Eagle Financial Services Inc Common Stock (EFSI)

FairStock Score: 30/100 — RISKY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

At the close on 2026-10-13, Eagle Financial Services traded at $45.72, and FairStock calculated a P/E of 13.14 and P/B of 1.26, with ROE of 9.98%, a 2.71% dividend yield, a Piotroski F-Score of 5/9, and a FairStock Score of 30/100. This is a small bank holding company for Bank of Clarke, with community banking, marine lending and wealth management, and only 259 employees. The earnings record is not steady. In fiscal 2025, the year ended 2025-12-31, net income was $8.2 million, or $1.59 per diluted share, down from $15.3 million, or $4.32, in fiscal 2024, the year ended 2024-12-31; fiscal 2023, the year ended 2023-12-31, had net income of $9.4 million, or $2.66. The Lynch category provided is SLOW GROWER—Shrinking, with profit down about 6.0% a year over five years. More recently, fiscal Q2 2026, the quarter ended 2026-06-30, showed net income of $5.0 million and diluted EPS of $0.92, while fiscal Q1 2026, the quarter ended 2026-03-31, showed $3.7 million and $0.69. That hints at a possible rebound, but it is too early to call a turn. A near-10% ROE with a 1.26 times book price is not obviously cheap, and the low beta of 0.20 mainly suggests less price volatility. For a bank, the key safety measures are CET1, net interest margin, credit costs, reserve coverage, loan-to-deposit ratio, and combined ratio; none of those are in the data. Without them, I cannot properly judge leverage or underwriting risk, and the 5/9 Piotroski score and 30/100 FairStock score leave me wanting more consistency before calling this a high-quality bargain.

In plain English: Eagle Financial is a small bank holding company behind Bank of Clarke. It takes deposits and makes loans for people and businesses, and it also has marine lending and wealth management. The business has modest profits and uneven earnings, and the stock price looks about average relative to its earnings and net worth rather than obviously cheap.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q4 2025 10-K (period ended 2025-12-31) · fiscal Q3 2025 10-K (period ended 2025-09-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer