NASDAQ: EFSIEagle Financial Services Inc Stock
$29.26+0.16 (+0.55%)
Updated Jun 20, 2025
EFSI Price
$29.26
Fair Value Price
$41.74
Market Cap
$157.37M
52 Week Low
$28.70
52 Week High
$33.53
P/E
14.14x
P/B
0.89x
P/S
3.02x
PEG
0.32x
Dividend Yield
1.06%
Revenue
$58.36M
Earnings
$5.82M
Gross Margin
100%
Operating Margin
11.68%
Profit Margin
10%
Debt to Equity
9.79
Operating Cash Flow
$18M
Beta
0.06
Next Earnings
Jul 24, 2025
Ex-Dividend
N/A
Next Dividend
N/A
EFSI Overview
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.
Zen Rating
Our proven quant model uses 115 proprietary factors, including AI, to determine EFSI's potential to beat the market
CHold
- Stocks with a Zen Rating of Hold (C) had an average return of +7.53% per year. Learn More
Zen Rating Component Grades
C
Zen Rating uses advanced AI algorithms that detect subtle patterns in market data; it anticipates future trends that point to superior stock price results.
Industry: Bank
Industry Rating
D
EFSI
Ranked#119 of 296
Ranked#119 of 296
Top Ranked Stocks in Industry
| Name / Ticker | Price | Zen Rating |
|---|---|---|
| $36.04 | B | |
| $35.75 | B | |
| $15.91 | B |
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EFSI News
Overview
Due Diligence Score
–
Industry Average (36)
You've viewed Due Diligence Score for 10/10 free stocks. Upgrade to Premium to see how EFSI scored across 38 valuation, financial, forecast, performance, and dividend due diligence checks.
Due Diligence Checks
EFSI ($29.26) is undervalued by 29.9% relative to our estimate of its Fair Value price of $41.74 based on Discounted Cash Flow (DCF) modelling, but does not have a significant margin of safety
Below Fair Value Valuation
EFSI ($29.26) is significantly undervalued by 29.9% relative to our estimate of its Fair Value price of $41.74 based on Discounted Cash Flow (DCF) modelling, which includes a healthy margin of safety
Significantly Below Fair Value Valuation
EFSI ($29.26) is trading below... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
There are 35 more EFSI due diligence checks available for Premium users.
Valuation
EFSI fair value
Fair Value of EFSI stock based on Discounted Cash Flow (DCF)
Price
$29.26
Fair Value
$41.74
Undervalued by
29.90%
EFSI ($29.26) is undervalued by... subscribe to Premium to read more.
Below Fair Value Valuation
EFSI ($29.26) is significantly undervalued... subscribe to Premium to read more.
Significantly Below Fair Value Valuation
EFSI ($29.26) is trading below... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
EFSI price to earnings (PE)
For valuing profitable companies with steady earnings
Company
14.14x
Industry
12.24x
Market
32.13x
EFSI is poor value based... subscribe to Premium to read more.
P/E vs Industry Valuation
EFSI is good value based... subscribe to Premium to read more.
P/E vs Market Valuation
EFSI price to book (PB)
For valuing companies that are loss-making or have lots of physical asset
Company
0.89x
Industry
1.19x
EFSI is good value based... subscribe to Premium to read more.
P/B vs Industry Valuation
EFSI price to earnings growth (PEG)
For valuing profitable companies with growth potential
EFSI is good value based... subscribe to Premium to read more.
PEG Value Valuation
EFSI's financial health
Profit margin
Revenue
$3.5M
Net Income
-$7.0M
Profit Margin
-196.5%
EFSI's Earnings (EBIT) of $6.82M... subscribe to Premium to read more.
Interest Coverage Financials
EFSI's profit margin has decreased... subscribe to Premium to read more.
Profit Margin Growth Financials
Assets to liabilities
Assets
$1.9B
Liabilities
$1.7B
Debt to equity
9.79
EFSI's debt has increased relative... subscribe to Premium to read more.
Shrinking Debt Financials
EFSI's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials
Cash flow
Operating
$5.8M
Investing
$30.2M
Financing
$35.8M
EFSI's operating cash flow ($17.81M)... subscribe to Premium to read more.
Debt Coverage Financials
EFSI vs Bank Stocks
Eagle Financial Services Stock FAQ
Company
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