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Eagle Financial Services, Inc.(EFSI)Earnings, Financials & Key Ratios
EFSI•NASDAQ•Banking & Credit
27.1× P/E·Price updated Jun 13, 2026
AboutEagle 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.Show more
- Net Interest Income$62M+23.1%
- Total Revenue$105M-1.3%
- Net Income$8M-46.5%
- Return on Equity5.34%-60.5%
- Net Interest Margin3.3%+21.6%
- Efficiency Ratio52.16%+24.5%
- ROA0.44%-47.4%
- Equity / Assets10%+56.8%
- Book Value per Share35.17+5.1%
- Tangible BV/Share35.17+5.1%
- Debt/Equity0.37-70.7%
EFSI Key Insights
Eagle Financial Services, Inc. (EFSI) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Efficient operations: 52.2% efficiency ratio
- ✓23 consecutive years of dividend growth
- ✓Healthy dividend yield of 2.6%
- ✓Trading near 52-week high
- ✓Trading at only 1.2x book value
✗Weaknesses
- ✗Shares diluted 51.1% in last year
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
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EFSI Price & Volume
Eagle Financial Services, Inc. (EFSI) stock price & volume — 10-year historical chart
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EFSI Growth Metrics
Eagle Financial Services, Inc. (EFSI) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years13.39%
5 Years17.53%
3 Years16.14%
TTM-
Profit CAGR
10 Years1.76%
5 Years-5.97%
3 Years-17.3%
TTM-46.46%
EPS CAGR
10 Years-2.12%
5 Years-13.43%
3 Years-27.49%
TTM-69.91%
Return on Capital
10 Years8.67%
5 Years6.44%
3 Years4.58%
Last Year3.63%
EFSI Recent Earnings
Eagle Financial Services, Inc. (EFSI) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 2/12 qtrs (40%)●Beat Revenue 2/12 qtrs (40%)
Q2 2026Latest
Apr 23, 2026EPS
$0.69
Est $0.86
-19.8%
Revenue
$21M
Est $21M
-1.7%
Q2 2026
Mar 16, 2026EPS
$0.81
Revenue
$30M
Q1 2026
Jan 26, 2026EPS
$0.81
Est $0.86
-6.4%
Revenue
$22M
Est $20M
+6.5%
Q4 2025
Oct 23, 2025EPS
$1.04
Est $0.80
+30.0%
Revenue
$22M
Est $20M
+7.7%
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 23, 2026 | $0.69vs $0.86-19.8% | $21Mvs $21M-1.7% |
| Q2 2026 | Mar 16, 2026 | $0.81 | $30M |
| Q1 2026 | Jan 26, 2026 | $0.81vs $0.86-6.4% | $22Mvs $20M+6.5% |
| Q4 2025 | Oct 23, 2025 | $1.04vs $0.80+30.0% | $22Mvs $20M+7.7% |
Based on last 12 quarters of dataView full earnings history →
EFSI Peer Comparison
Eagle Financial Services, Inc. (EFSI) competitors in Community and retail regional banks — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 CZWI | 206.63M | 21.46 | 14.70 | -9.41% | 16.01% | 7.81% | 0.28 | |
 FUNC | 272.21M | 41.87 | 11.11 | 6.6% | 20.51% | 12.61% | 0.56 | |
 MNSB | 183.64M | 24.93 | 14.16 | -1.44% | 11.53% | 7.26% | 0.32 | |
 BSVN | 446.2M | 46.48 | 10.33 | -3.87% | 31.38% | 18.21% | ||
 NBTB | 2.52B | 48.18 | 14.47 | 10.36% | 18.76% | 9.51% | 0.17 | |
 FXNC | 272.95M | 30.19 | 15.40 | 27.11% | 15.35% | 9.98% | 0.23 | |
 NKSH | 231.36M | 36.33 | 14.59 | 7.88% | 18.57% | 9.04% | 0.01 | |
