
Eagle Financial Services, Inc.
EFSINASDAQFinancial ServicesBanks - Regional
Previous close
$41.96
−$0.35 · -0.83%
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
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 websiteEagle 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 / TTMValuation & 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.
Income trends
Revenue
Operating income
Net income
| Metric (USD) | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 104.54M USD | 105.92M USD | 95.92M USD | 66.73M USD | 52.66M USD |
| Cost of goods sold | 40.09M USD | 42.65M USD | 34.49M USD | 7.3M USD | 3.16M USD |
| Gross profit | 64.45M USD | 63.28M USD | 61.43M USD | 59.43M USD | 49.5M USD |
| Selling, general, and administrative | 27.35M USD | 33.6M USD | 34.41M USD | 28.27M USD | 24.02M USD |
| Operating expenses | 54.52M USD | 44.38M USD | 50.8M USD | 41.76M USD | 36.71M USD |
| Interest income | 98.68M USD | 90.69M USD | 82.57M USD | 54.58M USD | 42.63M USD |
| Interest expense | 36.39M USD | 40.09M USD | 32.84M USD | 5.47M USD | 1.68M USD |
| Depreciation and amortization | 780K USD | 979K USD | 1M USD | 979K USD | 996K USD |
| Operating income | 9.93M USD | 18.9M USD | 10.63M USD | 17.67M USD | 12.79M USD |
| Net income | 8.21M USD | 15.34M USD | 9.36M USD | 14.52M USD | 11.02M 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
Revenue: actual versus estimate
Recent quarterly results
Analyst ratings
Third-party consensus; not a GoAI recommendation.
Analyst price target
Average target
$42.00
0.10% upsideRating distribution
3 ratingsLimited analyst sample: 3 ratings. Interpret the distribution with caution.
Recent analyst actions
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
$1.10
2,021
$1.15
2,022
$1.20
2,023
$1.21
2,024
$1.24
2,025
$0.93
2,026*
* Partial calendar year in the available dividend history.
Corporate action history
| Action | Ex-dividend date | Details | Record date | Payment date |
|---|---|---|---|---|
Dividend | Aug 3, 2026 | $0.31Quarterly | Aug 3, 2026 | Aug 14, 2026 |
Dividend | May 4, 2026 | $0.31Quarterly | May 4, 2026 | May 15, 2026 |
Dividend | Feb 2, 2026 | $0.31Quarterly | Feb 2, 2026 | Feb 13, 2026 |
Dividend | Nov 3, 2025 | $0.31Quarterly | Nov 3, 2025 | Nov 14, 2025 |
Dividend | Aug 4, 2025 | $0.31Quarterly | Aug 4, 2025 | Aug 15, 2025 |
Dividend | May 5, 2025 | $0.31Quarterly | May 5, 2025 | May 16, 2025 |
Ex-dividend Aug 3, 2026
$0.31
Quarterly
Record Aug 3, 2026 · Payment Aug 14, 2026
Ex-dividend May 4, 2026
$0.31
Quarterly
Record May 4, 2026 · Payment May 15, 2026
Ex-dividend Feb 2, 2026
$0.31
Quarterly
Record Feb 2, 2026 · Payment Feb 13, 2026
Ex-dividend Nov 3, 2025
$0.31
Quarterly
Record Nov 3, 2025 · Payment Nov 14, 2025
Ex-dividend Aug 4, 2025
$0.31
Quarterly
Record Aug 4, 2025 · Payment Aug 15, 2025
Ex-dividend May 5, 2025
$0.31
Quarterly
Record May 5, 2025 · Payment May 16, 2025
EFSI peers
ETFs holding EFSI
Funds reporting this stock among their holdings, ordered by reported position size.
Vanguard Morningstar Total Stock Market ETFVTI6.27M0.00%2.3T USD0.03%$377.07-0.31%
iShares Russell 2000 ETFIWM5.02M0.01%80.54B USD0.19%$297.97-0.66%
Vanguard Extended Market ETFVXF2.13M0.00%93.7B USD0.05%$243.43-0.86%
iShares Russell 2000 Value ETFIWN2.07M0.01%14.6B USD0.24%$224.06-0.33%
Avantis U.S. Small Cap Value ETFAVUV1.82M0.01%31.27B USD0.25%$125.79-0.52%
Vanguard Russell 2000 ETFVTWO1.08M0.01%17.4B USD0.06%$120.47-0.64%
First Trust Dow Jones Select MicroCap Index FundFDM858.43K0.32%423.22M USD0.65%$92.73-0.25%
iShares Micro-Cap ETFIWC710K0.05%1.51B USD0.60%$196.57-0.79%
Vanguard Morningstar Total Stock Market ETFVTI- Market value
- 6.27M
- Weight
- 0.00%
- AUM
- 2.3T USD
- Expense ratio
- 0.03%
- Price / 1D
- $377.07-0.31%
iShares Russell 2000 ETFIWM- Market value
- 5.02M
- Weight
- 0.01%
- AUM
- 80.54B USD
- Expense ratio
- 0.19%
- Price / 1D
- $297.97-0.66%
Vanguard Extended Market ETFVXF- Market value
- 2.13M
- Weight
- 0.00%
- AUM
- 93.7B USD
- Expense ratio
- 0.05%
- Price / 1D
- $243.43-0.86%
iShares Russell 2000 Value ETFIWN- Market value
- 2.07M
- Weight
- 0.01%
- AUM
- 14.6B USD
- Expense ratio
- 0.24%
- Price / 1D
- $224.06-0.33%
Avantis U.S. Small Cap Value ETFAVUV- Market value
- 1.82M
- Weight
- 0.01%
- AUM
- 31.27B USD
- Expense ratio
- 0.25%
- Price / 1D
- $125.79-0.52%
Vanguard Russell 2000 ETFVTWO- Market value
- 1.08M
- Weight
- 0.01%
- AUM
- 17.4B USD
- Expense ratio
- 0.06%
- Price / 1D
- $120.47-0.64%
First Trust Dow Jones Select MicroCap Index FundFDM- Market value
- 858.43K
- Weight
- 0.32%
- AUM
- 423.22M USD
- Expense ratio
- 0.65%
- Price / 1D
- $92.73-0.25%
iShares Micro-Cap ETFIWC- Market value
- 710K
- Weight
- 0.05%
- AUM
- 1.51B USD
- Expense ratio
- 0.60%
- Price / 1D
- $196.57-0.79%
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