Stocks · Financial Services · Banks - Regional
Eagle Financial Services, Inc. EFSI
$45.51 +0.44% Close, Oct 2, 2026 · NASDAQ · Market cap $246.3M
Next earnings report: Oct 22, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Diluted EPS over the last four quarters was $3.46, up 60.9% year over year.
- The stock is in an uptrend: above its 200-day average for 98 trading days, with the 50-day average above the 200-day.
- Operating margin widened to 15.9% from 9.7% a year earlier.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 25%
- EPS growth (TTM, YoY)Top 18%
- FCF growth (TTM, YoY)Bottom 11%
- Revenue growth, 3-year CAGRTop 45%
- Revenue growth accelerationBottom 47%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 16%
- Gross marginTop 42%
- Operating marginBottom 36%
- Cash conversion (OCF / net income)Bottom 27%
- Accruals (lower is better)Bottom 27%
- Net debt / EBITDA (lower is better)Top 41%
- Interest coverBottom 30%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 41%
- Free-cash-flow yieldBottom 33%
- EBITDA / enterprise valueTop 43%
- Sales / enterprise valueTop 29%
- P/E vs own 5-year history (lower is better)Bottom 25%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 48%
- 6-month returnTop 12%
- 1-year return vs S&P 500Top 30%
- Distance from 52-week highTop 27%
- Trend checklist (0–4)Top 27%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 15%
- Consecutive EPS beatsBottom 17%
- Share of analysts rating BuyTop 24%
- Upside to consensus price targetBottom 12%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 30%
- Maximum drawdown, 3 yearsTop 30%
- Beta vs S&P 500 (lower is better)Top 25%
- Net debt / EBITDA (lower is better)Top 41%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 19.0% | 18.4% | ↓ |
| EPS growth (YoY) | 70.0% | 60.9% | ↓ |
| Gross margin | 55.7% | 67.9% | ↑ |
| Operating margin | 9.7% | 15.9% | ↑ |
| FCF margin | 21.0% | 9.1% | ↓ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 18.4% | 19.0% | ↓ | Top 25% |
| EPS growth (TTM, YoY) | 60.9% | 70.0% | ↓ | Top 18% |
| Gross margin | 67.9% | 55.7% | ↑ | Top 42% |
| Operating margin | 15.9% | 9.7% | ↑ | Bottom 36% |
| Net margin | 15.8% | 8.0% | ↑ | — |
| Free-cash-flow margin | 9.1% | 21.0% | ↓ | — |
| Return on invested capital | -1.0% | — | Bottom 16% | |
| Revenue growth, 3-year CAGR | 16.1% | — | Top 45% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 0.60×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- 0.4%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.6%
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 0.58×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.6×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 2.72%
- Net buyback yield (TTM)
- 0.13%
- Shareholder yield
- 2.84%
- Share count change, 1 year
- +0.8%
- Share count change, 3-year CAGR
- +15.4%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 10, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 0
- Beats in the last 8 reports
- 3 of 7
- Average EPS surprise, last 4
- -10.8%
- Average 2-day reaction, last 8
- -0.2%
- Positive 20 days after report
- 2 of 8
Analysts
- Consensus price target
- $46.00
- Target vs current price
- +1.1%
- Analysts with a rating
- 3
- Share rating Buy or Strong Buy
- 67%
- Consensus rating
- Buy
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 23, 2026 | -47.2% | +0.4% | +0.4% | +2.2% | — |
| Apr 23, 2026 | -19.8% | +0.4% | -3.1% | -4.6% | +5.6% |
| Jan 26, 2026 | -6.4% | -0.3% | -4.3% | -6.8% | -2.4% |
| Oct 23, 2025 | +30.0% | -0.5% | -2.6% | -6.7% | +5.7% |
| Jul 24, 2025 | +19.5% | -1.4% | -2.4% | +3.0% | +4.6% |
| Apr 25, 2025 | -32.6% | -0.2% | -7.1% | -4.3% | +4.4% |
| Jan 27, 2025 | +3.6% | -0.0% | +0.3% | -9.6% | -12.3% |
