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: $29.80 to $30.55
• 50-Day Range: $29.56 to $32.46
• 52-Week Range: $28.83 to $36.93
• Volume: 7,967 shs
• Average Volume: 24,427 shs
• Market Capitalization: $160.26 million
• P/E Ratio: 6.90
• Dividend Yield: 4.16%
• Price Target: $40.00
• Consensus Rating: Buy

Eagle Financial Services Stock Analysis - MarketRank™

Eagle Financial Services scored higher than 83% of companies evaluated by MarketBeat, and ranked 279th out of 935 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: 3.5 / 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.

Amount of Analyst Coverage

Eagle Financial Services has received no research coverage in the past 90 days.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of Eagle Financial Services is 6.99, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 24.23.

Price to Earnings Ratio vs. Sector

The P/E ratio of Eagle Financial Services is 6.99, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 22.86.

Price to Book Value per Share Ratio

Eagle Financial Services has a P/B Ratio of 0.99. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: N/A
• Short Interest Level: N/A

Short Interest

There is no current short interest data available for EFSI.

Dividend

• Score: 4.2 / 5
• Dividend Strength: Strong

Dividend Leadership

Eagle Financial Services is a leading dividend payer. It pays a dividend yield of 4.11%, putting its dividend yield in the top 25% of dividend-paying stocks.

Dividend Growth

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

Dividend Coverage

The dividend payout ratio of Eagle Financial Services is 59.90%. This payout ratio is at a healthy, sustainable level, below 75%.

Sustainability and ESG

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

Short Interest

There is no current short interest data available for EFSI.

News and Social Media

• Score: 2.7 / 5
• News Sentiment: N/A

News Sentiment

Eagle Financial Services has a news sentiment score of 1.87. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.94 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 1 news article for Eagle Financial Services this week, compared to 1 article on an average week.

Company Ownership

• Score: 1.7 / 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 $50,220.00 in company stock and sold $0.00 in company stock.

Percentage Held by Insiders

Only 8.70% of the stock of Eagle Financial Services is held by insiders.

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 shares have decreased by 8.9% and is now trading at $30.19.
View the best growth stocks for 2025 here.

How were Eagle Financial Services' earnings last quarter?

Eagle Financial Services Inc (NASDAQ:EFSI) issued its quarterly earnings results on Friday, April, 25th. The company reported $0.62 earnings per share for the quarter, missing the consensus estimate of $0.92 by $0.30. The firm had revenue of $4.78 million for the quarter. Eagle Financial Services had a net margin of 13.59% and a trailing twelve-month return on equity of 10.92%.

Who are Eagle Financial Services' major shareholders?

Eagle Financial Services' top institutional investors 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: 6/13/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: State commercial banks
• 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: +32.5%
• 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: 6.99
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $15.34 million
• Net Margins: 13.59%
• Pretax Margin: 12.34%
• Return on Equity: 10.92%
• Return on Assets: 0.67%

Debt

• Debt-to-Equity Ratio: 1.69
• Current Ratio: 1.07
• Quick Ratio: 1.07

Sales & Book Value

• Annual Sales: $54.73 million
• Price / Sales: 2.97
• Cash Flow: $3.05 per share
• Price / Cash Flow: 9.91
• Book Value: $30.47 per share
• Price / Book: 0.99

Miscellaneous

• Outstanding Shares: 5,378,000
• Free Float: 3,142,000
• Market Cap: $162.36 million
• Optionable: N/A
• Beta: 0.28