EAGLE FINANCIAL SERVICES INC (EFSI)
Financials · regional banking · NASDAQ
Eagle Financial Services, Inc. is a Virginia-based community bank holding company providing comprehensive retail, commercial, and wealth management services.
What EAGLE FINANCIAL SERVICES INC does
Eagle Financial Services, Inc. is a bank holding company that operates through its subsidiary, Bank of Clarke. It provides a wide range of retail and commercial banking services, including deposits, consumer and commercial loans, and wealth management services across its market area in Virginia and Maryland.
Recent developments
In Q2 2026, the company completed the sale of its membership interest in Bearing Insurance Group, LLC, recognizing a $3.5 million pre-tax gain. Management noted that quarterly earnings were impacted by a higher provision for credit losses despite solid underlying performance and loan growth.
From EAGLE FINANCIAL SERVICES INC's filing of 2026-08-10.
Themes: community banking, wealth management, commercial lending
Fundamentals
- Price$45.80 as of 2026-10-08 close
- Market cap$248M as of 2026-08-04 (share count; price 2026-10-08)
- 1-year return+23.2% 2025-10-08 close $37.16 → 2026-10-08 close $45.80
- P/E10.60 as of 2026-10-08
- ROE+4.3% FY2025, SEC XBRL
- Debt / equity0.25 as of 2026-09-03
- Beta0.49 as of 2026-09-03
- Last reported earnings2026-07-23 SEC EDGAR Form 8-K (Item 2.02)
Dividend: yield +2.7%; at least 17 years of non-decreasing per-share dividends (SEC XBRL) — we do not hold the year before it, so the real streak may be longer.
How EFSI compares in its sector
- price-to-earnings ratiomiddle range 513 covered Financials peers, as of 2026-10-08
- return on equitybottom 25% 559 covered Financials peers, as of 2026-09-03
- indicated dividend yieldmiddle range 468 covered Financials peers, as of 2026-09-03
- free cash flow (absolute dollars, latest fiscal year)bottom 25% 430 covered Financials peers, as of FY2025
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
Dividend coverage (FY2025)
Covered by reported results. In FY2025, EFSI's dividend was covered by reported results (earnings payout 74%, free-cash-flow payout 25%). This describes past coverage, not a forecast.
- Earnings payout74% dividends / net income
- Free-cash-flow payout25% dividends / (operating cash flow − capex)
Coverage derived from reported SEC EDGAR XBRL figures for FY2025 (dividends paid vs. net income and free cash flow, same fiscal year). This describes PAST coverage for one fiscal year — it does not predict whether a dividend will be maintained, raised, or cut, and a one-year payout ratio can be distorted by non-recurring items. Informational only — not financial advice.
How EAGLE FINANCIAL SERVICES INC looks technically
EAGLE FINANCIAL SERVICES INC (EFSI) is trading 14.9% above its 200-day average, the long-term trend line — a longer-term uptrend. Its 50-day average crossed above its 200-day average about 89 trading days ago — a "golden cross", a bullish long-term signal. A strong uptrend is in place — ADX, a 0–100 trend-strength gauge, is 41, with buyers in control. Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 59, neither overbought (above 70) nor oversold (below 30). It made a new 20-day high about 18 trading days ago. It is 4.9% below its all-time high. Day-to-day price swings are unusually narrow versus its own recent history — a "Bollinger squeeze" (in the tightest 2% of the past ~6 months), which often precedes a bigger move.
