Eagle Financial Services Inc (EFSI)

Eagle Financial Services, Inc. is the bank holding company for Bank of Clarke and is listed on NASDAQ as common stock. Through its banking and wealth-related businesses, the company serves retail and commercial customers in the United States. Its operations are organized into three segments: Community Banking, Marine Lending, and Wealth Management.

The banking business includes deposit products such as checking, NOW, money market, and regular savings accounts, along with demand and time deposits and related commercial deposit services. Eagle Financial Services also provides a range of lending activities, including residential real estate, commercial real estate, construction and land development, commercial and industrial, marine, and consumer loans. In addition, it offers advisory and investment-related services, fiduciary services, title insurance products, debit cards, and digital banking tools such as online bill payment, telephone banking, internet banking, and mobile banking. The company was founded in 1881 and is headquartered in Berryville, Virginia.


Jump directly to the stock analysis sections supported by the latest available data.

Data update note: Fair value and stock analysis metrics are updated after regular market sessions when new data becomes available.
Ticker Fair Value Fair Value Upside/Downside Fair Value Rating Analyst Price Target Analyst Target Upside/Downside Analyst Target Rating Overall Financial Health Dividend Yield Next Earnings Date P/E Ratio Price-to-Book Ratio Price-to-Sales Ratio Market Cap Total Debt / Total Capital Free Float / Shares Outstanding Altman Z-Score Payout Ratio Free Cash Flow / Net Income
NASDAQ-EFSI
$45.27
-2.2% Downside
Fair
$44.33
-4.2% Downside
Fair
Fair
2.7%
October 23, 2026
13.0x
1.3x
2.9x
246.7 M
14.0%
77.9%
-1.5
35.9%
43.3%
Valuation • Fair Value

Eagle Financial Services Inc (NASDAQ-EFSI) Fair Value by Valuation Model

Review the available estimates for Eagle Financial Services Inc (NASDAQ-EFSI), including Ben Graham Formula Value, DDM Fair Value, Comps Fair Value.

Primary Valuation Read

Fair Value

$45.27

Estimated downside of 2.2% versus the current market price.

Fair Value Confidence

High

Confidence level for the primary fair value estimate.

Ben Graham Formula Value

$38.84

Classic Ben Graham valuation formula reference.

DDM Fair Value

$55.47

Dividend discount model valuation reference.

Comps Fair Value

$38.47

Comparable-company valuation reference.

Analyst Price Target

$44.33

Analysts imply downside of 4.2%.

How to read these valuation models

Use the 6 available valuation references for Eagle Financial Services Inc (NASDAQ-EFSI) as analytical inputs, not a standalone conclusion. Valuation methods can differ because they rely on different assumptions, time horizons and financial inputs; compare the estimates with the current price and the company’s financial quality.

Profitability • Growth

Profitability & Growth for Eagle Financial Services Inc (NASDAQ-EFSI)

Review the profitability and growth indicators currently supported by the latest data.

Revenue

82.958 M

Current operating scale indicator.

Revenue Forecast

87.3 M

Forward revenue estimate.

EBITDA

0 K

Current operating profitability reference.

How to read profitability and growth

This section helps investors review Eagle Financial Services Inc (NASDAQ-EFSI) from an operating perspective by combining current scale, forward revenue expectations and EBITDA-related profitability measures.

Quality • Risk

Quality & Financial Risk for Eagle Financial Services Inc (NASDAQ-EFSI)

Review the financial quality and risk indicators currently supported by the latest data.

Financial Health

Fair

Mixed or neutral financial-health read.

Piotroski Score

6

Mid-range quality score.

Altman Z-Score

-1.5

Lower score that deserves closer risk review.

FCF / Net Income

43.3%

Cash conversion quality indicator.

How to read quality and risk

This section combines quality, balance-sheet and accounting-risk indicators for Eagle Financial Services Inc (NASDAQ-EFSI). Read the metrics together: no single score is a complete investment conclusion, but the combined view can highlight financial strength, earnings quality and areas that may deserve closer review.

