Loading…
MARKETS
TOOLS
LEARN
Equiscale · Syntellia LLC
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.
Rule-based from financial data. Not advice.
5-year financial trends. Figures in USD millions.
Latest fiscal year: 2025
Year-by-year revenue, profitability, and cash flow (USD millions, last 10 years)
| Year | Revenue | EBITDA | Net Profit | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|
| 2025 | $66M | - | $8M | $24M | 4.3% | 2.6% | -46.5% |
| 2024 | $65M | - | $15M | $18M | 12.9% | 2.7% | 64.0% |
| 2023 | $63M | - | $9M | $6M | 8.6% | 3.0% | -35.6% |
| 2022 | $61M | - | $15M | $13M | 14.3% | - | - |
| 2021 | - |
Income statement, balance sheet, and cash flow as reported
Consolidated Figures in USD Millions.
| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Total Revenue | - | 61.26 | 63.08 | 64.77 | 66.45 |
| Operating Revenue | - | 61.26 | 63.08 | 64.77 | 66.45 |
| Selling General And Administration | - | 28.27 | 34.41 | 33.60 | 36.38 |
| Interest Income | - | 54.58 | 82.57 | 90.69 | 98.62 |
| Interest Expense | - | 5.47 | 32.84 | 40.09 | 36.39 |
| Net Interest Income | - | 49.10 | 49.73 | 50.60 | 62.23 |
| Pretax Income | - | 17.67 | 10.63 | 18.90 | 9.93 |
| Tax Provision | - | 3.15 | 1.28 | 3.56 | 1.71 |
| Tax Rate For Calcs | - | 0 | 0 | 0 | 0 |
| Tax Effect Of Unusual Items | - | 0 | 0.05 | 0.69 | -0.06 |
| Net Income Continuous Operations | - | 14.52 | 9.36 | 15.34 | 8.21 |
| Net Income From Continuing And Discontinued Operation | - | 14.52 | 9.36 | 15.34 | 8.21 |
| Net Income From Continuing Operation Net Minority Interest | - | 14.52 | 9.36 | 15.34 | 8.21 |
| Net Income | - | 14.52 | 9.36 | 15.34 | 8.21 |
| Net Income Common Stockholders | - | 14.52 | 9.36 | 15.34 | 8.21 |
| Net Income Including Noncontrolling Interests | - | 14.52 | 9.36 | 15.34 | 8.21 |
| Normalized Income | - | 14.53 | 8.96 | 12.37 | 8.52 |
| Diluted NI Availto Com Stockholders | - | 14.52 | 9.36 | 15.34 | 8.21 |
| Basic Average Shares | - | 3.48 | 3.52 | 3.55 | 5.17 |
| Diluted Average Shares | - | 3.48 | 3.52 | 3.55 | 5.17 |
| Reconciled Depreciation | - | 0.98 | 1 | 0.98 | 0.78 |
| Total Unusual Items | - | -0.01 | 0.46 | 3.66 | -0.37 |
| Total Unusual Items Excluding Goodwill | - | -0.01 | 0.46 | 3.66 | -0.37 |
| Special Income Charges | - | -0.01 | 0.01 | 3.86 | -0.02 |
| Other Special Charges | - | 0.01 | -0.01 | -3.86 | 0.02 |
| Gain On Sale Of Security | - | -0.74 | 0 | 0 | -12.42 |
| General And Administrative Expense | - | 27.50 | 33.25 | 32.56 | 35.52 |
| Other Gand A | - | 1.16 | 1.36 | 1.07 | 1.37 |
| Salaries And Wages | - | 25.73 | 30.31 | 30.06 | 33.20 |
| Insurance And Claims | - | 0.61 | 1.58 | 1.43 | 0.95 |
| Selling And Marketing Expense | - | 0.77 | 1.16 | 1.04 | 0.86 |
| Occupancy And Equipment | - | 3.19 | 3.50 | 3.73 | 4.32 |
| Professional Expense And Contract Services Expense | - | 2.02 | 2.54 | 2.06 | 2.42 |
| Other Non Interest Expense | - | 8.26 | 10.75 | 9.14 | 9.94 |
Financial Services sector peers, ranked by market cap
| Company | Ticker | Market Cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|---|
| Eagle Financial Services, Inc.this co. | EFSI | $221M | 26.88↑ premium | 1.17 | 4.3% | - |
| Virginia National Bankshares Corporation | VABK | $229M | 11.89 | 1.24 | 10.5% | - |
| Ohio Valley Banc Corp. | OVBC | $227M | 14.56 | 1.33 | 9.2% | - |
| FB Bancorp, Inc. | FBLA | $225M | 179.93 | 0.72 | 0.4% | - |
| Peoples Bancorp of North Carolina, Inc. |
| - |
| - |
| - |
| - |
| - |
| - |
| PEBK |
| $223M |
| 11.26 |
| 1.42 |
| 12.6% |
| - |
| National Bankshares, Inc. | NKSH | $222M | 14.04 | 1.20 | 8.6% | - |
| Oportun Financial Corporation | OPRT | $220M | 8.73 | 0.57 | 6.5% | - |
| Meridian Corporation | MRBK | $220M | 10.09 | 1.10 | 10.9% | - |
| Kingstone Companies, Inc. | KINS | $219M | 5.38 | 1.79 | 33.2% | - |
| Peer Median | - | 11.58 | 1.22 | 9.8% | - | |
Historically, Aug has averaged the highest return (+3.3%); Feb the lowest (-3.4%).
