Eagle financial services, inc.EFSI.US Overview
EFSI Overall Performance
EFSI AI Analysis & Strategy
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EFSI Current Performance
-1.35%
Eagle financial services, inc.
-0.13%
Avg of Sector
-0.69%
S&P500
EFSI Key Information
EFSI Financial Forecast
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| Quarterly | EPS Forecast | QoQ | Max | Min |
|---|---|---|---|---|
| 2025Q1 | ||||
| 2025Q2 | ||||
| 2025Q3 | ||||
| 2025Q4 | ||||
| 2026Q1 |
EFSI Earnings Table
Unit : USD
| QTR | Non-GAAP EPS | EPS YoY | EPS Surprise % | Sales | Sales YoY | Sales Surprise % | NPM |
|---|---|---|---|---|---|---|---|
| Current | |||||||
| 2024Q4 | |||||||
| 2024Q3 | |||||||
| 2024Q2 | |||||||
| 2024Q1 |
EFSI Profile
Eagle Financial Services, Inc. operates as the bank holding company for Bank of Clarke County that provides various retail and commercial banking products and services in the Shenandoah Valley and Northern Virginia. The company's deposit products include checking, NOW, money market, and regular savings accounts; and demand and time deposits. Its loan portfolio comprises one-to-four-family residential real estate, commercial real estate, construction and land development, and commercial and industrial loans, as well as secured and unsecured consumer loans, which include personal installment loans, personal lines of credit, automobile loans, and credit card loans. The company also offers personal and retirement plan services; investment services comprising tax-deferred annuities, IRAs and rollovers, mutual funds, retirement plans, college savings plans, life insurance, long term care insurance, fixed income investing, brokerage CDs, and full service or discount brokerage services; non-deposit investment products; and title insurance products. In addition, it provides ATM and debit cards; and telephone, internet, and mobile banking services, as well as other commercial deposit account services, such as ACH origination and remote deposit capture services. The company operates through twelve full-service branches, two loan production offices, one wealth management office, and one drive-through only facility, as well as 13 ATM locations in the Virginia communities of Berryville, Winchester, Boyce, Stephens City, Purcellville, Warrenton, Leesburg, Ashburn, and Fairfax. Eagle Financial Services, Inc. was founded in 1881 and is headquartered in Berryville, Virginia.
Price of EFSI
EFSI FAQ
When is EFSI's latest earnings report released?
The most recent financial report for Eagle financial services, inc. (EFSI) covers the period of 2025Q2 and was published on 2025/06/30. This report is prepared according to IFRS/US GAAP standards and includes key financial indicators—Revenue, Profitability, Cash Flow, and Capital Structure. This information is essential for investors evaluating EFSI's short-term business performance and financial health. For the latest updates on EFSI's earnings releases, visit this page regularly.
Where does EFSI fall in the P/E River chart?
According to historical valuation range analysis, Eagle financial services, inc. (EFSI)'s current price-to-earnings (P/E) ratio is 23.59, placing it in the Overvalued zone on the P/E River chart. This level indicates that the market's expectations for future earnings are already reflected in the share price, with the valuation currently leaning optimistic. Investors are advised to further examine the company's fundamentals and its position in the industry cycle to validate whether the valuation is justified.
What is the operating profit of EFSI?
According to the latest financial report, Eagle financial services, inc. (EFSI) reported an Operating Profit of 6.55M with an Operating Margin of 32.83% this period, representing a growth of 73.69% compared to the same period last year. Operating Profit reflects the company's core business efficiency and cost control, making it a key indicator for evaluating operational strength and profitability.
How is EFSI's revenue growth?
In the latest financial report, Eagle financial services, inc. (EFSI) announced revenue of 19.95M, with a Year-Over-Year growth rate of 22.52%. Revenue growth can be driven by product mix changes, market share expansion, price adjustments, or international market penetration. Investors should also monitor gross margin and regional revenue distribution for a comprehensive view of growth quality and sustainability.
How much debt does EFSI have?
As of the end of the reporting period, Eagle financial services, inc. (EFSI) had total debt of 69.72M, with a debt ratio of 0.03. Long-term debt comprises a higher/lower proportion. The level of financial leverage directly impacts the company's capital structure and interest coverage. If debt is high, pay attention to interest expenses and refinancing risks. Conversely, a low-leverage structure indicates greater risk tolerance but potentially less growth flexibility.
How much cash does EFSI have?
At the end of the period, Eagle financial services, inc. (EFSI) held Total Cash and Cash Equivalents of 396M, accounting for 0.19 of total assets. Both current and quick ratios indicate robust short-term debt repayment ability. High cash reserves typically mean the company has strong liquidity, supporting operational needs, expansion investments, or shareholder returns.
Does EFSI go with three margins increasing?
In the latest report, Eagle financial services, inc. (EFSI) achieved the “three margins increasing” benchmark, with a gross margin of 100%%, operating margin of 32.83%%, and net margin of 26.4%%. This demonstrates improvement in profitability, which is a key signal for fundamental analysis. Investors should consider margin trends alongside other financial indicators to assess EFSI's profit trajectory and future growth potential.
Is EFSI's EPS continuing to grow?
According to the past four quarterly reports, Eagle financial services, inc. (EFSI)'s earnings per share (EPS) shows a steady growth trend, with the latest EPS at 0.98. If EPS continues to rise due to revenue growth and cost optimization, it can support P/E valuation recovery and attract long-term investors.
What is the FCF of EFSI?
Eagle financial services, inc. (EFSI)'s Free Cash Flow (FCF) for the period is 2.31M, calculated as Operating Cash Flow minus Capital Expenditures, representing a rise of 202.9% compared with the previous period. Positive FCF growth provides stable funding for dividends, debt repayment, or strategic acquisitions, and is an important measure of true profitability and shareholder return potential.