Eagle Financial Services (EFSI)
Market Price (3/15/2026): $32.43 | Market Cap: $174.4 MilSector: Financials | Industry: Regional Banks
Eagle Financial Services (EFSI)
Market Price (3/15/2026): $32.43Market Cap: $174.4 MilSector: FinancialsIndustry: Regional Banks
Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 7.4%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 3.3%, FCF Yield is 12% | Weak multi-year price returns2Y Excs Rtn is -20%, 3Y Excs Rtn is -28% | |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -90% | ||
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 36%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 34% | ||
| Low stock price volatilityVol 12M is 26% | ||
| Megatrend and thematic driversMegatrends include Community Financial Services. Themes include Local Economic Growth Facilitation, Localized Financial Counseling, and Regional Deposit Solutions. |
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 7.4%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 3.3%, FCF Yield is 12% |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -90% |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 36%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 34% |
| Low stock price volatilityVol 12M is 26% |
| Megatrend and thematic driversMegatrends include Community Financial Services. Themes include Local Economic Growth Facilitation, Localized Financial Counseling, and Regional Deposit Solutions. |
| Weak multi-year price returns2Y Excs Rtn is -20%, 3Y Excs Rtn is -28% |
Qualitative Assessment
AI Analysis | Feedback
1. Q4 2025 Earnings Miss and Net Income Decline.
Eagle Financial Services reported Q4 2025 earnings per share (EPS) of $0.81, missing analyst estimates of $0.88 by approximately 8.0%. Concurrently, net income decreased to $4.3 million for the fourth quarter, a 23.2% decline from $5.6 million in Q3 2025, primarily due to lower net interest income and higher salaries and benefits resulting from investments in personnel.
2. Deterioration in Profitability and Operational Efficiency.
The company experienced a significant drop in its trailing twelve-month net profit margin, which fell from 21.9% a year prior to 12.5%. This was coupled with a worsening efficiency ratio, increasing to 70.3% in Q4 2025 from 64.1% in Q3 2025, reflecting an 8% increase in noninterest expenses, mainly attributed to higher salaries and employee benefits.
Show more
Stock Movement Drivers
Fundamental Drivers
The -12.8% change in EFSI stock from 11/30/2025 to 3/14/2026 was primarily driven by a -12.8% change in the company's P/E Multiple.| (LTM values as of) | 11302025 | 3142026 | Change |
|---|---|---|---|
| Stock Price ($) | 37.27 | 32.50 | -12.8% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 64 | 64 | 0.0% |
| Net Income Margin (%) | 15.8% | 15.8% | 0.0% |
| P/E Multiple | 19.9 | 17.4 | -12.8% |
| Shares Outstanding (Mil) | 5 | 5 | 0.0% |
| Cumulative Contribution | -12.8% |
Market Drivers
11/30/2025 to 3/14/2026| Return | Correlation | |
|---|---|---|
| EFSI | -12.8% | |
| Market (SPY) | -3.1% | 22.2% |
| Sector (XLF) | -8.3% | 39.8% |
Fundamental Drivers
The -11.7% change in EFSI stock from 8/31/2025 to 3/14/2026 was primarily driven by a -30.7% change in the company's P/E Multiple.| (LTM values as of) | 8312025 | 3142026 | Change |
|---|---|---|---|
| Stock Price ($) | 36.81 | 32.50 | -11.7% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 59 | 64 | 7.9% |
| Net Income Margin (%) | 13.4% | 15.8% | 18.0% |
| P/E Multiple | 25.0 | 17.4 | -30.7% |
| Shares Outstanding (Mil) | 5 | 5 | 0.0% |
| Cumulative Contribution | -11.7% |
Market Drivers
8/31/2025 to 3/14/2026| Return | Correlation | |
