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Eagle Financial Services Inc.

EFSI Financial Banks Regional

Eagle Financial Services Inc.’s revenue for fiscal 2025 (year ended December 2025) was $105.9 million, down 6.19% from fiscal 2024.

Revenue
+10.9%
EPS
−6.12%
Free cash flow
−435.7%
Total debt
−57.4%

Quarter to June 2026, against a year earlier

45.70 0.36 +0.79%
Market cap
$245.4M
P/E
13.1×
Fwd P/E
14.4×
Dividend yield
—
F-score
5/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 0.13
Sold, $m 0.02
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — 1 1 3 — — — — — — — —
Sell 1 — — — 1 — — — — — — —
Insider Ownership 15.19%

Capital & Financial Ratios $m

Size
Market Cap 245.44
Revenue ttm 122.93
Net income ttm 18.64
Free cash flow ttm 14.26
Net debt Q (114.38)
Valuation
P/E 13.10
Forward P/E 14.40
Price / sales 1.99
Forward P/S Powerpack
Price / FCF 17.20
Price / book 1.26
Financial health
Current ratio Q 1.02
Debt / equity Q 0.15
Interest coverage Q —
Growth
Revenue growth Q +10.87% (above 0%: growing)
Operating income growth Q −0.34% (below 0%: shrinking)
EPS, this year −18.07% (below 0%: weak)
EPS, next year A +18.87% (at or above 15%: strong)
Revenue, next year A −24.07% (below 0%: weak)
EPS, past 5 yrs −13.43% (below 0%: weak)
EPS, next 5 yrs A +2.96%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 69.67%
10-year low 10-year high
P/S against its own 10 years 37.55%
10-year low 10-year high
P/B against its own 10 years 80.67%
10-year low 10-year high

Dividends

Yield
—
Annual rate
—
Payout ratio
—
Growth, 2016–25
−100.0%/yr
  1. 0.82 ’16
  2. 0.88 ’17 +7
  3. 0.94 ’18 +7
  4. 1.00 ’19 +6
  5. 1.04 ’20 +4
  6. 1.10 ’21 +6
  7. 1.15 ’22 +5
  8. 0.90 ’23 −22
  9. 0.00 ’25 −100
paid change on the year, % Powerpack

Assets vs Liabilities $m

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

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%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 0.83 Actual 0.93

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q2 FY25 0.82 0.98 Beat by 0.16
Q1 FY26 0.86 0.69 Miss by 0.17
Q2 FY26 0.74 0.41 Miss by 0.33
Q3 FY26 0.83 0.93 Beat by 0.10
Q4 FY26 0.78 — Reports 25 January 2027

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.

Revenue $m

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
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

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
Fiscal quarters ending in the months shown.

Free Cash Flow $m

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
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