Trend
8
| Distance from the 200-day | it is trading 14.9% above its 200-day average, the long-term trend line — a longer-term uptrend | +14.9% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $43.69 | $43.69 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $39.87 | $39.87 |
| Swing structure | each recent peak has been higher than the one before it and each dip has been shallower — the pattern chart-watchers call an uptrend, which describes where price has already been and not where it goes next | higher highs and higher lows |
| Last swing turn | its last significant turn was a swing low 7 calendar days ago — the swings before that are what the structure reading is measured on | 7 sessions |
| Wave structure | its recent swings can be read as a five-part upward sequence — what Elliott-wave chartists call an impulse — now in leg 3 of five; the labelling fails if price closes below 45. It is one of several labellings that fit, and it describes the swings already printed, not what comes next. The same swings also read as a three-part correction in leg C. | possible upward five-wave sequence, in wave 3 (one of several readings) |
| Since the 50/200 cross | its 50-day average crossed above its 200-day average about 89 trading days ago — a "golden cross", a bullish long-term signal | 89 sessions |
| Trend strength (14-day ADX) | a strong uptrend is in place — ADX, a 0–100 trend-strength gauge, is 41, with buyers in control | 40.7 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 59, neither overbought (above 70) nor oversold (below 30) | 59.2 |
|---|---|---|
| Position in its 14-day range | it is trading around the middle of its 14-day range ($45.00 to $46.72) — its "stochastic" reading is 46 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been climbing within that range over the last few sessions. | 46.2 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, is in negative territory (momentum leaning bearish) | 11 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $48.17 | $48.17 |
|---|---|---|
| From the 52-week high | it is 4.9% below its 52-week high (its highest price of the past year) | -4.9% |
| Above the 52-week low | it is 45.7% above its 52-week low (its lowest price of the past year) | +45.7% |
| Below the 52-week high | it is 4.9% below its highest point of the past year | 4.9% |
| Since a 20-day breakout | it made a new 20-day high about 18 trading days ago | 18 sessions |
| Since a 55-day breakout | it made a new 55-day high about 18 trading days ago | 18 sessions |
| All-time high | its highest closing price on record is $48.17 (set on 2026-09-16) | $48.17 |
| Given back of the 52-week move | over the past year its closes ranged ($32.01 to $46.58), and it has given back only a small part of its rise from last year’s low — 5% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $37.11 to $37.58. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 5.4% |
| From the all-time high | it is 4.9% below its all-time high | -4.9% |
| Nearest price level | it is trading 1.3% above a support level at $45.22 — a price it turned at twice since 2026-08-17, most recently on 2026-10-01. Since 2024-10-08 it has 13 such levels below the current price and 0 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | -1.3% |
| All-time low | its lowest closing price on record is $11.00 (set on 2009-03-09) | $11.00 |
| Above the all-time low | it is 316.3% above its all-time low | +316.3% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are unusually narrow versus its own recent history — a "Bollinger squeeze" (in the tightest 2% of the past ~6 months), which often precedes a bigger move | 2nd percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $1.01 between its high and its low — about 2.2% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $1.01 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $45.08 and $46.37 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $45.08 – $45.73 – $46.37 |
| Typical daily range (% of price) | its price moves about 2.2% in a typical session — calmer than most companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 2.2% |
| Stretch from the 200-day average | it is trading 5.9 daily ranges above its 200-day average price (14.9% above it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 5.9 daily ranges above its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is about normal versus its 30-day average | 0.76× |
|---|
Analyst
2
| Change in the average price target | analysts' average price target is unchanged from the prior reading | 0.0% |
|---|---|---|
| Change in the consensus rating | not available for this company yet | n/a |
Candlestick patterns
1
| Since a doji | today it opened and closed at almost the same price after trading through a wider range — a "doji", the classic picture of buyers and sellers finishing the session level | today |
|---|
Price gaps
2
| Gap at the open | it opened on 2026-10-08 0.3% above the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and traded back through that level before the close | +0.3% |
|---|---|---|
| Open gap | it gapped 2.1% above the previous close 22 sessions ago and has not traded back through the level it left behind at 41.9 — an "unfilled gap", which describes a price range no trade has since crossed and is not a forecast that it will be crossed | +2.0% |
Price streaks
1
