Eagle Financial Services, Inc.
Research Eagle Financial Services, Inc. (EFSI) on Bullrun: valuation model: 12.9% overvalued, market cap USD 247.44M, P/E 13.9, dividend yield 2.7%. Explore financials, valuation history, model signals, and stock context.
Key Metrics
- TickerEFSI
- ExchangeNASDAQ
- CountryUnited States
- SectorFinancial Services
- IndustryBanks-Regional
- CurrencyUSD
- Valuation signal12.9% overvalued
- Market capUSD 247.44M
- P/E13.9
- Dividend yield2.7%
- Financial periodQ3 2026
- Net incomeUSD 4.75M
- Free cash flowUSD 25.43M
Valuation Snapshot
Bullrun's latest valuation model marks Eagle Financial Services, Inc. as 12.9% overvalued; latest market cap is USD 247.44M; P/E is 13.9; dividend yield is 2.7%.
Peer valuation comparison
Latest P/E is 13.87x versus a Financial Services sector median of 13.04x (6.3% above).
Latest dividend yield is 2.7% versus a Financial Services sector median of 3.48% (22.4% below).
Five-year financial history
| Year | Revenue | Net income | Free cash flow | Gross margin | Diluted EPS | Cash | Total debt | Equity |
|---|---|---|---|---|---|---|---|---|
| FY2025 | USD 66.45M | USD 8.21M | USD 24.35M | n/a | 1.59 | USD 117.93M | USD 69.58M | USD 188.84M |
| FY2024 | USD 64.77M | USD 15.34M | USD 17.74M | n/a | 4.32 | USD 175.72M | USD 149.51M | USD 118.99M |
| FY2023 | USD 63.08M | USD 9.36M | USD 5.80M | n/a | 2.66 | USD 112.07M | USD 194.44M | USD 108.38M |
| FY2022 | USD 61.26M | USD 14.52M | USD 12.98M | n/a | 4.17 | USD 66.53M | USD 204.38M | USD 101.73M |
Valuation history
| Year | Snapshot date | Market cap | P/E | Dividend yield | Annual dividend/share |
|---|---|---|---|---|---|
| 2026 | 2026-11-06 | USD 247.44M | 13.9 | 2.7% | 1.24 |
| 2025 | 2025-12-31 | USD 213.89M | 30.6 | 3.1% | 1.24 |
| 2024 | 2024-12-31 | USD 128.16M | 8.4 | 3.3% | 1.21 |
| 2023 | 2023-12-29 | USD 105.63M | 10.4 | 4.0% | 1.2 |
| 2022 | 2022-12-30 | USD 125.47M | 9.2 | 4.0% | 1.43 |
| 2021 | 2021-12-31 | USD 119.68M | 10.8 | 3.2% | 1.1 |
Dividend history
Latest trailing dividend snapshot: annual dividend/share 1.24 USD, yield 2.7%.
| Year | Dividends/share |
|---|---|
| FY2025 | 1.24 USD |
| FY2024 | 1.21 USD |
| FY2023 | 1.2 USD |
| FY2022 | 1.43 USD |
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.
ETFs that hold Eagle Financial Services, Inc.
US-listed ETFs
Eagle Financial Services, Inc. is held by 25 US-listed ETFs, going by the latest portfolios they filed with the SEC. The 8 most traded of them:
| ETF | Weight | Fee |
|---|---|---|
| iShares Russell 2000 ETF (IWM) | 0.01% | 0.19% |
| Vanguard Morningstar Total Stock Market ETF (VTI) | <0.01% | 0.03% |
| Vanguard Russell 2000 Index Fund ETF Shares (VTWO) | 0.01% | 0.06% |
| iShares Russell 2000 Value ETF (IWN) | 0.01% | 0.24% |
| Vanguard Extended Market Index Fund ETF Shares (VXF) | <0.01% | 0.05% |
| U.S. Core Equity 2 Portfolio-ETF Class Shares (DFAC) | <0.01% | 0.17% |
| U.S. Small Cap Portfolio-ETF Class Shares (DFAS) | <0.01% | 0.26% |
| DFA U.S. Small Cap Value Portfolio – ETF Class Shares (DFSV) | <0.01% | 0.30% |
Portfolios as filed with the SEC on Form N-PORT, dated May to July 2026. Brokers in the EU generally do not offer US-listed ETFs to retail investors.
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Frequently asked questions
Is Eagle Financial Services, Inc. overvalued or undervalued?
Bullrun's valuation model currently marks Eagle Financial Services, Inc. as 12.9% overvalued.
What is Eagle Financial Services, Inc.'s market cap?
Eagle Financial Services, Inc.'s market capitalization is USD 247.44M.
What is Eagle Financial Services, Inc.'s P/E ratio?
Eagle Financial Services, Inc.'s price-to-earnings (P/E) ratio is 13.9.
Does Eagle Financial Services, Inc. pay a dividend?
Eagle Financial Services, Inc. has a dividend yield of 2.7%.
What does Eagle Financial Services, Inc. do?
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.