2.3
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Jun ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 32 35 39 43 47 54 68 98 113 106 123 +14.0% 80 83 72 (12.2%)
Gross margin, % 96.71 96.72 93.52 90.19 93.09 96.89 91.96 66.45 64.48 65.63 73.61 (31.1) pt
EBT 9 11 10 12 13 13 18 11 19 10 24 +1.2%
EBT margin, % 27.49 32.48 26.58 26.77 28.02 23.68 25.97 10.86 16.74 9.37 19.20 (18.1) pt
Net income 6 8 9 10 11 11 15 9 15 8 19 +2.9%
Per share, $
Per share, $ Revenue 9.22 10.13 11.19 12.57 13.90 15.70 19.54 27.78 31.76 20.45 22.71 +9.3%
Earnings 1.81 2.24 2.60 2.84 3.27 3.20 4.17 2.66 4.32 1.59 3.46 (1.4%)
Cash flow 2.76 2.70 (0.44) 3.30 3.22 4.78 3.97 1.95 5.28 4.97 1.69 +6.8%
Capex (0.07) (0.11) (0.12) (0.30) (0.11) (0.15) (0.23) (0.29) 1.90 0.01 0.94 n/m
Free cash flow 2.68 2.60 (0.56) 3.00 3.11 4.63 3.74 1.66 7.18 4.98 2.64 +7.1%
Book value 22.57 24.17 25.26 28.01 30.75 32.06 29.21 30.76 33.48 36.47 35.83 +5.5%
Shares, m 4 3 3 3 3 3 3 4 4 5 5 +4.4%
Valuation, ×
Valuation, × P/E 14.09 14.29 11.92 10.93 9.02 10.83 8.62 11.28 8.43 30.62 13.10 13.0
P/S 2.77 3.16 2.77 2.47 2.12 2.21 1.84 1.08 1.15 1.95 1.99 2.2
P/B 1.13 1.32 1.23 1.11 0.96 1.08 1.23 0.98 1.09 1.09 1.26 1.1
EV/Sales 2.29 2.71 2.81 1.92 0.65 1.21 3.86 1.65 0.76 0.55 — 1.8
EV/FCF 7.88 10.57 (55.93) 8.05 2.91 4.09 20.19 27.69 3.36 2.27 — 3.1
Cash, $m
Cash, $m Operating cash flow 10 9 (2) 11 11 16 14 7 19 26 9 +11.5%
Capex 0 0 0 (1) 0 (1) (1) (1) 7 0 5 n/m
Free cash flow 9 9 (2) 10 11 16 13 6 26 26 14 +11.8%
Balance, $m
Balance, $m Working capital (56) (63) (85) (98) (104) (135) 83 82 73 72 29 n/m
Net debt (35) (36) (18) (34) (80) (64) 137 56 (44) (148) (114) +17.2%
Shareholders’ equity 79 84 88 96 105 110 102 108 119 189 194 +10.1%
Returns, %
Returns, % ROA 0.94 1.06 1.15 1.16 1.11 0.91 0.99 0.54 0.83 0.44 0.96 (0.5) pt
ROIC 12.64 14.87 9.31 11.54 33.07 17.29 4.62 4.04 15.68 15.05 18.55 +2.4 pt
ROE 8.08 9.54 10.50 10.61 11.09 10.24 13.70 8.91 13.50 5.34 9.98 (2.7) pt
People
People Employees 131 128 127 135 195 221 237 151 231 254 — +7.6%
Revenue/emp, $m 0.25 0.27 0.31 0.32 0.24 0.24 0.29 0.65 0.49 0.42 — +6.0%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Eagle Financial Services Inc. vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
FBLA FB Bancorp, Inc. $268.4M — (loss-making) — +8.80% (above 0%: growing) n/m +669.02% (above 0%: growing) 74.66% 0.00% Compare
RMBI Richmond Mutual Bancorporation, Inc. $262.8M 12.6× 16.7× +4.69% (above 0%: growing) −14.81% (below 0%: shrinking) −35.05% (below 0%: shrinking) 58.15% 0.00% Compare
NKSH National Bankshares, Inc. $251.1M 12.4× 11.4× +6.17% (above 0%: growing) +119.44% (above 0%: growing) +118.57% (above 0%: growing) 71.02% 0.00% Compare
CMTV Community Bancorp. $248.3M 14.1× — +8.55% (above 0%: growing) +16.67% (above 0%: growing) +17.48% (above 0%: growing) 73.88% 0.00% Compare
EFSI Eagle Financial Services Inc. $245.4M 13.1× 14.4× +10.87% (above 0%: growing) −6.12% (below 0%: shrinking) −435.67% (below 0%: shrinking) 77.54% 0.00%
PEBK Peoples Bancorp of North Carolina, Inc. $236.0M 10.4× 11.8× +1.75% (above 0%: growing) +53.76% (above 0%: growing) +91.79% (above 0%: growing) 80.53% 0.00% Compare
CFBK CF Bankshares Inc. $234.1M 11.9× 9.6× −0.68% (below 0%: shrinking) +18.18% (above 0%: growing) −35.84% (below 0%: shrinking) 52.15% 0.00% Compare
CZWI Citizens Community Bancorp, Inc. $227.4M 18.2× 15.0× −2.75% (below 0%: shrinking) −66.67% (below 0%: shrinking) +1,134.94% (above 0%: growing) 65.38% 0.00% Compare
INBK First Internet Bancorp $225.1M 15.1× 11.6× +49.36% (above 0%: growing) n/m −20.56% (below 0%: shrinking) 49.24% 0.00% Compare
Median of peers $242.2M 12.6× 11.7× +5.43% +17.43% +54.64% 68.20% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 8 April 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 1.12m 1.15m 124.39
2024 1.03m 1.05m 109.51
2023 795.22k 708.85k 86.68

Ownership

Directors and executive officers, together 7.12%
Fourthstone LLC 8.39%
Wellington Management Group LLP 6.20%
James R. Wilkins, Jr. 6.10%
Vanguard Group Inc. 5.67%
BlackRock Inc. 5.16%
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

Eagle Financial Services Inc. (EFSI) Latest News

24 Oct

Impact 3 · · Simply Wall St.

22 Oct

Impact 3 · · Zacks

9 Sep

Impact 4 · · retailbankerinternational.com
Impact 4 · · bankingdive.com

8 Sep

Impact 4 ·
Impact 4 ·

24 Jul

Impact 3 ·
Impact 3 · · MarketBeat transcript
Impact 3 · · PR Newswire

23 Jul

Impact 3 ·

28 Apr

Impact 3 · · Simply Wall St.

27 Apr

Impact 3 · · MarketBeat

23 Apr

Impact 3 · · PR Newswire

29 Jan

Impact 3 · · Simply Wall St.

28 Jan

Impact 3 · · Simply Wall St.

27 Jan

Impact 4 · · MarketBeat transcript

26 Jan

Impact 4 · · PR Newswire

21 Jan

Impact 3 · · PR Newswire

26 Dec

Impact 3 · · Simply Wall St.Simply Wall St.

24 Nov

Impact 3 · · Simply Wall St.

28 Oct

Impact 3 · · Simply Wall St.

25 Oct

Impact 3 · · Simply Wall St.

23 Oct

Impact 3 ·

16 Sep

Impact 3 ·

15 Aug

Impact 4 · · Simply Wall St.

4 Aug

Impact 3 · · Zacks

31 Jul

Impact 3 ·

22 Jul

Impact 4 ·
Impact 3 ·

19 Jul

Impact 3 ·
stockrow.com/EFSI · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com