| Closing streak | it closed higher in its latest session, after a session that did not close higher — a single up day rather than a run | 1 session up |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock lagged the market by 2.1 percentage points (the stock lost 1.0% while the market gained 1.0%) | -2.1% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock beat the market by 9.8 percentage points (the stock gained 13.6% while the market gained 3.8%) | +9.8% |
| vs market, 6 months | over the past 6 months this stock beat the market by 9.2 percentage points (the stock gained 26.6% while the market gained 17.5%) | +9.2% |
| vs market, 12 months | over the past 12 months this stock beat the market by 8.3 percentage points (the stock gained 23.2% while the market gained 15.0%) | +8.3% |
Signal agreement
2
| Bullish technical signals | 5 of the 9 technical signals we can compute for it are currently in a bullish state: a "golden cross" — its 50-day average is above its 200-day, trading above its 200-day average, a strong uptrend, with buyers in control, outperforming the market over 6 months, trading above the Ichimoku cloud — these describe past price behaviour, not a forecast | 5 of 9 |
|---|---|---|
| Bearish technical signals | 1 of the 9 technical signals we can compute for it is currently in a bearish state: MACD momentum is negative — these describe past price behaviour, not a forecast | 1 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 8.0% above the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-09-01 and projected forward over today's price, the side traders read as an established uptrend, with the band below acting as the level that would have to give way. The band itself is thin, spanning 0.0% of the share price, which is taken to mean a barrier that gives way easily. | +8.0% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 11% above the average price paid so far this year, so the typical buyer over that stretch is showing a gain. That average is $41.26 — a volume-weighted average of daily closes over 192 sessions, not a true tick-by-tick VWAP. | +11.0% |
|---|---|---|
| Vs the average paid since it last reported | the price is 6% above the average price paid since it last reported on 2026-07-23 (its 8-K), so the typical buyer over that stretch is showing a gain. That average is $43.17 — a volume-weighted average of daily closes over 54 sessions, not a true tick-by-tick VWAP. | +6.1% |
Price levels it has turned at before
EFSI last closed at $45.80 on 2026-10-08. Since 2024-10-08 it has turned at 13 prices below its last close and 0 above; the 3 nearest below are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $45.22 | Support | 1.3% below the last close | turned there twice · 2026-08-17 to 2026-10-01 |
| $43.15 | Support | 5.8% below the last close | turned there four times · 2026-06-24 to 2026-07-29 |
| $41.07 | Support | 10.3% below the last close | turned there three times · 2025-12-19 to 2026-06-17 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
Its recent swings can be read as a five-part upward sequence — what Elliott-wave chartists call an impulse — now in leg 3 of five.
This labelling fails — stops being a possible reading at all — if it closes below $45.00.
This is one of several labellings that fit the same swings, so treat it as a reading rather than the reading. It was chosen from 2 labellings that survived the rules, counting shorter readings of the same bars.
On past moves of this shape the leg has usually ended somewhere between $52.62 and $57.33 — that is where it has tended to end if the count holds, not a forecast of where the price goes.
Alternate reading: The same swings also read as a three-part correction in leg C, which fails on a close below $45.00.
This reading has stood for 1 trading day, since 2026-10-08.
Read from daily closes as of 2026-10-08.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading above the 200-day moving average · in a Bollinger Band volatility squeeze · in a strong, established uptrend (ADX) · Near the all-time high · beating the market · Printed a doji candle | Learn: moving average · golden cross · adx · rsi · breakout · all time high · bollinger bands
Based on daily closing prices as of 2026-10-08. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Consensus ratingHold (2.67 mean, 1=Strong Buy…5=Strong Sell) — 3 analysts
- Mean price target$44.33 range $43.00 – $46.00; median $44.00
Analyst estimates, as of 2026-10-08. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.
Analyst EPS estimate for EFSI
- Consensus EPS estimate$0.875 next reporting period, as of 2026-10-08
- Estimate change, 30 days$0.00 (0.0%) from $0.875, on 2026-09-03, 35-day window
- Readings revised upward11% of 9 comparable readings
The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.
Key risks (from latest filing)
["Credit risk and the need for provisions for credit losses, which can materially impact earnings.","Interest rate sensitivity and the ability to maintain net interest margin.","Regulatory compliance risk inherent in operating a bank holding company."]
What changed in the latest 10-Q
AI-assisted comparison of EFSI's 10-Q filed 2026-08-10 against the prior one filed 2026-05-11.
Management's Discussion & Analysis (MD&A)
- Added:
- Newer filing (2026-08-10) states: 'Operating results for the three and six months ended June 30, 2026 are not necessarily indicative...'
- Newer filing (2026-08-10) states: 'At June 30, 2026, the Company had total assets of $1.85 billion, net loans of $1.48 billion, total deposits of $1.60 billion, and shareholders' equity of $193.9 million.'
