EFSI
NASDAQ
US
Eagle Financial Services Inc - Common Stock
$35.77
▲ +$0.57
(+1.62%)
Vol 7K
10
Quality Score
ok
Deep Check
2/5
ok
Rev ✓
NI ✓
>IPO ✗
Mkt Cap
$214.0M
P/E
13.9
ROE
13.5%
Margin
15.5%
D/E
24.80
Beta
0.20
Div Yield
3.12%
52W
$29–$41
Wall Street Consensus
9 analysts · Apr 20262
Strong Buy
4
Buy
3
Hold
0
Sell
0
Strong Sell
66.7%
Buy Rating
Price Chart
Similar Stocks
Earnings
Beat rate: 25.0%| Quarter | EPS Est | EPS Act | Surprise |
|---|---|---|---|
| Dec 2025 | $0.89 | $0.82 | $-0.07 |
| Sep 2025 | $1.13 | $1.04 | $-0.09 |
| Jun 2025 | $0.83 | $0.98 | +$0.15 |
| Mar 2025 | $0.75 | $0.62 | $-0.13 |
Quarterly Revenue & Earnings
| Quarter | 2024-0… | 2024-1… | 2025-0… | 2025-0… | 2025-0… | 2025-1… |
|---|---|---|---|---|---|---|
| Revenue | $17.3M | $17.3M | $4.3M | $20.1M | $22.0M | — |
| Net Income | $3.4M | $6.2M | -$7.0M | $5.3M | $5.6M | — |
Fundamentals Trend
| Metric | 2024-12-31 | 2025-09-02 | 2025-10-02 | 2025-11-03 | 2025-12-03 | 2026-01-02 |
|---|---|---|---|---|---|---|
| ROE (TTM) | 13.5% | 13.5% | 13.5% | 13.5% | 13.5% | 13.5% |
| P/E (TTM) | 8.42 | 12.26 | 13.12 | 12.69 | 13.09 | 13.94 |
| Net Margin | — | 15.5% | 15.5% | 15.5% | 15.5% | 15.5% |
| Gross Margin | — | — | — | — | — | — |
| D/E Ratio | 24.80 | 24.80 | 24.80 | 24.80 | 24.80 | 24.80 |
| Current Ratio | — | — | — | — | — | — |
Key Ratios
ROA (TTM)
0.8%
P/S (TTM)
1.63
P/B
1.1
EPS (TTM)
$4.32
CF/Share
$3.46
Rev Growth 3Y
+15.5%
52W High
$41.12
52W Low
$28.70
$28.70
52-Week Range
$41.12
Financial Health
Free Cash Flow
$7.8M
Net Debt
-$135.1M
Cash
$204.7M
Total Debt
$69.6M
As of Sep 30, 2025
How does EFSI compare to Banking peers?
Peer group: Micro-cap Banking (All) · 289 companies
EFSI valuation vs Banking peers
P/E ratio
13.9
▲
11%
above
peers
(12.6)
vs Peers
vs Industry
Fair value
P/S ratio
1.6
▼
30%
below
peers
(2.3)
vs Peers
vs Industry
Undervalued
P/B ratio
1.1
▲
3%
above
peers
(1.1)
vs Peers
vs Industry
Fair value
Div yield
3.1%
▲
4%
above
peers
(3.0%)
vs Peers
vs Industry
In line
EFSI profitability vs Banking peers
ROE
13.5%
▲
50%
above
peers
(9.0%)
vs Peers
vs Industry
Top tier
Net margin
15.5%
▼
46%
below
peers
(28.6%)
vs Peers
vs Industry
Weak
Gross margin
—
—
vs Peers
vs Industry
Weak
ROA
0.8%
▼
12%
below
peers
(1.0%)
vs Peers
vs Industry
In line
EFSI financial health vs Banking peers
D/E ratio
24.8
▲
79%
above
peers
(13.8)
vs Peers
vs Industry
High debt
Current ratio
—
▼
0%
below
peers
(0.1)
vs Peers
vs Industry
Low liquidity
Beta
0.2
▼
71%
below
peers
(0.7)
vs Peers
vs Industry
More volatile
EFSI fundamentals radar
EFSI
Peer median
Industry
EFSI profitability vs leverage
Bubble size = market cap · X = net margin · Y = D/E ratio
EFSI vs peers: key metrics
Insider Activity
NeutralBuys
0
Sells
0
HAMBERGER SCOTT M
Director · Mar 11
909 shs
HAMBERGER SCOTT M
Director · Mar 11
600 shs
HILL EDWARD III
Director · Mar 05
939 shs
LOREY BRANDON CRAIG
Officer and Director · Mar 02
350 shs
HAMBERGER SCOTT M
Director · Feb 27
945 shs
HAMBERGER SCOTT M
Director · Jan 30
597 shs
Last 90 days
Top Holders
Top 5: 41.52%Fourthstone LLC
12.67%
$15.4M
Wellington Management Group…
8.91%
$10.8M
Vanguard Group Inc
8.43%
$10.2M
Blackrock Inc.
7.90%
$9.6M
Maltese Capital Management,…
3.61%
$4.4M
As of Dec 31, 2025
Dividends
$1.24
/ year
Feb 02, 2026
$0.3100
Nov 03, 2025
$0.3100
Aug 04, 2025
$0.3100
May 05, 2025
$0.3100
Feb 03, 2025
$0.3100
Nov 08, 2024
$0.3100
Aug 05, 2024
$0.3000
May 03, 2024
$0.3000
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