Eagle Financial Services, Inc. logo

Eagle Financial Services, Inc.

EFSI

NASDAQFinancial ServicesBanks - Regional

Previous close

$41.96

−$0.35 · -0.83%

Aug 24, 4:00 PM ET

After-hours

$41.96

$0.00 · 0.00%

Aug 24, 4:10 PM ET

EFSI company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

79

Undervalued

Momentum

63

Gaining

Sentiment

39

Bearish

Risk resilience

80

Low Risk

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Company profile

Company website

Eagle Financial Services, Inc. functions as the parent company for Bank of Clarke County, delivering a comprehensive array of retail and commercial banking solutions across the Shenandoah Valley and Northern Virginia regions. Their core offerings include various deposit accounts, such as checking, NOW, money market, and standard savings accounts, alongside both demand and time deposits. The institution maintains a diverse loan portfolio, encompassing financing for single-to-four-family residential properties, commercial real estate ventures, construction and land development projects, and commercial and industrial enterprises. Additionally, they provide a range of consumer lending options, both secured and unsecured, including personal installment loans, lines of credit, auto loans, and credit card services. Beyond traditional banking, Eagle Financial Services offers personal and retirement planning assistance. Their investment services are extensive, featuring tax-deferred annuities, IRAs and rollovers, mutual funds, retirement and college savings plans, various insurance products (life, long-term care), fixed-income investments, brokerage CDs, and both full-service and discount brokerage options. They also facilitate non-deposit investment products and provide title insurance. To ensure convenient access, the company supports ATM and debit card services, alongside modern telephone, internet, and mobile banking platforms. For commercial clients, specialized services like ACH origination and remote deposit capture are available. The company's physical presence includes twelve full-service branches, two loan production offices, a dedicated wealth management office, and a drive-through only facility. Complementing these are 13 ATM locations, strategically placed throughout the Virginia communities of Berryville, Winchester, Boyce, Stephens City, Purcellville, Warrenton, Leesburg, Ashburn, and Fairfax. Established in 1881, Eagle Financial Services, Inc. is headquartered in Berryville, Virginia.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
US
CEO
Brandon Craig Lorey
Listed since
Jul 5, 2001
Employees
259

Market position

Day range

Current $41.96

52-week range

Current $41.96

Open
$42.34
Previous close
$42.31
Volume
65.26K
1.33× average
Average volume
49.13K
Average daily volume
Market cap
227.1M USD
Beta
0.21
Market reference 1
50-day average
$41.708
+0.60% above average
200-day average
$38.7198
+8.37% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
269.32M USD
P/E (TTM)
12.13×
P/B (TTM)
1.17×
P/S (TTM)
1.93×
EV / EBITDA
25.16×
Earnings yield
3.84%
Free cash flow yield
12.38%
Dividend yield
2.96%

Profitability & efficiency

Gross margin
67.91%
Operating margin
15.88%
Net margin
15.85%
Return on equity
4.35%
Return on assets
0.43%
Return on invested capital
2.92%

Financial health

Debt / equity
0.15×
Current ratio
0.09×
Altman Z-score
-0.68
Piotroski F-score
6 of 9

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends103%68%34%-1%Gross margin, FY2021: 94.00%Gross margin, FY2022: 89.06%Gross margin, FY2023: 64.05%Gross margin, FY2024: 59.74%Gross margin, FY2025: 61.65%Operating margin, FY2021: 24.28%Operating margin, FY2022: 26.48%Operating margin, FY2023: 11.09%Operating margin, FY2024: 17.84%Operating margin, FY2025: 9.49%Net margin, FY2021: 20.93%Net margin, FY2022: 21.76%Net margin, FY2023: 9.76%Net margin, FY2024: 14.48%Net margin, FY2025: 7.86%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 94.00%. Gross margin FY2022 89.06%. Gross margin FY2023 64.05%. Gross margin FY2024 59.74%. Gross margin FY2025 61.65%. Operating margin FY2021 24.28%. Operating margin FY2022 26.48%. Operating margin FY2023 11.09%. Operating margin FY2024 17.84%. Operating margin FY2025 9.49%. Net margin FY2021 20.93%. Net margin FY2022 21.76%. Net margin FY2023 9.76%. Net margin FY2024 14.48%. Net margin FY2025 7.86%.

