NASDAQ: EFSI
Eagle Financial Services Inc Stock

$43.13+0.37 (+0.87%)
Updated Jun 12, 2026
EFSI Price
$43.13
Fair Value Price
$52.82
Market Cap
$233.44M
52 Week Low
$28.70
52 Week High
$43.98
P/E
12.18x
P/B
1.23x
P/S
2.33x
PEG
N/A
Dividend Yield
2.88%
Revenue
$81.12M
Earnings
$18.93M
Gross Margin
100%
Operating Margin
29.12%
Profit Margin
23.3%
Debt to Equity
8.66
Operating Cash Flow
$24M
Beta
0.1
Next Earnings
Jul 23, 2026
Ex-Dividend
N/A
Next Dividend
N/A

EFSI Overview

Eagle Financial Services, Inc. functions as the parent company for Bank of Clarke County, delivering a comprehensive array of retail and commercial banking solutions across the Shenandoah Valley and Northern Virginia regions. Their core offerings include various deposit accounts, such as checking, NOW, money market, and standard savings accounts, alongside both demand and time deposits. The institution maintains a diverse loan portfolio, encompassing financing for single-to-four-family residential properties, commercial real estate ventures, construction and land development projects, and commercial and industrial enterprises. Additionally, they provide a range of consumer lending options, both secured and unsecured, including personal installment loans, lines of credit, auto loans, and credit card services. Beyond traditional banking, Eagle Financial Services offers personal and retirement planning assistance. Their investment services are extensive, featuring tax-deferred annuities, IRAs and rollovers, mutual funds, retirement and college savings plans, various insurance products (life, long-term care), fixed-income investments, brokerage CDs, and both full-service and discount brokerage options. They also facilitate non-deposit investment products and provide title insurance. To ensure convenient access, the company supports ATM and debit card services, alongside modern telephone, internet, and mobile banking platforms. For commercial clients, specialized services like ACH origination and remote deposit capture are available. The company's physical presence includes twelve full-service branches, two loan production offices, a dedicated wealth management office, and a drive-through only facility. Complementing these are 13 ATM locations, strategically placed throughout the Virginia communities of Berryville, Winchester, Boyce, Stephens City, Purcellville, Warrenton, Leesburg, Ashburn, and Fairfax. Established in 1881, Eagle Financial Services, Inc. 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
#160 of 283

Top Ranked Stocks in Industry

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EFSI News

Overview

Due Diligence Score

Industry Average (38)
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 ($43.13) is undervalued by 18.34% relative to our estimate of its Fair Value price of $52.82 based on Discounted Cash Flow (DCF) modelling, but does not have a significant margin of safety
Below Fair Value Valuation
EFSI ($43.13) is not significantly undervalued (18.34%) relative to our estimate of its Fair Value price of $52.82 based on Discounted Cash Flow (DCF) modelling, when including a healthy margin of safety
Significantly Below Fair Value Valuation
EFSI is forecast by analysts... 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
$43.13
Fair Value
$52.82
Undervalued by
18.34%
EFSI ($43.13) is undervalued by... subscribe to Premium to read more.
Below Fair Value Valuation
EFSI ($43.13) is not significantly... subscribe to Premium to read more.
Significantly Below Fair Value Valuation
EFSI is forecast by analysts... 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
12.18x
Industry
13.98x
Market
14.15x
EFSI is good 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
1.23x
Industry
1.28x
EFSI is good value based... subscribe to Premium to read more.
P/B vs Industry Valuation

EFSI's financial health

Profit margin

Revenue
$18.9M
Net Income
$3.7M
Profit Margin
19.8%
EFSI's Earnings (EBIT) of $23.62M... subscribe to Premium to read more.
Interest Coverage Financials
EFSI's profit margin has increased... subscribe to Premium to read more.
Profit Margin Growth Financials

Assets to liabilities

Assets
$1.8B
Liabilities
$1.6B
Debt to equity
8.66
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
$4.3M
Investing
$19.4M
Financing
-$51.1M
EFSI's operating cash flow ($24.25M)... subscribe to Premium to read more.
Debt Coverage Financials

EFSI vs Bank Stocks

TickerZen RatingMarket Cap1d %P/EP/B
EFSIC$233.44M+0.87%12.18x1.23x
FBLAD$232.24M+0.14%359.25x0.78x
NKSHC$231.36M+0.67%13.16x1.23x
FSBWC$231.04M+0.64%9.79x0.74x
OVBCC$236.16M+1.99%15.28x1.38x

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 $43.98, and its 52-week low was $28.70. It is currently -1.92% from its 52-week high and 50.28% 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 $43.13 per share, the total value of Eagle Financial Services stock (market capitalization) is $233.44M.

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 231.77%, for an annualized return of 5.12% (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 $43.13 today (as of Jun 12, 2026).

What is Eagle Financial Services's Market Cap?

(NASDAQ: EFSI) Eagle Financial Services's market cap is $233.44M, as of Jun 15, 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 $43.13 by EFSI's total outstanding shares of 5,412,376.
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