Eagle Financial Services

EFSI

Banks - Regional · Financial Services

Price

$42.31

-0.18 (-0.42%)

Market Cap

$229.0M

Exchange

NASDAQ

Winston Score

Winston is curious

Mixed quality — meaningful strengths and weaknesses.

Data as of Aug 23, 2026 · filings through Jun 30, 2026

How the score breaks down

Growth

Good

Valuation

Good

Dividends

Mixed

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Share count rising — dilution

+56.1% over 4y

The company has issued more shares over this period, which dilutes each existing shareholder’s stake.

Diluted shares outstanding: 3.4M (2021) → 5.4M (2025)

Winston Score History

The full picture

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.

Score breakdown

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Bank Quality

Not applicable for this business.

Growth

Sales growth

Sales YoY

-13.7%

Shrinking sales (-13.7% YoY)

Profit growth

EPS YoY

+60.9%

Earnings growing fast (+60.9% YoY)

Earnings growing 25%+ a year. The compounder zone.

How steady the profit is

EPS Consistency

5/8 quarters

Mixed — about half the quarters showed growth

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Capital Strength

Not applicable for this business.

Asset Quality

Not applicable for this business.

Valuation

Price vs profit

P/E Ratio (TTM)

12.2x

Attractive valuation — P/E 12.2

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

Cheaper or dearer next year

P/E vs Forward

-0.3

SLOWING

Earnings expected to fall — forward P/E higher than today

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Dividends

Dividend

Dividend Yield

2.93%

Moderate income — 2.93% yield

Standard yield zone for stable dividend payers. A meaningful piece of total return.

Dividend record

Dividend Growth

+0.0%

Dividend flat

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