YOLFTbeta
Eagle Financial Services Inc

Eagle Financial Services Inc

EFSI · NASDAQ · Financial Services / Banks - Regional

46.01USD+0.01 (+0.02%)

Price History

Full chart

Market Stats

Previous Close46.00
Open46.25
Day Range45.75 – 46.30
52-Week Range30.94 – 48.17
Volume37.77K
Market Cap247.42M
P/E (TTM)12.95
Forward P/E0.00
EPS3.53
Dividend Yield2.73%
Beta0.21
50-Day Avg42.85
200-Day Avg39.57

About

Eagle Financial Services, Inc. operates as the bank holding company for Bank of Clarke that provides various retail and commercial banking products and services in the United States. It operates through three segments: Community Banking, Marine Lending, and Wealth Management. The company's deposit products include checking, NOW, money market, and regular savings accounts; and demand and time deposits, as well as other commercial deposit account services, such as ACH origination and remote deposit capture services. Its loan portfolio comprises one-to-four-family residential real estate, commercial real estate, construction and land development, and commercial and industrial loans, marine lending, and consumer lending, as well as secured and unsecured consumer loans, including personal installment loans, personal lines of credit, automobile loans, and credit card loans. In addition, the company offers advisory services and investment products, including individual retirement accounts, mutual funds, tax-deferred annuities, 529 college savings plans, life insurance, long term care insurance, brokerage certificates of deposit, and other brokerage services; non-deposit investment products; and title insurance products. Further, it provides debit cards; fiduciary services; online bill payment services; and telephone, internet, and mobile banking services. It operates through full-service branches, loan production offices, wealth management offices, and drive-through only facility. Eagle Financial Services, Inc. was founded in 1881 and is headquartered in Berryville, Virginia.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Brandon Craig Lorey
  • Employees259
  • Headquarters2 East Main Street, Berryville, VA, United States, 22611, USA
  • Websitehttps://www.bankofclarke.bank

Leadership

  • Mr. Brandon Craig LoreyPresident, CEO & Director · b. 1969
  • Mr. Joseph T. ZmitrovichPresident & Chief Banking Officer of Bank of Clarke · b. 1970
  • Mr. Nicholas Peter SmithExecutive VP & Deputy CFO
  • Ms. Kaley P. CrosenSecretary · b. 1966

