EFSI
Eagle Financial Services, Inc.
Price Chart
Latest Quote
$41.74
+0.53 (+1.29%)
Current Price
| Previous Close | $41.21 |
| Open | $41.75 |
| Day High | $42.25 |
| Day Low | $41.21 |
| Volume | 55,280 |
Stock Information
| Quarterly Dividend / Yield | $1.24 / 2.97% |
| Shares Outstanding | 5.41M |
| Quarterly Dividend Yield | 2.97% |
| Quarterly Dividend | $1.24 |
| Total Debt | $40.12M |
| Cash Equivalents | $190.57M |
| Revenue | $80.85M |
| Net Income | $18.93M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $225.91M |
| P/E Ratio | 10.96 |
| EPS (TTM) | $3.81 |
| Exchange | NCM |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $71.80M |
| Sales | $80.85M |
| Income | $18.93M |
| Book/sh | $35.74 |
| Cash/sh | $35.21 |
| Employees | 253 |
Financial Ratios
Returns & Margins
| ROA | 1.01% |
| ROE | 10.32% |
| Operating Margin | 26.07% |
| Profit Margin | 23.41% |
Ownership
| Insider Ownership | 12.95% |
| Institutional Ownership | 45.11% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| Forward P/E | 11.36 |
| P/S | 2.79 |
| P/B | 1.17 |
Analyst Data
| Recommendation | none |
| Target Price | $42.00 |
Technical Indicators
| SMA20 | $40.81 |
| SMA50 | $39.00 |
| SMA200 | $37.25 |
| RSI | 67.92 |
| ATR | 1.2321 |
| Shares Float | 3.91M |
| Short Float | 1.79% |
| Short Ratio | 4.38 |
| Volatility | 0.22 |
| Rel Volume | 1.57 |
Performance History
| Week | -2.39% |
| Month | +12.23% |
| Quarter | +30.17% |
| 6 Months | +6.73% |
| YTD | +7.57% |
| Year | +46.74% |
| 3 Years | +50.78% |
| 5 Years | +45.70% |
| 10 Years | +158.21% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-18 | $41.74 | 55,300 |
| 2026-06-17 | $41.21 | 32,000 |
| 2026-06-16 | $41.75 | 20,800 |
| 2026-06-15 | $42.18 | 31,100 |
| 2026-06-12 | $43.13 | 36,300 |
| 2026-06-11 | $42.76 | 53,100 |
| 2026-06-10 | $42.42 | 45,000 |
| 2026-06-09 | $41.96 | 32,100 |
| 2026-06-08 | $41.51 | 55,600 |
| 2026-06-05 | $41.01 | 39,100 |
| 2026-06-04 | $40.77 | 21,300 |
| 2026-06-03 | $39.91 | 19,500 |
| 2026-06-02 | $40.03 | 22,800 |
| 2026-06-01 | $39.46 | 21,300 |
| 2026-05-29 | $39.46 | 20,600 |
| 2026-05-28 | $39.55 | 21,000 |
| 2026-05-27 | $39.62 | 58,400 |
| 2026-05-26 | $39.21 | 28,800 |
| 2026-05-22 | $39.12 | 29,900 |
| 2026-05-21 | $39.48 | 61,200 |
| 2026-05-20 | $37.31 | 30,500 |
| 2026-05-19 | $37.19 | 7,500 |
About Eagle Financial Services, Inc.
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.
