Eagle Financial Services, Inc.

Eagle Financial Services, Inc.

EFSI
Eagle Financial Services, Inc.US flagNASDAQ Capital Market
46.30
USD
+0.65
- -
250.56MMarket Cap
Eagle Financial Services, Inc.
EFSI
(NASDAQ Capital Market)

Recent

price

46.30

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
8.45
8.4
8.64
8.39
8.41
8.11
8.64
9.54
9.97
10.84
12.68
14.8
17.59
17.93
18.24
12.86
16.14
Revenue per Share
1.11
1.31
1.97
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
3.46
Basic EPS, GAAP
2.33
3.27
2.78
1.98
1.25
1.23
2.68
2.59
-0.56
2.92
3.09
4.63
3.73
1.65
5
4.71
1.49
Free Cash Flow per Basic Share
0.51
0.54
0.54
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
Dividend per Share
16.57
17.67
19.1
19.57
21.11
22.24
22.9
24.3
25.42
28.08
30.86
31.93
29.15
30.78
33.52
35.14
35.83
Book Value per Share
16.57
17.67
19.1
19.57
21.11
22.24
22.9
24.3
25.42
28.08
30.86
31.93
29.15
30.78
33.52
35.14
35.83
Tangible Book Value per Share
3
3
3
3
3
4
4
3
3
3
3
3
3
4
4
5
5
Basic Weighted Avg Shares
27
28
29
28
29
28
30
33
35
37
43
51
61
63
65
66
87
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
1
Depreciation Expense
4
4
7
7
7
7
6
8
9
10
11
11
15
9
15
8
19
Net Income, GAAP
22.04
24.08
28.09
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
21.02
Effective Tax Rate (%)
13.16
15.64
22.81
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
21.4
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
52
49
39
29
47
20
- -
- -
- -
4
4
- -
204
174
125
70
30
LT Debt
54
58
64
66
73
78
79
84
88
96
105
110
102
108
119
189
194
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
6.84
7.72
10.76
11
10.23
9.11
8.08
9.54
10.5
10.61
11.09
10.24
13.7
8.91
13.5
5.34
9.98
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
70
30
30
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
5
5
5
Market Capitalization
214
189
224

Working Capital

FRC

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
146
225
110
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
25
- -
- -
- -

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
0.92
- -
- -
- -

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
0.31
- -
- -
- -
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

  • Are ARX, FULC, EFSI Obtaining Fair Deals for their Shareholders?

  • BRODSKY & SMITH SHAREHOLDER UPDATE: Notifying Investors of the Following Investigations: The Baldwin Group, Inc. (Nasdaq – BWIN), Eagle Financial Services, Inc. (Nasdaq: EFSI), Utz Brands, Inc. (NYSE – UTZ), Distribution Solutions Group, Inc. (Nasdaq – DSGR)

  • Eagle Financial Investor Alert: Kahn Swick & Foti, LLC Investigates Adequacy of Price and Process in Proposed Sale of Eagle Financial Services, Inc. - EFSI

  • Eagle Financial Investor Alert: Kahn Swick & Foti, LLC Investigates Adequacy of Price and Process in Proposed Sale of Eagle Financial Services, Inc. - EFSI

  • $HAREHOLDER ALERT: The M&A Class Action Firm Announces An Investigation of Eagle Financial Services, Inc. (NASDAQ: EFSI)

  • BRODSKY & SMITH SHAREHOLDER UPDATE: Notifying Investors of the Following Investigations: Eagle Financial Services, Inc. (Nasdaq: EFSI), Safety Insurance Group, Inc. (Nasdaq – SAFT), Utz Brands, Inc. (NYSE – UTZ), Distribution Solutions Group, Inc. (Nasdaq – DSGR)

  • EFSI Stock Alert: Halper Sadeh LLC is Investigating Whether Eagle Financial Services, Inc. is Obtaining a Fair Price for its Shareholders

  • EFSI Stock Alert: Halper Sadeh LLC is Investigating Whether Eagle Financial Services, Inc. is Obtaining a Fair Price for its Shareholders

  • EFSI SHAREHOLDER ALERT: Ademi LLP Investigates Whether the $46.72 Buyout Fairly Values EFSI

  • John Marshall Bancorp, Inc. and Eagle Financial Services, Inc. Announce Strategic Merger Uniting Two of Virginia's Leading Community Banks

  • BlackRock Inc. Acquires Shares of 345,268 Eagle Financial Services Inc. $EFSI

  • Eagle Financial Services, Inc. (EFSI) Q2 2026 Earnings Call Prepared Remarks Transcript

  • Eagle Financial Services Q2 Earnings Call Highlights

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

  • 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)