Symbols / EFSI Stock $38.60 +1.42% Eagle Financial Services, Inc.

Financial Services • Banks - Regional • United States • NCM
EFSI (Stock) Chart
O: — H: — L: — C: — V: —
SMA 20: — SMA 50: — SMA 200: —
Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. Brandon Craig Lorey
Exch · Country NCM · United States
Market Cap 208.92M
Enterprise Value 46.10M
Income 18.93M
Sales 80.85M
FCF (ttm) —
Book/sh 35.62
Cash/sh 35.51
Employees 253
Insider 10d —
IPO Jul 05, 2001
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 32.55%
P/E 10.13
Forward P/E 10.33
PEG —
P/S 2.58
P/B 1.08
P/C —
EV/EBITDA —
EV/Sales 0.57
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) 3.81
EPS next Y 3.73
EPS Growth —
Revenue Growth 4.32%
EPS Gr Q/Q —
Rev Gr Q/Q —
Earnings (next) 2026-07-23
Earnings (prior) 2026-04-23
ROA 1.01%
ROE 10.32%
ROIC —
Gross Margin 0.00%
Oper. Margin 26.07%
Profit Margin 23.41%
Shs Outstand 5.41M
Shs Float 4.00M
Insider Own 12.97%
Instit Own 46.20%
Short Float 1.62%
Short Ratio 5.68
Short Interest 81.34K
52W High 41.12
vs 52W High -6.13%
52W Low 28.70
vs 52W Low 34.49%
Beta 0.17
Impl. Vol. —
Rel Volume 0.73
Avg Volume 14.18K
Volume 10.42K
Target (mean) $42.00
Tgt Median $43.00
Tgt Low $40.00
Tgt High $43.00
# Analysts 3
Recom Hold
Prev Close $38.06
Price $38.60
Change 1.42%
About

Eagle Financial Services, Inc. operates as the bank holding company for Bank of Clarke that provides various retail and commercial banking products and services in the United States. It operates through three segments: Community Banking, Marine Lending, and Wealth Management. The company's deposit products include checking, NOW, money market, and regular savings accounts; and demand and time deposits, as well as other commercial deposit account services, such as ACH origination and remote deposit capture services. Its loan portfolio comprises one-to-four-family residential real estate, commercial real estate, construction and land development, and commercial and industrial loans, marine lending, and consumer lending, as well as secured and unsecured consumer loans, including personal installment loans, personal lines of credit, automobile loans, and credit card loans. In addition, the company offers advisory services and investment products, including individual retirement accounts, mutual funds, tax-deferred annuities, 529 college savings plans, life insurance, long term care insurance, brokerage certificates of deposit, and other brokerage services; non-deposit investment products; and title insurance products. Further, it provides debit cards; fiduciary services; online bill payment services; and telephone, internet, and mobile banking services. It operates through full-service branches, loan production offices, wealth management offices, and drive-through only facility. Eagle Financial Services, Inc. was founded in 1881 and is headquartered in Berryville, Virginia.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$42.00
Mean price target
2. Current target
$38.60
Latest analyst target
3. DCF / Fair value
$57.15
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$38.60
Low
$40.00
High
$43.00
Mean
$42.00

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-04-27 main DA Davidson Neutral → Neutral $40
