Eagle Financial Services (EFSI) Stock Price, News & Analysis

Company Overview

Eagle Financial Services, Inc. (NASDAQ: EFSI) is a bank holding company headquartered in Bethesda, Maryland. Through its wholly owned subsidiary, EagleBank, the company provides a broad range of commercial banking products and services to businesses and individuals across the Washington, D.C. metropolitan area. Since its founding in 1998, EagleBank has grown organically and through strategic acquisitions to become a well-established regional financial institution serving the District of Columbia, Maryland and Northern Virginia.

The company’s core lending activities focus on commercial real estate financing, owner-occupied commercial real estate loans, and construction and land development loans. EagleBank also offers specialized lending programs, including U.S. Small Business Administration (SBA) loans, agribusiness financing and equipment leasing. Its commercial loan portfolio is designed to support developers, non-profits, professional service firms and government contractors, reflecting its deep connections within the local economy.

In addition to credit products, EagleBank provides a comprehensive suite of deposit and cash management services. These include checking and savings accounts, money market deposits, certificates of deposit, online and mobile banking, ACH origination, wire transfers, and merchant services. The bank’s treasury management platform caters to both small businesses and large corporate clients, offering tailored solutions for liquidity management, fraud prevention and digital account services. Wealth management and trust services round out its offerings, delivering investment advisory, fiduciary and retirement planning to high-net-worth individuals and families in its footprint.

Under the leadership of President and Chief Executive Officer John A. George and a seasoned team of banking executives, Eagle Financial Services emphasizes relationship banking and community engagement. The company maintains active participation in local civic and economic development initiatives, supporting affordable housing projects, educational programs and small business growth. This community-focused approach has reinforced EagleBank’s reputation as a preferred financial partner for a diverse mix of commercial and personal clients across the region.

Key Stats

• Today's Range: $32.80 to $33.44
• 50-Day Range: $29.00 to $33.16
• 52-Week Range: $28.70 to $36.93
• Volume: 14,881 shs
• Average Volume: 57,073 shs
• Market Capitalization: $177.06 million
• P/E Ratio: 15.90
• Dividend Yield: 3.77%
• Price Target: $40.00
• Consensus Rating: Buy

Eagle Financial Services Stock Analysis - MarketRank™

Eagle Financial Services scored higher than 62% of companies evaluated by MarketBeat, and ranked 493rd out of 901 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 2.5 / 5
• Analyst Rating: Buy

Consensus Rating

Eagle Financial Services has received a consensus rating of Buy. The company's average rating score is 3.00, and is based on 2 buy ratings, no hold ratings, and no sell ratings.

Amount of Analyst Coverage

Eagle Financial Services has received no research coverage in the past 90 days.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of Eagle Financial Services is 15.90, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 25.68.

Price to Earnings Ratio vs. Sector

The P/E ratio of Eagle Financial Services is 15.90, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 19.95.

Price to Book Value per Share Ratio

Eagle Financial Services has a P/B Ratio of 0.96. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: N/A
• Short Interest Level: N/A

Short Interest

There is no current short interest data available for EFSI.

Dividend

• Score: 4.2 / 5
• Dividend Strength: Strong

Dividend Leadership

Eagle Financial Services is a leading dividend payer. It pays a dividend yield of 3.74%, putting its dividend yield in the top 25% of dividend-paying stocks.

Dividend Growth

Eagle Financial Services has been increasing its dividend for 14 years.

Dividend Coverage

The dividend payout ratio of Eagle Financial Services is 59.90%. This payout ratio is at a healthy, sustainable level, below 75%.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Short Interest

There is no current short interest data available for EFSI.

News and Social Media

• Score: 0.0 / 5
• News Sentiment: N/A

News Coverage This Week

MarketBeat has tracked 1 news article for Eagle Financial Services this week, compared to 1 article on an average week.

Company Ownership

• Score: 2.5 / 5
• Insider Trading: Acquiring Shares

Insider Buying vs. Insider Selling

In the past three months, Eagle Financial Services insiders have bought more of their company's stock than they have sold. Specifically, they have bought $50,220.00 in company stock and sold $0.00 in company stock.

Percentage Held by Insiders

12.28% of the stock of Eagle Financial Services is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

Only 0.31% of the stock of Eagle Financial Services is held by institutions.

EFSI Stock Analysis - Frequently Asked Questions

How have EFSI shares performed this year?

Eagle Financial Services' stock was trading at $33.15 at the beginning of the year. Since then, EFSI shares have decreased by 0.7% and is now trading at $32.91.

How were Eagle Financial Services' earnings last quarter?

Eagle Financial Services Inc. (NASDAQ:EFSI) released its earnings results on Friday, April, 25th. The company reported $0.62 earnings per share for the quarter, missing the consensus estimate of $0.92 by $0.30. The company earned $4.78 million during the quarter. Eagle Financial Services had a net margin of 5.68% and a trailing twelve-month return on equity of 9.57%.

How do I buy shares of Eagle Financial Services?

Shares of EFSI stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

Company Calendar

• Last Earnings: 4/25/2025
• Record date for 5/16 Dividend: 5/05/2025
• Ex-Dividend for 5/16 Dividend: 5/05/2025
• Dividend Payable: 5/16/2025
• Today: 7/08/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: BANKS - SOUTHEAST
• Sub-Industry: Banking
• Current Symbol: NASDAQ:EFSI
• CIK: 880641
• Web: N/A
• Phone: (540) 955-2510
• Fax: 540-955-5233
• Employees: 230
• Year Founded: N/A

Price Target and Rating

• Average Stock Price Target: $40.00
• High Stock Price Target: $40.00
• Low Stock Price Target: $40.00
• Potential Upside/Downside: +21.5%
• Consensus Rating: Buy
• Rating Score (0-4): 3.00
• Research Coverage: 2 Analysts

Profitability

• EPS (Trailing Twelve Months): $2.07
• Trailing P/E Ratio: 15.90
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $15.34 million
• Net Margins: 5.68%
• Pretax Margin: 6.66%
• Return on Equity: 9.57%
• Return on Assets: 0.67%

Debt

• Debt-to-Equity Ratio: 0.54
• Current Ratio: 1.06
• Quick Ratio: 1.05

Sales & Book Value

• Annual Sales: $112.88 million
• Price / Sales: 1.57
• Cash Flow: $4.02 per share
• Price / Cash Flow: 8.18
• Book Value: $34.14 per share
• Price / Book: 0.96

Miscellaneous

• Outstanding Shares: 5,380,000
• Free Float: 4,718,000
• Market Cap: $177.06 million
• Optionable: N/A
• Beta: 0.27