EFSI · Eagle Financial Services Inc
Price & Indicators
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AI Brief
TL;DR.
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Ask ALVIS about this →Equibles Rating
blended score · not investment adviceBlended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Strong BuyIllustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Adjusted consolidated net income non-GAAP | 2.23M | Three Months Ended June 30, 2026 | — |
| Adjusted consolidated noninterest income non-GAAP | 5.1M | Three Months Ended June 30, 2026 | — |
| Adjusted noninterest expenses (non-GAAP) non-GAAP | $15.53M | Three Months Ended 6/30/2026 | — |
| Adjusted noninterest income (non-GAAP) non-GAAP | $5.11M | Three Months Ended 6/30/2026 | — |
| Allowance for credit losses to total loans | 1.22% | 2Q26 | — |
| Annualized return on average equity | 10.35% | Three Months Ended June 30, 2026 | — |
| Assets under management | $599M | June 30, 2026 | — |
| Borrowing availability | 618.6M | 2Q26 | — |
| Efficiency ratio non-GAAP | 70.29% | 2Q26 | — |
| Fee revenue as a percent of total revenue | 14.82% | 2Q26 | — |
| Full-time equivalent employees | 259 | June 30, 2026 | — |
| Liquid assets | 345.3M | 2Q26 | — |
| Loans to deposits | 93.6% | 2Q26 | — |
| Net charge-offs | $2.2M | Q2 FY2026 | — |
| Net interest margin non-GAAP | 3.86% | Three Months Ended June 30, 2026 | — |
| Noninterest income, as adjusted non-GAAP | $5.1M | Q2 FY2026 | — |
| Tax-Equivalent Net Interest Income (non-GAAP) non-GAAP | $16.99M | Three Months Ended 6/30/2026 | — |
| Total net interest income and noninterest income, adjusted (non-GAAP) non-GAAP | $22.1M | Three Months Ended 6/30/2026 | — |
| Total non-performing assets to total assets | 0.89% | 2Q26 | — |
| Total non-performing loans to total loans | 1.08% | 2Q26 | — |
| Uninsured deposits | 217.3M | 2Q26 | — |
| Uninsured deposits as a percent of total deposits | 13.6% | 2Q26 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
EFSI
this stock
Eagle Financial Services Inc
|
$231.62M | +6.8% | -100.0% | 12.4 | 1.7% |
|
MFG
Mizuho Financial Group Inc
|
$123.19B | +38.4% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$118.97B | -36.1% | +15.2% | — | 0.5% |
|
IBN
Icici Bank Ltd
|
$105.45B | -0.4% | — | — | 0.5% |
|
CIXPF
CaixaBank/ADR
|
$100.59B | +18.7% | — | — | 0.1% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionPerformance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| EFSI | -1.9% | +2.5% | +22.4% | +4.8% | +6.8% |
| SPY | -2.0% | +3.3% | +11.2% | +2.1% | +11.8% |
| vs SPY | +0.1% | -0.8% | +11.2% | +2.7% | -5.1% |
Capital returns
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.