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EFSI trades 9.2% above Wall Street's consensus target of $42.00.
Last 12 months price action with 12-month analyst target path
The base valuation assumes EFSI achieves its forward estimates and maintains a stable P/E multiple of 16.4x. This scenario reflects the blended consensus of 3 Wall Street analysts, balancing both positive catalysts and macroeconomic headwinds over the next 12 months.
As of September 9, 2026, Eagle Financial Services, Inc. (EFSI) has a Wall Street consensus price target of $42.00, based on estimates from 3 covering analysts. With the stock currently trading at $46.27, this represents a potential downside of -9.2%. The company has a market capitalization of $250M.
Analyst price targets range from a low of $40.00 to a high of $43.00, representing a 7% spread in expectations. The median target of $43.00 aligns closely with the consensus average. The tight target dispersion indicates high conviction among analysts.
The current analyst consensus rating is Buy, with 2 analysts rating the stock as a Buy or Strong Buy,1 rating it Hold, and 0 rating it Sell or Strong Sell. The positive sentiment balance indicates moderate optimism about the stock prospects.
From a valuation perspective, EFSI trades at a trailing P/E of 29.1x and forward P/E of 16.4x. Analysts expect EPS to grow -17.8% over the next year.
Our proprietary valuation model, which blends historical multiples with forward estimates, suggests a base-case price target of $30.55, with bear and bull scenarios of $19.25 and $40.26 respectively. Model confidence stands at 42/100, suggesting limited visibility into future performance.
| Company | Market Cap | Price | Target | Upside Potential | Rating | Fwd P/E | Analysts |
|---|---|---|---|---|---|---|---|
 CZWICitizens Community Bancorp, Inc. | $213M | $22.10 | $24.00 | +8.6% | Buy | 15.5x | 3 |
 FUNCFirst United Corporation | $280M | $43.38 | $49.50 | +14.1% | Buy | 9.8x | 1 |
 MNSBMainStreet Bancshares, Inc. | $182M | $25.61 | — | — | Hold | 11.3x | 1 |
 BSVNBank7 Corp. | $519M | $54.53 | $57.00 | +4.5% | Buy | 12.3x | 3 |
 NBTBNBT Bancorp Inc. | $2.7B | $51.42 | $56.67 | +10.2% | Hold | 12.3x | 10 |
 FXNCFirst National Corporation | $278M | $30.72 | $21.00 | -31.6% | Buy | 12.6x | 1 |
 NKSHNational Bankshares, Inc. | $266M | $41.79 | — | — | Buy | 11.9x | 4 |
 FISFidelity National Information Services, Inc. | $20.4B | $39.42 | $49.00 | +24.3% | Buy | 6.4x | 37 |
 JKHYJack Henry & Associates, Inc. | $11.4B | $159.83 | $187.88 | +17.5% | Buy | 23.4x | 23 |
 FISIFinancial Institutions, Inc. | $810M | $41.16 | $45.00 | +9.3% | Hold | 9.8x | 6 |
Quick answers to the most common questions about buying EFSI stock.
Wall Street's consensus price target for EFSI is $42, -9.2% from its current price of $46.27. The below-market target from 3 analysts suggests limited near-term appreciation.
EFSI has a consensus rating of "Buy" based on 3 Wall Street analysts. The rating breakdown is predominantly bullish, with 2 Buy/Strong Buy ratings. The consensus 12-month price target of $42 implies -9.2% downside from current levels.
With a forward P/E of 16.3689x, EFSI trades at a relatively low valuation. The consensus target of $42 implies -9.2% move, suggesting the market may be pricing in risks.
The most bullish Wall Street analyst has a price target of $43 for EFSI, while the most conservative target is $40. The consensus of $42 represents the median expectation. Our quantitative valuation model projects a bull case target of $40 based on optimistic growth and margin assumptions. These targets typically reflect 12-month expectations.
EFSI is lightly followed, with 3 analysts providing price targets and ratings. Of these, 0 have Strong Buy ratings, 2 have Buy ratings, 1 recommend Hold, and 0 have Sell or Strong Sell ratings. Higher analyst coverage generally indicates greater institutional interest and more reliable consensus estimates.
The 12-month EFSI stock forecast based on 3 Wall Street analysts shows a consensus price target of $42, with estimates ranging from $40 (bear case) to $43 (bull case). The median consensus rating is "Buy". Our proprietary valuation model produces a base case fair value of $31, with bear/bull scenarios of $19/$40.
Our quantitative valuation model calculates EFSI's fair value at $31 (base case), with a bear case of $19 and bull case of $40. The model uses discounted cash flow analysis, historical growth rates, and margin mean-reversion to project FY+2 earnings, then applies an appropriate P/E multiple. The model confidence score is 42/100.
EFSI trades at a forward P/E ratio of 16.4x based on next-twelve-months earnings estimates compared to a trailing P/E of 29.1x. The lower forward P/E indicates analysts expect earnings growth. A forward P/E is useful for comparing valuations when earnings are expected to change significantly.
Analysts are cautious on EFSI, with 0 Sell ratings and a price target of $42 (-9.2% from current price). The "Buy" consensus suggests careful evaluation before buying. This information is for educational purposes only. Always conduct your own research, consider your financial situation, and consult a financial advisor before making investment decisions.
EFSI analyst price targets range from $40 to $43, a 7% tight range reflecting strong analyst consensus. Differences stem from varying assumptions about revenue growth, profit margins, competitive dynamics, and valuation multiples. The $42 consensus represents the middle ground. Our model's $19-$40 range provides an independent fundamental perspective.
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