Eagle Financial Services (EFSI) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Eagle Financial Services

NasdaqCM•Financial Services•Banks - Regional

$41.90+0.39(0.01%)Market closed

Market Cap

$247.65M

P/E

13.3x

P/S

2.0x

P/B

1.3x

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.

How this company scores

WeakMetricSide Score: 75/100

Grade capped at D — Interest coverage below 1× (0.9x) — earnings cannot cover interest. Strongest: Profitability (21/25); weakest: Cash & Earnings Quality (15/25).

Profitability21/25

Growth21/25

Balance Sheet & Red Flags18/25

Cash & Earnings Quality15/25

Strengths

Growing revenueStrong marginsRising earningsLow leverage

Grade capped at D

Interest coverage below 1× (0.9x) — earnings cannot cover interest.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 13.3x5y range 8.4x – 26.0x

Currently near its 20-quarter median.

P/S · 2.0x5y range 1.0x – 2.3x

Currently above its 20-quarter median.

P/B · 1.3x5y range 0.8x – 1.3x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

High Risk

Margin Pressure

Red Flag

The company posted negative operating margins in recent quarters — core operations are unprofitable.

Earnings Quality

Watch

FCF/Net Income has dropped below 0.7x in 3 quarters — monitor for earnings quality deterioration.

Price & Volume

Market Cap $247.65M

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $122.93M
Q. Revenue: $32.97M
TTM EBITDA: $25.39M
TTM Op. Income: $23.60M
Q. Op. Income: $6.53M
TTM Net Income: $18.64M
Q. Net Income: $4.98M
EPS: $0.92
Shares Out.: $5.41M

$122.93M in TTM revenue grew 15.8% YoY, reaching $32.97M last quarter. TTM EBITDA of $25.39M and TTM operating income of $23.60M show growth is flowing through to the bottom line. TTM net income of $18.64M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 2 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 77.5%
EBITDA Margin: 21.0%
Op. Margin: 19.8%
Net Margin: 15.1%

Op. margin of 19.8% is down 2.2% YoY — costs are rising relative to revenue. Net margin at 15.1% and gross margin of 77.5% show how much of each revenue dollar survives to profit. Over the past year, operating margin is down 10% — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 13.3x
P/S Ratio: 2.0x
P/B Ratio: 1.3x

At 13.3x P/E, the stock trades below typical market levels. P/S of 2.0x and P/B of 1.3x provide additional context. P/E sits below typical market levels while revenue is growing. Over the past year, P/E is down 36% — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $1.85B
Cash: $143.99M
Long-Term Debt: $29.62M
Book Value: $193.91M
D/E Ratio: 0.2
Debt/EBITDA: 4.3

With $1.85B in assets and $29.62M in long-term debt, D/E is 0.2and book value is $193.91M — a conservative capital structure with a cushion to weather downturns. Across the last 8 quarters, debt/equity has fallen for 7 consecutive quarters — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $-12.52M
TTM Free Cash Flow: $8.06M
FCF Margin: 6.6%
FCF / Net Income: 0.4

TTM FCF of $8.06M on $-12.52M in operating cash flow. The FCF / Net Income ratio of 0.4x means cash covers only part of net income — earnings quality needs attention. Across the last 8 quarters, free cash flow has fallen for 2 consecutive quarters — a weakening trend.