Eagle Financial Services, Inc.
- Open
- 41.80
- Day high
- 41.80
- Day low
- 40.54
- Prev close
- 41.26
- Volume
- 63K
- Mkt cap
- $228M
- P/E (TTM)
- 12.0
- EPS (TTM)
- $3.44
- P/B
- 1.2
- P/S
- 2.0
- Yield
- 2.94%
- Per share
- $1.24
- ▼Insiders net selling -$15K over the last 3 months (0 open-market buys, 1 sale)
- 🏛Institutions mixed (13F)
Eagle Financial Services, Inc. (EFSI) is a Financial Services company listed on NASDAQ. The stock is up 28% over the past year. Over the trailing 3 months, insiders filed 0 open-market buys and 1 sale (SEC Form 4).
Eagle Financial Services, Inc. (EFSI) financials & analyst ratings
Fundamentals (TTM)
Analyst consensus · 2 analysts
Source: exchange market data + company filings. Figures are trailing-twelve-month or as most recently reported. For informational purposes only — not investment advice.
EFSI earnings date, history & EPS estimates
| Report date | EPS est | EPS actual | Surprise | Revenue | Rev. surprise |
|---|---|---|---|---|---|
| Apr 24, 2026 | $0.86 | $0.69 | -19.8% | $21M | -1.7% |
| Mar 16, 2026 | — | $0.81 | — | $30M | — |
| Oct 23, 2025 | $0.80 | $1.04 | +30.0% | $22M | +9.6% |
| Jul 24, 2025 | $0.82 | $0.98 | +19.5% | $20M | -6.9% |
| Apr 25, 2025 | $0.92 | $0.62 | -32.6% | $14M | -26.4% |
| Mar 31, 2025 | — | $1.74 | — | $28M | — |
| Oct 25, 2024 | — | $0.97 | — | $28M | — |
| Jul 26, 2024 | — | $0.89 | — | $26M | — |
| Apr 26, 2024 | — | $0.72 | — | $25M | — |
| Mar 29, 2024 | — | $0.68 | — | $25M | — |
| Oct 27, 2023 | — | $0.66 | — | $26M | — |
| Jul 26, 2023 | — | $0.59 | — | $23M | — |
EFSI insider trading activity (SEC Form 4)
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| May 1, 2026 | SCHMIDT MARIANNEofficer: EXECUTIVE OFFICER | Sell | 388 | $37.95 |
| Mar 12, 2026 | HAMBERGER SCOTT Mdirector | Buy | 909 | $33.00 |
| Mar 6, 2026 | HILL EDWARD IIIdirector | Buy | 939 | $34.62 |
| Feb 12, 2026 | Yamini Yasamanofficer: EXECUTIVE OFFICER | Tax | 36 | $39.35 |
| Feb 12, 2026 | Yamini Yasamanofficer: EXECUTIVE OFFICER | Tax | 95 | $39.44 |
| Feb 12, 2026 | Yamini Yasamanofficer: EXECUTIVE OFFICER | Grant | 1,363 | — |
| Feb 3, 2026 | HAMBERGER SCOTT Mdirector | Buy | 597 | $37.99 |
| Jan 6, 2026 | CROSON KATHLEEN Sofficer: EXECUTIVE OFFICER | Tax | 133 | $39.35 |
| Jan 6, 2026 | POFFINBERGER AARON Mofficer: EXECUTIVE OFFICER | Grant | 2,317 | — |
| Jan 6, 2026 | Lorey Brandon Craigdirector, officer: EXECUTIVE OFFICER | Grant | 7,290 | — |
| Jan 6, 2026 | MATTHEWS TATIANA Cdirector | Grant | 761 | — |
| Jan 6, 2026 | CROSON KATHLEEN Sofficer: EXECUTIVE OFFICER | Grant | 1,576 | — |
| Jan 6, 2026 | Shyamsunder Karthikdirector | Grant | 761 | — |
| Jan 6, 2026 | SCHMIDT MARIANNEofficer: EXECUTIVE OFFICER | Tax | 120 | $39.35 |
| Jan 6, 2026 | Chappell Kathleen Jofficer: EXECUTIVE OFFICER | Grant | 3,105 | — |
Source: EFSI SEC Form 4 filings, latest May 1, 2026. For informational purposes only — not investment advice.