 FIS | 20.26B | 39.20 | 52.27 | 5.43% | 22.91% | 18.45% | 0.29 |
Compare EFSI vs Peers
Eagle Financial Services, Inc. (EFSI) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
EFSI Income Statement
Eagle Financial Services, Inc. (EFSI) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Net Interest Income | 27.14M | 29.35M | 31.14M | 35.55M | 40.95M | 49.1M | 49.73M | 50.6M | 62.29M |
NII Growth % | 10.14% | 8.16% | 6.12% | 14.15% | 15.2% | 19.9% | 1.28% | 1.74% | 23.1% |
Net Interest Margin % | 3.54% | 3.67% | 3.55% | 3.15% | 3.14% | 3.04% | 2.72% | 2.71% | 3.3% |
Interest Income | 28.29M | 31.86M | 35.38M | 38.83M | 42.63M | 54.58M | 82.57M | 90.69M | 98.68M |
Interest Expense | 1.15M | 2.52M | 4.24M | 3.28M | 1.68M | 5.47M | 32.84M | 40.09M | 36.39M |
Loan Loss Provision | -625K | 777K | 629K | 1.46M | 1.48M | 1.83M | 1.65M | 2.55M | 3.7M |
Non-Interest Income | 6.04M | 5.16M | 6.11M | 7.78M | 10.03M | 12.15M | 13.35M | 15.23M | 5.86M |
Non-Interest Income % | 17.59% | 13.94% | 14.72% | 16.7% | 19.04% | 18.21% | 13.92% | 14.38% | 5.61% |
Total Revenue | 34.33M▲ 0% | 37.03M▲ 7.9% | 41.49M▲ 12.1% | 46.62M▲ 12.3% | 52.66M▲ 13.0% | 66.73M▲ 26.7% | 95.92M▲ 43.7% | 105.92M▲ 10.4% | 104.54M▼ 1.3% |
Revenue Growth % | 9.08% | 7.86% | 12.06% | 12.35% | 12.97% | 26.72% | 43.74% | 10.43% | -1.31% |
Non-Interest Expense | 22.39M | 23.42M | 25.05M | 28.57M | 36.71M | 41.76M | 50.8M | 44.38M | 54.52M |
Efficiency Ratio | 65.21% | 63.25% | 60.39% | 61.29% | 69.72% | 62.57% | 52.96% | 41.9% | 52.16% |
Operating Income | 11.41M▲ 0% | 10.31M▼ 9.6% | 11.57M▲ 12.2% | 13.31M▲ 15.0% | 12.79M▼ 3.9% | 17.67M▲ 38.2% | 10.63M▼ 39.8% | 18.9M▲ 77.8% | 9.93M▼ 47.5% |
Operating Margin % | 33.24% | 27.86% | 27.88% | 28.55% | 24.28% | 26.48% | 11.09% | 17.84% | 9.49% |
Operating Income Growth % | 27.89% | -9.61% | 12.16% | 15.03% | -3.91% | 38.2% | -39.83% | 77.76% | -47.49% |
Pretax Income | 11.41M▲ 0% | 10.31M▼ 9.6% | 11.57M▲ 12.2% | 13.31M▲ 15.0% | 12.79M▼ 3.9% | 17.67M▲ 38.2% | 10.63M▼ 39.8% | 18.9M▲ 77.8% | 9.93M▼ 47.5% |
Pretax Margin % | 33.24% | 27.86% | 27.88% | 28.55% | 24.28% | 26.48% | 11.09% | 17.84% | 9.49% |
Income Tax | 3.63M | 1.31M | 1.81M | 2.14M | 1.77M | 3.15M | 1.28M | 3.56M | 1.71M |
Effective Tax Rate % | 31.77% | 12.74% | 15.65% | 16.05% | 13.81% | 17.83% | 12% | 18.82% | 17.24% |
Net Income | 7.79M▲ 0% | 9M▲ 15.6% | 9.76M▲ 8.4% | 11.17M▲ 14.5% | 11.02M▼ 1.4% | 14.52M▲ 31.8% | 9.36M▼ 35.6% | 15.34M▲ 64.0% | 8.21M▼ 46.5% |
Net Margin % | 22.68% | 24.31% | 23.52% | 23.97% | 20.93% | 21.76% | 9.76% | 14.48% | 7.86% |
Net Income Growth % | 22.23% | 15.6% | 8.42% | 14.48% | -1.35% | 31.76% | -35.56% | 63.97% | -46.46% |
Net Income (Continuing) | 7.79M | 9M | 9.76M | 11.17M | 11.02M | 14.52M | 9.36M | 15.34M | 8.21M |
EPS (Diluted) | 2.24▲ 0% | 2.60▲ 16.1% | 2.84▲ 9.2% | 3.27▲ 15.1% | 3.20▼ 2.1% | 4.17▲ 30.3% | 2.66▼ 36.2% | 4.32▲ 62.4% | 1.59▼ 63.2% |
EPS Growth % | 23.76% | 16.07% | 9.23% | 15.14% | -2.14% | 30.31% | -36.21% | 62.41% | -63.19% |
