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Eagle Financial Services, Inc. (EFSI)

Financial Services | Banks - Regional | Berryville, United States | NasdaqCM
45.89 USD +0.14 (0.306%) ⇧ (Oct. 16, 2026, 4 p.m. EDT)

Short-term:★★★☆☆Long-term:★★★⯪☆Dividends:★★★⯪☆
Hot Take ↕ | Oct. 10, 2026, 3:07 a.m. EDT

The investment case for Eagle Financial Services hinges on a divergence between its resilient business fundamentals and its stagnant price performance. Fundamentally, the company demonstrates a healthy trajectory with revenue growing at 10.6% and a robust operating margin of 30.4%. The balance sheet is fortified, trading at a reasonable 1.25x book value with a low beta of 0.2, suggesting defensive characteristics amidst sector volatility. However, the market has seemingly punished the stock for past struggles, evidenced by a trailing twelve-month earnings decline of 6.1% and a forward P/E that barely expands relative to trailing earnings. While the long-term price history shows a strong cumulative gain of nearly 55% over nine years without a recent multi-year decline, the immediate momentum is tepid, hovering near its 50-day average with minimal statistical predictive power for the next month. The dividend appears sustainable with a modest payout ratio of 35.6%, offering a yield that is adequate but not compelling enough to drive capital inflows independently. Consequently, while the underlying business quality warrants a positive lean, the lack of recent price acceleration and earnings recovery limits the near-term upside potential.

Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
AutoTheta ✓0.036349
MSTL0.038675
AutoETS0.039908
AutoARIMA0.040253

Forecast horizon: 45 days | Selected: AutoTheta

Forecast Reliability
Score 47%
H-stat 16.69
Ljung-Box p 0.000
Jarque-Bera p 0.105
Excess Kurtosis -1.03
Attribute Value
Sector Financial Services
Ex Dividend Date 2026-08-02
Last Dividend Date 2026-08-02
Revenue per Share 15.375
Market Cap 248,373,936
Trailing P/E 13.19
Forward P/E 13.66
Beta 0.20
Profit Margins 22.47%
Website https://www.bankofclarke.bank

Dividend Data

Yield Summary
Last Yield 1yr Yield 3yr Avg 5yr Avg
0.77% 3.32% 3.67% 3.71%
Dividend History
Date Dividend Yield %
2026-08-03 0.310 0.771336
2026-05-04 0.310 0.867618
2026-02-02 0.310 0.811094
2025-11-03 0.310 0.868104
2025-08-04 0.310 0.935990
2025-05-05 0.310 1.042718
2025-02-03 0.310 0.855172
2024-11-08 0.310 0.933735
2024-08-05 0.300 0.909091
2024-05-03 0.300 1.035197
2024-02-02 0.300 1.006711
2023-11-03 0.300 0.982962
2023-08-04 0.300 0.944584
2023-05-05 0.300 0.923077
2023-02-03 0.300 0.837989
2022-11-04 0.300 0.810592
2022-08-05 0.290 0.801105
2022-05-03 0.280 0.802292
2022-04-29 0.280 0.802292
2022-02-04 0.280 0.800000
2021-11-05 0.280 0.800000
2021-08-06 0.280 0.823529
2021-04-30 0.270 0.805970
2021-02-05 0.270 0.931034
2020-10-30 0.260 1.019608
2020-07-31 0.260 0.982987
2020-05-01 0.260 0.968343
2020-01-31 0.260 0.812500
2019-10-31 0.260 0.851064
2019-07-30 0.250 0.819941
2019-04-29 0.250 0.798722
2019-01-31 0.240 0.761905
2018-11-01 0.240 0.731707
2018-07-27 0.240 0.652174
2018-04-27 0.230 0.701220
2018-02-01 0.230 0.727848
2017-11-02 0.220 0.710136
2017-07-28 0.220 0.735786
2017-04-27 0.220 0.737018
2017-02-01 0.220 0.846154
2016-10-28 0.220 0.926316
2016-07-28 0.200 0.851064
2016-04-28 0.200 0.858369
2016-02-01 0.200 0.860215
2015-11-02 0.200 0.860215
2015-07-28 0.200 0.833333
2015-04-27 0.200 0.816327
2015-01-30 0.200 0.860215
2014-10-29 0.200 0.869565
2014-07-28 0.190 0.790021
2014-04-28 0.190 0.829694
2014-01-23 0.190 0.859728
2013-10-30 0.190 0.904762
2013-07-29 0.190 0.775510
2013-04-25 0.190 0.822511
2013-01-24 0.190 0.859728
2012-10-31 0.190 0.863636
2012-07-30 0.180 0.818182
2012-04-26 0.180 0.867470
2012-01-25 0.180 0.978261
2011-10-28 0.180 1.074627
2011-07-28 0.180 1.104295
2011-04-27 0.180 1.139240
2011-02-07 0.180 1.104295
2010-10-28 0.180 1.074627
2010-08-04 0.170 1.000000
2010-04-28 0.170 1.000000
2010-01-28 0.170 1.062500
2009-10-29 0.170 1.096774
2009-07-29 0.170 1.096774
2009-04-29 0.170 1.011303
2009-01-29 0.170 1.000000
2008-10-30 0.170 0.918919
2008-07-30 0.170 0.883117
2008-04-29 0.170 0.776256
2008-01-30 0.160 0.735632
2007-10-30 0.160 0.692341
2007-07-30 0.160 0.579710
2007-04-27 0.160 0.571429
2007-01-30 0.160 0.556522
2006-10-30 0.160 0.539811
2006-07-28 0.150 0.455235
2006-04-27 0.150 0.468750
2006-01-30 0.140 0.490798
2005-10-28 0.140 0.518519
2005-07-28 0.135 0.540000
2005-04-28 0.115 0.516854
2005-01-28 0.110 0.500000
2004-10-28 0.110 0.504009
2004-04-29 0.105 0.449198
2004-02-03 0.100 0.402010
2003-10-29 0.100 0.439560
2003-07-30 0.095 0.760000
Additional Data
dividendRate 1.24
dividendYield 2.7
exDividendDate 2026-08-03
trailingAnnualDividendRate 1.24
trailingAnnualDividendYield 0.027103825
lastDividendValue 0.31
lastDividendDate 2026-08-03
dividendDate 2026-08-14

