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

Company Overview

Eagle Financial Services, Inc. is a bank holding company headquartered in Berryville, Virginia. Its principal subsidiary, Bank of Clarke, provides community banking services to individuals, families, businesses and organizations.

The bank offers checking and savings accounts, certificates of deposit and other deposit products, along with commercial, real estate, mortgage and consumer lending. Its services also include online and mobile banking, cash-management solutions and other financial services designed for personal and business customers.

Through its branch network and digital channels, Eagle Financial Services serves communities in the Northern Shenandoah Valley and surrounding areas of Virginia. Bank of Clarke traces its roots to 1881, reflecting the company’s long-standing focus on relationship-based community banking.

Key Stats

• Today's Range: $45.45 to $46.00
• 50-Day Range: $40.14 to $46.58
• 52-Week Range: $31.44 to $48.17
• Volume: 25,280 shs
• Average Volume: 35,357 shs
• Market Capitalization: $247.20 million
• P/E Ratio: 13.21
• Dividend Yield: 2.71%
• Price Target: $43.75
• Consensus Rating: Moderate Buy

Eagle Financial Services Stock Analysis - MarketRank™

Eagle Financial Services scored higher than 77% of companies evaluated by MarketBeat, and ranked 323rd out of 854 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: 2.1 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

Eagle Financial Services has received a consensus rating of Moderate Buy. The company's average rating score is 2.67, and is based on 1 strong buy rating, 2 buy ratings, 3 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 4 research reports in the past 90 days.

Earnings and Valuation

• Score: 3.1 / 5
• Proj. Earnings Growth: 15.13%

Earnings Growth

Earnings for Eagle Financial Services are expected to grow by 15.13% in the coming year, from $2.71 to $3.12 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Eagle Financial Services is 13.21, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 38.90.

Price to Earnings Ratio vs. Sector

The P/E ratio of Eagle Financial Services is 13.21, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 24.47.

Price to Book Value per Share Ratio

Eagle Financial Services has a P/B Ratio of 1.30. 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

2.95% 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 2.73, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Eagle Financial Services has recently increased by 13.86%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 4.2 / 5
• Dividend Strength: Strong

Dividend Yield

Eagle Financial Services pays a meaningful dividend of 2.74%, 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 35.84%. 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 39.74% 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: 0.3 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Eagle Financial Services insiders have not sold or bought any 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.

Company Calendar

• Last Earnings: 7/23/2026
• Record date for 8/14 Dividend: 8/03/2026
• Ex-Dividend for 8/14 Dividend: 8/03/2026
• Dividend Payable: 8/14/2026
• Today: 10/02/2026
• Next Earnings (Estimated): 10/22/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: Banks
• Sub-Industry: Regional Banks
• Current Symbol: NASDAQ:EFSI
• Previous Symbol: OTCMKTS:EFSI
• CIK: 880641
• Web: bankofclarke.bank
• Phone: (540) 955-2510
• Fax: 540-955-5233
• Employees: 253
• Year Founded: N/A

Price Target and Rating

• Average Price Target for Eagle Financial Services: $43.75
• High Price Target: $46.00
• Low Price Target: $43.00
• Potential Upside/Downside: -4.2%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.67
• Research Coverage: 6 Analysts

Profitability

• EPS (Trailing Twelve Months): $3.46
• Trailing P/E Ratio: 13.20
• Forward P/E Ratio: 16.86
• P/E Growth: N/A
• Net Income: $8.21 million
• Net Margins: 15.16%
• Pretax Margin: 19.20%
• Return on Equity: 8.38%
• Return on Assets: 0.85%

Debt

• Debt-to-Equity Ratio: 0.15
• Current Ratio: 1.02
• Quick Ratio: 1.01

Sales & Book Value

• Annual Sales: $105.89 million
• Price / Sales: 2.33
• Cash Flow: $3.48 per share
• Price / Cash Flow: 13.13
• Book Value: $35.12 per share
• Price / Book: 1.30

Miscellaneous

• Outstanding Shares: 5,410,000
• Free Float: 5,027,000
• Market Cap: $247.16 million
• Optionable: N/A
• Beta: 0.21