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Verdict
Quantitative factor alignment verified for current market regime.
Quant Score
Rank
#2310
Positioning
Market Dominance
Finance, Insurance, And Real Estate
Banking
$202M
Pending
Eagle Financial Services, Inc. provides various retail and commercial banking products and services in the Shenandoah Valley and Northern Virginia. The company's deposit products include checking, NOW, money market, and regular savings accounts; and demand and time deposits. Its loan portfolio comprises one-to-four-family residential real estate, commercial real estate and construction and land development, and commercial and industrial loans.
Headcount
230
HQ Base
Pending Verification
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Dates updated upon official exchange announcement.
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X-AXIS: EV/EBITDA (LOWER = CHEAPER) | Y-AXIS: ROE (HIGHER = ELITE) | RED CIRCLE = EFSI ANALYSIS TARGET
| Stock | Rating | Score▼ | Quality | Value | Momentum | P/E | EV/EBITDA | ROE | ROA | Gross Mgn | Op Mgn | Net Mgn | Rev Growth | Div Yield | D/E | Mkt Cap | AUDIT |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
$SII SPROTT INC. | 75 | 91 | 87 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PUK PRUDENTIAL PLC | 73 | 88 | 97 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$NMR NOMURA HOLDINGS INC | 72 | 81 | 92 | 87 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PSLV Sprott Physical Silver Trust | 69 | 82 | 80 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$UFCS UNITED FIRE GROUP INC | 68 | 81 | 93 | 76 | 5.0x | 3.5x | 13.2% | 4.1% | 99.9% | 14.7% | 11.1% | 9.2% | 2.1% | 16.0x | $775M | VS | |
$SLF SUN LIFE FINANCIAL INC | 68 | 83 | 95 | 63 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$CBOE Cboe Global Markets, Inc. | 68 | 75 | 63 | 77 | 21.3x | 15.7x | 24.0% | 13.7% | 41.7% | 32.4% | 26.4% | 8.2% | 1.1% | 30.0x | $25.7B | VS | |
$VTMX Vesta Real Estate Corporation, S.A.B. de C.V. | 67 | 69 | 77 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PHYS Sprott Physical Gold Trust | 67 | 64 | 82 | 91 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$GLDM World Gold Trust | 66 | 54 | 85 | 92 | 11.3x | 11.3x | - | 20.9% | 100.0% | 97.1% | 554.8% | -19.0% | 0.0% | - | $32.0B | VS | |
$EFSI EAGLE FINANCIAL SERVICES INC | 48 | 34 | 60 | 66 | 28.4x | 22.6x | 11.5% | 0.4% | 0.0% | -5.9% | 9.0% | 57.5% | 1.7% | 37.0x | $202M | ||
| SECTOR BENCH | - | - | - | - | - | 11.9x | 7.8x | 9.0% | 1.3% | 77.7% | 18.1% | 21.9% | 10.7% | 2.0% | 0.5x | - | REF |
EAGLE FINANCIAL SERVICES INC (EFSI) receives a "Reduce" rating with a composite score of 48.1/100. It ranks #2310 out of 7,333 stocks in our coverage universe and carries a 2-star rating. Ratings are driven by a 6-factor quantitative model measuring quality, value, momentum, investment, stability, and short interest.
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Outperforming peers — winners tend to keep winning over 3-12 months
Fair valuation relative to peers
Weak fundamentals — higher risk of value trap
Low volatility — smoother ride and historically better risk-adjusted returns
Aggressive spending — empire-building risk, dilutive growth
Mid-range overall rating
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Relative valuation derived from Finance, Insurance, And Real Estate sector benchmarks. Model weights: EV/EBITDA (40%), P/B (35%), P/S (25%). Re-calculated daily.
Projection based on user-defined inputs. Re-calculated daily against current market data.
Reverse DCF Framework — Mauboussin Methodology
Institutional-grade Reverse DCF analysis. This model identifies the growth hurdles embedded in current market prices. When implied growth is significantly lower than historical or projected rates, a margin of safety may exist. Re-audited daily.
No analyst ratings for EFSI.
View All Ratings| Factor | Global | Sector | Tilt |
|---|---|---|---|
| PROFITABILITY | 34 | 64 | -30DRAG |
| MOMENTUM | 66 | 73 | -7DRAG |
| VALUATION | 60 | 83 | -23DRAG |
| INVESTMENT | 26 | 25 | +1NEUTRAL |
| STABILITY | 75 | 84 | -9DRAG |
| SHORT INT | 16 | 3 | +13ALPHA |
Global = full universe. Sector = relative to industry peers. Positive tilt indicates idiosyncratic strength.
ROIC 10.1% vs WACC 9.8% (spread +0.3%)
GM 0% vs sector 78%, OM -6% vs sector 18%
Capital turnover 0.48x
Rev growth 58%, 10yr history
Interest coverage 0.8x, Net debt/EBITDA 7.8x
Composite assessment of profitability, capital efficiency, and financial strength. Top-tier entities demonstrate sustainable cash flow generation and elite competitive moats.
Profit generated per dollar of shareholder equity
Efficiency of asset utilization
Pricing power and cost efficiency
Core business profitability
Bottom-line profitability
The Quality factor evaluates the persistence and magnitude of realized cash flows. Companies with scores >70 exhibit superior pricing power and structural financial resilience through diverse economic regimes.
Our uncertainty rating tracks the predictability of future cash flows and potential for permanent capital loss. Moderate visibility with standard industry cyclicality.
We rate EAGLE FINANCIAL SERVICES INC (EFSI) as a Reduce with a composite score of 48.1/100 at a current price of $37.14. The quantitative profile shows weakness across multiple dimensions, suggesting limited upside potential.