See the full EFSI insider & 13F page →Eagle Financial Services, Inc. company profile
Overview
Eagle Financial Services, Inc. (NASDAQ:EFSI) is a regional bank holding company founded in 1881 and headquartered in Berryville, Virginia. The company operates as the parent organization of Bank of Clarke County, which provides comprehensive retail and commercial banking services throughout the Shenandoah Valley and Northern Virginia regions. With over 140 years of history serving local communities, Eagle Financial has grown from a single community bank into a multi-branch financial institution operating twelve full-service branches, two loan production offices, one wealth management office, and one drive-through facility across Virginia communities including Berryville, Winchester, Boyce, Stephens City, Purcellville, Warrenton, Leesburg, Ashburn, and Fairfax.
Business
Eagle Financial Services operates in the regional banking sector, providing traditional commercial and retail banking services to individuals, businesses, and organizations in its market area. The company's core business revolves around accepting deposits from customers and lending those funds to borrowers, earning income from the interest rate spread between what it pays depositors and what it charges borrowers. The company's deposit products include standard banking offerings such as checking accounts, NOW (Negotiable Order of Withdrawal) accounts, money market accounts, regular savings accounts, and various time deposits including certificates of deposit. These products serve as the primary funding source for the bank's lending operations. On the lending side, Eagle Financial's loan portfolio encompasses several key categories. One-to-four-family residential real estate loans represent traditional home mortgages for individual borrowers. Commercial real estate loans finance income-producing properties and commercial buildings for business customers. Construction and land development loans provide funding for real estate development projects. Commercial and industrial loans support business operations, equipment purchases, and working capital needs. The bank also offers various consumer lending products including personal installment loans, personal lines of credit, automobile loans, and credit card services. Beyond traditional banking, Eagle Financial provides wealth management and investment services through its subsidiary operations. These services include retirement planning, investment advisory services, tax-deferred annuities, individual retirement accounts (IRAs), mutual funds, college savings plans, life insurance, long-term care insurance, and full-service brokerage services. The company also offers title insurance products and various digital banking services including ATM and debit card services, telephone banking, internet banking, and mobile banking applications.
Revenue model
Eagle Financial generates revenue primarily through net interest income, which is the difference between interest earned on loans and investments and interest paid on deposits and borrowed funds. This traditional banking model depends on maintaining a positive interest rate spread while managing credit risk and funding costs. The bank's customers include individual consumers seeking personal banking services, small to medium-sized businesses requiring commercial banking solutions, and real estate developers needing construction financing. Commercial customers also utilize specialized services such as ACH (Automated Clearing House) origination for electronic payments and remote deposit capture services for efficient check processing. Additional revenue streams include fee-based income from wealth management services, investment product sales, and various banking fees. The company earns commissions and fees from insurance products, investment advisory services, and brokerage transactions. Traditional banking fees from overdrafts, account maintenance, and transaction processing also contribute to non-interest income. Several factors influence the bank's profitability margins. Interest rate environment significantly impacts net interest margins, with rising rates generally benefiting banks that have more variable-rate assets than liabilities. Credit quality affects profitability through loan loss provisions, with economic downturns potentially increasing charge-offs and reducing earnings. Competition from larger regional banks, credit unions, and fintech companies can pressure both deposit pricing and loan yields. Regulatory compliance costs represent an ongoing expense that can impact operational efficiency. Local economic conditions in the Shenandoah Valley and Northern Virginia markets directly influence loan demand, deposit flows, and credit quality, making the bank's performance closely tied to regional economic health.