Financials

Income Statement

Currency: USD2002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue19.44M21.07M24.05M28.97M34.66M37.35M34.05M32.08M32.93M32.45M32.10M31.05M30.77M29.75M31.47M34.33M37.03M41.49M46.62M52.66M66.73M95.92M105.92M104.54M
Growth (%)-+8.39%+14.17%+20.43%+19.63%+7.79%-8.85%-5.78%+2.65%-1.46%-1.07%-3.27%-0.91%-3.30%+5.77%+9.08%+7.86%+12.06%+12.35%+12.97%+26.72%+43.74%+10.43%-1.31%
Cost of Revenue5.32M4.62M4.92M7.50M12.01M14.44M12.82M11.14M11.86M8.55M5.04M2.58M2.26M1.12M879.00K529.00K3.29M4.87M4.74M3.16M7.30M34.49M42.65M40.09M
Gross Profit14.12M16.45M19.14M21.47M22.65M22.91M21.23M20.94M21.07M23.89M27.05M28.46M28.50M28.63M30.59M33.80M33.73M36.62M41.88M49.50M59.43M61.43M63.28M64.45M
Gross Margin72.64%78.06%79.55%74.10%65.36%61.34%62.34%65.26%64.00%73.63%84.29%91.67%92.65%96.24%97.21%98.46%91.11%88.27%89.84%94.00%89.06%64.05%59.74%61.65%
Operating Expense9.08M10.65M12.52M13.45M14.30M15.55M15.81M16.48M16.45M18.20M17.95M18.92M19.30M19.30M21.67M22.39M23.42M25.05M28.57M36.71M41.76M50.80M44.38M54.52M
Operating Income5.04M5.80M6.61M8.02M8.35M7.36M5.41M4.46M4.62M5.69M9.11M9.55M9.21M9.33M8.92M11.41M10.31M11.57M13.31M12.79M17.67M10.63M18.90M9.93M
Operating Margin25.92%27.51%27.49%27.69%24.09%19.71%15.90%13.89%14.04%17.55%28.38%30.75%29.93%31.36%28.35%33.24%27.86%27.88%28.55%24.28%26.48%11.09%17.84%9.49%
EBITDA5.80M6.82M7.71M9.05M9.35M8.41M6.37M5.40M5.54M6.63M10.07M10.50M10.13M10.37M10.06M12.36M11.24M12.88M14.34M13.78M18.65M11.63M19.88M10.71M
EBITDA Margin29.81%32.36%32.07%31.26%26.99%22.50%18.72%16.83%16.82%20.42%31.36%33.82%32.93%34.86%31.96%36.00%30.36%31.05%30.75%26.17%27.95%12.13%18.77%10.24%
Net Income3.54M4.04M4.61M5.61M5.86M5.26M4.05M3.44M3.60M4.32M6.55M7.16M7.14M6.90M6.37M7.79M9.00M9.76M11.17M11.02M14.52M9.36M15.34M8.21M
Net Income Margin18.23%19.16%19.16%19.37%16.90%14.08%11.91%10.73%10.95%13.32%20.41%23.05%23.21%23.18%20.24%22.68%24.31%23.52%23.97%20.93%21.76%9.76%14.48%7.86%
Interest Expense4.62M3.97M4.39M6.88M11.71M13.89M10.51M6.79M5.53M4.80M3.38M2.58M1.91M1.35M1.07M1.15M2.52M4.24M3.28M1.68M5.47M32.84M40.09M36.39M
Interest Expense % of Total Revenue23.76%18.86%18.27%23.76%33.77%37.19%30.87%21.18%16.79%14.81%10.54%8.33%6.21%4.53%3.39%3.36%6.79%10.22%7.04%3.18%8.20%34.23%37.85%34.81%

Balance Sheet

Currency: USD2002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets292.57M352.01M413.81M466.97M513.00M507.55M528.14M535.38M558.84M568.02M593.28M584.38M626.83M651.65M700.15M765.75M799.62M877.32M1.13B1.30B1.62B1.83B1.87B1.89B
Total Liabilities268.17M323.64M381.84M430.98M472.06M462.37M481.31M483.74M505.01M509.93M529.57M517.97M553.70M573.43M620.73M681.93M712.02M780.99M1.03B1.19B1.51B1.72B1.75B1.70B
Total Equity24.40M28.37M31.97M35.99M40.94M45.18M46.83M51.64M53.83M58.09M63.71M66.41M73.13M78.22M79.42M83.82M87.60M96.33M105.07M110.28M101.73M108.38M118.99M188.84M
Cash14.34M11.34M10.43M10.04M11.08M13.57M7.29M7.35M13.97M21.94M48.69M14.24M34.56M23.22M35.13M32.67M18.35M33.41M79.70M63.84M66.53M112.07M175.72M13.94M
Total Debt22.91M47.20M42.05M56.18M72.58M80.20M84.69M76.27M66.64M59.47M49.47M29.47M47.22M20.00M--1.87M3.68M4.11M-237.36M194.44M149.51M69.58M
Net Debt8.57M35.86M31.62M46.14M61.50M66.63M77.41M68.91M52.67M37.53M777.00K15.22M12.65M-3.22M-35.13M-32.67M-16.48M-29.73M-75.58M-63.84M170.83M82.38M-26.21M55.64M

