EFSI · Eagle Financial Services Inc
$45.75
-0.05 (-0.10%)
At close · Oct 9
Return incl. dividend (before tax)
Market Cap
$249.23M
Shares
5.41M
Volume · Oct 9
7146
Avg daily vol (3M)
51.66K
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$45.80
Open$45.72
Day$45.47–46.24
52W close$32.01–46.58
Avg vol 30d43K
Short int149K · 2.7% float · 2.7d
Short vol46%
Last earningsJul 24, 2026
DataJan 2020–Oct 2026
Filing10-Q · Aug 10
Up next
Next earnings call
Oct 23, 2026
Est · unconfirmed
· in 2 wks
filed Aug 10, 2026
call held Jul 24, 2026
Metrics snapshot
Useful current figures from the complete screener profile.
Revenue (TTM)
$90.49M
Trailing 12 months
Net income (TTM)
$18.64M
Trailing 12 months
Revenue growth YoY
+24.0%
Year over year
Operating margin
—
Trailing 12 months
P / E (TTM)
13.2
Trailing earnings · reciprocal yield 7.6%
FCF yield
3.3%
TTM · current market cap
Return on invested capital
—
Trailing 12 months
Net cash
$114.37M
Latest balance sheet
Dividend yield
2.7%
Trailing 12 months
Shares change YoY
+0.6%
Year over year · more shares
Price change (1Y)
+22.5%
Trailing year
Short interest
2.7%
Latest settlement · 2.7 days to cover
Equibles Rating
blended score · not investment adviceOverall
Buy
SellHoldBuy
Technical
Buy
Momentum
Very Strong
Sentiment
Neutral
Fundamentals
Fair
Quant / Vol
Moderate
Market backdrop
VIX 15.4 · calm
Equity put/call 0.62
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+15%
above
Price vs 50-day avg
+5%
above
RSI (14)
59
neutral
MACD trend
Negative
52-week position
95%
near high
Momentum
relative strength
1-month return
0%
trailing
6-month return
+17%
trailing
YTD return
+15%
this year
Relative strength
+8%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $44 › 200d $40 — 50d above 200d
Institutional flow
Accumulating
2 of 80 funds reported for Sep 30 · net +95 sh shares
Insider flow
Flat
No net insider activity over 90 days
Short interest
Rising
2.74% of float · ▲ +13.9% MoM · 2.7 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
80 holders — near 4-yr high, broad support
Squeeze score
54
elevated · 0–100
Fundamentals
Revenue growth
−100%
Y/Y
EPS growth
−63%
Y/Y
Free cash flow
$24.3M
Valuation
P/E 13.3
in line
Balance sheet
$147.6M
net cash
Quant / Vol
risk profile
Volatility
26%
annualized · 1-yr
Max drawdown
−22%
past year
ATR
2.2%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Technicals
trend & momentum for long-term holders Buy
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+15%
Bullish
Price vs 50-day avg
+5%
Bullish
RSI (14)
59
Neutral
MACD trend
Negative
Bearish
52-week position
95%
Bullish
Market signals — smart money & positioning
Bullish · 2 of 6
Trend (MA cross)
No cross
50d $44 › 200d $40 — 50d above 200d
Institutional flow
Accumulating
2 of 80 funds reported for Sep 30 · net +95 sh shares
Insider flow
Flat
No net insider activity over 90 days
Short interest
Rising
2.74% of float · ▲ +13.9% MoM · 2.7 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
80 holders — near 4-yr high, broad support
Price context
position in its 52-week range
Range low $32
Now $46 · 95%
Range high $47
vs 200-day avg +15%
vs 50-day avg +5%
Illustrative 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 |
|---|---|---|---|
| Efficiency ratio non-GAAP | 70.29% | the three months ended June 30, 2026 filing | — |
| Interest expense as a percent of average earning assets | 1.68% | three months ended June 30, 2026 filing | — |
| Loans sold on the secondary market | $28.2M | the three months ended June 30, 2026 filing | — |
| Net interest margin (non-GAAP) non-GAAP | 3.86% | three months ended June 30, 2026 filing | — |
| Net interest spread | 3.01% | three months ended June 30, 2026 filing | — |
| Tax-Equivalent Net Interest Income non-GAAP | 16.99M | three months ended June 30, 2026 filing | — |
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
|
$249.23M | +15.1% | -100.0% | 13.3 | 2.7% |
|
MFG
Mizuho Financial Group Inc
|
$129.14B | +45.8% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$113.12B | -39.8% | -3.2% | — | 0.7% |
|
ITUB
Itau Unibanco Holding S.A.
|
$108.34B | +37.3% | — | — | 0.2% |
|
IBN
Icici Bank Ltd
|
$100.14B | -6.4% | — | — | 0.6% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Financials
Filings
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| EFSI | +1.1% | +0.3% | +16.8% | +1.1% | +15.1% |
| SPY | +1.3% | +2.1% | +9.0% | +1.5% | +13.5% |
| vs SPY | -0.2% | -1.8% | +7.8% | -0.4% | +1.6% |
Capital returns
Latest dividend
$0.31
/ share · ex Aug 3, 2026
Paid (TTM)
$1.24
/ share · 4 payouts
Dividend yield (TTM, derived)
2.71%
Buyback program
· as of Dec 31, 2025
Authorized
shares 150,000
Spent (derived)
shares 818
Remaining
shares 149,182
Spent
Remaining
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.