2026-02-25 init DA Davidson — → Neutral $43
2026-02-09 down Freedom Broker Buy → Hold $43
2026-01-29 main Keefe, Bruyette & Woods Outperform → Outperform $43
2025-11-07 main Freedom Broker Buy → Buy $42
2025-08-04 main Keefe, Bruyette & Woods Outperform → Outperform $39
2025-07-30 main DA Davidson Buy → Buy $40
2025-03-13 init Keefe, Bruyette & Woods — → Outperform $40
2025-03-04 init DA Davidson — → Buy $40
News
RSS: Latest EFSI news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-03-11 HAMBERGER SCOTT M Director — 909 $33.00 $29,997
2026-03-11 HAMBERGER SCOTT M Director — 600 $0.00 $0
2026-03-05 HILL EDWARD III Director — 939 $34.62 $32,508
2026-03-02 LOREY BRANDON CRAIG Officer and Director — 350 $34.53 $12,086
2026-02-27 HAMBERGER SCOTT M Director — 945 $36.00 $34,020
2026-01-30 HAMBERGER SCOTT M Director — 597 $37.99 $22,680
2026-01-02 ZMITROVICH JOSEPH T Officer — 3,722 $0.00 $0
2026-01-02 CLAYTOR CARY R Director — 1,141 $0.00 $0
2026-01-02 POFFINBERGER AARON M Officer — 2,317 $0.00 $0
2026-01-02 BRAITHWAITE TODD A Officer — 1,309 $0.00 $0
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
66.45
+2.60%
64.77
+2.67%
63.08
+2.98%
61.26
Operating Revenue
66.45
+2.60%
64.77
+2.67%
63.08
+2.98%
61.26
Selling General And Administration
36.38
+8.28%
33.60
-2.35%
34.41
+21.70%
28.27
Selling And Marketing Expense
0.86
-17.05%
1.04
-10.29%
1.16
+50.26%
0.77
General And Administrative Expense
35.52
+9.09%
32.56
-2.08%
33.25
+20.90%
27.50
Salaries And Wages
33.20
+10.46%
30.06
-0.82%
30.31
+17.78%
25.73
Other Gand A
1.37
+28.18%
1.07
-21.47%
1.36
+17.34%
1.16
Reconciled Depreciation
0.78
-20.33%
0.98
-2.30%
1.00
+2.35%
0.98
Total Unusual Items
-0.37
-110.17%
3.66
+702.41%
0.46
+4245.45%
-0.01
Total Unusual Items Excluding Goodwill
-0.37
-110.17%
3.66
+702.41%
0.46
+4245.45%
-0.01
Special Income Charges
-0.02
-100.49%
3.86
+27492.86%
0.01
+227.27%
-0.01
Other Special Charges
0.02
+100.49%
-3.86
-27492.86%
-0.01
-227.27%
0.01
Net Income
8.21
-46.46%
15.34
+63.97%
9.36
-35.56%
14.52
Pretax Income
9.93
-47.49%
18.90
+77.76%
10.63
-39.83%
17.67
Net Interest Income
62.23
+22.98%
50.60
+1.74%
49.73
+1.28%
49.10
Interest Expense
36.39
-9.24%
40.09
+22.10%
32.84
+499.98%
5.47
Interest Income
98.62
+8.74%
90.69
+9.84%
82.57
+51.29%
54.58
Gain On Sale Of Security
-12.43
0.00
0.00
+100.00%
-0.74
Tax Provision
1.71
-51.91%
3.56
+178.84%
1.28
-59.49%
3.15
Tax Rate For Calcs
0.00
-8.40%
0.00
+56.83%
0.00
-32.70%
0.00
Tax Effect Of Unusual Items
-0.06
-109.31%
0.69
+1158.45%
0.05
+2889.99%
-0.00
Net Income Including Noncontrolling Interests
8.21
-46.46%
15.34
+63.97%
9.36
-35.56%
14.52
Net Income From Continuing Operation Net Minority Interest
8.21
-46.46%
15.34
+63.97%
9.36
-35.56%
14.52
Net Income From Continuing And Discontinued Operation
8.21
-46.46%
15.34
+63.97%
9.36
-35.56%
14.52
Net Income Continuous Operations
8.21
-46.46%
15.34
+63.97%
9.36
-35.56%
14.52
Normalized Income
8.52
-31.12%
12.37
+38.15%
8.96
-38.36%
14.53
Net Income Common Stockholders
8.21
-46.46%
15.34
+63.97%
9.36
-35.56%
14.52
Diluted EPS
—
4.32
+62.41%
2.66
-36.21%
4.17
Basic EPS
—
4.32
+62.41%
2.66
-36.21%
4.17
Basic Average Shares
—
3.55
+0.97%
3.52
+1.02%
3.48
Diluted Average Shares