Cash Flow

Currency: USD2002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow4.34M4.37M6.47M6.87M7.08M7.26M6.28M6.68M9.40M11.74M11.43M8.22M7.29M7.16M9.70M9.37M-1.52M11.35M11.01M16.46M13.81M6.88M18.76M27.86M
Investing Cash Flow-52.05M-64.62M-62.63M-56.95M-40.75M1.92M-18.62M-19.13M-22.89M-6.60M-1.62M-31.46M-19.18M-38.74M-26.38M-64.29M-53.66M-57.98M-201.47M-193.22M-331.34M-130.28M16.75M-3.07M
Financing Cash Flow50.81M55.39M56.86M48.08M39.59M-11.57M17.11M1.64M19.92M2.83M16.94M-11.18M32.24M20.23M28.74M55.49M37.69M61.94M236.73M160.91M320.35M194.87M19.30M-754.00K
Capital Expenditure2.70M6.29M1.05M2.07M1.05M1.88M333.00K310.00K1.84M964.00K2.20M1.49M2.97M2.88M257.00K368.00K432.00K1.31M456.00K520.00K838.00K1.07M1.02M1.41M
Free Cash Flow1.64M-1.93M5.42M4.80M6.03M5.38M5.95M6.37M7.56M10.78M9.23M6.73M4.32M4.29M9.44M9.00M-1.96M10.03M10.55M15.94M12.98M5.80M17.74M26.45M
Dividends Paid589.88K701.00K807.00K970.00K1.26M1.43M1.54M1.59M1.65M1.76M1.80M1.91M1.94M2.06M2.35M2.65M2.78M3.00M3.20M3.26M3.81M4.23M4.30M6.11M
FCF to OCF37.71%-44.07%83.81%69.91%85.21%74.08%94.70%95.36%80.39%91.79%80.75%81.85%59.29%59.87%97.35%96.07%128.37%88.42%95.86%96.84%93.93%84.42%94.57%94.95%
Dividend Paid to FCF36.06%-36.42%14.88%20.20%20.88%26.51%25.91%24.93%21.77%16.37%19.55%28.38%45.00%48.12%24.93%29.47%-141.99%29.86%30.31%20.46%29.35%72.86%24.23%23.10%

Earnings

Report DateSep 30, 2003Dec 31, 2003Mar 31, 2004Jun 30, 2004Sep 30, 2004Dec 31, 2004Mar 31, 2005Jun 30, 2005Sep 30, 2005Dec 31, 2005Mar 31, 2006Jun 30, 2006Sep 30, 2006Dec 31, 2006Mar 31, 2007Jun 30, 2007Sep 30, 2007Dec 31, 2007Mar 31, 2008Jun 30, 2008Sep 30, 2008Dec 31, 2008Mar 31, 2009Jun 30, 2009Sep 30, 2009Dec 31, 2009Mar 31, 2010Sep 1, 2010Dec 31, 2010Mar 31, 2011Apr 27, 2011Jul 26, 2011Oct 26, 2011Jan 24, 2012Apr 20, 2012Sep 30, 2012Dec 31, 2012Mar 31, 2013Jun 30, 2013Sep 30, 2013Dec 31, 2013Mar 31, 2014Jun 30, 2014Sep 30, 2014Dec 31, 2014Mar 31, 2015Jun 30, 2015Sep 30, 2015Dec 31, 2015Mar 31, 2016Jun 30, 2016Sep 30, 2016Oct 21, 2016Feb 2, 2017Apr 21, 2017Jul 24, 2017Oct 19, 2017Jan 25, 2018Apr 19, 2018Jul 18, 2018Oct 18, 2018Jan 30, 2019Apr 17, 2019Jul 17, 2019Oct 18, 2019Jan 29, 2020May 1, 2020Jul 15, 2020Oct 22, 2020Feb 3, 2021Apr 21, 2021Jul 28, 2021Oct 29, 2021Feb 11, 2022May 2, 2022Jul 28, 2022Oct 27, 2022Jan 31, 2023May 2, 2023Jul 26, 2023Oct 27, 2023Jan 26, 2024Apr 29, 2024Jul 26, 2024Oct 25, 2024Jan 27, 2025Apr 25, 2025Jul 24, 2025Oct 23, 2025Jan 26, 2026Apr 23, 2026Jul 23, 2026Oct 22, 2026
EPS Estimate----------------------------0.000.000.380.380.430.250.430.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.00--0.00-0.000.000.000.000.000.000.830.821.110.800.880.740.83
EPS Actual0.370.340.300.370.480.380.450.480.460.460.490.520.450.440.390.490.420.390.540.66-0.450.550.300.280.250.250.490.460.140.360.360.400.340.210.520.370.470.530.590.440.540.400.570.400.700.420.230.940.380.430.450.400.520.590.580.580.490.610.730.730.540.600.740.620.650.830.710.831.000.730.840.870.830.660.941.141.170.920.730.590.660.680.720.900.961.740.620.981.040.810.690.41-
Surprise-------------------------------5.26%5.26%-20.93%-16.00%20.93%----------------------------------------------------25.30%19.51%-6.31%1.25%-21.59%-44.59%-
Timing------------------------------After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours-----------------Pre-marketAfter-hoursAfter-hoursAfter-hoursPre-market------------------After-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursPre-market-----After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours

Key Statistics & Ratios

Market Cap247.42M
Enterprise Value138.81M
Trailing P/E12.95
Forward P/E0.00
PEG Ratio0.00
Price / Sales2.98
Price / Book1.27
EPS3.53
Book Value36.42
Revenue (TTM)82.96M
Gross Profit (TTM)82.96M
Profit Margin22.47%
Operating Margin30.35%
Return on Equity9.98%
Return on Assets0.96%
Shares Outstanding5.41M
Shares Float4.15M
Beta0.21
Dividend Yield2.73%
Dividend Rate1.24
Payout Ratio42.03%

Ownership Breakdown

Institutions
46.07%
Insiders
12.95%
Retail / Other
40.98%

Top Institutional Holders

  • Fourthstone LLC
    287.57K5.35%
  • BlackRock Inc
    280.53K5.22%
  • Wellington Management Company LLP
    279.08K5.19%
  • Vanguard Capital Management, LLC
    243.74K4.54%
  • GRAHAM CAPITAL WEALTH MANAGEMENT, LLC
    135.62K2.52%
  • AllianceBernstein L.P.
    103.72K1.93%
  • Geode Capital Management, LLC
    103.21K1.92%
  • State Street Corp
    84.61K1.57%
  • Maltese Capital Management LLC
    65.70K1.22%
  • Banc Funds Co LLC
    65.00K1.21%
  • Two Sigma Investments LLC
    62.36K1.16%
  • RSM US WEALTH MANAGEMENT LLC
    60.40K1.12%
  • Dimensional Fund Advisors, Inc.
    38.58K0.72%
  • Northern Trust Corp
    33.84K0.63%
  • Citadel Advisors Llc
    33.60K0.63%

Top Fund Holders

  • Vanguard MStar Total Stk Mkt Idx Invest
    154.63K2.88%
  • iShares Russell 2000 ETF
    119.42K2.22%
  • Fidelity Small Cap Index
    51.52K0.96%
  • iShares Russell 2000 Value ETF
    48.71K0.91%
  • Avantis US Small Cap Value ETF
    46.30K0.86%

Dividends

20264×
0.31Nov 2, 20260.31Aug 3, 20260.31May 4, 20260.31Feb 2, 2026
20254×
0.31Nov 3, 20250.31Aug 4, 20250.31May 5, 20250.31Feb 3, 2025
20244×
0.31Nov 8, 20240.30Aug 5, 20240.30May 3, 20240.30Feb 2, 2024
20234×
0.30Nov 3, 20230.30Aug 4, 20230.30May 5, 20230.30Feb 3, 2023
20224×
0.30Nov 4, 20220.29Aug 5, 20220.28May 3, 20220.28Feb 4, 2022
20214×
0.28Nov 5, 20210.28Aug 6, 20210.27Apr 30, 20210.27Feb 5, 2021

Stock Splits

  • Mar 16, 20062:1