Eagle Financial Services, Inc.

Eagle Financial Services, Inc.

EFSIยทNASDAQ

$39.91

-0.21%
Financial ServicesBanks - Regional

Eagle Financial Services, Inc. operates as the bank holding company for Bank of Clarke County that 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, construction and land development, and commercial and industrial loans, as well as secured and unsecured consumer loans, which include personal installment loans, personal lines of credit, automobile loans, and credit card loans. The company also offers personal and retirement plan services; investment services comprising tax-deferred annuities, IRAs and rollovers, mutual funds, retirement plans, college savings plans, life insurance, long term care insurance, fixed income investing, brokerage CDs, and full service or discount brokerage services; non-deposit investment products; and title insurance products. In addition, it provides ATM and debit cards; and telephone, internet, and mobile banking services, as well as other commercial deposit account services, such as ACH origination and remote deposit capture services. The company operates through twelve full-service branches, two loan production offices, one wealth management office, and one drive-through only facility, as well as 13 ATM locations in the Virginia communities of Berryville, Winchester, Boyce, Stephens City, Purcellville, Warrenton, Leesburg, Ashburn, and Fairfax. Eagle Financial Services, Inc. was founded in 1881 and is headquartered in Berryville, Virginia.

At a Glance

Live Snapshot
Market Cap$216.01M
EPS1.5900
P/E Ratio25.10
Earnings Date07/23/2026
0.89%
Dividend Yield
14%
3Y-
5Y+31.0%
10Y+33.0%
44.93%
Dividend Payout Ratio
17%
3Y+10.0%
5Y+73.0%
10Y+34.0%
3Y+59.0%
5Y+116.0%
10Y+210.0%
Eagle Financial Services, Inc.

Eagle Financial Services, Inc. Dividend History

EFSI ยท NASDAQ
10Y CAGR +0%
Latest $0
Annual $0
Stable dividend payments
Last Period: +0%