EPS (Basic) | 2.24 | 2.60 | 2.84 | 3.27 | 3.20 | 4.17 | 2.66 | 4.32 | 1.59 |
Diluted Shares Outstanding | 3.48M | 3.46M | 3.44M | 3.42M | 3.44M | 3.48M | 3.52M | 3.55M | 5.37M |
EFSI Balance Sheet
Eagle Financial Services, Inc. (EFSI) balance sheet — assets, liabilities & shareholders' equity
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash & Short Term Investments | 165.24M | 162.65M | 199.61M | 244.65M | 256.16M | 216.05M | 249.51M | 176.72M | 137.27M |
Cash & Due from Banks | 32.67M | 18.35M | 33.41M | 79.7M | 63.84M | 66.53M | 112.07M | 175.72M | 13.94M |
Short Term Investments | 133.67M | 145.47M | 166.2M | 164.96M | 192.32M | 149.16M | 137.44M | 994K | 123.33M |
Total Investments | 696.97M | 745.67M | 804.79M | 994.19M | 1.17B | 1.46B | 1.59B | 1.58B | 1.58B |
Investments Growth % | 10.33% | 6.99% | 7.93% | 23.53% | 17.7% | 24.93% | 8.58% | -0.71% | 0.32% |
Long-Term Investments | 564.41M | 601.37M | 639.79M | 829.24M | 977.81M | 1.31B | 1.45B | 1.58B | 1.46B |
Accounts Receivables | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Goodwill & Intangibles | 0 | 0 | 0 | 0 | 0 | 684K | 153K | 0 | 0 |
Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Intangible Assets | 0 | 0 | 0 | 0 | 0 | 684K | 153K | 0 | 0 |
PP&E (Net) | 19.58M | 19.08M | 19.3M | 18.73M | 18.25M | 18.06M | 18.11M | 14.34M | 14.91M |
Other Assets | 16.53M | 16.51M | 19.83M | 37.54M | 50.82M | 69.2M | 107.97M | 100.14M | 278.69M |
Total Current Assets | 165.24M | 162.65M | 199.61M | 244.65M | 256.16M | 216.05M | 249.51M | 176.72M | 137.27M |
Total Non-Current Assets | 597.34M | 636.97M | 678.91M | 885.5M | 1.05B | 1.4B | 1.58B | 1.69B | 1.75B |
Total Assets | 765.75M▲ 0% | 799.62M▲ 4.4% | 877.32M▲ 9.7% | 1.13B▲ 28.8% | 1.3B▲ 15.3% | 1.62B▲ 24.1% | 1.83B▲ 12.9% | 1.87B▲ 2.2% | 1.89B▲ 1.2% |
Asset Growth % | 9.37% | 4.42% | 9.72% | 28.82% | 15.3% | 24.07% | 12.92% | 2.22% | 1.2% |
Return on Assets (ROA) | 1.06% | 1.15% | 1.16% | 1.11% | 0.91% | 0.99% | 0.54% | 0.83% | 0.44% |
Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Total Debt | 0 | 1.87M | 3.68M | 4.11M | 0 | 237.36M | 194.44M | 149.51M | 69.58M |
Net Debt | -32.67M | -16.48M | -29.73M | -75.58M | -63.84M | 170.83M | 82.38M | -26.21M | 55.64M |
Long-Term Debt | 0 | 0 | 0 | 0 | 0 | 204.38M | 174.44M | 124.51M | 69.58M |
Short-Term Debt | 0 | 1.87M | 0 | 0 | 0 | 32.98M | 20M | 25M | 0 |
Other Liabilities | 18.52M | 7.04M | 5.77M | 7.87M | 15.52M | 13.56M | 16.45M | 22.56M | 22.85M |
Total Current Liabilities | 663.41M | 704.98M | 771.54M | 1.01B | 1.18B | 1.3B | 1.53B | 1.6B | 1.61B |
Total Non-Current Liabilities | 18.52M | 7.04M | 9.45M | 11.98M | 15.52M | 217.93M | 190.9M | 147.07M | 92.43M |
Total Liabilities | 681.93M | 712.02M | 780.99M | 1.03B | 1.19B | 1.51B | 1.72B | 1.75B | 1.7B |
Total Equity | 83.82M▲ 0% | 87.6M▲ 4.5% | 96.33M▲ 10.0% | 105.07M▲ 9.1% | 110.28M▲ 5.0% | 101.73M▼ 7.8% | 108.38M▲ 6.5% | 118.99M▲ 9.8% | 188.84M▲ 58.7% |
