Eagle Financial Services Inc. EFSI | NASDAQ
$45.30
-$0.30 | -0.66%
SIGNAL:
|2026-09-30
|F&G 64
|RSI 55.1
|2026-09-30
|F&G 64
|RSI 55.1
Company Overview:
Market Cap:
$245.54M
Trailing PE:
13.1x
FWD PE *:
13.4x
Payout Ratio (TTM):
—
52-Week Range:
$31.44 - $48.17
* Forward PE is based on street estimates.
10 Year EFSI Performance Metrics:
Total Return (with DRIP):
148.9% (9.55% CAGR)
Total Return (no DRIP):
127.9% (8.58% CAGR)
Share Price:
93.6% (6.83% CAGR)
Yield on Cost (with DRIP):
6.81%
Total Invested:
$10,000
Total Value (with DRIP):
$24,888
Total Return $ (with DRIP):
$14,888
Dividend Increase:
40.9% (3.58% CAGR)
Dividend Yield (FWD):
2.74% ($1.24)
EFSI 10-yr Total Return ($10K invested)
1M
3M
6M
YTD
1Y
3Y
5Y
10Y
EFSI Share Price
1M
3M
6M
YTD
1Y
3Y
5Y
10Y
All
EFSI Price CAGR:1Y: 19.75%2Y: 18.24%5Y: 5.78%10Y: 6.83%
EFSI Dividend Charts
EFSI Dividend CAGR:1Y: 0.00%2Y: 1.65%5Y: 2.06%10Y: 4.48%
EFSI Dividend Payout Ratio CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
EFSI Dividend to FCF Ratio CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
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EFSI Fundamentals: Earnings, Revenue, Cash Flow, Ebitda, Cash/Debt, Shares Float, etc:
EFSI Revenue CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
EFSI EPS CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
EFSI Net Income CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
EFSI EBITDA CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
EFSI Free Cash Flow CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
EFSI Free Cash Flow / Share CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
EFSI Operating Income CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
EFSI Gross Profit CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
EFSI Shares Outstanding CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
EFSI Share Buybacks CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
EFSI Stock-Based Comp CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
EFSI Expenses CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
EFSI Revenue CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
EFSI Revenue CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
Revenue, EPS, Net Income & Ebitda - Estimates VS Actual:
EFSI Actual Revenue CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
EFSI Actual EPS CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
EFSI Actual Net Income CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
EFSI Actual EBITDA CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
Ratios, Profit Margins & Return on Capital:
EFSI Net Profit Margin CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
EFSI Gross Profit Margin CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
EFSI Price to Earnings CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
EFSI Price To Sales Ratio CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
EFSI Return on Capital Employed CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