Info Dump

Attribute Value
52 Week Change 0.25006807
Address1 2 East Main Street
Address2 PO Box 391
All Time High 48.17
All Time Low 11.0
Ask 45.92
Ask Size 1
Audit Risk 8
Average Analyst Rating 2.7 - Hold
Average Daily Volume10 Day 28,410
Average Daily Volume3 Month 47,293
Average Volume 47,293
Average Volume10Days 28,410
Beta 0.2
Bid 32.94
Bid Size 2
Board Risk 6
Book Value 36.416
City Berryville
Compensation As Of Epoch Date 1,767,139,200
Compensation Risk 5
Country United States
Crypto Tradeable 0
Currency USD
Current Price 45.89
Custom Price Alert Confidence HIGH
Date Short Interest 1,790,726,400
Day High 46.4475
Day Low 45.51
Display Name Eagle Financial Services
Dividend Date 1,786,665,600
Dividend Rate 1.24
Dividend Yield 2.7
Earnings Call Timestamp End 1,777,039,200
Earnings Call Timestamp Start 1,777,039,200
Earnings Growth -0.061
Earnings Quarterly Growth -0.055
Earnings Timestamp 1,784,836,800
Earnings Timestamp End 1,792,699,200
Earnings Timestamp Start 1,792,699,200
Ebitda Margins 0.0
Enterprise To Revenue 1.684
Enterprise Value 139,719,616
Eps Current Year 2.825
Eps Forward 3.36
Eps Trailing Twelve Months 3.48
Esg Populated 0
Ex Dividend Date 1,785,715,200
Exchange NCM
Exchange Data Delayed By 15
Exchange Timezone Name America/New_York
Exchange Timezone Short Name EDT
Fifty Day Average 44.2744
Fifty Day Average Change 1.6156006
Fifty Day Average Change Percent 0.036490627
Fifty Two Week Change Percent 25.006807
Fifty Two Week High 48.17
Fifty Two Week High Change -2.2799988
Fifty Two Week High Change Percent -0.047332343
Fifty Two Week Low 31.44
Fifty Two Week Low Change 14.449999
Fifty Two Week Low Change Percent 0.45960554
Fifty Two Week Range 31.44 - 48.17
Financial Currency USD
First Trade Date Milliseconds 994,339,800,000
Five Year Avg Dividend Yield 3.42
Float Shares 4,148,529
Forward Eps 3.36
Forward P E 13.657739
Full Exchange Name NasdaqCM
Full Time Employees 259
Fullday Change 0.13999939
Fullday Change Percent 0.3059427
Fullday Price 45.89
Gmt Off Set Milliseconds -14,400,000
Governance Epoch Date 1,790,812,800
Gross Margins 0.0
Gross Profits 82,958,000
Has Pre Post Market Data 1
Held Percent Insiders 0.1295
Held Percent Institutions 0.46893
Implied Shares Outstanding 5,412,376
Industry Banks - Regional
Industry Disp Banks - Regional
Industry Key banks-regional
Ipo Expected Date 2,025-02-07
Is Earnings Date Estimate 1
Language en-US
Last Dividend Date 1,785,715,200
Last Dividend Value 0.31
Last Fiscal Year End 1,767,139,200
Last Split Date 1,142,467,200
Last Split Factor 2:1
Long Business Summary Eagle Financial Services, Inc. operates as the bank holding company for Bank of Clarke that provides various retail and commercial banking products and services in the United States. It operates through three segments: Community Banking, Marine Lending, and Wealth Management. The company's deposit products include checking, NOW, money market, and regular savings accounts; and demand and time deposits, as well as other commercial deposit account services, such as ACH origination and remote deposit