US · EFSI
Eagle Financial Services, Inc.
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Berryville, VA 22611
- Website
- bankofclarke.bank
Price · as of 2024-12-31
$37.96
Market cap 186.61M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $25.83 | -31.95% |
| Intrinsic Value(DCF) | $35.36 | -6.85% |
| Graham-Dodd Method(GD) | $36.92 | -2.74% |
| Graham Formula(GF) | $78.05 | +105.6% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2010 | $9.94 | $31.99 | $14.41 | $14.55 | $11.80 |
| 2011 | $12.28 | $35.44 | $23.57 | $16.17 | $8.91 |
| 2012 | $14.65 | $53.69 | $25.95 | $20.87 | $14.13 |
| 2013 | $15.21 | $115.34 | $26.11 | $21.68 | $10.70 |
| 2014 | $15.66 | $62.50 | $27.51 | $23.21 | $14.92 |
| 2015 | $16.19 | $40.87 | $29.22 | $23.35 | $9.99 |
| 2016 | $20.31 | $26.17 | $33.99 | $21.59 | $24.76 |
| 2017 | $24.52 | $43.83 | $42.00 | $23.92 | $37.58 |
| 2018 | $25.65 | $383.13 | $45.23 | $26.28 | $40.54 |
| 2019 | $25.25 | $3,089.25 | $51.76 | $29.14 | $55.65 |
| 2020 | $26.41 | $32.88 | $62.27 | $33.05 | $65.35 |
| 2021 | $30.87 | $18.43 | $72.16 | $33.82 | $65.81 |
| 2022 | $31.13 | $70.53 | $106.51 | $33.66 | $140.80 |
| 2023 | $27.86 | $100.98 | $326.35 | $26.03 | $132.85 |
| 2024 | $31.15 | $25.83 | $296.65 | $36.92 | $78.05 |
AI valuation
Our deep-learning model estimates Eagle Financial Services, Inc.'s (EFSI) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $25.83
- Current price
- $37.96
- AI upside
- -31.95%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$35.36
-6.85% upside
Graham-Dodd
$36.92
-2.74% upside
Graham Formula
$78.05
+105.6% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| EFSI | Eagle Financial Services,… | $37.96 | 186.61M | -32% | -7% | -3% | +106% | 7.21 | 0.93 | 1.05 | 4.20 | 11.56 | 0.93 | 59.74% | 17.84% | 14.48% | 13.50% | 21.15% | 0.83% | 1.26 | 0.47 | 0.11 | 0.11 | -1.32 | 6241.00% | 1043.00% | 20570.00% | 16.03% | 0.01 | 24.46% | 3.88% | 28.00% | 102.19% | 4.42 | 4.71 | 0.79 | -0.70 |
| ATLO | Ames National Corporation | $27.01 | 240.18M | +34% | +34% | -68% | -23% | 15.72 | 0.92 | 1.74 | -3.03 | — | 1.00 | 58.65% | 13.24% | 11.05% | 6.00% | -4.10% | 0.48% | 0.57 | 0.33 | 0.17 | 0.17 | -0.58 | -500.00% | 1069.00% | -218.00% | 8.72% | 0.01 | -5.62% | 5.65% | 88.90% | 73.72% | -3.45 | -3.01 | -0.46 | -0.66 |
| CBNA | Chain Bridge Bancorp, Inc… | $34.50 | 226.38M | +47% | +6,899% | +44% | +766% | 5.38 | 0.78 | 1.98 | -24.53 | 2.66 | 0.78 | 93.16% | 46.08% | 36.75% | 18.40% | -3.77% | 1.61% | 0.00 | 7.09 | 0.62 | 0.62 | -15.35 | 20217.00% | 6638.00% | 7200.00% | 19.15% | 0.02 | -3.88% | 0.00% | 0.00% | 87.86% | -24.99 | -30.43 | -11.51 | -0.17 |