| Jan 24, 2025 | — | +0.0% | +0.3% | -9.4% | -13.8% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 23, 2026 | $0.41 | $0.78 | -47.2% | $25.6M |
| Apr 23, 2026 | $0.69 | $0.86 | -19.8% | $20.8M |
| Jan 26, 2026 | $0.81 | $0.87 | -6.4% | $21.7M |
| Oct 23, 2025 | $1.04 | $0.80 | +30.0% | $22.0M |
| Jul 24, 2025 | $0.98 | $0.82 | +19.5% | $20.1M |
| Apr 25, 2025 | $0.62 | $0.92 | -32.6% | $14.4M |
| Jan 27, 2025 | $0.86 | $0.83 | +3.6% | $18.2M |
| Jan 24, 2025 | $0.87 | — | — | $27.8M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 13.2× | 10.6× | 81th | Top 41% |
| P/E (forward) | 16.1× | — | — | — |
| EV / EBITDA | 13.2× | — | — | Top 43% |
| EV / Sales | 2.19× | — | — | Top 29% |
| Free-cash-flow yield | 4.33% | — | — | Bottom 33% |
| Earnings yield | 7.60% | — | — | Top 41% |
P/E over the past five years
Range 7.6× – 25.0× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +21.6%
- Earnings per share growth (TTM)
- +60.9%
- Change in P/E multiple
- -23.2%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✓ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 20
- Days above the 200-day average
- 98
- 50-day average slope (20 days)
- +4.1%
- 200-day average slope (20 days)
- +2.1%
- Distance from 50-day average
- +5.1%
- Distance from 200-day average
- +14.5%
- RSI (14)
- 57.4
- Relative volume
- 0.69×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 29.0%
- Volatility vs own 5-year history
- 93th percentile · High for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.32
- Correlation with S&P 500
- 0.21
- Current drawdown from 1-year high
- -2.3%
- Maximum drawdown, 3 years
- -21.9%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Nov 14, 2022 | May 1, 2024 | -26.6% | 366 days | 346 days (Sep 18, 2025) |
| Dec 18, 2025 | Mar 20, 2026 | -21.9% | 62 days | 53 days (Jun 5, 2026) |
| Sep 23, 2025 | Nov 19, 2025 | -12.5% | 41 days | 14 days (Dec 10, 2025) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $246.3M
- P/E (TTM)
- 13.2
- EPS, diluted (TTM)
- $3.46
- Revenue (TTM)
- $117.6M
- Dividend yield
- 2.72%
- 52-week range
- $31.44 – $48.17
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $52.7M | $66.7M | $95.9M | $105.9M | $104.5M |
| Gross profit | $49.5M | $59.4M | $61.4M | $63.3M | $64.4M |
| Operating income | $12.8M | $17.7M | $10.6M | $18.9M | $9.9M |
| Net income | $11.0M | $14.5M | $9.4M | $15.3M | $8.2M |
| EPS (diluted) | $3.20 | $4.17 | $2.66 | $4.32 | $1.59 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $27.8M | $27.8M | $14.4M | $29.3M | $30.7M | $30.1M | $23.8M | $33.0M |
| Net income | $3.4M | $6.2M | -$7.0M | $5.3M | $5.6M | $4.3M | $3.7M | $5.0M |
| EPS (diluted) | $0.96 | $1.74 | -$1.53 | $0.98 | $1.04 | $0.81 | $0.69 | $0.92 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $16.5M | $13.8M | $6.9M | $18.8M | $27.9M |
| Capital expenditure | -$520,000 | -$838,000 | -$1.1M | -$1.0M | -$1.4M |
| Free cash flow | $15.9M | $13.0M | $5.8M | $17.7M | $26.5M |
| Dividends paid | -$3.3M | -$3.8M | -$4.2M | -$4.3M | -$6.1M |
| Net share buybacks | $30,000 | $10,000 | -$170,000 | -$237,000 | $53.2M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $132.6M
- Total assets
- $1.85B
- Total liabilities
- $1.65B
- Total debt
- $29.6M
- Net debt
- $11.3M
- Shareholders’ equity
- $193.9M
As of Jun 30, 2026 (filed Aug 10, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Aug 3, 2026 | $0.31 | Aug 14, 2026 |
| May 4, 2026 | $0.31 | May 15, 2026 |
| Feb 2, 2026 | $0.31 | Feb 13, 2026 |
| Nov 3, 2025 | $0.31 | Nov 14, 2025 |
| Aug 4, 2025 | $0.31 | Aug 15, 2025 |
| May 5, 2025 | $0.31 | May 16, 2025 |
| Feb 3, 2025 | $0.31 | Feb 14, 2025 |
| Nov 8, 2024 | $0.31 | Nov 15, 2024 |
Short interest
- Shares sold short
- 148,503
- Days to cover
- 2.73
- Change vs previous report
- +13.9%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Mar 16, 2006
- 2-for-1