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: $36.75 to $37.18
• 50-Day Range: $32.97 to $39.70
• 52-Week Range: $28.70 to $40.03
• Volume: 6,236 shs
• Average Volume: 24,817 shs
• Market Capitalization: $200.03 million
• P/E Ratio: 17.21
• Dividend Yield: 3.34%
• Price Target: $39.50
• Consensus Rating: Moderate Buy

Eagle Financial Services Stock Analysis - MarketRank™

Eagle Financial Services scored higher than 61% of companies evaluated by MarketBeat, and ranked 532nd out of 945 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: 2.4 / 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 2 buy ratings, 1 hold rating, 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 3 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 17.21, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 233.24.

Price to Earnings Ratio vs. Sector

The P/E ratio of Eagle Financial Services is 17.21, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 30.00.

Price to Book Value per Share Ratio

Eagle Financial Services has a P/B Ratio of 1.09. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 4.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

1.66% 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 2.6, 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 decreased by 4.29%, indicating that investor sentiment is improving.

Dividend

• Score: 3.3 / 5
• Dividend Strength: Strong

Dividend Yield

Eagle Financial Services pays a meaningful dividend of 3.36%, 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

1.66% 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 2.6, 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 decreased by 4.29%, indicating that investor sentiment is improving.

News and Social Media

• Score: 2.1 / 5
• News Sentiment: 0.83

News Sentiment

Eagle Financial Services has a news sentiment score of 0.83. 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 news sentiment score is similar to the average news sentiment of Finance companies.

News Coverage This Week

MarketBeat has tracked 3 news articles 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 $9,999.00 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 stock has increased by 12.2% and is now trading at $37.18.

How were Eagle Financial Services' earnings last quarter?

Eagle Financial Services Inc. (NASDAQ:EFSI) released its quarterly earnings results on Friday, February, 11th. The company reported $1.13 earnings per share for the quarter. The firm earned $14.45 million during the quarter. Eagle Financial Services had a net margin of 7.45% and a trailing twelve-month return on equity of 9.87%.

Who are Eagle Financial Services' major shareholders?

Top institutional investors of Eagle Financial Services include CWM LLC (0.02%). 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: 2/11/2022
• Record date for 8/15 Dividend: 8/04/2025
• Ex-Dividend for 8/15 Dividend: 8/04/2025
• Dividend Payable: 8/15/2025
• Today: 10/15/2025
• 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: +6.2%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.67
• Research Coverage: 3 Analysts

Profitability

• EPS (Trailing Twelve Months): $2.16
• Trailing P/E Ratio: 10.72
• 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: 1.77
• Cash Flow: $4.09 per share
• Price / Cash Flow: 9.10
• Book Value: $34.14 per share
• Price / Book: 1.09

Miscellaneous

• Outstanding Shares: 5,380,000
• Free Float: 4,908,000
• Market Cap: $200.03 million
• Optionable: N/A
• Beta: 0.28