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Eagle Financial Services, Inc.(EFSI)Earnings, Financials & Key Ratios
EFSI•NASDAQ•Banking & Credit
$40.30
25.3× P/E·Price updated Jul 7, 2026
AboutEagle 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.Show more
- Net Interest Income$62M+23.1%
- Total Revenue$105M-1.3%
- Net Income$8M-46.5%
- Return on Equity5.34%-60.5%
- Net Interest Margin3.3%+21.6%
- Efficiency Ratio52.16%+24.5%
- ROA0.44%-47.4%
- Equity / Assets10%+56.8%
- Book Value per Share35.17+5.1%
EFSI Price & Volume
Eagle Financial Services, Inc. (EFSI) stock price & volume — 10-year historical chart
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Persistent Margin Compression Challenges Eagle Financial Outlook
Investment Thesis • Updated 2026Q1
VerdictNeutral
Growth:Mixed
Profitability:Strained
Financial:Healthy
Cash Flow:Mixed
Primary Risk:CRE Concentration and NIM
Key Thesis Takeaways
- Eagle Financial Services faces a complex outlook characterized by stagnant net interest margins of 0.9% and significant volatility in non-interest income, which included a $8.9M loss in 2025Q1.
- While the bank has strengthened its capital position with an equity-to-assets ratio of 0.10 as of 2026Q1, the heavy reliance on a $1.7B investment securities portfolio creates duration risk in a fluctuating rate environment.
- Investors should monitor whether the bank can stabilize its efficiency ratio, which spiked to 83.7% in 2025Q1, before committing to a long-term position.
Verdict Logic
while the forward P/E of 12.44 suggests a reasonable valuation, the persistent 0.9% net interest margin and historical earnings volatility warrant a cautious wait-and-see approach.
EFSI Growth Metrics
Eagle Financial Services, Inc. (EFSI) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years13.39%
5 Years17.53%
3 Years16.14%
TTM-
Profit CAGR
10 Years1.76%
5 Years-5.97%
3 Years-17.3%
TTM225.17%
EPS CAGR
10 Years-2.12%
5 Years-13.43%
3 Years-27.49%
TTM70.05%
Return on Capital
10 Years8.67%
5 Years6.44%
3 Years4.58%
Last Year3.63%
EFSI Recent Earnings
Eagle Financial Services, Inc. (EFSI) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 2/12 qtrs (40%)●Beat Revenue 2/12 qtrs (40%)
Q2 2026Latest
Apr 23, 2026Metric
Actual
Est
EPS
$0.69-19.8%
$0.86
Rev
$21M-1.7%
$21M
Q2 2026
Mar 16, 2026Metric
Actual
Est
EPS
$0.81
—
Rev
$30M
—
Q1 2026
Jan 26, 2026Metric
Actual
Est
EPS
$0.81-6.4%
$0.86
Rev
$22M+6.5%
$20M
Q4 2025
Oct 23, 2025Metric
Actual
Est
EPS
$1.04+30.0%
$0.80
Rev
$22M+7.7%
$20M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 23, 2026 | $0.69vs $0.86-19.8% | $21Mvs $21M-1.7% |
| Q2 2026 | Mar 16, 2026 | $0.81 | $30M |
| Q1 2026 | Jan 26, 2026 | $0.81vs $0.86-6.4% | $22Mvs $20M+6.5% |
| Q4 2025 | Oct 23, 2025 | $1.04vs $0.80+30.0% | $22Mvs $20M+7.7% |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for Eagle Financial Services, Inc. (EFSI)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $40.30 | $218.12M | 25.35 | -1.31% | 7.86% | 5.34% | 2.82% | |
| $23.29 | $224.61M | 15.95 | -9.41% | 16.49% | 8% | — | |
| $43.96 | $283.4M | 11.66 | 6.6% | 20.89% | 12.7% | — | |
| $24.06 | $171.21M | 13.67 | -1.44% | 12.96% | 7.98% | — | |
| $51.75 | $492.63M | 11.50 | -3.87% | 31.77% | 18.18% | — | |
| $49.63 | $2.58B | 14.90 | 10.36% | 19.66% | 9.83% | — |
Compare EFSI vs Peers
Eagle Financial Services, Inc. (EFSI) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
EFSI SEC Filings & Documents
Eagle Financial Services, Inc. (EFSI) SEC filings — annual & quarterly reports (10-K, 10-Q)
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EFSI Frequently Asked Questions
Eagle Financial Services, Inc. (EFSI) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is Eagle Financial Services, Inc. growing?
Eagle Financial Services, Inc. (EFSI) saw revenue decline by 1.3% over the past year.
Is EFSI profitable?
Yes, Eagle Financial Services, Inc. (EFSI) is profitable, generating $18.9M in net income for fiscal year 2025 (7.9% net margin).
Dividend & Returns
Does EFSI pay dividends?
Yes, Eagle Financial Services, Inc. (EFSI) pays a dividend with a yield of 2.82%. This makes it attractive for income-focused investors.
What is EFSI's return on equity?
Eagle Financial Services, Inc. (EFSI) has a return on equity (ROE) of 5.3%. This is below average, suggesting room for improvement.
Industry Metrics
What is Eagle Financial Services, Inc.'s net interest margin?
Eagle Financial Services, Inc. (EFSI) has a net interest margin (NIM) of 3.3%. This indicates healthy earnings from lending activities.
What is Eagle Financial Services, Inc.'s efficiency ratio?
Eagle Financial Services, Inc. (EFSI) has an efficiency ratio of 52.2%. This is excellent, indicating strong cost control.