|---|---|---|
| EFSI | -11.7% | |
| Market (SPY) | 3.0% | 30.6% |
| Sector (XLF) | -9.1% | 47.1% |
Fundamental Drivers
The 3.1% change in EFSI stock from 2/28/2025 to 3/14/2026 was primarily driven by a 79.0% change in the company's P/E Multiple.| (LTM values as of) | 2282025 | 3142026 | Change |
|---|---|---|---|
| Stock Price ($) | 31.53 | 32.50 | 3.1% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 64 | 64 | -0.5% |
| Net Income Margin (%) | 18.0% | 15.8% | -12.5% |
| P/E Multiple | 9.7 | 17.4 | 79.0% |
| Shares Outstanding (Mil) | 4 | 5 | -33.9% |
| Cumulative Contribution | 3.1% |
Market Drivers
2/28/2025 to 3/14/2026| Return | Correlation | |
|---|---|---|
| EFSI | 3.1% | |
| Market (SPY) | 12.4% | 49.0% |
| Sector (XLF) | -5.3% | 51.5% |
Fundamental Drivers
The 41.6% change in EFSI stock from 2/28/2023 to 3/14/2026 was primarily driven by a 195.1% change in the company's P/E Multiple.| (LTM values as of) | 2282023 | 3142026 | Change |
|---|---|---|---|
| Stock Price ($) | 22.95 | 32.50 | 41.6% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 59 | 64 | 7.4% |
| Net Income Margin (%) | 22.9% | 15.8% | -31.1% |
| P/E Multiple | 5.9 | 17.4 | 195.1% |
| Shares Outstanding (Mil) | 3 | 5 | -35.1% |
| Cumulative Contribution | 41.6% |
Market Drivers
2/28/2023 to 3/14/2026| Return | Correlation | |
|---|---|---|
| EFSI | 41.6% | |
| Market (SPY) | 73.4% | 40.8% |
| Sector (XLF) | 43.1% | 44.3% |
Price Returns Compared
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| EFSI Return | 0% | 0% | 0% | 26% | 36% | -17% | 42% |
| Peers Return | 41% | 1% | -15% | 2% | 18% | 1% | 47% |
| S&P 500 Return | 27% | -19% | 24% | 23% | 16% | -1% | 80% |
Monthly Win Rates [3] | |||||||
| EFSI Win Rate | 0% | 0% | 0% | 8% | 67% | 0% | |
| Peers Win Rate | 58% | 53% | 45% | 45% | 62% | 40% | |
| S&P 500 Win Rate | 75% | 42% | 67% | 75% | 67% | 33% | |
Max Drawdowns [4] | |||||||
| EFSI Max Drawdown | 0% | 0% | 0% | 0% | -2% | -17% | |
| Peers Max Drawdown | -1% | -18% | -42% | -29% | -16% | -4% | |
| S&P 500 Max Drawdown | -1% | -25% | -1% | -2% | -15% | -2% | |
[1] Cumulative total returns since the beginning of 2021
[2] Peers: BRBS, FVCB, VABK, CFFI, NKSH.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 3/13/2026 (YTD)
How Low Can It Go
| Event | EFSI | S&P 500 |
|---|---|---|
| 2020 Covid Pandemic | ||
| % Loss | -29.8% | -33.9% |
| % Gain to Breakeven | 42.5% | 51.3% |
| Time to Breakeven | 1,780 days | 148 days |
| 2018 Correction | ||
| % Loss | -10.5% | -19.8% |
| % Gain to Breakeven | 11.8% | 24.7% |
| Time to Breakeven | 1,957 days | 120 days |
| 2008 Global Financial Crisis | ||
| % Loss | -63.0% | -56.8% |
| % Gain to Breakeven | 170.5% | 131.3% |
| Time to Breakeven | 3,294 days | 1,480 days |
Compare to BRBS, FVCB, VABK, CFFI, NKSH
In The Past
Eagle Financial Services's stock fell -29.8% during the 2020 Covid Pandemic from a high on 2/21/2020. A -29.8% loss requires a 42.5% gain to breakeven.
Preserve Wealth
Limiting losses and compounding gains is essential to preserving wealth.
Asset Allocation
Actively managed asset allocation strategies protect wealth. Learn more.
About Eagle Financial Services (EFSI)
AI Analysis | Feedback
It's a full-service regional bank for Northern Virginia, similar to a smaller, community-focused version of PNC Bank.
Imagine a local version of Wells Fargo, offering everything from checking accounts to investment services, but operating exclusively in the Shenandoah Valley and Northern Virginia.
AI Analysis | Feedback
- Deposit Services: Facilitating savings and money management through various checking, savings, and time deposit accounts.
