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NASDAQ · Banks - Regional · USD

Eagle Financial Services, Inc. (EFSI) Stock Analysis

Eagle Financial Services, Inc. (EFSI) is a Banks - Regional stock listed on NASDAQ and quoted in US Dollar.

Last Updated: October 21, 2026

EFSI

$45.90

+$0.22 (+0.48%)

Oct 21, 2026 · Market close

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Price History

Hover for the daily close. The dotted line marks the period open.

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EFSI Key Statistics

As of Oct 21, 2026
Trading
Open
$45.75
Previous Close
$45.68
Day's Range
45.57–45.99
52-Week Range
31.44–48.17
Volume
14.11K
BetaHow much the share price moves relative to the wider market. 1.0 moves in line with it; above 1.0 swings more, below 1.0 less.
0.20
Valuation
Market Cap
$248.39M
P/E Ratio
13.19
Forward P/EShare price divided by forecast earnings for the year ahead, rather than the year just past.
13.66
P/S ratioMarket value divided by annual revenue. Useful for companies that are not yet profitable, where a P/E cannot be calculated.
2.99
EPS (ttm)Profit attributable to each share over the last twelve months.
3.48
Financials (FY)
Revenue (FY)
$66.45M+2.60%
Net Income (FY)
$8.21M−46.46%
Profit marginThe share of revenue left as profit after all costs and taxes.
22.47%
Shares OutstandingThe total number of shares held by all investors. Market value is this figure multiplied by the share price.
5.41M
1-Year Return
+29.11%
Dividend and dates
Dividend
$1.24+2.71%
Ex-Dividend Date
August 3, 2026
Earnings Date
October 22, 2026estimated
Avg Volume
47.02K

Only metrics the company reports are shown. Data provided by Yahoo Finance via yfinance. Updated daily.

Key facts

As of October 21, 2026, EFSI closed at $45.90, +29.11% over 1 year.

Eagle Financial Services, Inc. (EFSI) has a market capitalization of $248.39M.

In fiscal 2025, EFSI reported revenue of $66.45M.

EFSI Stock Return by Calendar Year

Eagle Financial Services, Inc. (EFSI) 10-year return: what $10,000 became

1 year
$10,000 $12,911
+29.11%
5 years
$10,000 $16,369
+63.69%
10 years
$10,000 $27,808
+178.08%

If you had invested $10,000 in Eagle Financial Services, Inc. (EFSI) 10 years ago, at the close on October 21, 2016, it would have been worth $27,808 at the close on October 21, 2026: +178.08% in total, +10.77% a year, with dividends reinvested. A historical calculation from closing prices adjusted for splits and dividends, before fees and taxes.

Calendar-year returns computed from daily closing prices. Partial years are shown muted and marked with an asterisk.

YearReturn
2026 (partial year)+18.13%
2025+13.44%
2024+26.18%
2023−13.41%
2022+8.02%
2021+21.48%
2020−1.30%
2019+3.51%
2018−0.41%
2017+28.13%
2016 (partial year)+10.84%

As of October 21, 2026.

EFSI Revenue and Earnings by Fiscal Year

FY ends December
Fiscal yearRevenueNet incomeNet margin
2025$66.45M$8.21M12.4%
2024$64.77M$15.34M23.7%
2023$63.08M$9.36M14.8%
2022$61.26M$14.52M23.7%
Fiscal yearRevenueGross profitOperating incomeNet incomeNet margin
2025$66.45M——$8.21M12.4%
2024$64.77M——$15.34M23.7%
2023$63.08M——$9.36M14.8%
2022$61.26M——$14.52M23.7%

Annual figures as reported, in the company's reporting currency. As of December 31, 2025.

