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Eagle Financial Services(NASDAQ) EFSI

Market Cap$223.55MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (2003)+671%
5 Year+43%
1 Year+14%
1 Month+3%
$41.25
-0.15%
-0.06Today
Eagle Financial Services last closing stock price
MetricPriceDate
Last closeUSD 41.312026-08-31
Eagle Financial Services stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-1.55%USD 41.962026-08-24
1 month+2.66%USD 40.242026-07-31
3 month+3.99%USD 39.722026-06-02
Year to date+6.33%USD 38.852025-12-31
1 year+14.02%USD 36.232025-08-29
3 year+44.07%USD 28.672023-08-31
5 year+42.97%USD 28.892021-09-01
Since inception+670.9%USD 5.392003-04-21

Eagle Financial Services Financials at a Glance

Market Cap

$223.55MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$117.62M

Net Income (TTM)

$18.64M

EPS (TTM)

$3.46

P/E Ratio

11.95

Dividend

$1.24

Beta (Volatility)

0.19 (Low)

Price

$41.25

Volume

7,054.868

Open

$41.37

Previous Close

$41.31

Daily Range

$41.16 - $41.80

52-Week Range

$31.44 - $45.44

Estimated Earnings Date

Oct 22, 2026

EFSI News

No articles available.

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About Eagle Financial Services

Eagle Financial Services, Inc. runs a community bank in Virginia. It helps families and businesses manage money and get loans. The company also offers retirement planning and investment help.

Core Banking and Wealth Management

  • Community Banking: Offers local deposit accounts, commercial lending, and personal banking services.
  • Wealth Management: Provides trust services, estate planning, and non-deposit investment products.
  • Marine Lending: Manages a declining portfolio of loans for marine vessels across several regions.
  • Commercial Real Estate: Finances various business properties, construction projects, and land development.

Building a Stronger Balance Sheet

  • Sold its membership interest in Bearing Insurance Group, LLC in May 2026.
  • Repositioned the investment securities portfolio in March 2025 to improve interest earnings.
  • Paid down all remaining Federal Home Loan Bank advances in March 2026.
  • Conducted a successful capital raise in early 2025 to strengthen the balance sheet.

A Focus on Local Relationships

The company operates 12 full-service branches across the Shenandoah Valley and Northern Virginia. It emphasizes relationship-based lending and maintains a workforce of 259 full-time employees.

Recent Performance by the Numbers

  • Net interest income was $17.0 million for the three months ended June 30, 2026, up 8% year over year.
  • Provision for credit losses grew 424% to $3.5 million for the quarter ended June 30, 2026.
  • Total assets were $1.85 billion at June 30, 2026, down 2% from Dec. 31, 2025.
  • The price-to-earnings ratio was 11.3 for the second quarter of 2026.

Bottom Line

Eagle Financial has transitioned into a focused community banking and wealth management provider. Its shift away from marine lending and toward local commercial growth defines its current path.

AI Generated • Aug 11, 2026

Industry

Banks

Sector

Financials

Employees

259

CEO

Brandon Craig Lorey

Website

www.bankofclarke.bank

Headquarters

Berryville, VA 22611, US

EFSI Financials

Key Financial Metrics (TTM)

Gross Margin

67.91%

Operating Margin

15.88%

Net Income Margin

15.85%

Return on Equity

9.83%

Return on Capital

3.84%

Return on Assets

1.01%

Earnings Yield

8.37%

Dividend Yield

3.00%

Payout Ratio

35.88%

Stock Overview

Market Cap

$223.55MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

5.41M

Volume

7.05K

Avg. Volume

63.21K

Financials (TTM)

Gross Profit

$79.88M

Operating Income

$18.67M

EBITDA

$19.52M

Operating Cash Flow

$11.27M

Capital Expenditure

-$607.00K

Free Cash Flow

$10.66M

Cash & ST Invst.

$132.62M

Total Debt

$29.62M

Eagle Financial Services Performance Analysis

Eagle Financial Services annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 68,042,00026.5%
20232023-12-31USD 97,866,00043.8%
20242024-12-31USD 108,811,00011.2%
20252025-12-31USD 105,554,000-3.0%
Eagle Financial Services sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-304.9%
Q42025-12-31-2.0%
Q12026-03-31-20.9%
Q22026-06-3038.4%
Eagle Financial Services annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 4.1730.2%
20232023-12-31USD 2.66-36.3%
20242024-12-31USD 4.3262.6%
20252025-12-31USD 1.59-63.3%
Eagle Financial Services sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-306.1%
Q42025-12-31-22.1%
Q12026-03-31-14.8%
Q22026-06-3033.3%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q2 2026YOY CHG

Revenue

$32.97M

+12.6%

Gross Profit

$22.06M

+13.2%

Gross Margin

66.91%

N/A

Market Cap

$223.55MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$863.14K

N/A

Employees

259

N/A

Net Income

$4.98M

-5.5%

EBITDA

$6.53M

-3.2%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

$132.62M

-55.6%

Total Debt

$29.62M

-57.5%

Accounts Receivable

$0.00

N/A

Inventory

$0.00

N/A

Long Term Debt

$29.61M

-57.4%

Short Term Debt

$11.00K

-93.6%

Return on Assets

1.01%

N/A

Return on Invested Capital

7.61%

N/A

Free Cash Flow

-$12.31M

-634.5%

Operating Cash Flow

-$12.52M

-588.0%

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Questions About EFSI

What is the current price of Eagle Financial Services?

Eagle Financial Services is trading at $41.40 per share.

What is the 52-week range for Eagle Financial Services?

Over the past 52 weeks, Eagle Financial Services has traded between $31.44 and $45.44.

How much debt does Eagle Financial Services have?

As of the most recent reporting period, Eagle Financial Services reported total debt of $39.36M.

How much cash does Eagle Financial Services have on hand?

Eagle Financial Services does not have cash on hand data available.

What is Eagle Financial Services’s dividend yield?

Eagle Financial Services currently has a dividend yield of 3.00%.

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