- Lending Services: Providing a wide range of loans including residential, commercial, construction, industrial, and consumer loans.
- Wealth Management & Investment Services: Offering financial planning, investment products, and insurance solutions for individuals and retirement plans.
- Title Insurance: Providing insurance coverage to protect against financial loss due to defects in real estate titles.
AI Analysis | Feedback
Eagle Financial Services (EFSI), through its subsidiary Bank of Clarke County, serves a diverse customer base, encompassing both individual consumers and various types of businesses. Given the nature of a banking institution, its customer base is best described through categories rather than specific named companies.
The company's major customers fall into the following categories:
- Individual Consumers: This category includes individuals and households in the Shenandoah Valley and Northern Virginia who utilize retail banking products and services. These services include checking, NOW, money market, and regular savings accounts; demand and time deposits; one-to-four-family residential real estate loans; secured and unsecured consumer loans (such as personal installment loans, lines of credit, automobile loans, and credit card loans); personal and retirement plan services; and various investment and insurance products.
- Commercial Businesses: This category comprises businesses of varying sizes within its service areas that require commercial banking products and services. This includes commercial deposit accounts (like ACH origination and remote deposit capture), commercial and industrial loans for operational needs, and other financial services tailored for businesses.
- Real Estate Developers and Investors: A specialized segment of commercial customers, this category includes entities engaged in real estate development and investment. They are served through specific loan products such as commercial real estate loans and construction and land development loans.
AI Analysis | Feedback
nullAI Analysis | Feedback
nullAI Analysis | Feedback
nullAI Analysis | Feedback
The clear emerging threat for Eagle Financial Services is the continued rise and increasing market penetration of digital-only banks (neobanks) and specialized fintech companies. These competitors leverage technology to offer banking products and services, including checking, savings, loans, and investment services, often with lower fees, higher interest rates, and more user-friendly mobile-first experiences, without the significant overhead associated with a traditional physical branch network. This trend directly challenges EFSI's established branch-based operating model, its ability to attract and retain customers who prefer digital interactions, and its competitive standing across its deposit, lending, and wealth management offerings.
AI Analysis | Feedback
nullAI Analysis | Feedback
nullAI Analysis | Feedback
nullLatest Trefis Analyses
| Title | Date | |
|---|---|---|
| DASHBOARDS | ||
| How Low Can Eagle Financial Services Stock Really Go? | 10/17/2025 |
| Title | |
|---|---|
| ARTICLES |
Trade Ideas
Select ideas related to EFSI.
| Date | Ticker | Company | Category | Trade Strategy | 6M Fwd Rtn | 12M Fwd Rtn | 12M Max DD |
|---|---|---|---|---|---|---|---|
