Eagle Financial Services, Inc.EFSI

$41.74+0.53 (+1.29%)
NASDAQFinancial Services24:00 UTC

Company snapshot

Market Cap
$226M
Micro-cap
+162%
2016 — today
10-Year Price
+70%
2016 — today
52-Week Range
$29.00$43.13
Current $41.74· 90%

Eagle Financial Services, Inc. functions as the parent company for Bank of Clarke County, delivering a comprehensive array of retail and commercial banking solutions across the Shenandoah Valley and Northern Virginia regions. Their core offerings include various deposit accounts, such as checking, NOW, money market, and standard savings accounts, alongside both demand and time deposits. The institution maintains a diverse loan portfolio, encompassing financing for single-to-four-family residential properties, commercial real estate ventures, construction and land development projects, and commercial and industrial enterprises. Additionally, they provide a range of consumer lending options, both secured and unsecured, including personal installment loans, lines of credit, auto loans, and credit card services. Beyond traditional banking, Eagle Financial Services offers personal and retirement planning assistance. Their investment services are extensive, featuring tax-deferred annuities, IRAs and rollovers, mutual funds, retirement and college savings plans, various insurance products (life, long-term care), fixed-income investments, brokerage CDs, and both full-service and discount brokerage options. They also facilitate non-deposit investment products and provide title insurance. To ensure convenient access, the company supports ATM and debit card services, alongside modern telephone, internet, and mobile banking platforms. For commercial clients, specialized services like ACH origination and remote deposit capture are available. The company's physical presence includes twelve full-service branches, two loan production offices, a dedicated wealth management office, and a drive-through only facility. Complementing these are 13 ATM locations, strategically placed throughout the Virginia communities of Berryville, Winchester, Boyce, Stephens City, Purcellville, Warrenton, Leesburg, Ashburn, and Fairfax. Established in 1881, Eagle Financial Services, Inc. is headquartered in Berryville, Virginia.

Valuation in context

P/E ratio
11.9
Above average
Pricier than usual over the last 10 years
P/B ratio
1.2
Above average
Pricier than usual over the last 10 years
EV / EBITDA
12.7
Historically pricey
Historically pricey — last 10 years
Dividend Yield
3.0%
Historically low
Historically low relative to the last 10 years
PEG ratio
17.0
Near historic high
Near historic highs — last 10 years
FCF Yield
11.2%
Above average
Above the 10-year average
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