| FCCO | First Community Corporati… | $28.82 | 221.62M | +60% | -11% | -39% | +109% | 12.37 | 1.19 | 1.75 | 6.91 | 73.74 | 1.33 | 61.24% | 18.04% | 14.16% | 10.13% | 84.56% | 0.74% | 0.84 | 0.48 | 0.09 | 0.09 | -1.48 | 1677.00% | 2578.00% | -1238.00% | 5.66% | 0.01 | 59.23% | 2.56% | 31.60% | 63.90% | 7.64 | 13.89 | 1.38 | -0.81 |
| FRAF | Franklin Financial Servic… | $51.48 | 230.58M | +684% | +997% | +18% | +127% | 11.22 | 1.43 | 1.78 | 9.07 | 12.63 | 1.43 | 64.34% | 19.67% | 15.89% | 13.65% | 388.83% | 1.93% | 0.00 | 0.59 | — | — | 0.00 | 8884.00% | 1732.00% | -10000.00% | 0.00% | — | 0.00% | 0.00% | 0.00% | 7.91% | 9.07 | — | 1.78 | — |
| FSFG | First Savings Financial G… | $33.98 | 238.37M | -14% | -33% | -25% | -27% | 14.76 | 1.13 | 1.49 | 14.70 | 22.24 | 1.22 | 50.14% | 10.87% | 10.11% | 8.29% | 5.13% | 0.57% | 1.98 | 0.23 | 0.17 | 0.17 | 17.53 | 6639.00% | 458.00% | 20371.00% | 45.11% | 0.05 | 34.19% | 2.02% | 29.80% | 43.26% | 17.08 | 2.76 | 1.86 | -0.55 |
| FXNC | First National Corporatio… | $26.55 | 239.24M | +433% | +59% | +14% | +153% | 13.62 | 1.29 | 2.15 | 2.06 | 14.18 | 1.42 | 74.03% | 19.56% | 15.78% | 10.04% | 154.58% | 0.87% | 0.23 | 0.84 | 0.48 | 0.48 | 0.99 | 9600.00% | 2711.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 2.06 | — | 0.40 | 0.09 |
| MNSB | MainStreet Bancshares, In… | $22.20 | 166.42M | +779% | -12% | +75% | -38% | 10.89 | 0.78 | 1.25 | 8.29 | — | 0.78 | 54.39% | 14.05% | 11.49% | 7.32% | 7.11% | 0.70% | 0.32 | 0.31 | — | — | 2.34 | -21000.00% | -144.00% | -10000.00% | 0.00% | — | 0.00% | 0.00% | 0.00% | 0.00% | 8.29 | — | 1.16 | 0.25 |
| NKSH | National Bankshares, Inc. | $37.55 | 239.04M | +3% | -24% | -81% | -23% | 21.06 | 1.03 | 2.03 | 1.86 | — | 1.12 | 55.80% | 11.53% | 9.64% | 5.13% | -2.77% | 0.44% | 0.00 | 0.27 | 0.09 | 0.09 | -10.51 | -5338.00% | 1597.00% | -5594.00% | 3.85% | 0.01 | -2.25% | 5.77% | 121.50% | 18.99% | 2.09 | 3.08 | 0.24 | -0.72 |
| OPBK | OP Bancorp | $13.36 | 198.87M | +436% | +13% | +2% | +122% | 8.33 | 0.86 | 1.14 | 4.70 | — | 0.90 | 51.46% | 18.88% | 13.68% | 10.60% | 21.70% | 0.93% | 0.50 | 0.40 | 0.07 | 0.07 | -1.06 | -1032.00% | 1340.00% | -5464.00% | 16.98% | 0.02 | 30.67% | 4.07% | 33.90% | 37.12% | 4.92 | 4.81 | 0.93 | -0.73 |
| VABK | Virginia National Banksha… | $38.72 | 208.82M | +473% | -20% | +31% | -18% | 11.24 | 1.18 | 2.60 | 10.25 | 88.55 | 1.25 | 68.95% | 28.90% | 23.11% | 11.18% | 10.28% | 1.18% | 0.20 | 0.94 | 0.01 | 0.01 | 1.25 | 1270.00% | 88.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 10.25 | — | 2.96 | -0.22 |
About Eagle Financial Services, Inc.
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.
- CEO
- Brandon Craig Lorey
- Employees
- 225
- Beta
- 0.18
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($35.36 ÷ $37.96) − 1 = -6.85% (DCF, example).