EFSI - NASDAQ
Eagle Financial Services, Inc.
$39.91
-0.21%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 SnapshotEagle Financial Services, Inc. Management Team
Mr. James S. George II
Executive Vice President & Chief Credit Officer of Bank of Clarke
Ms. Debra L. Purrington J.D.
Executive Vice President & Chief Fiduciary Officer and Bank Counsel of Bank of Clarke
Ms. Kathleen J. Chappell
Executive Vice President & Chief Financial Officer
Compensation
$507,146
Mr. Todd A. Braithwaite
Executive Vice President & Chief Technology Officer of Bank of Clarke
Ms. Kathleen S. Croson
Executive Vice President & Head of Community Banking of Bank of Clarke
Mr. Joseph T. Zmitrovich
President & Chief Banking Officer of Bank of Clarke
Compensation
$593,842
Mr. Brandon Craig Lorey
President, Chief Executive Officer & Director
Compensation
$823,981
Ms. Kaley P. Crosen
Secretary
Ms. Marianne Schmidt
Senior Vice President & Marketing Officer of Bank of Clarke
Eagle Financial Services, Inc. Insider Positioning
During the last 12 months, insiders have purchased $171K and sold $61K worth of EFSI shares, resulting in $110K of net buying activity.
3 Months
909
30.00K
388
14.72K
+15K
+$15K
3-6 Months
2.8K
101.29K
0
0.00
+101K
+$101K
6-9 Months
0
0.00
134
5.03K
-5K
-$5K
9-12 Months
1.3K
39.93K
1.1K
41.36K
-1K
-$1K
Top Buyers
Hamberger Scott M
Director
$87K
Hill Edward Iii
Director
$62K
Lorey Brandon Craig
Director, Officer: Executive Officer
$12K
Smith Nicholas Peter
Officer: Executive Officer
$10K
Top Sellers
Schmidt Marianne
Officer: Executive Officer
$16K
Lorey Brandon Craig
Director, Officer: Executive Officer
$16K
Zmitrovich Joseph T
Officer: Executive Officer
$9K
Chappell Kathleen J
Officer: Executive Officer
$5K
Poffinberger Aaron M
Officer: Executive Officer
$4K
Insider Activity Analysis
Net Insider Sentiment
Positive insider sentiment with $110K net buying. Buying activity substantially exceeds selling, indicating insider confidence.
Buy/Sell Ratio
Strong buy/sell ratio. Buying is at least double the selling activity, suggesting robust insider confidence.
Recent Trend (3 Months)
Very strong recent buying momentum. Recent insider purchases significantly outpace sales, suggesting near-term optimism.
Insider Participation
5 insider sellers vs. 4 buyers. More insiders selling than buying suggests cautious or negative sentiment.
Insider Activity Insight
Strong confluence of bullish signals: High buy/sell ratio, multiple insiders participating, and recent buying momentum all point to significant insider confidence. This level of coordinated buying often precedes positive developments.
SEC Filings
EFSI - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
DEF 14A DEF 14A 2026 N/A | April 08, 2026 | April 07, 2026 | 2026 | |
DEF 14A DEF 14A 2024 N/A | April 09, 2025 | December 31, 2024 | 2024 | |
DEF 14A DEF 14A 2024 N/A | April 05, 2024 | April 05, 2024 | 2024 | |
DEF 14A DEF 14A 2023 N/A | April 05, 2023 | April 05, 2023 | 2023 | |
DEF 14A DEF 14A 2022 N/A | April 06, 2022 | April 06, 2022 | 2022 | |
DEF 14A DEF 14A 2021 N/A | April 07, 2021 | April 07, 2021 | 2021 | |
DEF 14A DEF 14A 2020 N/A | April 17, 2020 | May 19, 2020 | 2020 | |
DEF 14A DEF 14A 2019 N/A | April 12, 2019 | May 14, 2019 | 2019 | |
DEF 14A DEF 14A 2018 N/A | April 13, 2018 | May 15, 2018 | 2018 | |
DEF 14A DEF 14A 2017 N/A | April 14, 2017 | May 16, 2017 | 2017 |
Research Paths
Snapshot
Start with context, operating signals, and key market metrics.
Value Model
Stress test fair value across bear, base, and bull assumptions.
Statements
Validate revenue quality, margins, and balance sheet durability.
Earnings Call
Read management commentary and compare it with reported outcomes.
Dividends
Check payout sustainability and long-term distribution behavior.
Analyst Expectations
Review consensus spread and where estimate risk is concentrated.