| 02282026 | NDAQ | Nasdaq | Insider | Insider Buys 45DStrong Insider BuyingCompanies with multiple insider buys in the last 45 days | 0.0% | 0.0% | 0.0% |
| 02272026 | JEF | Jefferies Financial | Dip Buy | DB | P/E OPMDip Buy with Low PE and High MarginBuying dips for companies with tame PE and meaningfully high operating margin | 0.0% | 0.0% | 0.0% |
| 02272026 | PAYO | Payoneer Global | Dip Buy | DB | CFO/Rev | Low D/EDip Buy with High Cash Flow MarginsBuying dips for companies with significant cash flows from operations and reasonable debt / market cap | 0.0% | 0.0% | 0.0% |
| 02272026 | FOUR | Shift4 Payments | Dip Buy | DB | FCF Yield | Low D/EDip Buy with High Free Cash Flow YieldBuying dips for companies with significant free cash flow yield (FCF / Market Cap) and reasonable debt / market cap | 0.0% | 0.0% | 0.0% |
| 02202026 | COIN | Coinbase Global | Dip Buy | DB | CFO/Rev | Low D/EDip Buy with High Cash Flow MarginsBuying dips for companies with significant cash flows from operations and reasonable debt / market cap | 2.6% | 2.6% | -6.5% |
Research & Analysis
Invest in Strategies
Wealth Management
Peer Comparisons
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 34.80 |
| Mkt Cap | 0.2 |
| Rev LTM | 64 |
| Op Inc LTM | - |
| FCF LTM | 19 |
| FCF 3Y Avg | 16 |
| CFO LTM | 20 |
| CFO 3Y Avg | 17 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 9.8% |
| Rev Chg 3Y Avg | 1.3% |
| Rev Chg Q | 12.0% |
| QoQ Delta Rev Chg LTM | 2.8% |
| Op Mgn LTM | - |
| Op Mgn 3Y Avg | - |
| QoQ Delta Op Mgn LTM | - |
| CFO/Rev LTM | 31.4% |
| CFO/Rev 3Y Avg | 27.6% |
| FCF/Rev LTM | 27.9% |
| FCF/Rev 3Y Avg | 24.8% |
Valuation
| Median | |
|---|---|
| Name | |
| Mkt Cap | 0.2 |
| P/S | 3.7 |
| P/EBIT | - |
| P/E | 14.9 |
| P/CFO | 12.0 |
| Total Yield | 7.8% |
| Dividend Yield | 1.8% |
| FCF Yield 3Y Avg | 10.6% |
| D/E | 0.3 |
| Net D/E | -0.5 |
Returns
| Median | |
|---|---|
| Name | |
| 1M Rtn | -7.4% |
| 3M Rtn | -2.2% |
| 6M Rtn | 1.6% |
| 12M Rtn | 19.1% |
| 3Y Rtn | 25.6% |
| 1M Excs Rtn | -4.7% |
| 3M Excs Rtn | 1.8% |
| 6M Excs Rtn | -0.9% |
| 12M Excs Rtn | -1.8% |
| 3Y Excs Rtn | -60.4% |
Price Behavior
| Market Price | $32.50 | |
| Market Cap ($ Bil) | 0.2 | |
| First Trading Date | 08/27/2012 | |
| Distance from 52W High | -20.0% | |
| 50 Days | 200 Days | |
| DMA Price | $35.21 | $31.30 |
| DMA Trend | up | down |
| Distance from DMA | -7.7% | 3.8% |
| 3M | 1YR | |
| Volatility | 20.6% | 25.7% |
| Downside Capture | 104.70 | 60.58 |
| Upside Capture | 1.09 | 53.08 |
| Correlation (SPY) | 20.0% | 50.1% |
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | 0.37 | 0.43 | 0.42 | 0.64 | 0.65 | 0.33 |
| Up Beta | -0.38 | 0.33 | 0.56 | 1.03 | 0.83 | 0.51 |
| Down Beta | -0.29 | 0.20 | 0.28 | 0.67 | 0.58 | 0.35 |
| Up Capture | 5% | -0% | 20% | 34% | 39% | 7% |
| Bmk +ve Days | 9 | 20 | 31 | 70 | 142 | 431 |
| Stock +ve Days | 7 | 14 | 24 | 50 | 115 | 123 |
| Down Capture | 155% | 116% | 70% | 69% | 60% | 30% |
| Bmk -ve Days | 12 | 21 | 30 | 54 | 109 | 320 |
| Stock -ve Days | 14 | 27 | 36 | 70 | 126 | 133 |
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with EFSI | |
|---|---|---|---|---|
| EFSI | 3.9% | 25.6% | 0.11 | - |
| Sector ETF (XLF) | 3.6% | 19.3% | 0.06 | 52.3% |
| Equity (SPY) | 19.6% | 18.9% | 0.81 | 49.8% |
| Gold (GLD) | 71.9% | 26.3% | 2.05 | -4.4% |
| Commodities (DBC) | 19.3% | 17.3% | 0.89 | 14.9% |
