NASDAQ: EFSIEagle Financial Services Inc Stock
$31.20+0.20 (+0.65%)
Updated Apr 17, 2025
EFSI Price
$31.20
Fair Value Price
N/A
Market Cap
$167.81M
52 Week Low
$28.83
52 Week High
$33.53
P/E
7.22x
P/B
1.41x
P/S
N/A
PEG
N/A
Dividend Yield
N/A
Revenue
$70.23M
Earnings
$15.34M
Gross Margin
100%
Operating Margin
26.91%
Profit Margin
21.8%
Debt to Equity
14.68
Operating Cash Flow
$19M
Beta
0.05
Next Earnings
Apr 24, 2025
Ex-Dividend
N/A
Next Dividend
N/A
EFSI Overview
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.
Zen Rating
Our proven quant model uses 115 proprietary factors, including AI, to determine EFSI's potential to beat the market
CHold
- Stocks with a Zen Rating of Hold (C) had an average return of +7.53% per year. Learn More
Zen Rating Component Grades
C
Zen Rating uses advanced AI algorithms that detect subtle patterns in market data; it anticipates future trends that point to superior stock price results.
Industry: Bank
Industry Rating
F
EFSI
Ranked#13 of 295
Ranked#13 of 295
Top Ranked Stocks in Industry
| Name / Ticker | Price | Zen Rating |
|---|---|---|
| $12.64 | B | |
| $31.51 | B | |
| $23.63 | B |
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EFSI News
Overview
Due Diligence Score
–
Industry Average (32)
You've viewed Due Diligence Score for 10/10 free stocks. Upgrade to Premium to see how EFSI scored across 38 valuation, financial, forecast, performance, and dividend due diligence checks.
Due Diligence Checks
EFSI is forecast by analysts to be unprofitable, so we are unable to calculate its intrinsic value according to an updated version of Benjamin Graham's Formula from "The Intelligent Investor"
Below Benjamin Graham Formula Value Valuation
EFSI is good value based on its earnings relative to its share price (7.22x), compared to the US market average (27.98x)
P/E vs Market Valuation
EFSI is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
There are 35 more EFSI due diligence checks available for Premium users.
Valuation
EFSI price to earnings (PE)
For valuing profitable companies with steady earnings
Company
7.22x
Industry
13x
Market
27.98x
EFSI is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
EFSI is good value based... subscribe to Premium to read more.
P/E vs Market Valuation
EFSI price to book (PB)
For valuing companies that are loss-making or have lots of physical asset
Company
1.41x
Industry
1.08x
EFSI is poor value based... subscribe to Premium to read more.
P/B vs Industry Valuation
EFSI's financial health
Profit margin
Revenue
$21.7M
Net Income
$6.2M
Profit Margin
28.5%
EFSI's Earnings (EBIT) of $18.90M... subscribe to Premium to read more.
Interest Coverage Financials
EFSI's profit margin has increased... subscribe to Premium to read more.
Profit Margin Growth Financials
Assets to liabilities
Assets
$1.9B
Liabilities
$1.7B
Debt to equity
14.68
EFSI's debt has increased relative... subscribe to Premium to read more.
Shrinking Debt Financials
EFSI's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials
Cash flow
Operating
$6.3M
Investing
$27.8M
Financing
-$22.1M
EFSI's operating cash flow ($18.76M)... subscribe to Premium to read more.
Debt Coverage Financials
EFSI vs Bank Stocks
Eagle Financial Services Stock FAQ
Company
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Information is provided 'as-is' and solely for informational purposes and is not advice. WallStreetZen does not bear any responsibility for any losses or damage that may occur as a result of reliance on this data.