Eagle Financial Services Inc. EFSI

45.72 0.32 0.70% as of 25 Sep
Market cap
$245.7M
P/E
13.2×
Growth Flags show if company had growth for consecutive years,
Insider Buys alert about insiders buying in the last 12 month

Insider Decisions

Total buys 0.13
Total sells 0.23
in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy — — — 1 1 3 — — — — — —
Sell 1 — 1 — — — 1 — — — — —
Insider Ownership 15.19%

Capital & Financial Ratios

Market Cap 245.69
Revenue 122.93
Net Income 18.64
Free Cash Flow 14.26
Net Debt (114.38)
Current Ratio 1.02
Debt/Equity 0.15
P/E ratio 13.21
P/S ratio 2.01
P/B ratio 1.28
Past 5Y EPS Growth 8.75%
This Y EPS Growth (18.07%)
Next Y EPS Growth 18.87%
Next 5Y EPS Growth 3.90%
in millions of $

Dividends

Payout Ratio —
Annual Dividend Rate —
Annual Dividend Yield —
total individual payouts
2028 Powerpack
2027 Powerpack
2026 Powerpack
2025 Powerpack
2023 0.90
0.30
0.30
0.30
2022 1.15
0.28
0.28
0.29
0.30
2021 1.10
0.27
0.27
0.28
0.28
2020 1.04
0.26
0.26
0.26
0.26
2019 1.00
0.24
0.25
0.25
0.26
2018 0.94
0.23
0.23
0.24
0.24
2017 0.88
0.22
0.22
0.22
0.22
2016 0.82
0.20
0.20
0.20
0.22
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

2023 2024 2025 Q'26
Cash 138 193 217 144
Receivables — — — —
Inventory — — — —
Other — — — —
1,588 1,648 1,680 1,631
2023 2024 2025 Q'26
Payables 1,506 1,575 1,607 1,602
ST’ Debt — — — —
Other — — — —
1,506 1,575 1,607 1,602
in millions of $

Compound Annual Growth

10y 5y 3y
Sales 12.39% 17.40% 15.89%
Cash Flow 13.65% 18.53% 23.08%
Earnings 1.76% (5.97%) (17.30%)
Book Value 9.21% 12.44% 22.90%

Revenue

Mar Jun Sep Dec Year
’26 29 33 — — —
’25 15 30 31 30 106
’24 25 26 29 33 113
’23 22 24 26 26 98
’22 15 16 18 19 68
’21 12 13 14 15 54
’20 11 12 12 12 47
in millions of $ · fiscal quarters ending in the months shown

Operating Cash Flow

Mar Jun Sep Dec Year
’26 4 (13) — — —
’25 6 3 8 9 26
’24 7 (2) 8 6 19
’23 0 (2) 15 (6) 7
’22 0 3 2 9 14
’21 4 2 4 7 16
’20 2 2 4 3 11
in millions of $ · fiscal quarters ending in the months shown

Free Cash Flow

Mar Jun Sep Dec Year
’26 4 (8) — — —
’25 6 2 8 10 26
’24 7 (2) 7 14 26
’23 0 (3) 14 (6) 6
’22 0 3 2 8 13
’21 4 2 4 7 16
’20 2 2 4 3 11
in millions of $ · fiscal quarters ending in the months shown

EPS

Mar Jun Sep Dec Year
’26 0.69 0.92 — — —
’25 (1.53) 0.98 1.04 0.81 1.59
’24 0.72 0.89 0.97 1.74 4.32
’23 0.73 0.59 0.66 0.68 2.66
’22 0.94 1.14 1.17 0.92 4.17
’21 0.84 0.87 0.83 0.66 3.20
’20 0.71 0.83 0.99 0.74 3.27
fiscal quarters ending in the months shown

Target Price Range

Analyst price targets

Recommendation Rating

2.3
1Buy 2 3Hold 4 5Sell
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
22.25 25.50 29.50 29.52 21.75 28.60 34.14 28.00 27.02 28.70