EFSI Dividend Payment History

EFSI ยท NASDAQ

Total Payments

50

Latest Dividend

$0.3100

Annual Amount

$1.5500

Frequency

Quarterly

DeclarationEx-DatePayment DateDividendAdjustedFrequencyGrowth
Apr 22, 2026
May 4, 2026May 15, 2026
$0.3100
$0.3100
Quarterly0.00%
Jan 21, 2026
Feb 2, 2026Feb 13, 2026
$0.3100
$0.3100
Quarterly0.00%
Oct 22, 2025
Nov 3, 2025Nov 14, 2025
$0.3100
$0.3100
Quarterly0.00%
Jul 23, 2025
Aug 4, 2025Aug 15, 2025
$0.3100
$0.3100
Quarterly0.00%
Apr 23, 2025
May 5, 2025May 16, 2025
$0.3100
$0.3100
Quarterly0.00%
Jan 24, 2025
Feb 3, 2025Feb 14, 2025
$0.3100
$0.3100
Quarterly0.00%
Oct 23, 2024
Nov 8, 2024Nov 15, 2024
$0.3100
$0.3100
Quarterly+3.33%
Jul 24, 2024
Aug 5, 2024Aug 16, 2024
$0.3000
$0.3000
Quarterly0.00%
Apr 24, 2024
May 6, 2024May 17, 2024
$0.3000
$0.3000
Quarterly0.00%
Jan 24, 2024
Feb 5, 2024Feb 16, 2024
$0.3000
$0.3000
Quarterly0.00%
Oct 25, 2023
Nov 6, 2023Nov 17, 2023
$0.3000
$0.3000
Quarterly0.00%
Jul 26, 2023
Aug 7, 2023Aug 18, 2023
$0.3000
$0.3000
Quarterly0.00%
Apr 26, 2023
May 8, 2023May 19, 2023
$0.3000
$0.3000
Quarterly0.00%
Jan 25, 2023
Feb 6, 2023Feb 17, 2023
$0.3000
$0.3000
Quarterly0.00%
Oct 26, 2022
Nov 7, 2022Nov 21, 2022
$0.3000
$0.3000
Quarterly+3.45%
Jul 27, 2022
Aug 8, 2022Aug 19, 2022
$0.2900
$0.2900
Quarterly+3.57%
Apr 20, 2022
May 3, 2022May 18, 2022
$0.2800
$0.2800
Quarterly0.00%
Jan 26, 2022
Feb 7, 2022Feb 18, 2022
$0.2800
$0.2800
Quarterly0.00%
Oct 28, 2021
Nov 8, 2021Nov 19, 2021
$0.2800
$0.2800
Quarterly0.00%
Jul 28, 2021
Aug 9, 2021Aug 20, 2021
$0.2800
$0.2800
Quarterly+3.70%
Apr 21, 2021
May 3, 2021May 17, 2021
$0.2700
$0.2700
Quarterly0.00%
Jan 27, 2021
Feb 8, 2021Feb 19, 2021
$0.2700
$0.2700
Quarterly+3.85%
Oct 21, 2020
Nov 2, 2020Nov 16, 2020
$0.2600
$0.2600
Quarterly0.00%
Jul 22, 2020
Aug 3, 2020Aug 17, 2020
$0.2600
$0.2600
Quarterly0.00%
Apr 22, 2020
May 4, 2020May 18, 2020
$0.2600
$0.2600
Quarterly0.00%
Jan 20, 2020
Feb 3, 2020Feb 17, 2020
$0.2600
$0.2600
Quarterly0.00%
Oct 16, 2019
Nov 1, 2019Nov 15, 2019
$0.2600
$0.2600
Quarterly+4.00%
Jul 17, 2019
Jul 31, 2019Aug 14, 2019
$0.2500
$0.2500
Quarterly0.00%
Apr 17, 2019
Apr 30, 2019May 14, 2019
$0.2500
$0.2500
Quarterly+4.17%
Jan 16, 2019
Feb 1, 2019Feb 15, 2019
$0.2400
$0.2400
Quarterly0.00%
Oct 17, 2018
Nov 2, 2018Nov 16, 2018
$0.2400
$0.2400
Quarterly0.00%
Jul 18, 2018
Jul 30, 2018Aug 13, 2018
$0.2400
$0.2400
Quarterly+4.35%
Apr 18, 2018
Apr 30, 2018May 14, 2018
$0.2300
$0.2300
Quarterly0.00%
Jan 17, 2018
Feb 2, 2018Feb 16, 2018
$0.2300
$0.2300
Quarterly+4.55%
Oct 18, 2017
Nov 3, 2017Nov 17, 2017
$0.2200
$0.2200
Quarterly0.00%
Jul 19, 2017
Aug 1, 2017Aug 15, 2017
$0.2200
$0.2200
Quarterly0.00%
Apr 20, 2017
May 1, 2017May 15, 2017
$0.2200
$0.2200
Quarterly0.00%
Jan 18, 2017
Feb 3, 2017Feb 17, 2017
$0.2200
$0.2200
Quarterly+10.00%
Jul 20, 2016
Jul 28, 2016Aug 15, 2016
$0.2000
$0.2000
Quarterly0.00%
Apr 20, 2016
Apr 28, 2016May 16, 2016
$0.2000
$0.2000
Quarterly0.00%
Jan 20, 2016
Feb 1, 2016Feb 17, 2016
$0.2000
$0.2000
Quarterly0.00%
Oct 21, 2015
Nov 2, 2015Nov 18, 2015
$0.2000
$0.2000
Quarterly0.00%
Jul 15, 2015
Jul 28, 2015Aug 12, 2015
$0.2000
$0.2000
Quarterly0.00%
Apr 15, 2015
Apr 27, 2015May 15, 2015
$0.2000
$0.2000
Quarterly0.00%
Jan 21, 2015
Jan 30, 2015Feb 17, 2015
$0.2000
$0.2000
Quarterly0.00%
Oct 15, 2014
Oct 31, 2014Nov 14, 2014
$0.2000
$0.2000
Quarterly+5.26%
Jul 16, 2014
Jul 30, 2014Aug 13, 2014
$0.1900
$0.1900
Quarterly0.00%
Apr 16, 2014
Apr 30, 2014May 16, 2014
$0.1900
$0.1900
Quarterly0.00%
Jan 15, 2014
Jan 27, 2014Feb 14, 2014
$0.1900
$0.1900
Quarterly0.00%
Oct 16, 2013
Oct 30, 2013Nov 15, 2013
$0.1900
$0.1900
Quarterly-
efsi

Eagle Financial Services, Inc. Payout Ratio Analysis

EFSI ยท NASDAQ
Dividends Paid
-6.11M
2025
Net Income
8.21M
2025
Payout Ratio
74.40%
2025

Dividend Sustainability Analysis

Payout Ratio
74.40%

Conservative payout with excellent safety margin. Company retains significant earnings for growth, acquisitions, or building cash reserves. Dividend is highly sustainable.

FCF Payout Ratio
23.1%

Excellent FCF coverage. Dividend is well-supported by actual cash generation with ample room for increases and business reinvestment.

Dividend Growth
-42.1%

Significant dividend reduction signals serious challenges. Company prioritizing financial stability over shareholder returns. High risk of further cuts.

Sustainability
Good

Sustainable dividend with adequate coverage. Some areas for improvement but overall appears safe for dividend investors.

Key Insight

Recent dividend cut signals distress: Management forced to reduce payout, indicating financial pressure. Evaluate whether business challenges are temporary or structural before reinvesting.