capture services. Its loan portfolio comprises one-to-four-family residential real estate, commercial real estate, construction and land development, and commercial and industrial loans, marine lending, and consumer lending, as well as secured and unsecured consumer loans, including personal installment loans, personal lines of credit, automobile loans, and credit card loans. In addition, the company offers advisory services and 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, and other brokerage services; non-deposit investment products; and title insurance products. Further, it provides debit cards; fiduciary services; online bill payment services; and telephone, internet, and mobile banking services. It operates through full-service branches, loan production offices, wealth management offices, and drive-through only facility. Eagle Financial Services, Inc. was founded in 1881 and is headquartered in Berryville, Virginia.
Long Name Eagle Financial Services, Inc.
Market us_market
Market Cap 248,373,936
Market State CLOSED
Max Age 86,400
Message Board Id finmb_3730641
Most Recent Quarter 1,782,777,600
Net Income To Common 18,639,000
Next Fiscal Year End 1,798,675,200
Non Diluted Market Cap 245,741,437
Number Of Analyst Opinions 3
Open 45.75
Operating Cashflow 9,161,000
Operating Margins 0.30353
Overall Risk 7
Payout Ratio 0.3563
Phone 540 955 2510
Previous Close 45.75
Price Eps Current Year 16.244247
Price Hint 2
Price To Book 1.2601603
Price To Sales Trailing12 Months 2.993972
Profit Margins 0.22468
Quote Source Name Delayed Quote
Quote Type EQUITY
Recommendation Key hold
Recommendation Mean 2.66667
Region US
Regular Market Change 0.139999
Regular Market Change Percent 0.30601
Regular Market Day High 46.4475
Regular Market Day Low 45.51
Regular Market Day Range 45.51 - 46.4475
Regular Market Open 45.75
Regular Market Previous Close 45.75
Regular Market Price 45.89
Regular Market Time 1,792,180,801
Regular Market Volume 24,844
Return On Assets 0.0095999995
Return On Equity 0.09979
Revenue Growth 0.106
Revenue Per Share 15.375
Sand P52 Week Change 0.13723719
Sector Financial Services
Sector Disp Financial Services
Sector Key financial-services
Share Holder Rights Risk 9
Shares Outstanding 5,412,376
Shares Percent Shares Out 0.027
Shares Short 146,299
Shares Short Previous Month Date 1,788,134,400
Shares Short Prior Month 130,424
Short Name Eagle Financial Services Inc
Short Percent Of Float 0.0291
Short Ratio 3.22
Source Interval 15
State VA
Symbol EFSI
Target High Price 52.0
Target Low Price 43.0
Target Mean Price 47.0
Target Median Price 46.0
Total Cash 144,691,008
Total Cash Per Share 27.174
Total Debt 40,060,000
Total Revenue 82,958,000
Tradeable 0
Trailing Annual Dividend Rate 1.24
Trailing Annual Dividend Yield 0.027103825
Trailing Eps 3.48
Trailing P E 13.186781
Trailing Peg Ratio None
Triggerable 1
Two Hundred Day Average 40.03745
Two Hundred Day Average Change 5.8525505
Two Hundred Day Average Change Percent 0.1461769
Type Disp Equity
Volume 24,844
Website https://www.bankofclarke.bank
Zip 22,611