EFSI Return on Invested Capital CAGR:1Y: 0.00%2Y: 0.00%5Y: 0.00%10Y: 0.00%
EFSI Dividends Info:
Annual Dividend:
$1.24
Forward Yield:
2.74%
Ex-Dividend Date:
2026-08-03
Lifetime Dividends / Share:
$19.70
EFSI Dividend History: Dates, Payments & Yield list
Below is a schedule of all EFSI dividend payments, ex-dates, share price on the day of the payment as well as the annualized yield & forward yield
| Ex-Date | Payment Date | Amount | Yield | Forward Yield | Price on Ex-Date |
|---|---|---|---|---|---|
| 08/03/2026 | 08/14/2026 | $0.310 | 3.09% | 2.84% | $43.66 |
| 05/04/2026 | 05/15/2026 | $0.310 | 3.47% | 3.33% | $37.24 |
| 02/02/2026 | 02/13/2026 | $0.310 | 3.24% | 3.19% | $38.82 |
| 11/03/2025 | 11/14/2025 | $0.310 | 3.47% | 3.43% | $36.10 |
| 08/04/2025 | 08/15/2025 | $0.310 | 3.74% | 3.56% | $34.82 |
| 05/05/2025 | 05/16/2025 | $0.310 | 4.17% | 3.88% | $31.95 |
| 02/03/2025 | 02/14/2025 | $0.310 | 3.42% | 3.78% | $32.77 |
| 11/08/2024 | 11/15/2024 | $0.310 | 3.73% | 3.58% | $34.60 |
| 08/05/2024 | 08/16/2024 | $0.300 | 3.64% | 3.64% | $33.00 |
| 05/03/2024 | 05/17/2024 | $0.300 | 4.14% | 4.02% | $29.82 |
| 02/02/2024 | 02/16/2024 | $0.300 | 4.03% | 4% | $30.00 |
| 11/03/2023 | 11/17/2023 | $0.300 | 3.93% | 3.88% | $30.90 |
| 08/04/2023 | 08/18/2023 | $0.300 | 3.77% | 3.75% | $31.98 |
| 05/05/2023 | 05/19/2023 | $0.300 | 3.69% | 3.51% | $34.20 |
| 02/03/2023 | 02/17/2023 | $0.300 | 3.35% | 3.31% | $36.20 |
| 11/04/2022 | 11/07/2022 | $0.300 | 3.24% | 0% | $0.00 |
| 08/05/2022 | 08/08/2022 | $0.290 | 3.2% | 0% | $0.00 |
| 05/03/2022 | 05/05/2022 | $0.280 | 3.21% | 0% | $0.00 |
| 02/04/2022 | 02/07/2022 | $0.280 | 3.2% | 0% | $0.00 |
| 11/05/2021 | 11/08/2021 | $0.280 | 3.2% | 0% | $0.00 |
| 08/06/2021 | 08/09/2021 | $0.280 | 3.29% | 0% | $0.00 |
| 04/30/2021 | 05/03/2021 | $0.270 | 3.22% | 3.22% | $33.50 |
| 02/05/2021 | 02/08/2021 | $0.270 | 3.72% | 3.74% | $28.90 |
| 10/30/2020 | 11/02/2020 | $0.260 | 4.08% | 4.08% | $25.50 |
| 07/31/2020 | 08/03/2020 | $0.260 | 3.94% | 4.08% | $25.50 |
| 05/01/2020 | 05/04/2020 | $0.260 | 3.87% | 0% | $0.00 |
| 01/31/2020 | 02/03/2020 | $0.260 | 3.25% | 3.23% | $32.20 |
| 10/31/2019 | 11/04/2019 | $0.260 | 3.4% | 3.4% | $30.60 |
| 07/30/2019 | 08/01/2019 | $0.250 | 3.28% | 3.33% | $30.00 |
| 04/29/2019 | 05/01/2019 | $0.250 | 3.19% | 3.19% | $31.30 |
| 01/31/2019 | 02/04/2019 | $0.240 | 3.05% | 0% | $0.00 |
| 11/01/2018 | 11/05/2018 | $0.240 | 2.93% | 2.94% | $32.60 |
| 07/27/2018 | 07/30/2018 | $0.240 | 2.61% | 2.61% | $36.80 |
| 04/27/2018 | 04/30/2018 | $0.230 | 2.8% | 0% | $0.00 |
| 02/01/2018 | 02/05/2018 | $0.230 | 2.91% | 2.95% | $31.20 |
| 11/02/2017 | 11/06/2017 | $0.220 | 2.84% | 2.92% | $30.10 |
| 07/28/2017 | 07/31/2017 | $0.220 | 2.94% | 2.95% | $29.80 |
| 04/27/2017 | 05/01/2017 | $0.220 | 2.94% | 2.99% | $29.40 |
| 02/01/2017 | 02/03/2017 | $0.220 | 3.38% | 3.26% | $27.00 |
| 10/28/2016 | 10/31/2016 | $0.220 | 3.7% | 0% | $0.00 |
