Financial Services
Eagle Financial Services, Inc.(EFSI)
Live Price
Offline$43.13
+0.87% today
1Y Change
+37.40%
Window
Jun 26, 2025 โ Jun 23, 2026
- Market Cap
- $190.00M
- Revenue Growth
- -1.3%
- EPS Growth
- -63.2%
- Dividend Yield
- 3.4%
Coverage: 248 bars ยท Jun 26, 2025 โ Jun 23, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
Eagle Financial Services, Inc. (EFSI) is a Financial Services stock with a market cap of $190.00M and listed on NASDAQ. The stock last traded around $43.13 and up 37.4% across the available one-year price window (Jun 26, 2025 โ Jun 23, 2026). Baseline metrics include revenue growth of -1.3%, EPS growth of -63.2%, a dividend yield of 3.4%. What stands out right now is revenue -1.3%, EPS -63.2%, free cash flow +49.1% with operating margin 16.4% and ROIC 0.8%. The dividend matters to the case here, with a current yield around 3.4%. Valuation is more restrained than many high-expectation growth names at P/E 10.3 and price/sales 1.7. Overall, the current profile looks closer to a income-oriented value setup than a generic broad-market placeholder. Stock Foundry combines EFSI price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Sector Context
How this name stacks up against nearby peers on first-pass metrics.
Revenue Growth
Below sector median
-1.3% vs +3.4% peer median
Operating Margin
Above sector median
+16.4% vs +4.7% peer median
What Changed This Quarter
Latest report context and the signals most likely to have changed the story.
Latest report is on the board
2026 was reported on Apr 24, 2026, but the surprise data is still limited.
The operating picture looks softer than before
Revenue is at -1.3% and EPS is at -63.2%, with operating margin around 16.4%.
Shareholder return is still part of the story
The stock is still offering a dividend yield around 3.4%, which matters if the thesis depends on income as much as growth.
Earnings Reaction Memory
How the stock has tended to move after recent reports.
Across the last 3 reported quarters, the stock averaged -1.9% over the next 5 trading days and finished higher after 0 of those reports.
View quarter-by-quarter reaction table
| Quarter | EPS ฮ | 1D | 5D | 20D |
|---|---|---|---|---|
2026 Apr 24, 2026 | โ | +0.0% | -0.3% | +2.8% |
2026 Jan 26, 2026 | -6.4% | -0.6% | -4.2% | -6.8% |
2025 Oct 23, 2025 | +30.0% | +0.9% | -1.2% | -6.3% |
Benchmark Edge
EFSI vs SPY, QQQ, and Sector ETFs
Normalized return, excess return, max drawdown, and calendar-year wins against the benchmarks investors actually use.
EFSI
โ
Normalized return
SPY
--
S&P 500
Excess Return
--
Relative to SPY
EFSI Max Drawdown
-21.87%
Trailing 1Y
SPY Max Drawdown
โ
Trailing 1Y
Calendar-Year Returns
Uses the longest available daily history for EFSI and SPY.
Company Overview
Eagle Financial Services, Inc.
NASDAQ Capital Market
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.
- Leadership
- Brandon Craig Lorey
- IPO Date
- Jul 5, 2001
- Employees
- 225
- Street Address
- 2 East Main Street
- Mailing
- Berryville, VA, 22611
- Region
- Berryville, VA, US
- Reporting Currency
- USD
- Investor Line
- 540 955 2510
- Last Updated
- Apr 28, 2026
Key Fundamentals
Valuation, growth, profitability, and balance sheet signals.
Valuation
- P/E
- 10.3
- EV/EBITDA
- 11.0
- Price/Sales
- 1.7
- Price/Book
- 1.0
Growth
- Revenue
- -1.3%
- EPS
- -63.2%
- Free Cash Flow
- +49.1%
Profitability
- Gross Margin
- 67.9%
- Operating Margin
- 16.4%
- Net Margin
- 16.6%
- ROE
- 10.2%
- ROIC
- 0.8%
Balance Sheet
- Debt/Equity
- 0.16
- Current Ratio
- โ
Earnings Reports
Latest News
Official Releases
Company announcements and filings-style updates.
Next Step
Keep the research moving
After the overview, the strongest next step is usually chart context or a tighter compare set.