Analyst estimates 2026–2028

Powerpack
Low Price
26.00 33.25 38.20 34.00 32.80 41.50 38.40 36.73 36.93 41.12
High Price
131 128 127 135 195 221 237 151 231 254
Employees
0 0 0 0 0 0 0 1 0 0
Revenue/Emp
32 35 39 43 47 54 68 98 113 106
Revenue
96.71% 96.72% 93.52% 90.19% 93.09% 96.89% 91.96% 66.45% 64.48% 65.63%
Gross Margin
9 11 10 12 13 13 18 11 19 10
EBT
27.49% 32.48% 26.58% 26.77% 28.02% 23.68% 25.97% 10.86% 16.74% 9.37%
EBT Margin
6 8 9 10 11 11 15 9 15 8
Net Income
1 2 2 2 2 3 3 2 2 1
Depreciation
9.22 10.13 11.19 12.57 13.90 15.70 19.54 27.78 31.76 20.45
Revenue/Sh
1.81 2.24 2.60 2.84 3.27 3.20 4.17 2.66 4.32 1.59
Earnings/Sh
2.76 2.70 (0.44) 3.30 3.22 4.78 3.97 1.95 5.28 4.97
Cash Flow/Sh
(0.07) (0.11) (0.12) (0.30) (0.11) (0.15) (0.23) (0.29) 1.90 0.01
Capex/Sh
2.68 2.60 (0.56) 3.00 3.11 4.63 3.74 1.66 7.18 4.98
Free CF/Sh
22.57 24.17 25.26 28.01 30.75 32.06 29.21 30.76 33.48 36.47
Book Value/Sh
4 3 3 3 3 3 3 4 4 5
Shares
14.09 14.29 11.92 10.93 9.02 10.83 8.62 11.28 8.43 30.62
PE Ratio
2.77 3.16 2.77 2.47 2.12 2.21 1.84 1.08 1.15 1.95
PS Ratio
1.13 1.32 1.23 1.11 0.96 1.08 1.23 0.98 1.09 1.09
PB Ratio
2.29 2.71 2.81 1.92 0.65 1.21 3.86 1.65 0.76 0.55
EV/Sales
7.88 10.57 (55.93) 8.05 2.91 4.09 20.19 27.69 3.36 2.27
EV/FCF
10 9 (2) 11 11 16 14 7 19 26
Op' Cash Flow
0 0 0 (1) 0 (1) (1) (1) 7 0
Capex
9 9 (2) 10 11 16 13 6 26 26
FCF
(56) (63) (85) (98) (104) (135) 83 82 73 72
Working Cap'
— — — — — — 204 194 150 70
Total Debt
(35) (36) (18) (34) (80) (64) 137 56 (44) (148)
Net Debt
79 84 88 96 105 110 102 108 119 189
Sh' Equity
0.94% 1.06% 1.15% 1.16% 1.11% 0.91% 0.99% 0.54% 0.83% 0.44%
ROA
12.64% 14.87% 9.31% 11.54% 33.07% 17.29% 4.62% 4.04% 15.68% 15.05%
ROIC
8.08% 9.54% 10.50% 10.61% 11.09% 10.24% 13.70% 8.91% 13.50% 5.34%
ROE
predictions in italic, sparklines do not include predictions

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Eagle Financial Services Inc. peers in Banks Regional

All 325 Banks Regional stocks →

Eagle Financial Services Inc. (EFSI) key facts

  • Eagle Financial Services Inc. (EFSI) is a Banks Regional company in the Financial sector, listed on Nasdaq.
  • Eagle Financial Services Inc.’s revenue for fiscal 2025 (year ended December 2025) was $105.9 million, down 6.19% from fiscal 2024.
  • As of September 25, 2026, EFSI traded at $45.72, a market capitalization of $245.7 million.
  • Return on equity was 5.34% and debt-to-equity 0.15.

Source: company filings (standardised) and stockrow calculations.

Eagle Financial Services Inc. (EFSI) Latest News

News by impact score

Fine-tune

9 Sep

4

Eagle Financial Services Inc. agrees to $253m all-stock merger with John Marshall. All-stock merger delivers major strategic expansion and alters company trajectory.

4

Eagle Financial Services Inc. combines with another Virginia bank in a $253 million merger deal. Merger constitutes major strategic expansion that alters company scale and market position.

8 Sep

4

Eagle Financial Services Inc. signed a merger deal with John Marshall Bancorp. Merger agreement with John Marshall Bancorp constitutes a major strategic move that will alter Eagle Financial Services' scale, operations and market position.

4

John Marshall Bancorp, Inc. and Eagle Financial Services, Inc. announce strategic merger uniting two of Virginia’s leading community banks. Strategic merger with John Marshall Bancorp represents major move likely to significantly alter EFSI trajectory.

24 Jul

3

Eagle Financial Services Inc reported strong loan growth in its Q2 2026 earnings call. Strong loan growth signals moderately improved financial performance and market positioning for EFSI.

3 transcript

Eagle Financial Services Inc. held Q2 earnings call covering financial results, operational updates and management outlook. Quarterly earnings call delivers financial metrics and guidance that can shift near-term investor sentiment.