Events • Dividends

Upcoming Events & Dividends for Eagle Financial Services Inc (NASDAQ-EFSI)

Track the upcoming dates and dividend metrics currently supported by the latest data.

Next Earnings Date

October 23, 2026

Days to Earnings

31

Dividend Yield

2.7%

Current income yield reference.

Payout Ratio

35.9%

Dividend payout reference.

How to read events and dividends

This section helps investors track time-sensitive items for Eagle Financial Services Inc (NASDAQ-EFSI), including the next earnings date and dividend-related milestones. These items can matter for short-term volatility, income planning and event-driven positioning.

Stock Forecast • Technical Outlook

Eagle Financial Services Inc (NASDAQ-EFSI) Stock Forecast & Technical Outlook

Review Eagle Financial Services Inc (NASDAQ-EFSI) across multiple technical time frames, alongside analyst recommendation data, to form a faster read on market positioning and near-term sentiment.

Technical Signals by Time Frame

Switch between time frames to review the current technical signal for the stock.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 15-minute • intraday
Buy

The 15-minute technical read for Eagle Financial Services Inc (NASDAQ-EFSI) is currently Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 1-hour • short-term
Strong Buy

The 1-hour technical read for Eagle Financial Services Inc (NASDAQ-EFSI) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: daily • daily
Strong Buy

The daily technical read for Eagle Financial Services Inc (NASDAQ-EFSI) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: weekly • weekly
Strong Buy

The weekly technical read for Eagle Financial Services Inc (NASDAQ-EFSI) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: monthly • monthly
Strong Buy

The monthly technical read for Eagle Financial Services Inc (NASDAQ-EFSI) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Analyst Consensus for Eagle Financial Services Inc (NASDAQ-EFSI)

A consolidated view of buy, hold and sell recommendations based on the currently available analyst data.

Strong Sell Sell Neutral Buy Strong Buy
Consolidated analyst recommendation mix
Hold

Based on the available recommendation mix, Eagle Financial Services Inc (NASDAQ-EFSI) has a Hold consensus, with 0 buy, 2 hold and 0 sell recommendations in the current data set.

Buy 0
Hold 2
Sell 0
FAQ Fast Investor Answers

Eagle Financial Services Inc (NASDAQ-EFSI) Stock FAQ

Data-supported answers about Eagle Financial Services Inc (NASDAQ-EFSI), including explicit coverage status where a reliable valuation estimate is not currently available.

Fair Value
$45.27
Estimated downside 2.2%
Valuation Rating
Overvalued
Estimated downside of 2.2%
Analyst Target
$44.33
Implied downside 4.2%
Financial Health
Fair
Current financial-health read

The current fair value estimate for Eagle Financial Services Inc (NASDAQ-EFSI) is $45.27. This implies an estimated downside of 2.2% versus the current market price.

Based on the current fair value estimate, the stock appears overvalued, with estimated downside of 2.2% versus the current market price.

The available analyst price target for Eagle Financial Services Inc (NASDAQ-EFSI) is $44.33. The analyst target implies estimated downside of 4.2%.

The current financial health read for Eagle Financial Services Inc (NASDAQ-EFSI) is Fair. This should be reviewed alongside valuation, profitability, debt and cash-flow quality metrics.

The next earnings date currently listed for Eagle Financial Services Inc (NASDAQ-EFSI) is October 23, 2026.

Based on the current data, dividend yield is 2.7%.

The current P/E ratio listed for Eagle Financial Services Inc (NASDAQ-EFSI) is 13.0x. Use it together with growth, margins and sector comparisons rather than as a standalone valuation signal.

The current market capitalization listed for Eagle Financial Services Inc is 246.7 M.

The ticker symbol for Eagle Financial Services Inc is NASDAQ-EFSI, and the stock is listed on NASDAQ.

Eagle Financial Services Inc (NASDAQ-EFSI) is listed on NASDAQ.

The current debt-to-total-capital ratio listed for Eagle Financial Services Inc is 14.0%, which helps investors evaluate the company’s financing structure and leverage profile.

The free float listed for Eagle Financial Services Inc is 77.9%. Free float helps investors understand how much of the share base is available for public trading.