Is Eagle Financial Services, Inc. (EFSI) Overvalued?
We dive into why Eagle Financial Services, Inc. (EFSI) could be considered overvalued on 2026-08-18, based on AAII’s Value Score and Grade.Tudor Pop
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COMPANY SUMMARY
Eagle Financial Services, Inc. operates as the bank holding company for Bank of Clarke that provides various retail and commercial banking products and services in the United States. It operates through three segments: Community Banking, Marine Lending, and Wealth Management. The company’s deposit products include checking, NOW, money market, and regular savings accounts; and demand and time deposits, as well as other commercial deposit account services, such as ACH origination and remote deposit capture services. Its loan portfolio comprises one-to-four-family residential real estate, commercial real estate, construction and land development, and commercial and industrial loans, marine lending, and consumer lending, as well as secured and unsecured consumer loans, including personal installment loans, personal lines of credit, automobile loans, and credit card loans. In addition, the company offers advisory services and investment products, including individual retirement accounts, mutual funds, tax-deferred annuities, 529 college savings plans, life insurance, long term care insurance, brokerage certificates of deposit, and other brokerage services; non-deposit investment products; and title insurance products. Further, it provides debit cards; fiduciary services; online bill payment services; and telephone, internet, and mobile banking services. It operates through full-service branches, loan production offices, wealth management offices, and drive-through only facility. Eagle Financial Services, Inc. was founded in 1881 and is headquartered in Berryville, Virginia.
Commentary & Analysis
What You Need to Know About Eagle Financial Services, Inc.'s Q3 Earnings
Eagle Financial Services, Inc.'s fiscal Q3 earnings report was released on Thursday, July 23. Let's dive in to see if (EFSI) missed or beat analyst's expectations.Tudor Pop
What You Need to Know About Eagle Financial Services, Inc.'s Q2 Earnings
Eagle Financial Services, Inc.'s fiscal Q2 earnings report was released on Thursday, April 23. Let's dive in to see if (EFSI) missed or beat analyst's expectations.Jenna Brashear
What You Need to Know About Eagle Financial Services, Inc.'s Q1 Earnings
Eagle Financial Services, Inc.'s fiscal Q1 earnings report was released on Monday, January 26. Let's dive in to see if (EFSI) missed or beat analyst's expectations.Omar Beirat
What You Need to Know About Eagle Financial Services, Inc.'s Q4 Earnings
Eagle Financial Services, Inc.'s fiscal Q4 earnings report was released on Thursday, October 23. Let's dive in to see if (EFSI) missed or beat analyst's expectations.Tudor Pop
Financial Summary
| Share Statistics | EFSI | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $226.9 | $751.0 | 28% |
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| Shares Out (Mil) | 5.4 | 15.4 | 14% |
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| Institutional Ownership | 69.7% | 83.2% | 43% |
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| Float (Mil) | 4.1 | 21.8 | 10% |
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| Beta | na | 0.43 | na |
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| Avg Daily Volume (000s) | 40 | 42 | 26% |
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| Price Change (52-week) |
22.1% | 94.6% | 63% |
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| Growth | EFSI | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 9.0% | 7.7% | 54% |
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| Net Income (5yr) | (6.0%) | 11.1% | 33% |
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| EPS (5yr) | (13.5%) | 10.1% | 20 |
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| Dividends (5yr) | 3.6% | 3.6% | 83% |
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| Cash Flow (5yr) | (19.3%) | (17.1%) | 35% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | 2 | 2 | 2 | |
| Current EPS | $0.875 | $3.030 | $3.360 | |
| Month Ago EPS | $0.860 | $3.290 | $3.680 | |
| # Rev Up | 1 | 1 | 0 | |
| # Rev Down | 0 | 0 | 1 | |
| Three Months Ago EPS | $0.920 | $3.310 | $3.675 | |
| Year/Year Chg | (4.9%) | 91.0% | 144.0% | |
| Financials | EFSI | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $83 | $196 | 24% |
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| Net Income (TTM) (Mil) | $19 | $55 | 49% |
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| EPS (TTM) | $3.454 | $2.600 | 80% |
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| Operating Cash Flow (TTM) (Mil) | $9 | $36 | 38% |
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| Net Cash Flow (TTM) (Mil) | ($252) | $2 | 9% |
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| Long-Term Debt (Q1) (Mil) | $39 | $101 | 37% |
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| Enterprise Value (Q1) (Mil) | na | $0 | na |
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| Valuation | EFSI | Industry Median |
Percentile (All Stocks) |
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| P/B | 1.17 | 1.25 | 28% |
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| P/E | 12.3 | 12.5 | 26% |
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| Dividend Yield | 2.9% | 2.2% | 84% |
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| PEG (5yr hist) | na | 1.1 | na |
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| Ratios | EFSI | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | na | 63.7% | na |
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| Net Margin | 22.5% | 29.1% | 81% |
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| ROA | 1.0% | 1.1% | 46% |
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| ROE | 10.0% | 11.3% | 57% |
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| Liabilities to Assets | 89.5% | 89.7% | 85% |
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| F-Score | 4 | 4 | 34% |
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Eagle Financial Services, Inc. did not pass any screens on 8/20/2026.