—
3.55
+0.97%
3.52
+1.02%
3.48
Diluted NI Availto Com Stockholders
8.21
-46.46%
15.34
+63.97%
9.36
-35.56%
14.52
Insurance And Claims
0.95
-33.85%
1.43
-9.59%
1.58
+158.14%
0.61
Occupancy And Equipment
4.32
+15.61%
3.73
+6.66%
3.50
+9.78%
3.19
Other Non Interest Expense
9.94
+8.75%
9.14
-14.98%
10.75
+30.09%
8.26
Professional Expense And Contract Services Expense
2.42
+17.19%
2.06
-18.70%
2.54
+25.80%
2.02
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
1,888.63
+1.20%
1,866.21
+2.22%
1,825.60
+12.92%
1,616.72
Cash And Cash Equivalents
117.93
-32.89%
175.72
+56.80%
112.07
+68.44%
66.53
Cash Financial
13.94
+6.19%
13.13
-14.84%
15.42
-7.29%
16.63
Other Short Term Investments
28.54
-76.47%
121.33
-11.72%
137.44
-7.85%
149.16
Net PPE
14.91
+3.95%
14.34
-20.81%
18.11
+0.24%
18.06
Gross PPE
30.43
+2.27%
29.76
-16.46%
35.62
+2.84%
34.64
Accumulated Depreciation
-15.53
-0.70%
-15.42
+11.96%
-17.51
-5.66%
-16.57
Land And Improvements
6.12
+0.00%
6.12
-7.90%
6.64
+0.00%
6.64
Buildings And Improvements
14.66
+7.25%
13.67
-28.97%
19.25
+3.21%
18.65
Machinery Furniture Equipment
9.65
-3.17%
9.97
+2.45%
9.73
+4.11%
9.35
Investments And Advances
28.54
-76.47%
121.33
-11.72%
137.44
-7.85%
149.16
Total Liabilities Net Minority Interest
1,699.79
-2.72%
1,747.23
+1.75%
1,717.22
+13.35%
1,514.99
Current Debt And Capital Lease Obligation
0.00
-100.00%
25.00
+25.00%
20.00
0.00
Current Debt
0.00
-100.00%
25.00
+25.00%
20.00
0.00
Other Current Borrowings
0.00
-100.00%
25.00
+25.00%
20.00
0.00
Long Term Debt And Capital Lease Obligation
69.58
-44.12%
124.51
-28.62%
174.44
-14.65%
204.38
Long Term Debt
69.58
-44.12%
124.51
-28.62%
174.44
-14.65%
204.38
Stockholders Equity
188.84
+58.71%
118.99
+9.79%
108.38
+6.54%
101.73
Common Stock Equity
188.84
+58.71%
118.99
+9.79%
108.38
+6.54%
101.73
Capital Stock
13.26
+52.21%
8.71
+0.62%
8.66
+0.36%
8.63
Common Stock
13.26
+52.21%
8.71
+0.62%
8.66
+0.36%
8.63
Preferred Stock
0.00
0.00
0.00
0.00
Share Issued
5.37
+51.40%
3.55
+0.81%
3.52
+0.88%
3.49
Ordinary Shares Number
5.37
+51.40%
3.55
+0.81%
3.52
+0.88%
3.49
Additional Paid In Capital
64.72
+334.33%
14.90
+4.35%
14.28
+7.63%
13.27
Retained Earnings
116.11
+1.84%
114.01
+10.22%
103.44
+3.16%
100.28
Gains Losses Not Affecting Retained Earnings
-5.26
+71.78%
-18.64
-3.52%
-18.01
+11.93%
-20.45
Other Equity Adjustments
-5.26
+71.78%
-18.64
-3.52%
-18.01
+11.93%
-20.45
Total Equity Gross Minority Interest
188.84
+58.71%
118.99
+9.79%
108.38
+6.54%
101.73
Total Capitalization
258.42
+6.13%
243.50
-13.90%
282.82
-7.61%
306.11
Invested Capital
258.42
-3.75%
268.50
-11.33%
302.82
-1.07%
306.11
Total Debt
69.58
-53.46%
149.51
-23.11%
194.44
-4.86%
204.38
Net Debt
—
—
82.38
-40.24%
137.85
Net Tangible Assets
188.84
+58.71%
118.99
+9.79%
108.38
+6.54%
101.73
Tangible Book Value
188.84
+58.71%
118.99
+9.79%
108.38
+6.54%
101.73
Available For Sale Securities
—
120.34
—
—
Cash Cash Equivalents And Federal Funds Sold
220.98
+10.10%
200.72
+35.69%
147.92
+94.31%
76.13
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
25.75
+37.27%
18.76
+172.90%
6.88
-50.23%
13.81
Cash Flow From Continuing Operating Activities
25.75
+37.27%
18.76
+172.90%
6.88
-50.23%
13.81
Net Income From Continuing Operations
8.21
-46.46%
15.34
+63.97%
9.36
-35.56%
14.52
Depreciation Amortization Depletion
0.78
-20.33%
0.98
-2.30%
1.00
+2.35%
0.98
Depreciation
0.78
-20.33%
0.98
-2.30%
1.00
+2.35%
0.98
Depreciation And Amortization
0.78
-20.33%
0.98
-2.30%
1.00
+2.35%
0.98
Other Non Cash Items
0.87
+21900.00%
-0.00
+91.49%
-0.05
-103.00%
1.57
Stock Based Compensation
1.22
+33.33%
0.91
-24.81%
1.21
+19.27%
1.02
Deferred Tax
0.22
-63.17%
0.60
+139.76%
-1.51
-1654.65%
-0.09
Deferred Income Tax
0.22
-63.17%
0.60
+139.76%
-1.51
-1654.65%
-0.09
Operating Gains Losses
9.12
+251.90%
-6.00
-219.87%
-1.88
-66.55%
-1.13
Gain Loss On Investment Securities
12.43
0.00
0.00
-100.00%
0.74
Gain Loss On Sale Of PPE
0.02
+100.49%
-3.86
-27492.86%
-0.01
-227.27%
0.01
Change In Working Capital
2.30
-44.27%
4.13
+227.06%
-3.25
+40.38%
-5.45
Change In Other Current Assets
1.21
-56.25%
2.77
+160.44%
-4.58
+3.35%
-4.74
Change In Other Current Liabilities
1.09
-19.82%
1.36
+1.65%
1.33
+289.09%
-0.71
Investing Cash Flow
-0.96
-105.76%
16.75
+112.85%
-130.28
+60.68%
-331.34
Cash Flow From Continuing Investing Activities
-0.96
-105.76%
16.75
+112.85%
-130.28
+60.68%
-331.34
Net PPE Purchase And Sale
-1.37
-120.53%
6.65
+744.67%
-1.03
-28.20%
-0.81
Purchase Of PPE
-1.41
-37.98%
-1.02
+4.86%
-1.07
-27.80%
-0.84
Sale Of PPE
0.04
-99.48%
7.67
+19571.79%
0.04
+18.18%
0.03
Capital Expenditure
-1.41
-37.98%
-1.02
+4.86%
-1.07
-27.80%
-0.84
Net Investment Purchase And Sale
6.83
-54.66%
15.06
-78.00%
68.46
+323.09%
16.18
Purchase Of Investment
-102.65
-1960.08%
-4.98
0.00
+100.00%
-26.82
Sale Of Investment
109.48
+446.16%
20.05
-70.72%
68.46
+59.21%
43.00
Net Other Investing Changes
4.96
+148.50%
1.99
+132.46%
-6.14
+36.32%
-9.64
Financing Cash Flow
-0.75
-103.91%
19.30
-90.10%
194.87
-39.17%
320.35
Cash Flow From Continuing Financing Activities
-0.75
-103.91%
19.30
-90.10%
194.87
-39.17%
320.35
Net Issuance Payments Of Debt
-80.00
-77.78%
-45.00
-350.00%
-10.00
-104.89%
204.33
Issuance Of Debt
—
—
145.00
+394.44%
29.33
Long Term Debt Issuance
—
—
145.00
+394.44%
29.33
Net Long Term Debt Issuance
-55.00
-10.00%
-50.00
-134.48%
145.00
+394.44%
29.33
Net Short Term Debt Issuance
-25.00
-600.00%
5.00
+103.23%
-155.00
-188.57%
175.00
Net Common Stock Issuance
53.15
+22527.43%
-0.24
-39.41%
-0.17
-1800.00%
0.01
Common Stock Payments
-0.35
-46.84%
-0.24
+21.52%
-0.30
-96.10%
-0.15
Common Stock Dividend Paid
-6.11
-42.15%
-4.30
-1.66%
-4.23
-11.06%
-3.81
Cash Dividends Paid
-6.11
-42.15%
-4.30
-1.66%
-4.23
-11.06%
-3.81
Repurchase Of Capital Stock
-0.35
-46.84%
-0.24
+21.52%
-0.30
-96.10%
-0.15
Changes In Cash
24.04
-56.15%
54.81
-23.30%
71.46
+2428.63%
2.83
Beginning Cash Position
193.16
+39.61%
138.35
+106.82%
66.89
+4.41%
64.07
End Cash Position
217.19
+12.44%
193.16
+39.61%
138.35
+106.82%
66.89
Free Cash Flow
24.35
+37.23%
17.74
+205.70%
5.80
-55.27%
12.98
Interest Paid Supplemental Data
37.23
-7.25%
40.14
+28.12%
31.33
+586.65%
4.56
Income Tax Paid Supplemental Data
2.01
+2417.50%
0.08
-96.13%
2.07
-52.66%
4.37
Common Stock Issuance
53.50
0.00
-100.00%
0.13
-19.51%
0.16
Issuance Of Capital Stock
53.50
0.00
-100.00%
0.13
-19.51%
0.16
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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