Stocktoria
EAGLE FINANCIAL SERVICES INC EFSI
EAGLE FINANCIAL SERVICES INC (EFSI) earns a Piotroski F-score of 3/9 (weak financial health). It pays a dividend yielding 2.74% (safety: stretched).
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Analyst price target
Wall Street analyst consensus — a sentiment gauge, not our scoring.
Smart money · insiders, last 12 months
Open-market insider purchases minus sells (SEC Form 4) — real buying with their own money is a bullish “smart money” signal; grants and option exercises are excluded.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 3/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| EFSI | EAGLE FINANCIAL SERVICES INC | 3/9 | — | 27.2 | — |
| STT | STATE STREET CORP | 6/9 | — | 15.8 | +7.3% |
| FCNCA | FIRST CITIZENS BANCSHARES INC /DE/ | 5/9 | — | 10.8 | -2.2% |
| CFG | CITIZENS FINANCIAL GROUP INC/RI | 7/9 | — | 16.3 | +5.6% |
| NTRS | NORTHERN TRUST CORP | 4/9 | — | 18.5 | -2.5% |
| ALLY | Ally Financial Inc. | 5/9 | — | 17 | -3.3% |
| MTB | M&T BANK CORP | 7/9 | — | 12.2 | +7.5% |
All Finance, Insurance & Real Estate companies →
About EAGLE FINANCIAL SERVICES INC
Eagle Financial Services, Inc. operates as the bank holding company for Bank of Clarke that provides various retail and commercial banking products and services in the United States. It operates through three segments: Community Banking, Marine Lending, and Wealth Management. The company's deposit products include checking, NOW, money market, and regular savings accounts; and demand and time deposits, as well as other commercial deposit account services, such as ACH origination and remote deposit capture services. Its loan portfolio comprises one-to-four-family residential real estate, commercial real estate, construction and land development, and commercial and industrial loans, marine lending, and consumer lending, as well as secured and unsecured consumer loans, including personal installment loans, personal lines of credit, automobile loans, and credit card loans. In addition, the company offers advisory services and investment products, including individual retirement accounts, mutual funds, tax-deferred annuities, 529 college savings plans, life insurance, long term care insurance, brokerage certificates of deposit, and other brokerage services; non-deposit investment products; and title insurance products. Further, it provides debit cards; fiduciary services; online bill payment services; and telephone, internet, and mobile banking services. It operates through full-service branches, loan production offices, wealth management offices, and drive-through only facility. Eagle Financial Services, Inc. was founded in 1881 and is headquartered in Berryville, Virginia.
FAQ
Is EFSI financially healthy?
EAGLE FINANCIAL SERVICES INC's Piotroski F-score is 3/9 (8–9 is excellent, 0–3 weak).
Does EFSI pay a dividend, and is it safe?
Yes. EAGLE FINANCIAL SERVICES INC pays a dividend yielding about 2.74% with a 74.4% payout ratio, rated “stretched” for safety.
How profitable is EFSI?
In FY2025, EAGLE FINANCIAL SERVICES INC had a return on equity of 4.3%.
Is EFSI overvalued or undervalued?
EAGLE FINANCIAL SERVICES INC trades at about 26.8× trailing earnings — above its 10-year norm (10-year range 8.4×–24.1×, median 11.3×). Stocktoria reports the data, not buy/sell advice.
What is the analyst price target for EFSI?
The average Wall-Street price target for EAGLE FINANCIAL SERVICES INC is $42.00, about 1.4% below the recent price, from 3 analysts (consensus: buy).
Is EFSI a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on EAGLE FINANCIAL SERVICES INC: a Piotroski F-score of 3/9, a P/E of about 27.2×, a dividend yield of 2.74%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.