NASDAQ: EFSI
Eagle Financial Services Inc Stock

$37.68-0.22 (-0.58%)
Updated Apr 30, 2026
EFSI Price
$37.68
Fair Value Price
$48.35
Market Cap
$203.94M
52 Week Low
$28.70
52 Week High
$41.12
P/E
23.7x
P/B
1.08x
P/S
3.25x
PEG
0.22x
Dividend Yield
3.29%
Revenue
$65.80M
Earnings
$8.21M
Gross Margin
100%
Operating Margin
15.08%
Profit Margin
12.5%
Debt to Equity
9
Operating Cash Flow
$26M
Beta
0.09
Next Earnings
May 15, 2026
Ex-Dividend
May 4, 2026
Next Dividend
May 15, 2026

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
#90 of 282

Top Ranked Stocks in Industry

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Overview

Due Diligence Score

Industry Average (39)
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 ($37.68) is undervalued by 22.07% relative to our estimate of its Fair Value price of $48.35 based on Discounted Cash Flow (DCF) modelling, but does not have a significant margin of safety
Below Fair Value Valuation
EFSI ($37.68) is significantly undervalued by 22.07% relative to our estimate of its Fair Value price of $48.35 based on Discounted Cash Flow (DCF) modelling, which includes a healthy margin of safety
Significantly Below Fair Value Valuation
EFSI ($37.68) 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
$37.68
Fair Value
$48.35
Undervalued by
22.07%
EFSI ($37.68) is undervalued by... subscribe to Premium to read more.
Below Fair Value Valuation
EFSI ($37.68) is significantly undervalued... subscribe to Premium to read more.
Significantly Below Fair Value Valuation
EFSI ($37.68) 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
23.7x
Industry
14.45x
Market
18.99x
EFSI is poor value based... subscribe to Premium to read more.
P/E vs Industry Valuation
EFSI is poor 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
1.08x
Industry
1.26x
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
$21.0M
Net Income
$4.3M
Profit Margin
20.6%
EFSI's Earnings (EBIT) of $9.93M... 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
EFSI's debt relative to shareholder... 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
$9.2M
Investing
-$10.6M
Financing
-$49.5M
EFSI's operating cash flow ($25.75M)... subscribe to Premium to read more.
Debt Coverage Financials

EFSI vs Bank Stocks

TickerZen RatingMarket Cap1d %P/EP/B
EFSIC$203.94M-0.58%23.70x1.08x
CZWIC$199.79M-0.38%14.21x1.06x
INBKC$199.79M+1.51%-5.69x0.56x
OVBCC$209.69M-1.07%13.45x1.23x
FINWC$212.68M-2.35%12.96x1.10x

Eagle Financial Services Stock FAQ

What is Eagle Financial Services's quote symbol?

(NASDAQ: EFSI) Eagle Financial Services trades on the NASDAQ under the ticker symbol EFSI. Eagle Financial Services stock quotes can also be displayed as NASDAQ: EFSI.

If you're new to stock investing, here's how to buy Eagle Financial Services stock.

What is the 52 week high and low for Eagle Financial Services (NASDAQ: EFSI)?

(NASDAQ: EFSI) Eagle Financial Services's 52-week high was $41.12, and its 52-week low was $28.70. It is currently -8.37% from its 52-week high and 31.29% from its 52-week low.

How much is Eagle Financial Services stock worth today?

(NASDAQ: EFSI) Eagle Financial Services currently has 5,412,376 outstanding shares. With Eagle Financial Services stock trading at $37.68 per share, the total value of Eagle Financial Services stock (market capitalization) is $203.94M.

Eagle Financial Services stock was originally listed at a price of $13.00 in Jul 5, 2001. If you had invested in Eagle Financial Services stock at $13.00, your return over the last 24 years would have been 189.85%, for an annualized return of 4.53% (not including any dividends or dividend reinvestments).

How much is Eagle Financial Services's stock price per share?

(NASDAQ: EFSI) Eagle Financial Services stock price per share is $37.68 today (as of Apr 30, 2026).

What is Eagle Financial Services's Market Cap?

(NASDAQ: EFSI) Eagle Financial Services's market cap is $203.94M, as of May 1, 2026.

Market cap (market capitalization) is the total market value of a publicly traded company's outstanding shares.

Eagle Financial Services's market cap is calculated by multiplying EFSI's current stock price of $37.68 by EFSI's total outstanding shares of 5,412,376.
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