Eagle Financial Services, Inc.

Eagle Financial Services, Inc. (EFSI) Market Cap

Eagle Financial Services, Inc. has a market capitalization of $211.7M.

Financials based on reported quarter end 2025-12-31

Price: $39.12

โ–ฒ 0.05 (0.13%)

Market Cap: 211.73M

NASDAQ ยท time unavailable

CEO: Brandon Craig Lorey

Sector: Financial Services

Industry: Banks - Regional

IPO Date: 2001-07-05

Website: https://www.bankofclarke.bank

Eagle Financial Services, Inc. (EFSI) - Company Information

Market Cap: 211.73M ยท Sector: Financial Services

Eagle Financial Services, Inc. operates as the bank holding company for Bank of Clarke County that provides various retail and commercial banking products and services in the Shenandoah Valley and Northern Virginia. The company's deposit products include checking, NOW, money market, and regular savings accounts; and demand and time deposits. Its loan portfolio comprises one-to-four-family residential real estate, commercial real estate, construction and land development, and commercial and industrial loans, as well as secured and unsecured consumer loans, which include personal installment loans, personal lines of credit, automobile loans, and credit card loans. The company also offers personal and retirement plan services; investment services comprising tax-deferred annuities, IRAs and rollovers, mutual funds, retirement plans, college savings plans, life insurance, long term care insurance, fixed income investing, brokerage CDs, and full service or discount brokerage services; non-deposit investment products; and title insurance products. In addition, it provides ATM and debit cards; and telephone, internet, and mobile banking services, as well as other commercial deposit account services, such as ACH origination and remote deposit capture services. The company operates through twelve full-service branches, two loan production offices, one wealth management office, and one drive-through only facility, as well as 13 ATM locations in the Virginia communities of Berryville, Winchester, Boyce, Stephens City, Purcellville, Warrenton, Leesburg, Ashburn, and Fairfax. Eagle Financial Services, Inc. was founded in 1881 and is headquartered in Berryville, Virginia.

Analyst Sentiment

72%
Strong Buy

Based on 3 ratings

Analyst 1Y Forecast: $43.00

Average target (based on 2 sources)

Consensus Price Target

Low

$43

Median

$43

High

$43

Average

$43

Potential Upside: 9.9%

Price & Moving Averages

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Fundamentals Overview

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๐Ÿ“Š AI Financial Analysis

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Earnings Data: Q Ending 2025-12-31

"EFSI reported revenue of $30.11M and a net income of $4.33M for the most recent quarter. The company's earnings per share (EPS) stands at $0.81. Despite generating significant revenue, EFSI faces challenges as it reported a negative operating cash flow of $16.58M and a free cash flow of -$17.91M, which may raise concerns regarding liquidity. The company's total assets are valued at $1.89B, against total liabilities of $1.70B, resulting in total equity of $188.84M. The balance sheet reflects a net debt of $55.64M, indicating a manageable debt level relative to the overall assets. EFSI has paid dividends totaling $1.24 per share in the past year, although shareholder return appears limited, given a 1-year price change of just 4.47%. Valuation targets suggest a potential for price appreciation, but recent market performance includes a decline of nearly 13% over the past six months, indicating volatility. Overall, EFSI presents a mix of modest growth and profitability with underlying challenges in cash flow."

Revenue Growth

Neutral

Revenue growth is decent but needs to improve steadily.

Profitability

Neutral

The company is profitable but with negative cash flows impacting stability.

Cash Flow Quality

Neutral

Negative operating and free cash flows create liquidity concerns.

Leverage & Balance Sheet

Fair

The balance sheet is manageable with modest net debt.

Shareholder Returns

Caution

Limited price appreciation with dividends adding little value.

Analyst Sentiment & Valuation

Fair

Valuation levels indicate potential, but market performance is weak.

Disclaimer:This analysis is AI-generated for informational purposes only. Accuracy is not guaranteed and this does not constitute financial advice.

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SEC Filings (EFSI)

ยฉ 2026 Stock Market Info โ€” Eagle Financial Services, Inc. (EFSI) Financial Profile