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
3Y+17.0%
5Y+67.0%
10Y+170.0%
3Y+12.0%
5Y+66.0%
10Y+174.0%
3Y+86.0%
5Y+80.0%
10Y+138.0%
efsi

Eagle Financial Services, Inc. Funding & Solvency Profile

EFSI ยท NASDAQ
Cash & Cash Equivalents13.94M
Net Receivables0.00
Inventory0.00
Other Current Assets0.00
Total Current Assets137 M
Property, Plant & Equipment14.91M
Goodwill & Intangible Assets0.00
Long-Term Investments1.46B
Other Non-Current Assets278.69M
Total Non-Current Assets2 B
Total Assets
1.89B

Financial Health Analysis

Current Ratio

0.09x

Warning: Liquidity concerns. Current assets may not be sufficient to cover short-term obligations.

Debt-to-Equity Ratio

9.00x

High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.

Working Capital

-1470089000

Negative working capital indicates short-term liabilities exceed short-term assetsโ€”potential liquidity stress.

Asset Composition

7% Current

Capital-intensive business with significant long-term investments in property, equipment, or intangibles.

Financial Health Insight

Financial stress indicators: Both liquidity and leverage metrics raise concerns. The company may face challenges meeting obligations and should focus on strengthening its balance sheet.

Eagle Financial Services, Inc. Balance Sheet

EFSI โ€ข NASDAQ

Eagle Financial Services, Inc. Balance SheetDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 2006
ASSETS
CURRENT ASSETS
13.9M
175.7M
112.1M
66.5M
63.8M
79.7M
33.4M
18.4M
32.7M
35.1M
23.2M
34.6M
14.2M
48.7M
21.9M
14M
7.4M
7.3M
13.6M
11.1M
123.3M
994K
137.4M
149.2M
192.3M
165M
166.2M
145.5M
133.7M
119.3M
105.8M
94.2M
102.6M
102.8M
114.1M
0.0
0.0
0.0
0.0
0.0
137.3M
176.7M
249.5M
216.1M
256.2M
244.7M
199.6M
162.7M
165.2M
154.4M
129M
128.7M
116.8M
151.4M
136.1M
14M
7.4M
7.3M
13.6M
11.1M
137.3M
176.7M
249.5M
216.1M
256.2M
244.7M
199.6M
162.7M
165.2M
154.5M
129M
128.7M
116.8M
151.4M
136.1M
14M
7.4M
7.3M
13.6M
11.1M
NON-CURRENT ASSETS
14.9M
14.3M
18.1M
18.1M
18.2M
18.7M
19.3M
19.1M
19.6M
20.2M
21M
19M
17.2M
16.5M
15.2M
15.7M
14.8M
15.4M
16.5M
15.4M
0.0
0.0
153K
684K
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
153K
684K
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.5B
1.6B
1.4B
1.3B
977.8M
829.2M
639.8M
601.4M
564.4M
512.4M
490.6M
464.7M
438.8M
411.5M
401.7M
511.1M
494.9M
484.5M
470.7M
474.4M
278.7M
100.1M
108M
69.2M
50.8M
37.5M
19.8M
16.5M
16.5M
13.2M
12.7M
17.7M
13.6M
13.8M
15.1M
18M
18.3M
21M
6.8M
12.1M
1.8B
1.7B
1.6B
1.4B
1B
885.5M
678.9M
637M
597.3M
545.6M
524.2M
498.1M
469.6M
441.8M
431.9M
544.9M
528M
520.9M
494M
501.9M
1.9B
1.9B
1.8B
1.6B
1.3B
1.1B
877.3M
799.6M
765.8M
700.1M
651.7M
626.8M
584.4M
593.3M
568M
558.8M
535.4M
528.1M
507.6M
513M
LIABILITIES
CURRENT LIABILITIES
0.0
25M
20M
33M
0.0
0.0
0.0
1.9M
0.0
0.0
0.0
0.0
0.0
10M
10M
14.4M
14M
14.7M
13M
5.4M
1.6B
1.6B
1.5B
1.3B
1.2B
1B
771.5M
703.1M