| Real Estate (VNQ) | 6.2% | 16.3% | 0.19 | 45.5% |
| Bitcoin (BTCUSD) | -15.3% | 44.2% | -0.25 | 18.7% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 5-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with EFSI | |
|---|---|---|---|---|
| EFSI | -0.1% | 24.7% | -0.07 | - |
| Sector ETF (XLF) | 9.3% | 18.7% | 0.38 | 51.0% |
| Equity (SPY) | 13.1% | 17.0% | 0.61 | 48.1% |
| Gold (GLD) | 24.1% | 17.3% | 1.14 | -4.6% |
| Commodities (DBC) | 11.2% | 19.0% | 0.47 | 13.6% |
| Real Estate (VNQ) | 4.8% | 18.8% | 0.16 | 44.4% |
| Bitcoin (BTCUSD) | 6.3% | 56.7% | 0.33 | 16.7% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 10-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with EFSI | |
|---|---|---|---|---|
| EFSI | -1.6% | 26.1% | -0.43 | - |
| Sector ETF (XLF) | 12.5% | 22.2% | 0.52 | 30.9% |
| Equity (SPY) | 14.5% | 17.9% | 0.70 | 33.8% |
| Gold (GLD) | 14.4% | 15.6% | 0.77 | 0.4% |
| Commodities (DBC) | 8.6% | 17.6% | 0.40 | 14.3% |
| Real Estate (VNQ) | 5.6% | 20.7% | 0.23 | 22.1% |
| Bitcoin (BTCUSD) | 67.4% | 66.8% | 1.07 | 8.6% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Returns Analyses
Earnings Returns History
Expand for More| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 1/26/2026 | -0.6% | -4.2% | -6.8% |
| 10/23/2025 | 0.9% | -1.2% | -2.0% |
| 7/24/2025 | -0.4% | -1.4% | 8.9% |
| 4/25/2025 | -5.9% | -5.6% | 0.3% |
| 1/27/2025 | 0.0% | 0.0% | 9.2% |
| 10/25/2024 | 0.0% | 0.0% | 0.0% |
| 7/26/2024 | 0.0% | 0.0% | 0.0% |
| 4/26/2024 | 0.0% | 0.0% | 0.0% |
| ... | |||
| SUMMARY STATS | |||
| # Positive | 21 | 20 | 22 |
| # Negative | 3 | 4 | 2 |
| Median Positive | 0.0% | 0.0% | 0.0% |
| Median Negative | -0.6% | -2.8% | -4.4% |
| Max Positive | 0.9% | 0.0% | 9.2% |
| Max Negative | -5.9% | -5.6% | -6.8% |
SEC Filings
Expand for More| Report Date | Filing Date | Filing |
|---|---|---|
| 09/30/2025 | 11/13/2025 | 10-Q |
| 06/30/2025 | 08/13/2025 | 10-Q |
| 03/31/2025 | 05/14/2025 | 10-Q |
| 12/31/2024 | 03/31/2025 | 10-K |
| 09/30/2024 | 11/14/2024 | 10-Q |
| 06/30/2024 | 08/14/2024 | 10-Q |
| 03/31/2024 | 05/15/2024 | 10-Q |
| 12/31/2023 | 03/29/2024 | 10-K |
| 09/30/2023 | 11/13/2023 | 10-Q |
| 06/30/2023 | 08/14/2023 | 10-Q |
| 03/31/2023 | 05/15/2023 | 10-Q |
| 12/31/2022 | 03/29/2023 | 10-K |
| 09/30/2022 | 11/10/2022 | 10-Q |
| 06/30/2022 | 08/12/2022 | 10-Q |
| 03/31/2022 | 05/12/2022 | 10-Q |
| 12/31/2021 | 03/30/2022 | 10-K |
Insider Activity
Expand for More| # | Owner | Title | Holding | Action | Filing Date | Price | Shares | Transacted Value | Value of Held Shares | Form |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Braithwaite, Todd A | EXECUTIVE OFFICER | Direct | Sell | 12042025 | 38.90 | 56 | 2,178 | 342,320 | Form |
| 2 | Stokely, John D Jr | Direct | Sell | 10302025 | 36.60 | 78 | 2,855 | 489,299 | Form | |
| 3 | Stokely, John D Jr | TRUSTEE | Sell | 10302025 | 36.60 | 5,815 | Form | |||
| 4 | Smith, Nicholas Peter | EXECUTIVE OFFICER | Direct | Buy | 7312025 | 33.00 | 303 | 9,999 | 132,297 | Form |
| 5 | Hill, Edward Iii | Direct | Buy | 6122025 | 29.93 | 1,000 | 29,932 | 116,737 | Form |
External Quote Links
| Y Finance | Barrons |
| TradingView | Morningstar |
| SeekingAlpha | ValueLine |
| Motley Fool | Robinhood |
| CNBC | Etrade |
| MarketWatch | Unusual Whales |
| YCharts | Perplexity Finance |
| FinViz |
Prefer one of these to Trefis? Tell us why.