3

Eagle Financial Services, Inc. (EFSI) reported a record net income of $5.3 million for Q2 2025, with earnings per share of $0.98, driven by increased net interest income and gains on loan sales. The company announced a quarterly dividend of $0.31 per share. Key highlights include a 17.7% increase in net interest income to $15.7 million, a decrease in FHLB borrowings by $25 million, and a reduction in the efficiency ratio from 72.20% to 64.91%. Total assets rose to $2.04 billion, with significant deposit growth. Nonperforming assets increased to $17.5 million, primarily due to loans placed on nonaccrual status. The company completed a public offering, raising $53.5 million, and remains well-capitalized under regulatory standards. The financial results show moderate improvement in key metrics, but the increase in nonperforming assets and reliance on nonrecurring gains may limit long-term impact.

23 Jul

3

Eagle Financial Services Inc. (EFSI) reported second quarter 2026 financial results and declared a quarterly dividend. Quarterly earnings and dividend announcements typically provide moderate insight into financial health without altering long-term trajectory.

28 Apr

3

Eagle Financial Services Inc. (EFSI) emerges as an undervalued small-cap stock featuring insider buying activity in April 2026, signaling potential investment opportunity amid broader small-cap exploration. Insider buying in an undervalued small cap moderately boosts investor sentiment and stock visibility without fundamentally altering operations.

27 Apr

3

Eagle Financial Services Inc. (EFSI) Q1 earnings call highlights financial results, loan growth, deposit increases, net interest margin expansion, and optimistic outlook amid economic challenges. Q1 earnings highlights detail financial performance and operational metrics that moderately influence investor sentiment and stock trajectory.

23 Apr

3

Eagle Financial Services Inc. (EFSI) announced first quarter 2026 financial results and declared a quarterly dividend. Quarterly financial results and dividend declaration affect key financial performance and investor sentiment but represent routine operations.

29 Jan

3

Eagle Financial Services Inc. (EFSI) has announced a dividend payment of $0.31 per share. This dividend reflects the company's ongoing commitment to returning value to its shareholders. The payment is scheduled for distribution to shareholders on record as of the specified date, reinforcing EFSI's financial stability and growth potential. The dividend payment indicates financial health but is a routine action that does not significantly alter the company's trajectory.

28 Jan

3

Eagle Financial Services Inc. (EFSI) investors are cautioned against purchasing shares for the upcoming dividend without thorough checks. Key considerations include the company's financial health, dividend sustainability, and market conditions that could impact future performance. Potential investors should evaluate these factors to avoid unexpected risks. Concerns about dividend sustainability and financial health may moderately influence investor sentiment and future performance.

27 Jan

4 transcript

Eagle Financial Services Inc. reported its Q4 earnings, highlighting significant growth in revenue and net income compared to the previous year. The company attributed this success to increased loan demand and improved operational efficiency. Management provided optimistic guidance for the upcoming year, anticipating continued growth driven by strategic investments and market expansion. Key performance indicators showed a strong balance sheet and enhanced customer engagement, positioning EFSI favorably in a competitive landscape. Significant growth in revenue and optimistic future guidance indicate a major strategic move that could alter the company's trajectory.

26 Jan

4

Eagle Financial Services, Inc. (EFSI) reported its financial results for the fourth quarter of 2025, highlighting key metrics such as revenue, net income, and earnings per share. The company experienced growth in several areas, attributed to strategic initiatives and market conditions. Management expressed optimism about future performance and outlined plans for continued expansion and investment in technology. Overall, the results reflect a positive trajectory for EFSI as it navigates the competitive landscape. The financial results indicate significant growth and strategic initiatives that could alter the company's future trajectory.

21 Jan

3

Eagle Financial Services, Inc. (EFSI) has declared a quarterly dividend and announced the release date for its fourth quarter earnings for 2025. The dividend reflects the company's ongoing commitment to returning value to shareholders. The earnings report is anticipated to provide insights into the company's financial performance and strategic direction. The dividend announcement and upcoming earnings report may influence investor sentiment and provide insights into EFSI's financial health.

26 Dec

3

Eagle Financial Services Inc. (EFSI) has delivered a 10% compound annual growth rate (CAGR) to its shareholders over the past five years, reflecting consistent financial performance and shareholder value creation. The company's strategic initiatives and market positioning have contributed to this growth, indicating a positive outlook for future performance. The 10% CAGR suggests a moderately noticeable influence on financial performance and investor sentiment.

24 Nov

3

Insiders at Eagle Financial Services Inc. (EFSI) have purchased a total of US$596.9k worth of stock, indicating their confidence in the company's future performance. This significant investment by insiders may reflect their belief in the company's growth potential and could influence market sentiment positively. Insider buying can signal confidence in the company's future, potentially affecting market sentiment and stock performance.

28 Oct

3

Eagle Financial Services Inc. (NASDAQ:EFSI) has announced a dividend of $0.31 per share, reflecting its commitment to returning value to shareholders. This dividend is part of the company's ongoing strategy to enhance shareholder returns and maintain a strong financial position. The dividend announcement indicates a stable financial performance, which may positively influence investor sentiment but is not expected to significantly alter the company's trajectory.

