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Eagle financial services, inc.EFSI.US Overview

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EFSI Recent Performance

-0.58%

Eagle financial services, inc.

1.79%

Avg of Sector

-0.31%

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EFSI Key Information

EFSI Financial Forecast

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QuarterlyEPS ForecastQoQMaxMin
2026Q1
2026Q2
2026Q3
2026Q4
2027Q1

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.

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EFSI FAQ

This disclaimer is provided by TradingValley Inc. and includes any messages, news, research, analysis, prices or other information provided by the Company's website, the application "Growin App" and other services provided through the Company's website. It is only general market information for educational and investment decision-making reference, and does not constitute any investment advice. View Growin Disclaimer

EFSI Earnings Table

Unit : USD

QTRNon-GAAP EPSEPS YoYEPS Surprise %SalesSales YoYSales Surprise %NPM
Current
2025Q4
2025Q3
2025Q2
2025Q1
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
1.53
PE Ratio (TTM)
-
Forward PE
-
PS Ratio (TTM)
-
PB Ratio
-
Price-to-FCF
7.97
METRIC
VALUE
vs. INDUSTRY
Gross Margin
87.89%
Net Margin
10.97%
Revenue Growth (YoY)
6.59%
Profit Growth (YoY)
-6.32%
3-Year Revenue Growth
25.00%
3-Year Profit Growth
10.94%
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
1.53
PE Ratio (TTM)
-
Forward PE
-
PS Ratio (TTM)
-
PB Ratio
-
Price-to-FCF
7.97
Gross Margin
87.89%
Net Margin
10.97%
Revenue Growth (YoY)
6.59%
Profit Growth (YoY)
-6.32%
3-Year Revenue Growth
25.00%
3-Year Profit Growth
10.94%

  • When is EFSI's latest earnings report released?

    The most recent financial report for Eagle financial services, inc. (EFSI) covers the period of 2025Q4 and was published on 2025/12/31. 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 12.33, 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 5.51M with an Operating Margin of 18.3% this period, representing a decline of 32.11% 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 30.11M, with a Year-Over-Year growth rate of 38.95%. 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 cash does EFSI have?

    At the end of the period, Eagle financial services, inc. (EFSI) held Total Cash and Cash Equivalents of 13.94M, accounting for 0.01 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 69.9%%, operating margin of 18.3%%, and net margin of 14.39%%. 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 declining trend, with the latest EPS at 0.81. 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 7.83M, calculated as Operating Cash Flow minus Capital Expenditures, representing a rise of 7.51% 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.

  • What are the PEG ratio and PE ratio of EFSI?

    The latest valuation data shows Eagle financial services, inc. (EFSI) has a Price-To-Earnings (PE) ratio of 12.33 and a Price/Earnings-To-Growth (PEG) ratio of -0.56. A PEG below 1 usually suggests the market is underestimating growth potential, while a PEG above 1 indicates high growth expectations are already priced in. Investors should conduct a comprehensive valuation by considering historical growth, market forecasts, and industry cycles.