Eagle Financial Services, Inc. (EFSI)

NCM – Real Time Price. Currency in USD

41.26

-0.37 (-0.89%)

At close: Jun 26, 2026, 4:00 PM EDT

41.26

-0.00 (-0.00%)

After-hours: Jun 26, 2026, 4:31 PM EDT

Stock details

Previous close: 42.8$
Day's range: 42.05 - 43.24$
52-week range: 29.25 - 44$
Volume: 110 250
Average volume: 44 849
Beta: 0.73
EPS (TTM): 3.52
PE ratio (TTM): 12.17
Forward P/E: 12.9
Market cap: 231 649 680
Shares outstanding: 5 412 376
Dividend yield: $2.95 (2.95%)
Next earnings date: 2026-07-29
Sector: Financials
Industry: Banks - Regional

About the company

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 commerc... read more

CEO: Brandon Lorey
Country: United States
IPO Date
Employees: 253
Fiscal Year End: January - December
Website: https://www.bankofclarke.bank

Revenue Breakdown

Community Banking / 82.12%

Wealth Management / 10.98%

Marine Lending / 8.95%

News

No Data

There are no news for this stock.

Chart: EFSI

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Overall Score

4.5 / 1045%

Financial Strength

6.2

Profitability

5.6

Effectiveness

3.3

Growth

4.8

Forecast

3.8

Valuation

4.8

Dividend

6.8

Economic Moat

Octagon View

Strength & Weakness

Cash reserves $0.0 barely cover the upcoming debt maturities $39.3M

Total current assets $0.0 are just enough to cover Total current liabilities $0.0, indicating tight liquidity

Debt-to-equity ratio (0.2) is well below the industry average (0.1), showcasing prudent financial management

The company has no interest-bearing debt, showcasing excellent financial strength

The company generates positive free cash flow $4.1M, supporting its financial health

Financial Strength

NAME	RATIO	INDUSTRY	SCORE
Current ratio	0.18	2.82	2.0
Quick ratio	N/A	2.82	1.0
Debt to Equity	0.21	0.05	9.0
Debt to Assets	0.02	0.09	9.0
Interest coverage	N/A	N/A	10
Weighted average score			6.2

Debt to Assets

Financial

Values in USD
(B=Billions, M=Millions, K=Thousands)

Values in USD (B=Billions, M=Millions, K=Thousands)

METRIC	2022	2023	2024	2025	TTM
Total Revenue	68M	98M	109M	106M	119M
Gross Profit	N/A	N/A	N/A	N/A	N/A
Operating Income	18M	11M	15M	10M	24M
Net Income	15M	9M	15M	8M	19M
EBITDA	N/A	N/A	N/A	N/A	N/A

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

NAME	RATIO	INDUSTRY	SCORE
Gross margin %	N/A	48.43	1.0
Operating margin %	22.40	0.44	9.0
Net margin %	17.98	32.70	10
EBITDA margin %	N/A	0.00	1.0
Cash flow margin %	14.96	0.00	7.0
Weighted average score			5.6

Net Margin

Effectiveness

NAME	RATIO	INDUSTRY	SCORE
ROA	0.60	1.46	2.0
ROE	6.93	14.94	5.0
ROIC	4.48	0.00	5.0
ROCE	N/A	0.00	1.0
Weighted average score			3.3

Estimated EPS vs Actual EPS

Forecast

NAME	REVENUE GROWTH	EPS GROWTH	SCORE
Current quarter	6.75	-19.39	3.0
Next quarter	-2.35	-11.05	1.0
Current year	23.75	-3.86	5.5
Next year	4.24	10.05	5.5
Weighted average score			3.8

Analyst Rating

Growth

NAME	REVENUE	NET INCOME	EPS	FCF	SCORE
Q/Q	-3.84	-13.7	-14.8	-63.03	1.0
Y/Y	93.65	153.63	11.29	-23.63	7.0
3y average	17.34	-6	N/A	47.71	5.3
5y average	18.29	2.48	N/A	35.69	5.8
Weighted average score					4.8