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | -3.7%Negative MonthJan 2026: -3.74% | -9.4%Negative MonthFeb 2026: -9.40% | +0.8%Neutral MonthMar 2026: +0.78% | +7.7%Positive MonthApr 2026: +7.72% | +4.7%Positive MonthMay 2026: +4.72% | +5.1%Positive MonthJun 2026: +5.07% | -2.2%Negative MonthJul 2026: -2.19% | +4.1%*Positive MonthAug 2026: +4.09% | — | — | — | — |
| 2025 | -0.4%Neutral MonthJan 2025: -0.41% | -9.8%Negative MonthFeb 2025: -9.79% | +0.3%Neutral MonthMar 2025: +0.28% | -8.4%Negative MonthApr 2025: -8.42% | +4.9%Positive MonthMay 2025: +4.86% | -2.8%Negative MonthJun 2025: -2.76% | +7.8%Positive MonthJul 2025: +7.81% | +13.4%Positive MonthAug 2025: +13.39% | +1.1%Neutral MonthSep 2025: +1.07% | -4.3%Negative MonthOct 2025: -4.28% | +3.8%Positive MonthNov 2025: +3.76% | +5.9%Positive MonthDec 2025: +5.94% |
| 2024 | -0.1%Neutral MonthJan 2024: -0.07% | +0.1%Neutral MonthFeb 2024: +0.07% | -0.5%Neutral MonthMar 2024: -0.50% | -6.2%Negative MonthApr 2024: -6.20% | +7.1%Positive MonthMay 2024: +7.14% | +10.0%Positive MonthJun 2024: +9.97% | +2.7%Positive MonthJul 2024: +2.73% | -2.6%Negative MonthAug 2024: -2.63% | -1.8%Neutral MonthSep 2024: -1.82% | +1.0%Neutral MonthOct 2024: +1.05% | +8.4%Positive MonthNov 2024: +8.43% | +2.5%Positive MonthDec 2024: +2.54% |
| 2023 | -0.4%Neutral MonthJan 2023: -0.42% | -0.8%Neutral MonthFeb 2023: -0.84% | -4.3%Negative MonthMar 2023: -4.34% | -0.6%Neutral MonthApr 2023: -0.62% | -5.8%Negative MonthMay 2023: -5.78% | -4.1%Negative MonthJun 2023: -4.09% | +3.9%Positive MonthJul 2023: +3.93% | +0.9%Neutral MonthAug 2023: +0.95% | -0.3%Neutral MonthSep 2023: -0.31% | -2.9%Negative MonthOct 2023: -2.85% | -1.6%Neutral MonthNov 2023: -1.61% | -1.6%Neutral MonthDec 2023: -1.61% |
| 2022 | +0.9%Neutral MonthJan 2022: +0.87% | +3.0%Positive MonthFeb 2022: +3.00% | -1.5%Neutral MonthMar 2022: -1.53% | -1.6%Neutral MonthApr 2022: -1.55% | +1.7%Neutral MonthMay 2022: +1.72% | -0.2%Neutral MonthJun 2022: -0.17% | +1.6%Neutral MonthJul 2022: +1.58% | +2.7%Positive MonthAug 2022: +2.69% | -0.1%Neutral MonthSep 2022: -0.14% | -1.1%Neutral MonthOct 2022: -1.14% | +2.7%Positive MonthNov 2022: +2.74% | -4.1%Negative MonthDec 2022: -4.13% |
| 2021 | — | — | — | — | +0.1%Neutral MonthMay 2021: +0.12% | +1.7%Neutral MonthJun 2021: +1.67% | -0.3%Neutral MonthJul 2021: -0.29% | +1.5%Neutral MonthAug 2021: +1.47% | -0.9%Neutral MonthSep 2021: -0.87% | +2.3%Positive MonthOct 2021: +2.31% | +2.8%Positive MonthNov 2021: +2.80% | -3.7%Negative MonthDec 2021: -3.67% |
| Avg±SD |
Each cell is the percentage change in closing price from the end of the prior month to the end of this month. The bottom row shows the average return for that calendar month across the selected years, plus or minus one standard deviation — the range that historically contained roughly two-thirds of outcomes. Past monthly patterns are not a forecast of future returns.
This aggregates every month by calendar position — all Januaries together, all Februaries together, and so on — to show whether a given month has leaned positive or negative historically. ‘Simple’ counts each month as +1 or −1. ‘Weighted’ gives larger moves more influence: +2 above +10%, −2 below −10%. With only 6 years of history for this asset, each month’s score reflects a small number of observations — read it as a historical tendency, not a reliable seasonal pattern.
This tracks a running tally across the asset’s full price history: each month adds or subtracts based on whether it was positive or negative. A rising line means more positive months than negative so far; a flattening or falling line means recent months have leaned negative. This measures historical month-to-month consistency, not expected future performance.
Year-to-date return is calculated by dividing each day’s closing price by the price on January 1st of that year (or the asset’s first available price if it began trading mid-year). The custom average line shows the mean YTD return at each calendar day across the selected years. The standard deviation band shows the range within which returns have historically fallen — at 1 SD, roughly two-thirds of years; at 2 SD, roughly 95%. Past year-to-date patterns do not predict future returns. The average and standard deviation band are computed from the year set chosen in “Average from”, which is independent of which year lines are displayed. The current in-progress year is excluded from these calculations, since a partial year is not comparable to complete ones. Election-cycle groupings follow the US presidential calendar and are offered only for US and crypto assets.