25 Oct

3

Eagle Financial Services Inc. (EFSI) is facing challenges as margin declines threaten its bullish profit growth narrative. Despite positive profit growth projections, the company's shrinking margins raise concerns about its financial health and future performance. Investors are urged to consider these margin pressures when evaluating EFSI's outlook. Declining margins could moderately affect EFSI's financial performance and investor sentiment.

23 Oct

3

Eagle Financial Services, Inc. (EFSI) reported its financial results for the third quarter of 2025, highlighting a steady performance with increased revenues and net income compared to the previous quarter. The company also announced a quarterly dividend, reflecting its commitment to returning value to shareholders. Management expressed optimism about future growth prospects and ongoing strategic initiatives aimed at enhancing operational efficiency. The financial results and dividend announcement indicate a stable performance, but do not suggest any major shifts in the company's trajectory.

16 Sep

3

Retail investors hold 40% of Eagle Financial Services, Inc. (NASDAQ:EFSI), while institutional investors account for 39% of the company's ownership. This distribution highlights a significant interest from retail investors in EFSI, indicating a potentially strong retail base supporting the company's stock. The ownership distribution suggests a moderately noticeable influence on market sentiment and investor dynamics.

15 Aug

4

Eagle Financial Services Inc. (EFSI) reported its second quarter 2025 earnings, surpassing analysts' expectations. The company demonstrated strong financial performance, driven by increased revenue and effective cost management strategies. EFSI's growth in key segments contributed to a positive outlook for the remainder of the year, bolstering investor confidence. Surpassing earnings expectations and demonstrating strong financial performance is likely to significantly impact future market sentiment and company trajectory.

4 Aug

3

Eagle Financial Services Inc. (EFSI) is being evaluated by value investors for potential stock purchases. Analysts are considering the company's financial health, market position, and growth prospects. Current market conditions and EFSI's performance metrics are influencing investor sentiment. The stock's valuation appears attractive, prompting discussions about its future potential in the financial services sector. EFSI's financial metrics and market conditions suggest a moderate influence on its future performance.

31 Jul

3

Eagle Financial Services Inc. (EFSI) investors are cautioned against purchasing shares for the upcoming dividend without conducting thorough checks. Concerns regarding the company's financial health and sustainability of its dividend payments are highlighted, suggesting that potential investors should assess various factors before making investment decisions. Concerns about financial health and dividend sustainability may moderately influence investor sentiment and future performance.

22 Jul

4

Eagle Financial Services Inc. (EFSI) is highlighted among three growth companies with high insider ownership, projected to experience earnings growth of up to 112%. This significant growth is attributed to strong management confidence and strategic initiatives that align with market trends. The article emphasizes the importance of insider ownership as a positive indicator for potential investors, suggesting that such alignment between management and shareholders can lead to enhanced company performance. High insider ownership and projected earnings growth indicate significant confidence in EFSI's future performance.

3

Eagle Financial Services Inc. (EFSI) is highlighted as one of three growth stocks with significant insider ownership, indicating strong confidence from executives and board members in the company's future performance. Insider ownership can often signal alignment of interests between management and shareholders, potentially leading to better decision-making and long-term growth. The article emphasizes the importance of such ownership in assessing the potential for stock appreciation and overall company stability. Insider ownership suggests confidence in EFSI's future, which may positively influence market sentiment and performance.

19 Jul

3

Eagle Financial Services Inc. (EFSI) has delivered a solid 52% return to its investors over the past five years, reflecting the company's stable performance and growth in the financial sector. This positive return highlights the effectiveness of EFSI's strategies and its resilience in navigating market challenges, making it an attractive option for current and potential investors. The 52% return indicates a moderately positive influence on investor sentiment and financial performance, but it does not suggest a transformative change in the company's trajectory.

17 Jul

4

Eagle Financial Services Inc. (EFSI) is highlighted as one of the top growth companies for July 2025, showcasing strong insider ownership. This ownership indicates confidence from executives and board members in the company's future performance. The article emphasizes the importance of insider ownership as a positive signal for investors, suggesting that EFSI is well-positioned for growth in the coming years. Strong insider ownership typically correlates with positive future performance and investor confidence.

11 Jul

4

Eagle Financial Services Inc. (EFSI) is highlighted among top growth companies with notable insider ownership as of July 2025. The article emphasizes the significance of insider ownership in driving investor confidence and potential growth. EFSI's strategic initiatives and strong management team are noted as key factors contributing to its positive outlook in the financial services sector. The company's performance metrics and market positioning suggest a promising trajectory, attracting attention from investors seeking growth opportunities. EFSI's insider ownership and strategic initiatives are likely to significantly influence its future performance and investor sentiment.

stockrow.com/EFSI · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com