Equity Growth % | 5.54% | 4.51% | 9.96% | 9.08% | 4.95% | -7.75% | 6.54% | 9.79% | 58.71% |
Equity / Assets (Capital Ratio) | 10.95% | 10.96% | 10.98% | 9.3% | 8.46% | 6.29% | 5.94% | 6.38% | 10% |
Return on Equity (ROE) | 9.54% | 10.5% | 10.61% | 11.09% | 10.24% | 13.7% | 8.91% | 13.5% | 5.34% |
Book Value per Share | 24.11 | 25.30 | 28.01 | 30.75 | 32.06 | 29.21 | 30.76 | 33.48 | 35.17 |
Tangible BV per Share | 24.11 | 25.30 | 28.01 | 30.75 | 32.06 | 29.02 | 30.72 | 33.48 | 35.17 |
Common Stock | 8.59M | 8.57M | 8.53M | 8.46M | 8.56M | 8.63M | 8.66M | 8.71M | 13.26M |
Additional Paid-in Capital | 12.07M | 11.99M | 11.41M | 10.81M | 12.12M | 13.27M | 14.28M | 14.9M | 64.72M |
Retained Earnings | 62.9M | 68.59M | 74.91M | 82.52M | 89.76M | 100.28M | 103.44M | 114.01M | 116.11M |
Accumulated OCI | 310K | -1.55M | 1.48M | 3.28M | -155K | -20.45M | -18.01M | -18.64M | -5.26M |
Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
EFSI Cash Flow Statement
Eagle Financial Services, Inc. (EFSI) cash flow — operating, investing & free cash flow history
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash from Operations | 9.37M | -1.52M | 11.35M | 11.01M | 16.46M | 13.81M | 6.88M | 18.76M | 27.86M |
Operating CF Growth % | -3.43% | -116.26% | 845.11% | -3.01% | 49.55% | -16.07% | -50.23% | 172.9% | 48.49% |
Net Income | 7.79M | 9M | 9.76M | 11.17M | 11.02M | 14.52M | 9.36M | 15.34M | 0 |
Depreciation & Amortization | 946K | 925K | 1.31M | 1.03M | 996K | 979K | 1M | 979K | 0 |
Deferred Taxes | 532K | -399K | 516K | -471K | -1.44M | -86K | -1.51M | 600K | 0 |
Other Non-Cash Items | 45K | 2.31M | 1.48M | 1.53M | 1.15M | 2.83M | 60K | -3.2M | 25.56M |
Working Capital Changes | -324K | -13.88M | -2.28M | -2.86M | 3.88M | -5.45M | -3.25M | 4.13M | 2.3M |
Cash from Investing | -64.29M | -53.66M | -57.98M | -201.47M | -193.22M | -331.34M | -130.28M | 16.75M | -3.07M |
Purchase of Investments | -43.8M | -36.53M | -54.31M | -78.44M | -100.82M | -26.82M | 0 | -4.98M | 0 |
Sale/Maturity of Investments | 31M | 21.98M | 36.95M | 80.68M | 68.57M | 43M | 68.46M | 20.05M | 0 |
Net Investment Activity | -12.8M | -14.56M | -17.36M | 2.24M | -32.26M | 16.18M | 68.46M | 15.06M | 0 |
Acquisitions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Other Investing | -51.12M | -38.67M | -39.31M | -203.26M | -160.44M | -346.68M | -197.67M | 2.7M | -3.07M |
Cash from Financing | 55.49M | 37.69M | 61.94M | 236.73M | 160.91M | 320.35M | 194.87M | 19.3M | -754K |
Dividends Paid | -2.65M | -2.78M | -3M | -3.2M | -3.26M | -3.81M | -4.23M | -4.3M | -6.11M |
Share Repurchases | -1.56M | -1.26M | -1.77M | -1.85M | -149K | -154K | -302K | -237K | -348K |
Stock Issued | 166K | 163K | 138K | 227K | 179K | 164K | 132K | 0 | 53.5M |
Net Stock Activity | -1.4M | -1.1M | -1.63M | -1.63M | 30K | 10K | -170K | -237K | 53.15M |
Debt Issuance (Net) | 0 | 0 | 0 | 0 | 0 | 1000K | -1000K | -1000K | -1000K |
Other Financing | 59.54M | 41.56M | 66.57M | 241.55M | 164.14M | 119.82M | 209.27M | 68.83M | 32.2M |
