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

Company Overview

Eagle Financial Services, Inc. (NASDAQ: EFSI) is the bank holding company for Eagle National Bank, a community-oriented financial institution headquartered in Fredericksburg, Virginia. The company offers a broad range of retail and commercial banking solutions, focusing on personalized service for individuals, small businesses, and nonprofit organizations. Through its subsidiary, Eagle National Bank, it maintains a commitment to local decision-making and relationship-driven service.

Eagle Financial Services provides deposit products including checking and savings accounts, money market funds, certificates of deposit, and individual retirement accounts. Its lending platform encompasses consumer loans, residential mortgage financing, commercial real estate and construction loans, as well as SBA-guaranteed financing and lines of credit. To complement its traditional banking offerings, the company delivers digital banking services such as online and mobile account access, electronic statements, bill payment, and remote deposit capture. Additionally, Eagle Financial Services offers trust and investment management services to support the wealth planning needs of both individual and institutional clients.

Operating primarily throughout the Fredericksburg region and extending into Northern and Central Virginia, Eagle Financial Services has cultivated a network of full-service branch offices to serve a mix of urban, suburban, and rural communities. The company leverages its deep local market knowledge and community ties to foster customer relationships and support regional economic development initiatives. Led by a management team experienced in community banking, commercial lending, and financial services, Eagle Financial Services remains focused on sound risk management, organic growth, and delivering tailored solutions to its clients.

Key Stats

• Today's Range: $39.32 to $39.90
• 50-Day Range: $32.41 to $39.60
• 52-Week Range: $28.70 to $39.90
• Volume: 4,206 shs
• Average Volume: 26,123 shs
• Market Capitalization: $213.64 million
• P/E Ratio: 18.38
• Dividend Yield: 3.12%
• Price Target: $39.50
• Consensus Rating: Buy

Eagle Financial Services Stock Analysis - MarketRank™

Eagle Financial Services scored higher than 50% of companies evaluated by MarketBeat, and ranked 674th out of 937 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 1.9 / 5
• Analyst Rating: Buy

Consensus Rating

Eagle Financial Services has received a consensus rating of Buy. The company's average rating score is 3.00, and is based on 2 buy ratings, no hold ratings, and no sell ratings.

Upside/Downside

The consensus price target for Eagle Financial Services is close to its current price, suggesting limited near-term upside or downside.

Amount of Analyst Coverage

Eagle Financial Services has only been the subject of 2 research reports in the past 90 days.

Earnings and Valuation

• Score: 1.3 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of Eagle Financial Services is 18.33, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 298.59.

Price to Earnings Ratio vs. Sector

The P/E ratio of Eagle Financial Services is 18.33, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 240.66.

Price to Book Value per Share Ratio

Eagle Financial Services has a P/B Ratio of 1.16. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

1.74% of the float of Eagle Financial Services has been sold short.

Short Interest Ratio / Days to Cover

Eagle Financial Services has a short interest ratio ("days to cover") of 2.8, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Dividend

• Score: 3.3 / 5
• Dividend Strength: Strong

Dividend Yield

Eagle Financial Services pays a meaningful dividend of 3.15%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

Eagle Financial Services has been increasing its dividend for 14 years.

Dividend Coverage

The dividend payout ratio of Eagle Financial Services is 57.41%. This payout ratio is at a healthy, sustainable level, below 75%.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

1.74% of the float of Eagle Financial Services has been sold short.

Short Interest Ratio / Days to Cover

Eagle Financial Services has a short interest ratio ("days to cover") of 2.8, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

News and Social Media

• Score: N/A
• News Sentiment: N/A

Company Ownership

• Score: 2.5 / 5
• Insider Trading: Acquiring Shares

Insider Buying vs. Insider Selling

In the past three months, Eagle Financial Services insiders have bought more of their company's stock than they have sold. Specifically, they have bought $9,999.00 in company stock and sold $0.00 in company stock.

Percentage Held by Insiders

12.28% of the stock of Eagle Financial Services is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

Only 0.31% of the stock of Eagle Financial Services is held by institutions.

EFSI Stock Analysis - Frequently Asked Questions

How have EFSI shares performed this year?

Eagle Financial Services' stock was trading at $33.15 on January 1st, 2025. Since then, EFSI stock has increased by 19.5% and is now trading at $39.60.

How were Eagle Financial Services' earnings last quarter?

Eagle Financial Services Inc. (NASDAQ:EFSI) issued its quarterly earnings results on Thursday, July, 24th. The company reported $0.98 earnings per share (EPS) for the quarter, topping the consensus estimate of $0.82 by $0.16. The firm earned $20.61 million during the quarter. Eagle Financial Services had a trailing twelve-month return on equity of 9.87% and a net margin of 7.45%.

Who are Eagle Financial Services' major shareholders?

Eagle Financial Services' top institutional investors include Fourthstone LLC (5.23%), EJF Capital LLC (2.37%), Graham Capital Wealth Management LLC (2.29%) and Geode Capital Management LLC (1.98%). Insiders that own company stock include Thomas T Gilpin, Joseph T Zmitrovich, Scott M Hamberger and Nicholas Peter Smith.
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: 7/24/2025
• Record date for 8/15 Dividend: 8/04/2025
• Ex-Dividend for 8/15 Dividend: 8/04/2025
• Dividend Payable: 8/15/2025
• Today: 9/23/2025
• 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 Price Target for Eagle Financial Services: $39.50
• High Price Target: $40.00
• Low Price Target: $39.00
• Potential Upside/Downside: -0.3%
• Consensus Rating: Buy
• Rating Score (0-4): 3.00
• Research Coverage: 2 Analysts

Profitability

• EPS (Trailing Twelve Months): $2.16
• Trailing P/E Ratio: 18.33
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $15.34 million
• Net Margins: 7.45%
• Pretax Margin: 9.04%
• Return on Equity: 9.87%
• Return on Assets: 0.76%

Debt

• Debt-to-Equity Ratio: 0.39
• Current Ratio: 1.03
• Quick Ratio: 1.03

Sales & Book Value

• Annual Sales: $112.88 million
• Price / Sales: 1.89
• Cash Flow: $4.07 per share
• Price / Cash Flow: 9.72
• Book Value: $34.14 per share
• Price / Book: 1.16

Miscellaneous

• Outstanding Shares: 5,380,000
• Free Float: 4,716,000
• Market Cap: $213.05 million
• Optionable: N/A
• Beta: 0.29