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EFSI

HOLD

Eagle Financial Services, Inc. · Financial Services · United States · $219M · Avg Vol: $3M/d

58
StockRank
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Q
54
V
58
M
40
P/E (TTM)
10.6x
ROE
10.0%
D/E
0.4x
Dividend %
3.0%

COMPANY DESCRIPTION

Eagle Financial Services is the holding company for Virginia Community Bank, providing local banking, lending, and investment services. The company maintains a conservative, relationship-driven moat, focusing on long-term client retention in its local Virginia market.

Loading 1Y...
PRICE (1Y)-6.9%
40.1440.8941.6442.3843.13Jun 12Jul 7Jul 27
SMA 50SMA 200
Close
$40.14
RSI (14)
48.7
52W High
$44.00
From 52W High
0.9%

SCORE BREAKDOWN

Quality
54
ROIC (ROA)
1.0%*36.1
ROE
10.0%52.1
GP/Assets
4.4%N/A
Op. Margin
30.4%49.1
FCF/Assets
1.2%N/A
Piotroski
389.6
Int. Cover
50.0
D/E Ratio
0.37xN/A
Current Ratio
bankN/A
Value
58
P/E (TTM)
10.6x66.9
EV/EBITDA
bankN/A
P/FCF
9.5xN/A
P/B
1.1x51.8
P/S
2.6x68.0
Div Yield
3.0%38.5
Momentum
40
52W High %
91%46.8
RS 6M
-6%40.4
SMA 50/200
1.08x67.8
EPS Rev 4W
N/A
EPS Rev 12W
N/A
EPS Improve
-7%17.2
Q Growth
-6%24.9

FUNDAMENTALS

Market Cap
$219M
P/E (Forward)
11.4x
Gross Margin

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of EFSI are excluded.

TickerCompanyMkt CapStockRankSignal
EFSIEagle Financial Services, Inc.(you)$219M58HOLD
MRBKMeridian Corporation$236M58HOLD
CZWICitizens Community Bancorp, Inc.$227M54HOLD
HNVRHanover Bancorp, Inc.$179M57HOLD
FNWDFinward Bancorp$193M55HOLD
RBKBRhinebeck Bancorp, Inc.$194M63HOLD
NKSHNational Bankshares, Inc.$233M65BUY
WNEBWestern New England Bancorp, Inc.$287M62HOLD
RMBIRichmond Mutual Bancorporation, Inc.$249M65HOLD
CBNAChain Bridge Bancorp, Inc.$277M64HOLD

Peer medians: ROE 9.4% · P/E 13.9x · Gross margin 100.0%

Eagle Financial Services, Inc. (EFSI) — Stock Score Summary

Eagle Financial Services, Inc. (EFSI) has a MoatMap StockRank of 58/100 based on Quality (54/100), Value (58/100), and Momentum (40/100) factor scores. The current signal is HOLD.

Eagle Financial Services is the holding company for Virginia Community Bank, providing local banking, lending, and investment services. The company maintains a conservative, relationship-driven moat, focusing on long-term client retention in its local Virginia market.

Key Financial Metrics

Price$40.14
Market Cap$219M
P/E (TTM)10.62
P/E (Forward)11.40
Price/Book1.11
Return on Equity10.0%
Debt/Equity0.37x
Operating Margin30.4%
Revenue Growth10.6%
Dividend Yield3.0%
Free Cash Flow$23M

Eagle Financial Services, Inc. operates in the Banks - Regional industry, part of the Financial Services sector (United States).

Frequently Asked Questions

What is Eagle Financial Services, Inc.’s (EFSI) StockRank?
MoatMap’s StockRank for Eagle Financial Services, Inc. (EFSI) is 58/100, with a Hold signal. It is a composite of Quality (54), Value (58), and Momentum (40) factor ranks across MoatMap’s 20,000+ stock universe.
Does Eagle Financial Services, Inc. have an economic moat?
Eagle Financial Services, Inc. (EFSI) has a Quality factor score of 54/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is Eagle Financial Services, Inc. a buy, hold, or sell?
MoatMap’s current signal for Eagle Financial Services, Inc. (EFSI) is Hold, based on a StockRank of 58/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.
What sector is Eagle Financial Services, Inc. in?
Eagle Financial Services, Inc. (EFSI) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).