EFSI Dividend History

$1.24+2.5% vs 2024

Dividends per share, 2025 · 4 payments

YearDividends per sharePaymentsChange
2026*$0.933—
2025$1.244+2.5%
2024$1.214+0.8%
2023$1.204−16.1%
YearDividends per sharePaymentsChange
2026 (partial year)$0.933—
2025$1.244+2.5%
2024$1.214+0.8%
2023$1.204−16.1%
2022$1.435+30.0%
2021$1.104+5.8%
2020$1.044+4.0%
2019$1.004+6.4%
2018$0.944+6.8%
2017$0.884+300.0%
2016$0.221—

Most recent payment: $0.31 per share, ex-dividend August 3, 2026. Per-share amounts summed by calendar year from ex-dividend dates. Partial years are shown muted and marked with an asterisk.

EFSI Valuation vs Banks - Regional Median

Median of 326 stocks
MetricEFSIBanks - Regional medianvs median
P/E13.1912.0310% above
P/S ratio2.993.5816% below
Profit margin22.47%29.44%7.0 pts below

Medians across 326 Banks - Regional stocks that report the metric. Medians, not averages, so one outlier cannot move them. As of October 21, 2026.

Recent News

News provided by third-party sources. Not financial advice.

Analysis

Data-derived

Company Overview

Eagle Financial Services, Inc. (EFSI) carries a market capitalisation of $248.39M. It is classified in the Banks - Regional industry, within the Financial Services sector. The company reports 259 employees.

The most recent close on file for EFSI is $45.90, dated October 21, 2026. That is +$0.22 (+0.48%) against the previous close. Over the past 52 weeks the price has ranged from $31.44 to $48.17. The latest close sits 45.99% above that 52-week low.

Financial Health

The most recent full year on file, fiscal 2025, shows revenue of $66.45M. That is +2.60% against the prior fiscal year, when revenue was $64.77M. Net income for the same year was $8.21M. That is −46.46% against the prior fiscal year. Profit margin runs at 22.47%. That is 7 percentage points below the Banks - Regional median of 29.44%. Trailing earnings per share are 3.48.

Across the 4 fiscal years on file, revenue moves from $61.26M in 2022 to $66.45M in 2025. Of those 4 years, 4 report positive net income.

Valuation Assessment

EFSI trades at a trailing price-to-earnings ratio of 13.19. That is 9.64% above the Banks - Regional median of 12.03. The forward P/E on file is 13.66. The price-to-sales ratio is 2.99. On price-to-sales that is 16.33% below the Banks - Regional median of 3.58. The medians here are taken across 326 Banks - Regional companies that report the metric.

The trailing one-year total return is +29.11%. Across 10 years the annualized return works out at +10.77%. Beta against the wider market is reported at 0.2. Annualized volatility over the trailing 10 years is 19.81%.

Growth & Income

EFSI pays a dividend yielding 2.71%. The indicated annual rate is $1.24 a share. The ex-dividend date on file is August 3, 2026. Dividends are recorded for 11 calendar years; 2026 shows 3 payments totalling $0.93 a share. The year before, 2025, totalled $1.24 a share.

So far in 2026 the total return is +18.13%. Across the complete calendar years on file, 2017 returned +28.13% and 2023 returned −13.41%. Of the 9 complete calendar years on file, 6 finished higher.

Peer Comparison

Eagle Financial Services, Inc. (EFSI) operates in the Banks - Regional industry. Here is how it compares to its closest peers by market capitalization:

Company Ticker Market Cap P/E Ratio
Eagle Financial Services, Inc. EFSI $248.39M 13.2
Mizuho Financial Group, Inc. MFG $120.84B 13.7
HDFC Bank Limited HDB $116.51B 14.6
Itaú Unibanco Holding S.A. ITUB $106.91B 12.4

The Banks - Regional industry average P/E ratio is 12.0x. Eagle Financial Services, Inc. trades at a P/E of 13.2.

Every figure above is read from this page's own data on each daily rebuild. Informational only, not financial advice. As of October 21, 2026.

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About Eagle Financial Services, Inc.

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.

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