Eagle Financial Services, Inc.

NCM: EFSI
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📈 ZcoreAI Score

Our AI model analyzes Eagle Financial Services, Inc.'s price action across multiple timeframes using regression channels and statistical scoring.

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About Eagle Financial Services, Inc.

Financial Services Banks - Regional
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.

📊 Fundamental Analysis

Eagle Financial Services, Inc. demonstrates a profit margin of 12.5%, which is below the sector average, suggesting competitive pressure.

The company recently reported -2.8% revenue growth, which is negative, indicating a recent decline in revenue.

Return on Equity (ROE) is 5.3%, which suggests room for improvement in capital utilization.

At a current price of $38.69, EFSI currently trades near the top of its 52-week range (80%) (Range: $28.70 - $41.12).

💰 Valuation Insight

EFSI trades at a 102.8% premium to the sector average PE of 12.00. Analysts expect earnings growth, as indicated by a lower forward PE.

🏥 Financial Health

🔴 Profit Margin Weak
🔴 Revenue Growth Weak
🔴 Return on Equity Weak
Beta (Risk) Low Volatility

Key Financials

Market Cap
$209.40M
Trailing P/E
24.33
Forward P/E
10.32
Beta (5Y)
0.17
52W High
$41.12
52W Low
$28.70
Avg Volume
15K
Day High
Day Low
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