Income trends

Revenue

104.54M USD-1.31%

Operating income

9.93M USD-47.49%

Net income

8.21M USD-46.46%
Income trends across reported periods115.7M USD76.61M USD37.53M USD−1.56M USDRevenue, FY2021: 52.66M USDRevenue, FY2022: 66.73M USDRevenue, FY2023: 95.92M USDRevenue, FY2024: 105.92M USDRevenue, FY2025: 104.54M USDOperating income, FY2021: 12.79M USDOperating income, FY2022: 17.67M USDOperating income, FY2023: 10.63M USDOperating income, FY2024: 18.9M USDOperating income, FY2025: 9.93M USDNet income, FY2021: 11.02M USDNet income, FY2022: 14.52M USDNet income, FY2023: 9.36M USDNet income, FY2024: 15.34M USDNet income, FY2025: 8.21M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 52.66M USD. Revenue FY2022 66.73M USD. Revenue FY2023 95.92M USD. Revenue FY2024 105.92M USD. Revenue FY2025 104.54M USD. Operating income FY2021 12.79M USD. Operating income FY2022 17.67M USD. Operating income FY2023 10.63M USD. Operating income FY2024 18.9M USD. Operating income FY2025 9.93M USD. Net income FY2021 11.02M USD. Net income FY2022 14.52M USD. Net income FY2023 9.36M USD. Net income FY2024 15.34M USD. Net income FY2025 8.21M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue104.54M USD105.92M USD95.92M USD66.73M USD52.66M USD
Cost of goods sold40.09M USD42.65M USD34.49M USD7.3M USD3.16M USD
Gross profit64.45M USD63.28M USD61.43M USD59.43M USD49.5M USD
Selling, general, and administrative27.35M USD33.6M USD34.41M USD28.27M USD24.02M USD
Operating expenses54.52M USD44.38M USD50.8M USD41.76M USD36.71M USD
Interest income98.68M USD90.69M USD82.57M USD54.58M USD42.63M USD
Interest expense36.39M USD40.09M USD32.84M USD5.47M USD1.68M USD
Depreciation and amortization780K USD979K USD1M USD979K USD996K USD
Operating income9.93M USD18.9M USD10.63M USD17.67M USD12.79M USD
Net income8.21M USD15.34M USD9.36M USD14.52M USD11.02M USD

Company facts updated Aug 25, 2026.

Earnings

EPS beat rate
43%
3 beats, 4 misses, 0 met estimates
Average EPS surprise
-7.55%
7 comparable reports
Latest EPS result
0.41
Estimate 0.78 · Miss by 47.23%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates1.090.850.60.36Q1 '25BeatQ2 '25MissQ3 '25BeatQ4 '25BeatQ1 '26MissQ2 '26MissQ3 '26MissQ4 '26Estimate
Q1 2025, reported Jan 27, 2025: actual 0.86, estimate 0.83, surprise +3.61%, Beat. Q2 2025, reported Apr 25, 2025: actual 0.62, estimate 0.92, surprise -32.61%, Miss. Q3 2025, reported Jul 24, 2025: actual 0.98, estimate 0.82, surprise +19.51%, Beat. Q4 2025, reported Oct 23, 2025: actual 1.04, estimate 0.8, surprise +30.00%, Beat. Q1 2026, reported Jan 26, 2026: actual 0.81, estimate 0.865, surprise -6.36%, Miss. Q2 2026, reported Apr 23, 2026: actual 0.69, estimate 0.86, surprise -19.77%, Miss. Q3 2026, reported Jul 23, 2026: actual 0.41, estimate 0.777, surprise -47.23%, Miss. Q4 2026, reported Oct 22, 2026: actual —, estimate 0.83, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates26.58M22.2M17.81M13.43MQ1 '25MissQ2 '25MissQ3 '25MissQ4 '25BeatQ1 '26BeatQ2 '26MissQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Jan 27, 2025: actual 18.19M USD, estimate 18.49M USD, surprise -1.65%, Miss. Q2 2025, reported Apr 25, 2025: actual 14.45M USD, estimate 19.63M USD, surprise -26.41%, Miss. Q3 2025, reported Jul 24, 2025: actual 20.15M USD, estimate 21.65M USD, surprise -6.91%, Miss. Q4 2025, reported Oct 23, 2025: actual 21.98M USD, estimate 20.4M USD, surprise +7.74%, Beat. Q1 2026, reported Jan 26, 2026: actual 21.74M USD, estimate 20.4M USD, surprise +6.54%, Beat. Q2 2026, reported Apr 23, 2026: actual 20.83M USD, estimate 21.19M USD, surprise -1.71%, Miss. Q3 2026, reported Jul 23, 2026: actual 25.56M USD, estimate 21.29M USD, surprise +20.03%, Beat. Q4 2026, reported Oct 22, 2026: actual —, estimate 22.09M USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Analyst price target

Average target

$42.00

0.10% upside
Past 12 months12-month forecastHigh $43.00Average $42.00Low $40.00

Rating distribution

3 ratings

Limited analyst sample: 3 ratings. Interpret the distribution with caution.

Strong buy00%
Buy267%
Hold133%
Sell00%
Strong sell00%

Recent analyst actions

3 institutions

EFSI news

Corporate actions

Annual dividends per share

Cash distributions grouped by calendar year; partial years are marked.

$1.24

2025 complete year+12.7% since 2021

2026 partial: $0.93

* Partial calendar year in the available dividend history.

Corporate action history

Dividend

Ex-dividend Aug 3, 2026

$0.31

Quarterly

Record Aug 3, 2026 · Payment Aug 14, 2026

Dividend

Ex-dividend May 4, 2026

$0.31

Quarterly

Record May 4, 2026 · Payment May 15, 2026

Dividend

Ex-dividend Feb 2, 2026

$0.31

Quarterly

Record Feb 2, 2026 · Payment Feb 13, 2026

Dividend

Ex-dividend Nov 3, 2025

$0.31

Quarterly

Record Nov 3, 2025 · Payment Nov 14, 2025

Dividend

Ex-dividend Aug 4, 2025

$0.31

Quarterly

Record Aug 4, 2025 · Payment Aug 15, 2025

Dividend

Ex-dividend May 5, 2025

$0.31

Quarterly

Record May 5, 2025 · Payment May 16, 2025

EFSI peers

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