663.4M
603.9M
550.7M
503.8M
487.6M
477.1M
448.5M
429.3M
398.1M
386.5M
379.6M
397.5M
1.6B
1.6B
1.5B
1.3B
1.2B
1B
771.5M
705M
663.4M
603.9M
550.7M
503.8M
487.6M
487.1M
458.5M
443.7M
412.1M
401.2M
392.6M
402.8M
NON-CURRENT LIABILITIES
69.6M
124.5M
174.4M
204.4M
0.0
0.0
0.0
0.0
0.0
0.0
20M
47.2M
29.5M
39.5M
49.5M
52.3M
62.3M
70M
67.2M
67.2M
22.8M
22.6M
16.5M
13.6M
15.5M
7.9M
5.8M
7M
18.5M
16.9M
4.3M
6M
3M
3M
2M
9.1M
9.4M
10.1M
2.6M
2M
92.4M
147.1M
190.9M
217.9M
15.5M
12M
9.5M
7M
18.5M
16.9M
24.3M
53.2M
32.5M
42.5M
51.5M
61.3M
71.6M
80.1M
69.8M
69.2M
0.0
0.0
0.0
0.0
0.0
4.1M
3.7M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.7B
1.7B
1.7B
1.5B
1.2B
1B
781M
712M
681.9M
620.7M
573.4M
553.7M
518M
529.6M
509.9M
505M
483.7M
481.3M
462.4M
472.1M
SHAREHOLDERS' EQUITY
13.3M
8.7M
8.7M
8.6M
8.6M
8.5M
8.5M
8.6M
8.6M
8.6M
8.8M
8.6M
8.5M
8.3M
8.2M
8.1M
8M
7.9M
7.8M
7.7M
64.7M
14.9M
14.3M
13.3M
12.1M
10.8M
11.4M
12M
12.1M
12.6M
13.7M
12.6M
11.5M
10.4M
9.6M
9.1M
8.5M
7.8M
7.2M
6.3M
116.1M
114M
103.4M
100.3M
89.8M
82.5M
74.9M
68.6M
62.9M
58.2M
54.7M
50.6M
46.1M
41.5M
37.4M
35.4M
34M
32.8M
30.8M
27.6M
-5.3M
-18.6M
-18M
-20.4M
-155K
3.3M
1.5M
-1.6M
310K
-24K
1.1M
1.3M
305K
3.4M
2.9M
1.2M
1.1M
-1.6M
-605K
-637K
188.8M
119M
108.4M
101.7M
110.3M
105.1M
96.3M
87.6M
83.8M
79.4M
78.2M
73.1M
66.4M
63.7M
58.1M
53.8M
51.6M
46.8M
45.2M
40.9M
188.8M
119M
108.4M
101.7M
110.3M
105.1M
96.3M
87.6M
83.8M
79.4M
78.2M
73.1M
66.4M
63.7M
58.1M
53.8M
51.6M
46.8M
45.2M
40.9M
SUMMARY
1.9B
1.9B
1.8B
1.6B
1.3B
1.1B
877.3M
799.6M
765.8M
700.1M
651.7M
626.8M
584.4M
593.3M
568M
558.8M
535.4M
528.1M
507.6M
513M
1.6B
1.6B
1.6B
1.5B
1.2B
994.2M
804.8M
745.7M
697M
631.7M
596.4M
558.9M
541.4M
514.3M
515.8M
511.1M
494.9M
484.5M
470.7M
474.4M
69.6M
149.5M
194.4M
237.4M
0.0
4.1M
3.7M
1.9M
0.0
0.0
20M
47.2M
29.5M
49.5M
59.5M
66.6M
76.3M
84.7M
80.2M
72.6M
55.6M
-26.2M
82.4M
170.8M
-63.8M
-75.6M
-29.7M
-16.5M
-32.7M
-35.1M
-3.2M
12.7M
15.2M
777K
37.5M
52.7M
68.9M
77.4M
66.6M
61.5M
5,376,346
5,376,346
5,376,346
5,376,346
5,376,346
5,376,346
5,376,346
5,376,346
5,376,346
5,376,346
5,376,346
5,376,346
5,376,346
5,376,346
5,376,346
5,376,346
5,376,346
5,376,346
5,376,346
5,376,346

SEC Filings

EFSI - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
8-K

8-K 2026

N/A

May 20, 2026
May 19, 2026
2026
10-Q

10-Q 2026 Q1

Q1

May 11, 2026
March 31, 2026
2026
8-K

8-K 2026

N/A

April 23, 2026
April 23, 2026
2026
DEF 14A

DEF 14A 2026

N/A

April 08, 2026
April 07, 2026
2026
10-K

10-K 2025 FY

FY

March 16, 2026
December 31, 2025
2025
8-K

8-K 2026

N/A

January 27, 2026
January 21, 2026
2026
8-K

8-K 2026

N/A

January 26, 2026
January 26, 2026
2026
8-K

8-K 2026

N/A

January 21, 2026
January 21, 2026
2026
10-Q

10-Q 2025 Q3

Q3

November 13, 2025
September 30, 2025
2025
8-K

8-K 2025

N/A

October 23, 2025
October 23, 2025
2025
Showing 1 to 10 of 337 filings