Eagle Financial Services (EFSI) Stock Price, News & Analysis

Company Overview

Eagle Financial Services, Inc. operates as the bank holding company for Bank of Clarke County that provides various retail and commercial banking products and services in the Shenandoah Valley and Northern Virginia. The company's deposit products include checking, NOW, money market, and regular savings accounts; and demand and time deposits. Its loan portfolio comprises one-to-four-family residential real estate, commercial real estate, construction and land development, and commercial and industrial loans, as well as secured and unsecured consumer loans, which include personal installment loans, personal lines of credit, automobile loans, and credit card loans. The company also offers personal and retirement plan services; investment services comprising tax-deferred annuities, IRAs and rollovers, mutual funds, retirement plans, college savings plans, life insurance, long term care insurance, fixed income investing, brokerage CDs, and full service or discount brokerage services; non-deposit investment products; and title insurance products. In addition, it provides ATM and debit cards; and telephone, internet, and mobile banking services, as well as other commercial deposit account services, such as ACH origination and remote deposit capture services. The company operates through twelve full-service branches, two loan production offices, one wealth management office, and one drive-through only facility, as well as 13 ATM locations in the Virginia communities of Berryville, Winchester, Boyce, Stephens City, Purcellville, Warrenton, Leesburg, Ashburn, and Fairfax. Eagle Financial Services, Inc. was founded in 1881 and is headquartered in Berryville, Virginia.

Key Stats

• Today's Range: $28.70 to $30.23
• 50-Day Range: $29.10 to $32.46
• 52-Week Range: $28.70 to $36.93
• Volume: 65,822 shs
• Average Volume: 17,379 shs
• Market Capitalization: $157.42 million
• P/E Ratio: 14.14
• Dividend Yield: 4.24%
• Price Target: $40.00
• Consensus Rating: Buy

EFSI Stock Analysis - Frequently Asked Questions

How have EFSI shares performed this year?

Eagle Financial Services' stock was trading at $33.15 at the beginning of the year. Since then, EFSI shares have decreased by 11.7% and is now trading at $29.26.
View the best growth stocks for 2025 here.

How were Eagle Financial Services' earnings last quarter?

Eagle Financial Services Inc. (NASDAQ:EFSI) announced its quarterly earnings data on Friday, April, 25th. The company reported $0.62 earnings per share (EPS) for the quarter, missing analysts' consensus estimates of $0.92 by $0.30. The business had revenue of $4.78 million for the quarter. Eagle Financial Services had a trailing twelve-month return on equity of 9.57% and a net margin of 5.68%.

Who are Eagle Financial Services' major shareholders?

Top institutional investors of Eagle Financial Services include Wellington Management Group LLP (6.24%), EJF Capital LLC (2.95%), Azora Capital LP (1.86%) and Jacobs Asset Management LLC (1.45%). Insiders that own company stock include Thomas T Gilpin, Joseph T Zmitrovich and Scott M Hamberger.
View institutional ownership trends.

How do I buy shares of Eagle Financial Services?

Shares of EFSI stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

Company Calendar

• Last Earnings: 4/25/2025
• Record date for 5/16 Dividend: 5/05/2025
• Ex-Dividend for 5/16 Dividend: 5/05/2025
• Dividend Payable: 5/16/2025
• Today: 6/21/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: BANKS - SOUTHEAST
• Sub-Industry: Banking
• Current Symbol: NASDAQ:EFSI
• CIK: 880641
• Web: N/A
• Phone: (540) 955-2510
• Fax: 540-955-5233
• Employees: 230
• Year Founded: N/A

Price Target and Rating

• Average Stock Price Target: $40.00
• High Stock Price Target: $40.00
• Low Stock Price Target: $40.00
• Potential Upside/Downside: +36.7%
• Consensus Rating: Buy
• Rating Score (0-4): 3.00
• Research Coverage: 2 Analysts

Profitability

• EPS (Most Recent Fiscal Year): $2.07
• Trailing P/E Ratio: 14.14
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $15.34 million
• Net Margins: 5.68%
• Pretax Margin: 6.66%
• Return on Equity: 9.57%
• Return on Assets: 0.67%

Debt

• Debt-to-Equity Ratio: 0.54
• Current Ratio: 1.06
• Quick Ratio: 1.05

Sales & Book Value

• Annual Sales: $112.88 million
• Price / Sales: 1.39
• Cash Flow: $4.08 per share
• Price / Cash Flow: 7.18
• Book Value: $34.14 per share
• Price / Book: 0.86

Miscellaneous

• Outstanding Shares: 5,380,000
• Free Float: 4,910,000
• Market Cap: $157.42 million
• Optionable: N/A
• Beta: 0.28