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: $37.96 to $38.81
• 50-Day Range: $32.01 to $39.41
• 52-Week Range: $28.70 to $41.12
• Volume: 16,434 shs
• Average Volume: 13,797 shs
• Market Capitalization: $208.37 million
• P/E Ratio: 10.82
• Dividend Yield: 3.22%
• Price Target: $42.25
• Consensus Rating: Hold

Eagle Financial Services Stock Analysis - MarketRank™

Eagle Financial Services scored higher than 87% of companies evaluated by MarketBeat, and ranked 215th out of 878 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: 2.8 / 5
• Analyst Rating: Hold

Consensus Rating

Eagle Financial Services has received a consensus rating of Hold. The company's average rating score is 2.20, and is based on no strong buy ratings, 1 buy rating, 4 hold ratings, and no sell ratings.

Upside Potential

Eagle Financial Services has a consensus price target of $42.25, representing about 11.0% upside from its current price of $38.07.

Amount of Analyst Coverage

Eagle Financial Services has only been the subject of 4 research reports in the past 90 days.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: 6.06%

Earnings Growth

Earnings for Eagle Financial Services are expected to grow by 6.06% in the coming year, from $3.30 to $3.50 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Eagle Financial Services is 10.82, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 38.38.

Price to Earnings Ratio vs. Sector

The P/E ratio of Eagle Financial Services is 10.82, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 23.21.

Price to Book Value per Share Ratio

Eagle Financial Services has a P/B Ratio of 1.08. 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

1.65% 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 6.15.

Change versus previous month

Short interest in Eagle Financial Services has recently decreased by 4.46%, indicating that investor sentiment is improving.

Dividend

• Score: 4.2 / 5
• Dividend Strength: Strong

Dividend Yield

Eagle Financial Services pays a meaningful dividend of 3.45%, 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 35.23%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, Eagle Financial Services will have a dividend payout ratio of 35.43% next year. This indicates that Eagle Financial Services will be able to sustain or increase its dividend.

News and Social Media

• Score: N/A
• News Sentiment: N/A

Company Ownership

• Score: 3.1 / 5
• Insider Trading: Acquiring Shares

Net Insider Buying

Over the last three months, insiders have purchased a net $29,997.00 in company stock, which represents 0.0146% of the company's market cap.

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 $29,997.00 in company stock and sold $0.00 in company stock.

Percentage Held by Insiders

7.12% of the stock of Eagle Financial Services is held by insiders.

Percentage Held by Institutions

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 $39.79 at the beginning of the year. Since then, EFSI shares have decreased by 4.3% and is now trading at $38.07.

How were Eagle Financial Services' earnings last quarter?

Eagle Financial Services Inc. (NASDAQ:EFSI) announced its earnings results on Thursday, April, 23rd. The company reported $0.69 earnings per share (EPS) for the quarter, missing analysts' consensus estimates of $0.86 by $0.17. The company had revenue of $20.85 billion for the quarter, compared to analysts' expectations of $21.18 million. Eagle Financial Services had a net margin of 15.81% and a trailing twelve-month return on equity of 10.25%.
Read the conference call transcript.

Who are Eagle Financial Services' major shareholders?

Top institutional investors of Eagle Financial Services include Dimensional Fund Advisors LP (0.45%) and Bank of New York Mellon Corp (0.27%). Insiders that own company stock include Thomas T Gilpin, Joseph T Zmitrovich, John D Stokely Jr, Todd A Braithwaite, Nicholas Peter Smith 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.

What other stocks do shareholders of Eagle Financial Services own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Eagle Financial Services investors own include Lowe's Companies (LOW), M&T Bank (MTB), Stanley Black & Decker (SWK), AbbVie (ABBV), ABM Industries (ABM), Accenture (ACN) and Archer Daniels Midland (ADM).

Company Calendar

• Record date for 2/13 Dividend: 2/02/2026
• Ex-Dividend for 2/13 Dividend: 2/02/2026
• Dividend Payable: 2/13/2026
• Last Earnings: 4/23/2026
• Record date for 5/15 Dividend: 5/04/2026
• Ex-Dividend for 5/15 Dividend: 5/04/2026
• Today: 5/08/2026
• Dividend Payable: 5/15/2026
• Next Earnings (Estimated): 7/23/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: BANKS - SOUTHEAST
• Sub-Industry: Banking
• Current Symbol: NASDAQ:EFSI
• Previous Symbol: OTCMKTS: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: $42.25
• High Price Target: $43.00
• Low Price Target: $40.00
• Potential Upside/Downside: +11.0%
• Consensus Rating: Hold
• Rating Score (0-4): 2.20
• Research Coverage: 5 Analysts

Profitability

• EPS (Trailing Twelve Months): $3.52
• Trailing P/E Ratio: 10.82
• Forward P/E Ratio: 11.54
• P/E Growth: N/A
• Net Income: $8.21 million
• Net Margins: 15.81%
• Pretax Margin: 9.37%
• Return on Equity: 10.25%
• Return on Assets: 0.97%

Debt

• Debt-to-Equity Ratio: 0.37
• Current Ratio: 1.04
• Quick Ratio: 1.04

Sales & Book Value

• Annual Sales: $82.37 million
• Price / Sales: 2.50
• Cash Flow: $3.50 per share
• Price / Cash Flow: 10.87
• Book Value: $35.12 per share
• Price / Book: 1.08

Miscellaneous

• Outstanding Shares: 5,412,000
• Free Float: 5,027,000
• Market Cap: $206.03 million
• Optionable: N/A
• Beta: 0.22