What is Eagle Financial Services, Inc.'s (EFSI) StockRank?

MoatMap's StockRank for Eagle Financial Services, Inc. (EFSI) is 65/100, with a Hold signal. This is a composite score combining Quality (49), Value (54), and Momentum (57) factor ranks across MoatMap's universe of 25,000+ stocks.

Does Eagle Financial Services, Inc. have an economic moat?

Eagle Financial Services, Inc. (EFSI) has a Quality factor score of 49/100. 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 financial 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 65/100. 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).

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EFSI

HoldSecond Wind

Eagle Financial Services, Inc. · Financial Services · United States · $225M · Avg Vol: $2M/d

StockRank

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P/E (TTM)

11.8x

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.

FINANCIAL SUMMARY (USD)

Year	2022	2023	2024	2025	CAGR	TTM	2026E	2027E	Fwd CAGR
Revenue	61.3M	63.1M	64.8M	66.5M	2.8%	83.0M	65.1M	67.4M	0.7%
EPS	4.17	2.66	4.32	1.59	-27.5%	3.54	1.40	1.55	-1.3%
Shares	3.5M	3.5M	3.5M	5.4M	+54.0%	5.4M	—	—	—
Debt	204.4M	194.4M	149.5M	69.6M	-30.2%	40.1M	—	—	—
Equity	101.7M	108.4M	119.0M	188.8M	22.9%	—	—	—	—
Op CF	13.8M	6.9M	18.8M	25.8M	23.1%	9.2M	—	—	—
Inv CF	-331.3M	-130.3M	16.7M	-1.0M	—	—	—	—	—
Fin CF	320.3M	194.9M	19.3M	-0.8M	—	—	—	—	—

Loading 1Y...

PRICE (1Y)+11.3%

SMA 50SMA 200

$45.66

RSI (14)

70.3

52W High

$47.07

From 52W High

1.0%

SCORE BREAKDOWN

Quality

ROIC (ROA)

1.0%*35.1

ROE

10.0%50.5

GP/Assets

4.4%N/A

Op. Margin

30.4%46.7

FCF/Assets

1.2%N/A

Piotroski

567.4

Int. Cover

—50.0

D/E Ratio

0.37xN/A

Current Ratio

bankN/A

Value

P/E (TTM)

11.8x57.3

EV/EBITDA

bankN/A

P/FCF

9.7xN/A

P/B

1.2x51.5

P/S

2.7x64.6

Div Yield

3.0%41.5

Momentum

52W High %

97%86.5

RS 6M

29%91.9

SMA 50/200

1.08x66.4

EPS Rev 4W

-5.3%5.7

EPS Rev 12W

—N/A

EPS Improve

-5%17.3

Q Growth

-6%22.5

FUNDAMENTALS

Market Cap

$225M

P/E (Forward)

12.5x

Gross Margin

—

SECTOR PEERS

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

Ticker	Company	Mkt Cap	StockRank	Signal
EFSI	Eagle Financial Services, Inc.(you)	$225M	65	Hold
CFBK	CF Bankshares Inc.	$225M	64	Hold
RMBI	Richmond Mutual Bancorporation, Inc.	$255M	66	Buy
MNSB	MainStreet Bancshares, Inc.	$179M	65	Buy
HNVR	Hanover Bancorp, Inc.	$189M	67	Buy
EBMT	Eagle Bancorp Montana, Inc.	$181M	62	Hold
RBKB	Rhinebeck Bancorp, Inc.	$197M	60	Hold
QNBC	QNB Corp.	$281M	69	Buy
LCNB	LCNB Corp.	$277M	69	Buy
ECBK	ECB Bancorp, Inc.	$181M	69	Buy

Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%

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

Eagle Financial Services, Inc. (EFSI) has a MoatMap StockRank of 65/100 based on Quality (49/100), Value (54/100), and Momentum (57/100) factor scores. The current signal is HOLD.

Key Financial Metrics

Price	$45.66
Market Cap	$225M
P/E (TTM)	11.84
P/E (Forward)	12.47
Price/Book	1.15
Return on Equity	10.0%
Debt/Equity	0.37x
Operating Margin	30.4%
Revenue Growth	10.6%
Dividend Yield	3.0%
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 65/100, with a Hold signal. It is a composite of Quality (49), Value (54), and Momentum (57) factor ranks across MoatMap’s universe of 25,000+ stocks.
Does Eagle Financial Services, Inc. have an economic moat?: Eagle Financial Services, Inc. (EFSI) has a Quality factor score of 49/100. 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 65/100. 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).