| 07/28/2016 | 08/01/2016 | $0.200 | 3.4% | 0% | $0.00 |
| 04/28/2016 | 05/02/2016 | $0.200 | 3.43% | 3.49% | $22.90 |
| 02/01/2016 | 02/03/2016 | $0.200 | 3.45% | 0% | $0.00 |
| 11/02/2015 | 11/04/2015 | $0.200 | 3.45% | 3.36% | $23.80 |
| 07/28/2015 | 07/30/2015 | $0.200 | 3.33% | 0% | $0.00 |
| 04/27/2015 | 04/29/2015 | $0.200 | 3.27% | 0% | $0.00 |
| 01/30/2015 | 02/02/2015 | $0.200 | 3.45% | 0% | $0.00 |
| 10/29/2014 | 10/31/2014 | $0.200 | 3.48% | 3.46% | $23.10 |
| 07/28/2014 | 07/30/2014 | $0.190 | 3.15% | 0% | $0.00 |
| 04/28/2014 | 04/30/2014 | $0.190 | 3.32% | 3.3% | $23.00 |
| 01/23/2014 | 01/27/2014 | $0.190 | 3.44% | 0% | $0.00 |
| 10/30/2013 | 11/01/2013 | $0.190 | 3.62% | 3.58% | $21.20 |
| 07/29/2013 | 07/31/2013 | $0.190 | 0% | 3.13% | $24.30 |
| 04/25/2013 | 04/29/2013 | $0.190 | 3.29% | 3.29% | $23.10 |
| 01/24/2013 | 01/28/2013 | $0.190 | 3.44% | 3.38% | $22.50 |
| 10/31/2012 | 11/02/2012 | $0.190 | 3.45% | 0% | $0.00 |
| 07/30/2012 | 08/01/2012 | $0.180 | 0% | 0% | $0.00 |
| 04/26/2012 | 04/30/2012 | $0.180 | 3.46% | 3.41% | $21.10 |
| 01/25/2012 | 01/27/2012 | $0.180 | 3.91% | 4% | $18.00 |
| 10/28/2011 | 10/31/2011 | $0.180 | 4.29% | 0% | $0.00 |
| 07/28/2011 | 08/01/2011 | $0.180 | 4.42% | 0% | $0.00 |
| 04/27/2011 | 04/29/2011 | $0.180 | 4.56% | 4.36% | $16.50 |
| 02/07/2011 | 02/09/2011 | $0.180 | 0% | 4.39% | $16.40 |
| 01/27/2011 | 01/31/2011 | $0.180 | 4.36% | 4.44% | $16.20 |
| 10/28/2010 | 11/01/2010 | $0.180 | 0% | 0% | $0.00 |
| 08/04/2010 | 08/06/2010 | $0.170 | 4% | 0% | $0.00 |
| 04/28/2010 | 04/30/2010 | $0.170 | 4% | 4% | $17.00 |
| 01/28/2010 | 02/01/2010 | $0.170 | 4.25% | 4.15% | $16.40 |
| 10/29/2009 | 11/02/2009 | $0.170 | 4.39% | 0% | $0.00 |
| 07/29/2009 | 07/31/2009 | $0.170 | 4.39% | 0% | $0.00 |
| 04/29/2009 | 05/01/2009 | $0.170 | 4.05% | 0% | $0.00 |
| 01/29/2009 | 02/02/2009 | $0.170 | 4% | 0% | $0.00 |
| 10/30/2008 | 11/03/2008 | $0.170 | 3.68% | 0% | $0.00 |
| 07/30/2008 | 08/01/2008 | $0.170 | 3.54% | 0% | $0.00 |
| 01/30/2008 | 02/01/2008 | $0.160 | 2.94% | 2.92% | $21.90 |
| 10/30/2007 | 11/01/2007 | $0.160 | 2.77% | 2.78% | $23.00 |
| 07/30/2007 | 08/01/2007 | $0.160 | 2.32% | 2.51% | $25.50 |
| 04/27/2007 | 04/30/2007 | $0.160 | 2.29% | 2.29% | $27.90 |
| 01/30/2007 | 02/01/2007 | $0.160 | 2.22% | 0% | $0.00 |
| 10/30/2006 | 11/01/2006 | $0.160 | 2.16% | 0% | $0.00 |
| 07/28/2006 | 07/31/2006 | $0.150 | 1.82% | 0% | $0.00 |
| 04/27/2006 | 05/01/2006 | $0.150 | 1.88% | 1.88% | $32.00 |
| 01/30/2006 | 02/01/2006 | $0.140 | 1.96% | 0% | $0.00 |
| 10/28/2005 | 10/31/2005 | $0.140 | 2.07% | 2.11% | $26.50 |
| 07/28/2005 | 08/01/2005 | $0.135 | 2.16% | 2.15% | $25.10 |
| 04/28/2005 | 05/02/2005 | $0.115 | 2.07% | 2.04% | $22.50 |
| 01/28/2005 | 01/31/2005 | $0.110 | 2% | 0% | $0.00 |
| 10/28/2004 | 11/01/2004 | $0.110 | 0% | 0% | $0.00 |
| 07/29/2004 | 08/02/2004 | $0.105 | 1.91% | 1.92% | $21.90 |
| 04/29/2004 | 05/03/2004 | $0.105 | 1.79% | 0% | $0.00 |
| 02/03/2004 | 02/05/2004 | $0.100 | 0% | 0% | $0.00 |