Competitive moat
Eagle Financial operates in the highly competitive regional banking sector with limited sustainable competitive advantages. The company's primary moat stems from its local market relationships and community banking focus, which can provide some protection against larger institutional competitors. Having operated in the same geographic region for over 140 years, the bank has developed deep customer relationships and local market knowledge that can be difficult for outside competitors to replicate quickly. However, this moat is relatively narrow and faces significant challenges. Geographic concentration in the Shenandoah Valley and Northern Virginia markets creates both opportunity and risk, as the bank's performance is closely tied to local economic conditions. While the Northern Virginia market benefits from proximity to Washington D.C. and generally strong economic fundamentals, this concentration limits diversification. The banking industry faces substantial competitive pressures from multiple directions. Larger regional and national banks can offer more comprehensive services, better technology platforms, and more competitive pricing due to economies of scale. Credit unions often provide competitive rates due to their tax-advantaged status and member-focused structure. Fintech companies and online banks are increasingly capturing market share by offering superior digital experiences and higher deposit rates without the overhead of physical branch networks. Regulatory barriers do provide some protection by making it difficult for new competitors to enter the banking market, but existing competitors continue to consolidate and gain scale advantages. The bank's small size relative to regional peers may limit its ability to invest in technology and compete effectively for larger commercial relationships. Overall, while Eagle Financial benefits from local market presence, its competitive moat appears modest and potentially vulnerable to continued industry consolidation and technological disruption.
Risks & safety
Eagle Financial's margin of safety appears limited based on recent financial performance and balance sheet metrics. • Solvency concerns: The company reported a significant net loss of $7.0 million in Q1 2025, following profitable operations in 2024, indicating potential earnings volatility and operational challenges. • Debt levels: Debt-to-equity ratio of 0.14 is relatively low, suggesting manageable leverage, though the bank's deposit liabilities create inherent funding risk typical of banking operations. • Cash position: Cash and short-term investments of $16.5 million represents less than 1% of total assets, which is normal for banks but creates liquidity management requirements. • Valuation metrics: Trading at 0.85x book value suggests the market recognizes limited growth prospects or operational challenges, though this could indicate potential value if performance improves. • Profitability trends: Return on equity of 12.9% for 2024 was reasonable, but the negative ROE in Q1 2025 raises concerns about earnings sustainability. • Asset quality: Limited visibility into loan loss provisions and non-performing assets from available data makes it difficult to assess credit risk exposure. • Scale disadvantages: With approximately $1.9 billion in assets, the bank may face ongoing pressure to achieve operating leverage and compete effectively against larger institutions.
Recent development
Based on the available financial data, Eagle Financial has experienced mixed operational performance over recent periods. The company generated solid profitability in 2024 with net income of $15.3 million and a return on equity of 12.9%, representing an improvement from 2023's performance. However, the first quarter of 2025 showed concerning developments with a significant net loss of $7.0 million, suggesting potential operational challenges or one-time charges that impacted earnings. The bank's balance sheet has shown growth, with total assets increasing from approximately $1.6 billion in 2022 to $1.9 billion by early 2025. This growth appears to be driven by both loan portfolio expansion and deposit gathering, though the specific strategic initiatives behind this growth are not detailed in the available financial statements. Revenue performance has been relatively stable, with annual revenues in the $60-66 million range over the past several years. The quarterly revenue volatility, ranging from approximately $15 million to $28 million, likely reflects the seasonal nature of certain banking activities and potential timing differences in fee income recognition. Without access to management commentary from earnings calls, the specific strategic initiatives, technology investments, market expansion plans, or operational improvements that Eagle Financial has undertaken remain unclear. The financial metrics suggest the bank has been focused on traditional community banking growth while managing through the challenging interest rate environment that has affected the entire banking sector.
EFSI company profile · for informational purposes only — not investment advice.
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