Eagle Financial Services Inc (EFSI) stock
EFSINasdaqState Commercial BanksFiscal year ends December 31
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 9, 2026Score 10/3014% above fair value
$46.01+0.01 (+0.02%)
Close on Nov 13, 2026Market cap $248.99MP/E 13.9Yield 2.70%
Eagle Financial Services statistics
90 measures from SEC filings and the closing price. Hover a name for the formula; the last column is the median of companies in the same industry group.
Important dates
- Next earnings
- Jan 25, 2027 (estimated, after the close)
- Last ex-dividend date
- Nov 2, 2026
- Fundamentals through
- Sep 30, 2026
- Share price as of
- Nov 13, 2026
Valuation ratiosIndustry
- P/TBV Ratio
- 1.27
- 1.52
- P/OCF Ratio
- 9.37
- 9.82
Enterprise valuationIndustry
- EV / Sales
- 0.95
- 2.95
- EV / FCF
- 3.38
- 8.49
Share statisticsIndustry
- Shares Change (YoY)
- 14.5%
- 0.33%
- Shares Change (QoQ)
- 0.03%
- 0.00%
- Float
- 5M
- 17M
- Shares Held by Insiders
- 10.3%
- 6.05%
- Shares Held by Institutions
- 45.1%
- 61.3%
Short sellingIndustry
- Short Interest
- 121,402
- –
- Short Interest Change
- -20.4%
- -4.13%
- Short % of Float
- 2.50%
- 3.58%
- Short % of Shares Outstanding
- 2.24%
- 3.18%
- Days to Cover
- 2.80
- 4.85
Stock price statisticsIndustry
- 52-Week High
- $48.17
- –
- 52-Week Low
- $31.44
- –
- 20-Day Moving Average
- $45.98
- –
- 50-Day Moving Average
- $45.75
- –
- 200-Day Moving Average
- $40.68
- –
- Average True Range (14)
- $0.96
- –
- Price Change (1 Week)
- 0.66%
- 0.69%
- Price Change (1 Month)
- 0.57%
- 3.79%
- Price Change (3 Months)
- 5.31%
- -2.72%
- Price Change (6 Months)
- 23.5%
- 12.2%
- Price Change (YTD)
- 15.6%
- 19.9%
- Price Change (1 Year)
- 27.4%
- 25.7%
- Price Change (3 Years)
- 53.6%
- 65.1%
- Price Change (5 Years)
- 29.8%
- 26.9%
- Price Change (10 Years)
- 95.3%
- 66.8%
- Average Volume (10 Days)
- 45,979
- –
- Average Volume (20 Days)
- 45,852
- –
- Average Volume (90 Days)
- 48,930
- –
- Relative Volume
- 0.77
- 0.68
- Relative Strength Index (14)
- 52.8
- 53.1
- Volatility (1 Year)
- 25.3%
- 24.4%
- Beta (5 Years)
- 0.11
- 0.63
MarginsIndustry
- Pretax Margin
- 24.6%
- 37.0%
- FCF Margin
- 28.2%
- 33.9%
Returns on capitalIndustry
- Return on Equity (ROE)
- 9.35%
- 10.7%
- Return on Assets (ROA)
- 0.94%
- 1.16%
GrowthIndustry
- Revenue Growth (YoY)
- 30.5%
- 11.7%
- Net Income Growth (YoY)
- 76.9%
- 22.6%
- EPS Growth (YoY)
- 48.0%
- 21.6%
- FCF Growth (YoY)
- 19.7%
- 27.2%
- Revenue Growth (3Y CAGR)
- 2750.7%
- 5.82%
- Revenue Growth (5Y CAGR)
- 9.47%
- 6.17%
- EPS Growth (3Y CAGR)
- -27.5%
- 1.31%
- EPS Growth (5Y CAGR)
- -13.4%
- 8.24%
EfficiencyIndustry
- Asset Turnover
- 0.05
- 0.04
- Revenue Per Employee
- $358.47K
- $358.92K
- Profits Per Employee
- $70.10K
- $110.51K
- Employee Count
- 254
- 492
- WACC
- 7.60%
- 8.13%