Revenue Growth Rate vs. Industry

Valuation

NAME	RATIO	INDUSTRY	SCORE
P/E	11.23	11.16	6.8
PEG (5yr expected)	N/A	98.42	1.0
P/S	2.80	3.37	4.8
P/B	1.22	1.53	6.4
Weighted average score			4.8

DCF Model

DCF Model Period5 years

Discount rate9%

Perpetual growth rate3%

Revenue 5 year CAGR8.99%

FCF 5 year CAGR4

Fair value54.73$

Stock price42.8$

Dividend

NAME	CURRENT	INDUSTRY	SCORE
Dividend yield	3.66	3.66	8.0
Payout ratio	38.51	38.51	6.0
5-year dividend growth rate	3.58	3.58	5.0
Years of dividend increase	14.00	14.00	8.0
Weighted average score			6.8

Fair Value

$54.73

UndervaluedStock priceOvervalued

$42.8

Economic Moat

NAME	SCALE	SCORE
Market share	None	1.0
Intangible assets	None	1.0
Switching costs	None	1.0
Network effect	None	1.0
Economies of scale	None	1.0
Weighted average score		1.0

About the company

CEO

Brandon Lorey

Country

United States

IPO Date

Employees

253

Fiscal Year End

January - December

Website

https://www.bankofclarke.bank

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Current ratio

0.18

2.82

2.0

Quick ratio

N/A

2.82

1.0

Debt to Equity

0.21

0.05

9.0

Debt to Assets

0.02

0.09

9.0

Interest coverage

N/A

Weighted average score

6.2

METRIC

2022

2023

2024

2025

TTM

Total Revenue

68M

98M

109M

106M

119M

Gross Profit

N/A

Operating Income

18M

11M

15M

10M

24M

Net Income

15M

19M

EBITDA

N/A

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Gross margin %

N/A

48.43

1.0

Operating margin %

22.40

0.44

9.0

Net margin %

17.98

32.70

EBITDA margin %

N/A

0.00

1.0

Cash flow margin %

14.96

0.00

7.0

Weighted average score

5.6

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

ROA

0.60

1.46

2.0

ROE

6.93

14.94

5.0

ROIC

4.48

0.00

5.0

ROCE

N/A

0.00

1.0

Weighted average score

3.3

NAME

REVENUE GROWTH

EPS GROWTH

SCORE

Current quarter

6.75

-19.39

3.0

Next quarter

-2.35

-11.05

1.0

Current year

23.75

-3.86

5.5

Next year

4.24

10.05

5.5

Weighted average score

3.8

NAME

REVENUE

NET INCOME

EPS

FCF

SCORE

Q/Q

-3.84

-13.7

-14.8

-63.03

1.0

Y/Y

93.65

153.63

11.29

-23.63

7.0

3y average

17.34

-6

N/A

47.71

5.3

5y average

18.29

2.48

N/A

35.69

5.8

Weighted average score

4.8

NAME

RATIO

INDUSTRY

5Q TREND

SCORE

P/E

11.23

11.16

6.8

PEG (5yr expected)

N/A

98.42

1.0

P/S

2.80

3.37

4.8

P/B

1.22

1.53

6.4

Weighted average score

4.8

NAME

CURRENT

INDUSTRY

SCORE

Dividend yield

3.66

8.0

Payout ratio

38.51

6.0

5-year dividend growth rate

3.58

5.0

Years of dividend increase

14.00

8.0

Weighted average score

6.8

NAME

SCALE

SCORE

Market share

None

1.0

Intangible assets

None

1.0

Switching costs

None

1.0

Network effect

None

1.0

Economies of scale

None

1.0

Weighted average score

1.0

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Eagle Financial Services, Inc. (EFSI)

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Eagle Financial Services, Inc. (EFSI)

Stock details

About the company

Revenue Breakdown

News

Chart: EFSI

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$54.73

$42.8

Economic Moat

Stock details

About the company

Revenue Breakdown

News

Chart: EFSI

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$54.73

$42.8

Economic Moat