Eagle Financial Services, Inc.

Eagle Financial Services, Inc.

EFSI
Eagle Financial Services, Inc.US flagNASDAQ Capital Market
39.70
USD
-0.33
- -
214.87MMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
8.39
8.41
8.11
8.64
9.54
9.97
10.84
12.68
14.8
17.59
17.93
18.24
12.83
15.29
Basic EPS, GAAP
2.11
2.08
1.97
1.81
2.24
2.6
2.84
3.27
3.2
4.17
2.66
4.32
1.59
3.51
Free Cash Flow per Basic Share
1.98
1.25
1.23
2.68
2.59
-0.56
2.92
3.09
4.63
3.73
1.65
5
4.7
4.3
Dividend per Share
0.56
0.57
0.59
0.67
0.76
0.8
0.87
0.94
0.95
1.09
1.2
1.21
1.18
1.24
Book Value per Share
16.08
17.25
18.12
18.98
20.55
22.29
24.28
26.63
28.55
31.27
31.87
34.55
24.98
24.41
Tangible Book Value per Share
19.57
21.3
22.34
22.57
24.11
25.3
28.03
30.75
32.02
29.21
30.81
33.5
36.47
35.34
Basic Weighted Avg Shares
3
3
4
4
3
3
3
3
3
3
4
4
5
5
Sales/Revenue/Turnover
28
29
28
30
33
35
37
43
51
61
63
65
66
82
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
1
1
1
1
1
1
1
1
1
1
1
1
1
1
Net Income, GAAP
7
7
7
6
8
9
10
11
11
15
9
15
8
19
Effective Tax Rate (%)
25.02
22.46
26.08
28.61
31.77
12.74
15.65
16.05
13.81
17.83
12
18.82
17.24
19.87
Profit Margin (%)
25.15
24.74
24.28
20.95
23.47
26.08
26.2
25.78
21.62
23.71
14.83
23.69
12.36
22.98
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
29
47
20
- -
- -
- -
4
4
- -
204
174
125
70
30
Total Equity
66
73
78
79
84
88
96
105
110
102
108
119
189
190
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
13.71
12.55
11.25
9.78
11.27
12.12
12.15
12.81
11.64
14.01
8.47
13.07
6.52
15.1

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
70
70
30
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
5
5
5
Market Capitalization
179
206
188

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
227
146
225
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
10.29%
14.45%
58.71%
Free Cash Flow
-39.42%
44.03%
37.23%
Net Income, GAAP
6.54%
2.47%
-46.46%
Sales/Revenue/Turnover
9.05%
9.21%
2.6%
Total Cash Common Dividend
11.97%
14.72%
42.15%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
15
16
17
17
65
2025
4
20
22
20
66
2026
20
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.72
0.9
0.96
1.74
4.32
2025
-1.53
0.98
1.04
0.81
1.59
2026
0.69
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.3
0.3
0.3
0.31
1.21
2025
0.24
0.31
0.31
0.31
1.18
2026
0.31
- -
- -
- -
- -

Company Description

APIChat
CEO
Brandon Craig Lorey
Full Time Employees
225
Sector
Financial Services
Industry
Banks - Regional
Address
2 East Main Street Berryville VA United States of America 22611
IPO Date
Jul 5, 2001
Business
Eagle Financial Services, Inc. (EFSI) is a bank holding company that owns Bank of Clarke, a community-focused financial institution providing retail and commercial banking, marine lending, and wealth management services primarily in Virginia and Maryland; its core offerings include deposit products such as checking, NOW, money market, regular savings, demand and time deposits, along with commercial services like ACH origination and remote deposit capture; loan products encompassing one-to-four-family residential real estate, commercial real estate, construction and land development, commercial and industrial, marine, consumer installment, lines of credit, automobile, and credit card loans; wealth management services featuring fiduciary, advisory, 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, non-deposit investments, and title insurance; and business solutions such as merchant services, cash management, positive pay fraud protection, and specialized lending for real estate, construction, small businesses, and government contracts. Founded in 1881 and headquartered in Berryville, Virginia, the company operates through 15 full-service branches, one loan production office, a wealth management office, and a drive-through facility across Clarke, Frederick, Fauquier, Loudoun, and Fairfax counties, the City of Winchester in Virginia, and Frederick, Maryland. Recent developments include the opening of a new full-service retail branch in McLean, Virginia, in September 2025, marking its first location in Fairfax County and expansion from a prior Tysons Corner loan production office; a partnership with Greenlight Financial Technology, Inc. to offer free financial literacy tools for families; the introduction of Credit Sense for free credit score access, reports, monitoring, and education; a public stock offering priced at $32 per share; strong financial performance with Q3 2025 net income of $5.6 million and net interest income up 9.6% to $17.2 million; and a quarterly dividend declaration of $0.31 per share.

Company News

APIChat
  • Eagle Financial Services, Inc. (EFSI) Q1 2026 Earnings Call Prepared Remarks Transcript

  • EAGLE FINANCIAL SERVICES, INC. ANNOUNCES 2026 FIRST QUARTER FINANCIAL RESULTS AND QUARTERLY DIVIDEND

  • Eagle Financial Services (EFSI) Expected to Announce Quarterly Earnings on Friday

  • Eagle Financial Services (OTCMKTS:EFSI) Stock Passes Below 200-Day Moving Average – Time to Sell?

  • Eagle Financial Services Inc. (NASDAQ:EFSI) Receives $43.00 Average Target Price from Analysts

  • Head to Head Survey: Eagle Financial Services (NASDAQ:EFSI) vs. City (NASDAQ:CHCO)

  • Eagle Financial Services, Inc. (EFSI) Q4 2025 Earnings Call Prepared Remarks Transcript

  • EAGLE FINANCIAL SERVICES, INC. ANNOUNCES 2025 FOURTH QUARTER FINANCIAL RESULTS

  • EAGLE FINANCIAL SERVICES, INC. ANNOUNCES QUARTERLY DIVIDEND AND RELEASE DATE FOR 2025 FOURTH QUARTER EARNINGS

  • Eagle Financial Services (NASDAQ:EFSI) Stock Price Up 2.1% – Here’s Why

  • Financial Comparison: Surrey Bancorp (OTCMKTS:SRYB) & Eagle Financial Services (OTCMKTS:EFSI)

  • Capital City Bank Group (NASDAQ:CCBG) versus Eagle Financial Services (NASDAQ:EFSI) Financial Contrast

  • Financial Analysis: Equity Bancshares (NASDAQ:EQBK) and Eagle Financial Services (OTCMKTS:EFSI)

  • Eagle Financial Services, Inc. (EFSI) Q3 2025 Earnings Call Prepared Remarks Transcript

  • EAGLE FINANCIAL SERVICES, INC. ANNOUNCES 2025 THIRD QUARTER FINANCIAL RESULTS AND QUARTERLY DIVIDEND

  • Should Value Investors Buy Eagle Financial Services (EFSI) Stock?

  • EAGLE FINANCIAL SERVICES, INC. ANNOUNCES 2025 SECOND QUARTER FINANCIAL RESULTS AND QUARTERLY DIVIDEND

  • New Strong Sell Stocks for May 8th

  • Eagle Financial Services, Nvidia And Other Big Stocks Moving Lower In Monday's Pre-Market Session

  • EAGLE FINANCIAL SERVICES, INC. ANNOUNCES 2025 FIRST QUARTER FINANCIAL RESULTS AND QUARTERLY DIVIDEND