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EFSI stock logo

EFSI

Eagle Financial Services, Inc.

$42.5
0.54
 (1.28%)
Exchange:  NASDAQ
Market Cap:  230.006M
Shares Outstanding:  3.418M
Delayed data
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Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Banks – Regional
   
CEO:  Brandon Craig Lorey
Full Time Employees:  225
Address: 
2 East Main Street
Berryville
VA
22611
US
Website:  https://www.bankofclarke.bank
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.

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Revenue Segmentation

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EPS

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Earnings Call

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue95,918105,924104,541
Gross Profit61,43263,27964,449
EBITDA11,63519,8809,925
Operating Income10,63318,9019,925
Net Income9,35715,3438,214

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets1,825,5971,866,2151,888,626
Total Liabilities1,717,2181,747,2281,699,787
Total Stockholders Equity108,379118,987188,839
Total Debt194,444149,51269,579
Cash and Cash Equivalents112,066175,72413,942

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(* All numbers are in thousands)

Cash Flow Statement

Year202320242025
Operating Cash Flow6,87518,76227,860
Capital Expenditure-1,071-1,019-1,406
Free Cash Flow5,80417,74326,454
Net Income9,35715,3430
Net Change in Cash71,45954,80624,035

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2029Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)139,906.263Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)141,750.300Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)140,828.282Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)26,446.381Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)26,794.958Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)26,620.669Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)21,080.308Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)21,442.179Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)21,261.243Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)50,852.692Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)51,522.956Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)51,187.824Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)3.960Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)3.990Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)3.930Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)1Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated EPS)1Full AccessFull AccessFull AccessFull Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
107.658M  ?P/S
 (TTM)
: 
1.95
?Net Income
 (TTM)
: 
15.343M  ?P/E
 (TTM)
: 
11.74
?Enterprise Value
 (TTM)
: 
246.751M  ?EV/FCF
 (TTM)
: 
9.76
?Dividend Yield
 (TTM)
: 
0.03  ?Payout Ratio
 (TTM)
: 
0.35
?ROE
 (TTM)
: 
0.1  ?ROIC
 (TTM)
: 
0.01
?Net Debt
 (TTM)
: 
136.383M  ?Debt/Equity
 (TTM)
: 
0.21
?P/B
 (TTM)
: 
1.17  ?Current Ratio
 (TTM)
: 
18.95

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Full Access for high/low estimates and the interactive table.

Forward P/E 1YFull AccessFull AccessFull AccessFull Access
12.80Full AccessFull AccessFull AccessFull Access

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SWOT Analysis

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At what price to buy it? -
Intrinsic Value Calculator

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.

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Common questions about EFSI valuation

Is Eagle Financial Services, Inc. (EFSI) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for Eagle Financial Services, Inc. (EFSI) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is EFSI a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether EFSI trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is EFSI’s P/E ratio?

You can see EFSI’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for EFSI?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is EFSI a good long-term investment?

Whether EFSI fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

EFSI

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

Daily snapshot

1.28
MARKETSnap

Trading Metrics:

Open: 42.81   Previous Close: 41.96
Day Low: 42.3   Day High: 42.81
Year Low: 28.7   Year High: 42.81
Price Avg 50: 38.05   Price Avg 200: 37.5
Volume: 22328   Average Volume: 16563

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