đ° Latest News
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Eagle Financial Services (NASDAQ:EFSI) Is Due To Pay A Dividend Of $0.31
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Don't Buy Eagle Financial Services, Inc. (NASDAQ:EFSI) For Its Next Dividend Without Doing These Checks
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Eagle Financial Services Q4 Earnings Call Highlights
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Eagle Financial Services (NASDAQ:EFSI) shareholders have earned a 10% CAGR over the last five years
Simply Wall St. âĸ 2025-12-26T15:08:54Z
Period:
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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $66,451,000 | $64,768,000 | $63,081,000 | $61,256,000 |
| Operating Revenue | $66,451,000 | $64,768,000 | $63,081,000 | $61,256,000 |
| Expenses | ||||
| Interest Expense | $36,391,000 | $40,094,000 | $32,837,000 | $5,473,000 |
| Selling And Marketing Expense | $861,000 | $1,038,000 | $1,157,000 | $770,000 |
| General And Administrative Expense | $35,520,000 | $32,560,000 | $33,251,000 | $27,503,000 |
| Professional Expense And Contract Services Expense | $2,420,000 | $2,065,000 | $2,540,000 | $2,019,000 |
| Other Non Interest Expense | $9,939,000 | $9,139,000 | $10,749,000 | $8,263,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $8,214,000 | $15,343,000 | $9,357,000 | $14,521,000 |
| Net Interest Income | $62,226,000 | $50,597,000 | $49,733,000 | $49,104,000 |
| Interest Income | $98,617,000 | $90,691,000 | $82,570,000 | $54,577,000 |
| Normalized Income | $8,521,867 | $12,372,624 | $8,955,720 | $14,530,039 |
| Net Income From Continuing And Discontinued Operation | $8,214,000 | $15,343,000 | $9,357,000 | $14,521,000 |
| Net Income Common Stockholders | $8,214,000 | $15,343,000 | $9,357,000 | $14,521,000 |
| Net Income | $8,214,000 | $15,343,000 | $9,357,000 | $14,521,000 |
| Net Income Including Noncontrolling Interests | $8,214,000 | $15,343,000 | $9,357,000 | $14,521,000 |
| Net Income Continuous Operations | $8,214,000 | $15,343,000 | $9,357,000 | $14,521,000 |
| Pretax Income | $9,925,000 | $18,901,000 | $10,633,000 | $17,671,000 |
| Special Income Charges | $-19,000 | $3,863,000 | $14,000 | $-11,000 |
| Per Share | ||||
| Diluted EPS | $1.59 | $4.32 | $2.66 | $4.17 |
| Basic EPS | $1.59 | $4.32 | $2.66 | $4.17 |
| Other | ||||
| Tax Effect Of Unusual Items | $-64,133 | $688,624 | $54,720 | $-1,961 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Total Unusual Items | $-372,000 | $3,659,000 | $456,000 | $-11,000 |
| Total Unusual Items Excluding Goodwill | $-372,000 | $3,659,000 | $456,000 | $-11,000 |
| Reconciled Depreciation | $780,000 | $979,000 | $1,002,000 | $979,000 |
| Diluted Average Shares | $5,166,038 | $3,551,620 | $3,517,669 | $3,482,254 |
| Basic Average Shares | $5,166,038 | $3,551,620 | $3,517,669 | $3,482,254 |
| Diluted NI Availto Com Stockholders | $8,214,000 | $15,343,000 | $9,357,000 | $14,521,000 |
| Tax Provision | $1,711,000 | $3,558,000 | $1,276,000 | $3,150,000 |
| Other Special Charges | $19,000 | $-3,863,000 | $-14,000 | $11,000 |
| Gain On Sale Of Security | $-12,425,000 | $0 | $0 | $-737,000 |
| Selling General And Administration | $36,381,000 | $33,598,000 | $34,408,000 | $28,273,000 |
| Other Gand A | $1,369,000 | $1,068,000 | $1,360,000 | $1,159,000 |
| Insurance And Claims | $948,000 | $1,433,000 | $1,585,000 | $614,000 |
| Salaries And Wages | $33,203,000 | $30,059,000 | $30,306,000 | $25,730,000 |
