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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. In the quarter to June 2026, revenue grew 10.9%, EPS fell 6.12%, free cash flow fell 435.7% and total debt fell 57.4%, each against the same quarter a year earlier. Dividend growth for ten consecutive years; insiders bought in the last twelve months.

45.81 0.06 +0.13%
Market cap
$247.6M
P/E
13.2×
Fwd P/E
12.4×
Dividend yield
—
F-score
5/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 0.13
Total sells 0.02
Totals in millions of $.
Dec 25 Mar 26 Jun 26 Sep 26
Buy — — 1 1 3 — — — — — — —
Sell — 1 — — — 1 — — — — — —
Insider Ownership 15.19%

Capital & Financial Ratios $m

Market Cap 247.58
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 13.24
Fwd P/E 12.40
P/S ratio 2.02
P/B ratio 1.28
Past 5Y EPS Growth (13.43%) (below 0%: weak)
This Y EPS Growth (18.07%) (below 0%: weak)
Next Y EPS Growth 18.87% (at or above 15%: strong)
Next Y revenue growth (24.07%) (below 0%: weak)
Next 5Y EPS Growth 2.96%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 71.32%
10-year low 10-year high
P/S against its own 10 years 40.03%
10-year low 10-year high
P/B against its own 10 years 82.97%
10-year low 10-year high

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 special payouts not included in total or ratios

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%

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.

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

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
Price, $
Price, $ Low 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
High 26.00 33.25 38.20 34.00 32.80 41.50 38.40 36.73 36.93 41.12
People
People Employees 131 128 127 135 195 221 237 151 231 254
Revenue/emp, $m 0.25 0.27 0.31 0.32 0.24 0.24 0.29 0.65 0.49 0.42
Income, $m
Income, $m Revenue 32 35 39 43 47 54 68 98 113 106
Gross margin, % 96.71 96.72 93.52 90.19 93.09 96.89 91.96 66.45 64.48 65.63
EBT 9 11 10 12 13 13 18 11 19 10
EBT margin, % 27.49 32.48 26.58 26.77 28.02 23.68 25.97 10.86 16.74 9.37
Net income 6 8 9 10 11 11 15 9 15 8
Depreciation 1 2 2 2 2 3 3 2 2 1
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
Earnings 1.81 2.24 2.60 2.84 3.27 3.20 4.17 2.66 4.32 1.59
Cash flow 2.76 2.70 (0.44) 3.30 3.22 4.78 3.97 1.95 5.28 4.97
Capex (0.07) (0.11) (0.12) (0.30) (0.11) (0.15) (0.23) (0.29) 1.90 0.01
Free cash flow 2.68 2.60 (0.56) 3.00 3.11 4.63 3.74 1.66 7.18 4.98
Book value 22.57 24.17 25.26 28.01 30.75 32.06 29.21 30.76 33.48 36.47
Shares, m 4 3 3 3 3 3 3 4 4 5
Valuation, ×
Valuation, × P/E 14.09 14.29 11.92 10.93 9.02 10.83 8.62 11.28 8.43 30.62
P/S 2.77 3.16 2.77 2.47 2.12 2.21 1.84 1.08 1.15 1.95
P/B 1.13 1.32 1.23 1.11 0.96 1.08 1.23 0.98 1.09 1.09
EV/Sales 2.29 2.71 2.81 1.92 0.65 1.21 3.86 1.65 0.76 0.55
EV/FCF 7.88 10.57 (55.93) 8.05 2.91 4.09 20.19 27.69 3.36 2.27
Cash, $m
Cash, $m Operating cash flow 10 9 (2) 11 11 16 14 7 19 26
Capex 0 0 0 (1) 0 (1) (1) (1) 7 0
Free cash flow 9 9 (2) 10 11 16 13 6 26 26
Balance, $m
Balance, $m Working capital (56) (63) (85) (98) (104) (135) 83 82 73 72
Total debt — — — — — — 204 194 150 70
Net debt (35) (36) (18) (34) (80) (64) 137 56 (44) (148)
Shareholders’ equity 79 84 88 96 105 110 102 108 119 189
Returns, %
Returns, % ROA 0.94 1.06 1.15 1.16 1.11 0.91 0.99 0.54 0.83 0.44
ROIC 12.64 14.87 9.31 11.54 33.07 17.29 4.62 4.04 15.68 15.05
ROE 8.08 9.54 10.50 10.61 11.09 10.24 13.70 8.91 13.50 5.34
Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

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
FXNC First National Corp. $266.0M 12.3× 12.3× +2.05% (above 0%: growing) +14.29% (above 0%: growing) +60.14% (above 0%: growing) 80.94% 0.00% Compare
FBLA FB Bancorp, Inc. $264.7M — (loss-making) — +8.80% (above 0%: growing) n/m +669.02% (above 0%: growing) 74.66% 0.00% Compare
HWBK Hawthorn Bancshares, Inc. $263.1M 9.9× 10.0× +9.30% (above 0%: growing) +20.45% (above 0%: growing) +123.49% (above 0%: growing) 76.36% 0.00% Compare
GBFH GBank Financial Holdings Inc. $257.6M 13.6× 16.3× +22.90% (above 0%: growing) +15.15% (above 0%: growing) +3,151.19% (above 0%: growing) 68.86% 0.00% Compare
RMBI Richmond Mutual Bancorporation, Inc. $256.9M 12.4× 16.7× +4.69% (above 0%: growing) −14.81% (below 0%: shrinking) −35.05% (below 0%: shrinking) 58.15% 0.00% Compare
BCBP BCB Bancorp, Inc. (NJ) $255.6M — (loss-making) 10.2× −11.64% (below 0%: shrinking) n/m −8.23% (below 0%: shrinking) 57.20% 0.00% Compare
EFSI Eagle Financial Services Inc. $247.6M 13.2× 12.4× +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. $241.2M 11.8× 11.8× +0.90% (above 0%: growing) +1.03% (above 0%: growing) +10.02% (above 0%: growing) 80.61% 0.00% Compare
CMTV Community Bancorp. $234.3M 12.6× — +8.55% (above 0%: growing) +16.67% (above 0%: growing) +17.48% (above 0%: growing) 73.88% 0.00% Compare
Median of peers $257.3M 12.3× 12.1× +6.62% +14.72% +38.81% 74.27% 0.00%

All 323 Banks Regional stocks →

Eagle Financial Services Inc. (EFSI) key facts

  • Concern: Eagle Financial Services Inc.’s revenue for fiscal 2025 (year ended December 2025) was $105.9 million, down 6.19% from fiscal 2024.
  • Eagle Financial Services Inc. (EFSI) is a Banks Regional company in the Financial sector, listed on Nasdaq.
  • As of October 16, 2026, EFSI traded at $45.81, a market capitalization of $247.6 million.
  • Return on equity was 5.34% and debt-to-equity 0.15.
  • Its Piotroski F-score is 5 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.

Eagle Financial Services Inc. (EFSI) Latest News

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