Net Change in Cash | 567K▲ 0% | -17.5M▼ 3185.5% | 15.31M▲ 187.5% | 46.26M▲ 202.2% | -15.85M▼ 134.3% | 2.83M▲ 117.8% | 71.46M▲ 2428.6% | 54.81M▼ 23.3% | 24.04M▼ 56.1% |
Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Cash at Beginning | 35.28M | 35.85M | 18.35M | 33.66M | 79.92M | 64.07M | 66.89M | 138.35M | 193.16M |
Cash at End | 35.85M | 18.35M | 33.66M | 79.92M | 64.07M | 66.89M | 138.35M | 193.16M | 217.19M |
Interest Paid | 1.14M | 2.46M | 0 | 3.35M | 1.68M | 4.56M | 31.33M | 40.14M | 37.23M |
Income Taxes Paid | 2.74M | 2.16M | 0 | 2.62M | 2.82M | 4.37M | 2.07M | 80K | 2.01M |
Free Cash Flow | 9M▲ 0% | -1.96M▼ 121.7% | 10.03M▲ 613.2% | 10.55M▲ 5.1% | 15.94M▲ 51.1% | 12.98M▼ 18.6% | 5.8M▼ 55.3% | 17.74M▲ 205.7% | 26.45M▲ 49.1% |
FCF Growth % | -4.7% | -121.72% | 613.25% | 5.14% | 51.08% | -18.59% | -55.27% | 205.7% | 49.1% |
EFSI Banking Ratios
Eagle Financial Services, Inc. (EFSI) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 8.08% | 9.54% | 10.5% | 10.61% | 11.09% | 10.24% | 13.7% | 8.91% | 13.5% | 5.34% |
| Return on Assets (ROA) | 0.94% | 1.06% | 1.15% | 1.16% | 1.11% | 0.91% | 0.99% | 0.54% | 0.83% | 0.44% |
| Net Interest Margin | 3.52% | 3.54% | 3.67% | 3.55% | 3.15% | 3.14% | 3.04% | 2.72% | 2.71% | 3.3% |
| Efficiency Ratio | 68.85% | 65.21% | 63.25% | 60.39% | 61.29% | 69.72% | 62.57% | 52.96% | 41.9% | 52.16% |
| Equity / Assets | 11.34% | 10.95% | 10.96% | 10.98% | 9.3% | 8.46% | 6.29% | 5.94% | 6.38% | 10% |
| Book Value / Share | 22.57 | 24.11 | 25.3 | 28.01 | 30.75 | 32.06 | 29.21 | 30.76 | 33.48 | 35.17 |
| NII Growth | 6.9% | 10.14% | 8.16% | 6.12% | 14.15% | 15.2% | 19.9% | 1.28% | 1.74% | 23.1% |
| Dividend Payout | 36.95% | 34.06% | 30.84% | 30.7% | 28.63% | 29.59% | 26.22% | 45.2% | 28.02% | 74.4% |
Related:EFSI Dividend History·EFSI Revenue History·EFSI Price History·EFSI P/E History·EFSI Financial Ratios·EFSI Institutional Holders
EFSI SEC Filings & Documents
Eagle Financial Services, Inc. (EFSI) SEC filings — annual & quarterly reports (10-K, 10-Q)
EFSI Frequently Asked Questions
Eagle Financial Services, Inc. (EFSI) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Eagle Financial Services, Inc. (EFSI) saw revenue decline by 1.3% over the past year.
Yes, Eagle Financial Services, Inc. (EFSI) is profitable, generating $8.2M in net income for fiscal year 2025 (7.9% net margin).
Dividend & Returns
Yes, Eagle Financial Services, Inc. (EFSI) pays a dividend with a yield of 2.64%. This makes it attractive for income-focused investors.
Eagle Financial Services, Inc. (EFSI) has a return on equity (ROE) of 5.3%. This is below average, suggesting room for improvement.
Industry Metrics
Eagle Financial Services, Inc. (EFSI) has a net interest margin (NIM) of 3.3%. This indicates healthy earnings from lending activities.
Eagle Financial Services, Inc. (EFSI) has an efficiency ratio of 52.2%. This is excellent, indicating strong cost control.