| Occupancy And Equipment | $4,317,000 | $3,734,000 | $3,501,000 | $3,189,000 |
Fetched: 2026-06-10
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $188,839,000 | $118,987,000 | $108,379,000 | $101,729,000 |
| Total Assets | $1,888,626,000 | $1,866,215,000 | $1,825,597,000 | $1,616,717,000 |
| Cash And Cash Equivalents | $117,926,000 | $175,724,000 | $112,066,000 | $66,531,000 |
| Cash Financial | $13,942,000 | $13,129,000 | $15,417,000 | $16,629,000 |
| Cash Cash Equivalents And Federal Funds Sold | $220,980,000 | $200,716,000 | $147,921,000 | $76,127,000 |
| Debt | ||||
| Total Debt | $69,579,000 | $149,512,000 | $194,444,000 | $204,377,000 |
| Long Term Debt And Capital Lease Obligation | $69,579,000 | $124,512,000 | $174,444,000 | $204,377,000 |
| Long Term Debt | $69,579,000 | $124,512,000 | $174,444,000 | $204,377,000 |
| Current Debt And Capital Lease Obligation | $0 | $25,000,000 | $20,000,000 | $0 |
| Current Debt | $0 | $25,000,000 | $20,000,000 | $0 |
| Other Current Borrowings | $0 | $25,000,000 | $20,000,000 | $0 |
| Net Debt | - | - | $82,378,000 | $137,846,000 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $1,699,787,000 | $1,747,228,000 | $1,717,218,000 | $1,514,988,000 |
| Equity | ||||
| Common Stock Equity | $188,839,000 | $118,987,000 | $108,379,000 | $101,729,000 |
| Total Equity Gross Minority Interest | $188,839,000 | $118,987,000 | $108,379,000 | $101,729,000 |
| Stockholders Equity | $188,839,000 | $118,987,000 | $108,379,000 | $101,729,000 |
| Gains Losses Not Affecting Retained Earnings | $-5,260,000 | $-18,640,000 | $-18,006,000 | $-20,446,000 |
| Other Equity Adjustments | $-5,260,000 | $-18,640,000 | $-18,006,000 | $-20,446,000 |
| Retained Earnings | $116,115,000 | $114,012,000 | $103,445,000 | $100,278,000 |
| Other | ||||
| Ordinary Shares Number | $5,374,205 | $3,549,581 | $3,520,894 | $3,490,086 |
| Share Issued | $5,374,205 | $3,549,581 | $3,520,894 | $3,490,086 |
| Tangible Book Value | $188,839,000 | $118,987,000 | $108,379,000 | $101,729,000 |
| Invested Capital | $258,418,000 | $268,499,000 | $302,823,000 | $306,106,000 |
| Total Capitalization | $258,418,000 | $243,499,000 | $282,823,000 | $306,106,000 |
| Additional Paid In Capital | $64,720,000 | $14,901,000 | $14,280,000 | $13,268,000 |
| Capital Stock | $13,264,000 | $8,714,000 | $8,660,000 | $8,629,000 |
| Common Stock | $13,264,000 | $8,714,000 | $8,660,000 | $8,629,000 |
| Preferred Stock | $0 | $0 | $0 | $0 |
| Investments And Advances | $28,543,000 | $121,330,000 | $137,443,000 | $149,156,000 |
| Net PPE | $14,906,000 | $14,339,000 | $18,108,000 | $18,064,000 |
| Accumulated Depreciation | $-15,526,000 | $-15,418,000 | $-17,512,000 | $-16,574,000 |
| Gross PPE | $30,432,000 | $29,757,000 | $35,620,000 | $34,638,000 |
| Machinery Furniture Equipment | $9,651,000 | $9,967,000 | $9,729,000 | $9,345,000 |
| Buildings And Improvements | $14,662,000 | $13,671,000 | $19,247,000 | $18,649,000 |
| Land And Improvements | $6,119,000 | $6,119,000 | $6,644,000 | $6,644,000 |
| Other Short Term Investments | $28,543,000 | $121,330,000 | $137,443,000 | $149,156,000 |
| Available For Sale Securities | - | $120,336,000 | - | - |
Fetched: 2026-06-10
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $24,348,000 | $17,743,000 | $5,804,000 | $12,976,000 |
| Operating Activities | ||||
| Operating Cash Flow | $25,754,000 | $18,762,000 | $6,875,000 | $13,814,000 |
| Cash Flow From Continuing Operating Activities | $25,754,000 | $18,762,000 | $6,875,000 | $13,814,000 |
