EFSI
Financial ServicesEagle Financial Services, Inc.
$39.35
$-0.09 (-0.23%)
Jan 5, 2026
Price History (1Y)
Analysis
Eagle Financial Services, Inc. (EFSI) is a regional bank operating in the financial services sector. With a market capitalization of $211.56 million and revenue of $66.12 million over the trailing twelve months (TTM), the company has a relatively modest scale compared to larger financial institutions. EFSI employs 249 individuals, which suggests a smaller operational footprint. The company's financial health is characterized by moderate profitability. Its gross margin is at 0.0%, while its operating and profit margins stand at 33.3% and 15.2%, respectively. In terms of returns on equity and assets, EFSI generates a return on equity (ROE) of 6.6% and a return on assets (ROA) of 0.5%. The company's balance sheet shows that it has $269.26 million in cash reserves against debt of $80.88 million. In terms of valuation context, EFSI's price to earnings ratio is 15.74 over the TTM, while its forward P/E stands at 10.49. Revenue growth over the year has been significant, with a YoY increase of 26.0%. Earnings growth has also been positive, albeit at a lower rate of 7.7% YoY. The company offers a dividend yield of 314.0%, but its payout ratio is relatively low at 49.6%.
This analysis is AI-generated for informational purposes only and should not be considered financial advice. Data may be delayed or inaccurate. Always do your own research and consult a qualified financial advisor before making investment decisions.
About Eagle Financial Services, Inc.
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 fiduciary services; 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; 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.
Visit website →Key Statistics
- Market Cap
- $211.56M
- P/E Ratio
- 15.74
- 52-Week High
- $41.12
- 52-Week Low
- $28.70
- Avg Volume
- 11.76K
- Beta
- 0.20
- Dividend Yield
- 314.00%
Company Info
- Industry
- Banks - Regional
- Exchange
- NCM
- Country
- United States
- Employees
- 249