EAGLE FINANCIAL SERVICES INC holds a top-quartile position (#0 of 50) within the Finance, Insurance, And Real Estate sector, based on our composite quantitative scoring across quality, value, momentum, and stability factors. The composite score of 48.1/100 places it at rank #2310 in our full universe.
The near-term outlook is constructive, with revenue growing at 58% and momentum in the 66th percentile confirming positive market sentiment. The combination of strong top-line growth and favorable price dynamics suggests the company is executing well on its growth strategy.
No Moat
Low
Standard
Fair Value
Positive momentum indicates institutional accumulation.
Stable competitive position in a defensive sector.
Below-average quality raises earnings sustainability concerns.
Vulnerability to macroeconomic shocks and interest rate volatility.
EAGLE FINANCIAL SERVICES INC represents a reduce based on multi-factor quantitative performance.
EAGLE FINANCIAL SERVICES INC receives a Reduce rating from our analysis, with a composite score of 48.1/100 and 2 out of 5 stars, ranking #2310 out of 7,333 stocks. EFSI's factor profile shows weakness across multiple dimensions, suggesting the stock may underperform going forward. Existing holders may want to consider trimming positions or tightening stop-losses.
EFSI's quality score of 34/100 is below average, suggesting challenges with profitability or capital efficiency. The company reports a return on equity of 11.5% (sector avg: 9.0%), gross margins of 0.0% (sector avg: 77.7%), net margins of 9.0% (sector avg: 21.9%). Investors should examine whether management is actively addressing these weaknesses or if they reflect structural industry headwinds.
EFSI's value score of 60/100 indicates the stock is fairly valued based on its current fundamentals. Key valuation metrics include a P/E ratio of 28.42x, an EV/EBITDA of 22.60x, a P/B ratio of 1.09x. At this level, neither a clear bargain nor overpriced, the stock's attractiveness depends more on forward growth expectations and qualitative factors.
EAGLE FINANCIAL SERVICES INC's investment score of 26/100 suggests limited reinvestment activity. Key growth metrics include revenue growth of 57.5% vs. a sector average of 10.7% and a return on assets of 0.4% (sector: 1.3%). While this can be positive for mature, cash-generative businesses returning capital to shareholders, it may also signal a lack of growth opportunities or management conservatism.
EFSI demonstrates moderate momentum with a score of 66/100, suggesting a neutral price trend without strong directional conviction. Revenue growth stands at 57.5% year-over-year, while a beta of 0.63 reflects its sensitivity to broader market moves. Moderate momentum may indicate the stock is consolidating or transitioning between trends, warranting close monitoring of upcoming catalysts.
EFSI shows good financial stability with a score of 75/100. Key stability metrics include a beta of 0.63 and a debt-to-equity ratio of 37.00x (sector avg: 0.5x). This suggests manageable leverage and moderate price volatility, making it appropriate for investors seeking a balance between growth potential and capital preservation.
EAGLE FINANCIAL SERVICES INC's short interest score of 16/100 reveals significant bearish positioning, suggesting institutional investors are actively betting against the stock. Specific risk factors include elevated leverage (D/E: 37.00x), micro-cap liquidity risk. At $202M (micro-cap), EFSI carries meaningful risk and is best suited for investors with high risk tolerance who have thoroughly evaluated the bear thesis.
EFSI offers a modest dividend yield of 1.7%. This compares to a sector average dividend yield of 2.0%. While the income contribution is relatively small, even a small dividend signals management's commitment to shareholder returns and can serve as a signal of financial discipline.
EAGLE FINANCIAL SERVICES INC is a micro-cap company in the Finance, Insurance, And Real Estate sector, ranked #0 of 50 in its sector (100th percentile) and #2310 of 7,333 overall (68th percentile). Key comparisons include ROE of 11.5% exceeding the 9.0% sector median and operating margins of -5.9% below the 18.1% sector average. This top-quartile standing reflects exceptional competitive strength relative to Finance, Insurance, And Real Estate peers.
While EFSI currently exhibits a REDUCE profile, superior opportunities exist within the FINANCE, INSURANCE, AND REAL ESTATE sector. Our model identifies several "Strong Buy" candidates with higher quality scores and more attractive valuations among direct industry competitors.
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Improvement in Short Int. (16) would have the largest impact on the composite score.
EV/EBITDA 191% ABOVE SECTOR MEDIAN
ROE 28% ABOVE SECTOR MEDIAN (FAVORABLE)
Gross Margin 100% BELOW SECTOR MEDIAN
The board of Eagle Financial Services, Inc. ( NASDAQ:EFSI ) has announced that it will pay a dividend on the 13th of...
Regular readers will know that we love our dividends at Simply Wall St, which is why it's exciting to see Eagle...
Eagle Financial Services, Inc. (NASDAQ: EFSI) announced its 2025 fourth quarter financial results. The stock was trading at $40.56 with a 1.65% gain at the time of reporting.
Eagle Financial Services, Inc. (NASDAQ: EFSI) declared a regular quarterly cash dividend of $0.31 per common share payable February 13, 2026. The company will release its 2025 fourth quarter financial results on January 26, 2026, followed by a conference call and webcast on January 27, 2026.
Eagle Financial Services, Inc. has announced the pricing of its public offering of 1,562,500 shares of common stock at $32.00 per share, with expected proceeds of approximately $47 million. The company plans to use the net proceeds for general corporate purposes, including balance sheet restructuring and supporting capital ratios and growth.
Above 50MA
37.18%
Net New Highs
+51081