| Operating Gains Losses | $9,120,000 | $-6,004,000 | $-1,877,000 | $-1,127,000 |
| Investing Activities | ||||
| Capital Expenditure | $-1,406,000 | $-1,019,000 | $-1,071,000 | $-838,000 |
| Investing Cash Flow | $-965,000 | $16,746,000 | $-130,284,000 | $-331,336,000 |
| Cash Flow From Continuing Investing Activities | $-965,000 | $16,746,000 | $-130,284,000 | $-331,336,000 |
| Net Other Investing Changes | $4,955,000 | $1,994,000 | $-6,142,000 | $-9,645,000 |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $-348,000 | $-237,000 | $-302,000 | $-154,000 |
| Issuance Of Capital Stock | $53,501,000 | $0 | $132,000 | $164,000 |
| Financing Cash Flow | $-754,000 | $19,298,000 | $194,868,000 | $320,348,000 |
| Cash Flow From Continuing Financing Activities | $-754,000 | $19,298,000 | $194,868,000 | $320,348,000 |
| Cash Dividends Paid | $-6,111,000 | $-4,299,000 | $-4,229,000 | $-3,808,000 |
| Common Stock Dividend Paid | $-6,111,000 | $-4,299,000 | $-4,229,000 | $-3,808,000 |
| Net Common Stock Issuance | $53,153,000 | $-237,000 | $-170,000 | $10,000 |
| Common Stock Issuance | $53,501,000 | $0 | $132,000 | $164,000 |
| Other | ||||
| Interest Paid Supplemental Data | $37,233,000 | $40,142,000 | $31,332,000 | $4,563,000 |
| Income Tax Paid Supplemental Data | $2,014,000 | $80,000 | $2,068,000 | $4,368,000 |
| End Cash Position | $217,194,000 | $193,159,000 | $138,353,000 | $66,894,000 |
| Beginning Cash Position | $193,159,000 | $138,353,000 | $66,894,000 | $64,068,000 |
| Changes In Cash | $24,035,000 | $54,806,000 | $71,459,000 | $2,826,000 |
| Common Stock Payments | $-348,000 | $-237,000 | $-302,000 | $-154,000 |
| Net Issuance Payments Of Debt | $-80,000,000 | $-45,000,000 | $-10,000,000 | $204,326,000 |
| Net Short Term Debt Issuance | $-25,000,000 | $5,000,000 | $-155,000,000 | $175,000,000 |
| Net Long Term Debt Issuance | $-55,000,000 | $-50,000,000 | $145,000,000 | $29,326,000 |
| Net Investment Purchase And Sale | $6,830,000 | $15,063,000 | $68,460,000 | $16,181,000 |
| Sale Of Investment | $109,484,000 | $20,046,000 | $68,460,000 | $43,000,000 |
| Purchase Of Investment | $-102,654,000 | $-4,983,000 | $0 | $-26,819,000 |
| Net PPE Purchase And Sale | $-1,366,000 | $6,653,000 | $-1,032,000 | $-805,000 |
| Sale Of PPE | $40,000 | $7,672,000 | $39,000 | $33,000 |
| Purchase Of PPE | $-1,406,000 | $-1,019,000 | $-1,071,000 | $-838,000 |
| Change In Working Capital | $2,300,000 | $4,127,000 | $-3,248,000 | $-5,448,000 |
| Change In Other Current Liabilities | $1,088,000 | $1,357,000 | $1,335,000 | $-706,000 |
| Change In Other Current Assets | $1,212,000 | $2,770,000 | $-4,583,000 | $-4,742,000 |
| Other Non Cash Items | $872,000 | $-4,000 | $-47,000 | $1,566,000 |
| Stock Based Compensation | $1,216,000 | $912,000 | $1,213,000 | $1,017,000 |
| Deferred Tax | $221,000 | $600,000 | $-1,509,000 | $-86,000 |
| Deferred Income Tax | $221,000 | $600,000 | $-1,509,000 | $-86,000 |
| Depreciation Amortization Depletion | $780,000 | $979,000 | $1,002,000 | $979,000 |
| Depreciation And Amortization | $780,000 | $979,000 | $1,002,000 | $979,000 |
| Depreciation | $780,000 | $979,000 | $1,002,000 | $979,000 |
| Gain Loss On Investment Securities | $12,425,000 | $0 | $0 | $737,000 |
| Gain Loss On Sale Of PPE | $19,000 | $-3,863,000 | $-14,000 | $11,000 |
| Net Income From Continuing Operations | $8,214,000 | $15,343,000 | $9,357,000 | $14,521,000 |
| Issuance Of Debt | - | - | $145,000,000 | $29,326,000 |
| Long Term Debt Issuance | - | - | $145,000,000 | $29,326,000 |
Fetched: 2026-06-10