- Removed:
- Older filing (2026-05-11) states: 'Operating results for the three months ended March 31, 2026 are not necessarily indicative...'
- Older filing (2026-05-11) states: 'At March 31, 2026, the Company had total assets of $1.84 billion, net loans of $1.44 billion, total deposits of $1.60 billion, and shareholders' equity of $190.3 million.'
- Reworded:
- The newer filing (2026-08-10) references 'the three and six months ended June 30, 2026' in the introductory paragraph, while the older filing (2026-05-11) references 'the three months ended March 31, 2026'.
- Notes:
- Older filing text appears to end mid-sentence ('Our most significant policies are described in in'), and the newer filing appears truncated at 'Our most significant policies are described in', so later portions of the MD&A could not be compared.
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
No open-market insider purchases or sales recorded in the last 90 days, of which we have read Form 4 filings through 2026-10-05. The 4 days since 2026-10-05 have not been checked yet.
- Last 180 days · read to 2026-10-050 buys · 1 sell ($14725) — 1 selling insider
Cluster buying: 3 different insiders reported open-market purchases (SEC code P) of EFSI within a 30-day window between 2026-02-27 and 2026-03-11. Disclosed Form 4 activity, not a prediction of performance or a buy signal.
Most recent open-market transaction: 2026-04-29. Based on Form 4 filings read through 2026-10-05; anything filed since is not yet included.
View full insider trading history → View SEC Form 3/4/5 filingsAsk about EFSI's insider activity →
Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Institutional ownership (13F)
4 institutional 13F filers reported holding EFSI as of 2026-06-30 (quarter-end position, filed within 45 days).
- Distinct 13F filers 4
- Reported shares held 502,888
- Reported value $20,849,736
reported quarterly holdings change (2026-03-31 → 2026-06-30): 0 new, 3 increased, 0 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Ask about EFSI's institutional holders → See what each manager we track holds →
Short interest (FINRA)
EFSI had 148,503 shares of reported short interest as of the 2026-09-15 FINRA settlement date (delayed, bi-monthly; not real-time).
EFSI had 2.74% of its shares outstanding sold short as of the 2026-09-15 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 2.73 days to cover at the same settlement.
- Reported short interest (shares) 148,503
- Short interest (% of shares outstanding) 2.74%
- Prior settlement (shares) 130,424
- Reported change 13.86%
- Days to cover (reported) 2.73
Reported to FINRA as of the 2026-09-15 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- TowneBank (TOWN)
- Carter Bankshares (CARE)
- United Bankshares (UBSI)
- Community Financial Corporation (TCFC)
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
Compare EFSI vs…
Frequently asked questions
What does EAGLE FINANCIAL SERVICES INC (EFSI) do?
Eagle Financial Services, Inc. is a bank holding company that operates through its subsidiary, Bank of Clarke. It provides a wide range of retail and commercial banking services, including deposits, consumer and commercial loans, and wealth management services across its market area in Virginia and Maryland.
What sector is EAGLE FINANCIAL SERVICES INC (EFSI) in?
EAGLE FINANCIAL SERVICES INC (EFSI) is classified in the Financials sector. Its industry is regional banking. It trades on NASDAQ.
Does EFSI pay a dividend?
Yes — EAGLE FINANCIAL SERVICES INC (EFSI) pays a dividend, with an indicated yield of about 2.70% and at least 17 years of non-decreasing per-share dividends (SEC EDGAR XBRL) — we do not hold the year before it, so the real streak may be longer (market data, as of 2026-09-03). Informational only — not financial advice.
Who are EAGLE FINANCIAL SERVICES INC's (EFSI) competitors?
Notable peers of EAGLE FINANCIAL SERVICES INC (EFSI) include TowneBank, Carter Bankshares, United Bankshares and Community Financial Corporation. This peer set is informational only — not financial advice.
Is EAGLE FINANCIAL SERVICES INC (EFSI) overbought or oversold right now?
EAGLE FINANCIAL SERVICES INC (EFSI) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 59, in the neutral middle (as of 2026-10-08). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on EFSI come from?
Fundamentals come from SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest; prices are market data, as of 2026-09-03; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-10-08.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.