Income statement (TTM)Industry
- Pretax Income
- $22.44M
- $74.07M
Balance sheetIndustry
- Net Cash (Debt)
- $162.29M
- $165.09M
- Net Cash Per Share
- $29.99
- $8.07
- Equity (Book Value)
- $195.29M
- $570.13M
- Book Value Per Share
- $36.09
- $28.12
- Tangible Book Value
- $195.29M
- $478.27M
Cash flow (TTM)Industry
- Capital Expenditures
- -$915.00K
- -$4.24M
- FCF Per Share
- $4.74
- $3.37
Dividends and yieldsIndustry
- Earnings Yield
- 7.15%
- 8.29%
- FCF Yield
- 10.3%
- 9.18%
- Dividend Yield
- 2.70%
- 2.44%
- Shareholder Yield
- 2.70%
- 3.26%
- Dividend Per Share
- $1.24
- $0.92
- Dividend Growth (YoY)
- 2.48%
- 4.26%
- Years of Dividend Growth
- 16
- 2
- Payout Ratio
- 37.6%
- 28.5%
- FCF Payout Ratio
- 26.1%
- 24.8%
Taxes and interestIndustry
- Income Tax
- $4.64M
- $16.14M
- Effective Tax Rate
- 20.7%
- 21.1%
Scores and fair valueIndustry
- Graham Number
- $51.76
- $45.07
- Graham Upside
- 12.5%
- 18.8%
- Altman Z-Score
- 0.23
- 0.22
- Piotroski F-Score
- 4
- 6
Total return vs. the S&P 500
Price change plus reinvested dividends, to the close on Nov 13, 2026. The S&P 500 is measured by the SPY fund.
| Period | EFSI | S&P 500 | Difference | EFSI per year | S&P 500 per year |
|---|---|---|---|---|---|
| 1 month | +1.3% | -3.0% | +4.4 pts | ||
| 3 months | +7.0% | -2.8% | +9.8 pts | ||
| Year to date | +19.2% | +11.5% | +7.7 pts | ||
| 1 year | +31.8% | +13.5% | +18.3 pts | ||
| 3 years | +68.7% | +77.7% | −9.0 pts | +19.1% | +21.1% |
| 5 years | +56.1% | +72.6% | −16.5 pts | +9.3% | +11.5% |
| 10 years | +174.7% | +308.2% | −133.5 pts | +10.6% | +15.1% |
Short interest
Shares sold short and not yet covered, reported by brokers to FINRA twice a month. Latest settlement date Oct 30, 2026.
0M EFSI shares were sold short on Oct 30, 2026, down 20.4% from the previous report, or 2.50% of the shares available to trade. At recent volumes it would take 2.8 days to buy them back. Over the last 20 sessions, 25.1% of the volume reported to FINRA was short selling.
| Settlement date | Shares short | Change | Avg. daily volume | Days to cover |
|---|---|---|---|---|
| Oct 30, 2026 | 121,402 | -20.4% | 43,335 | 2.8 |
| Oct 15, 2026 | 152,435 | +4.2% | 30,813 | 5.0 |
| Sep 30, 2026 | 146,299 | -1.5% | 35,954 | 4.1 |
| Sep 15, 2026 | 148,503 | +13.9% | 54,385 | 2.7 |
| Aug 31, 2026 | 130,424 | +12.5% | 49,233 | 2.6 |
| Aug 14, 2026 | 115,954 | +24.0% | 51,316 | 2.3 |
| Jul 31, 2026 | 93,507 | +14.2% | 64,991 | 1.4 |
| Jul 15, 2026 | 81,847 | -14.9% | 82,808 | 1.0 |
| Jun 30, 2026 | 96,226 | -0.2% | 95,424 | 1.0 |
| Jun 15, 2026 | 96,426 | +7.3% | 33,678 | 2.9 |
| May 29, 2026 | 89,836 | -4.0% | 29,542 | 3.0 |
| May 15, 2026 | 93,538 | +2.7% | 14,035 | 6.7 |
Ratios use trailing-twelve-month results and the latest balance sheet. How we calculate.
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