| 10/29/2003 | 10/31/2003 | $0.100 | 1.75% | 0% | $0.00 |
| 07/30/2003 | 08/01/2003 | $0.095 | 0% | 0% | $0.00 |
Projected Future Returns & Dividends for EFSI
Based on past 10-year performance, here are EFSI growth metrics:
Share price CAGR of +6.83%
Dividend CAGR of +4.48%
Using EFSI CAGR metrics, we can estimate that your initial $10000 investment, over the next 10 years, should grow as follows:
| EFSI (DRIP) | EFSI - No DRIP | |
|---|---|---|
| Current Price | $45.30 | $45.30 |
| Start Shares | 220.75 | 220.75 |
| Start Value | $10,000 | $10,000 |
| After 10 years: | ||
| Final Share Count | 282.72 | 220.75 |
| Dividends Payment | $0.48 | $0.48 |
| Annual Dividends | $543 | $424 |
| Yield on cost | 5.43% | 4.24% |
| Share Price | $87.70 | $87.70 |
| Total Dividends | $3,852 | $3,361 |
| Final Value | $24,793 | $22,720 |
Estimated Future Value + Dividends - EFSI
NOTE: Above numbers are our estimate based on EFSI's Dividend and Price CAGR over past 10 years.
These numbers should only be considered as "potential future returns"! DRIP assumes reinvesting dividends; No-DRIP assumes collecting dividends as cash.
We cannot guarantee that your actual returns will meet these estimates.
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Company Info
Eagle Financial Services Inc. (EFSI) had its IPO on , and is traded on NASDAQ stock exchange.
Eagle Financial Services Inc. is a bank holding company that operates through Bank of Clarke, providing retail and commercial banking services in the United States. Its offerings include deposit accounts, consumer and business loans, mortgage lending, and other core banking products tailored to individuals, local businesses, and community clients. The company also provides digital banking services such as telephone, internet, and mobile banking, supporting everyday account access and transaction management. Eagle Financial Services Inc. serves as the parent of a community-focused financial institution with operations centered on relationship-based banking and a diversified mix of community banking, marine lending, and wealth management services. Headquartered in Berryville, Virginia, Eagle Financial Services Inc. plays a regional role in delivering traditional banking solutions and specialized financial services to its customer base.
EFSI website: https://www.bankofclarke.bank
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DCF Model — EFSI
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Pay up to today
—
vs current price $45.30
—
Cash flow & implied price by year
FCF is negative or missing for this company (common for banks) — the model discounts EPS instead.
EPS is negative or missing for this company — Simple mode uses free cash flow per share instead.
Free cash flow today
—
grows for the next years
Then mature
—
every future dollar counted back to today
Pile of today-dollars
—
÷ shares
Implied price path
| Year | FCF | Implied price |
|---|
Sensitivity — fair value: growth ↓ × target return →
