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EFSI

Eagle Financial Services, Inc.

Financial Services · $246M market cap

Verdict

Share price

$45.51

close of Oct 3, 2026

Fair value

$41.42

Sticker Price

Payback Price

$16.57

buy price

Fairly Valued

EFSI is Fairly Valued: at $45.51 it's within 10% of its fair value of $41.42. Its buy price (Payback Price) is $16.57, 64% below today's price. Business quality is limited: none of the 5 key numbers clears the 10% bar.

How we valued it

Justified P/B (Financials). A bank or insurer. These are best valued on their book value and how much they earn on it.

Business quality

0 of 5 clear the 10% bar. What are the Big Five?

Earnings per share growth6.6% a year✗
Equity per share growth5.3% a year✗
Sales growth4.9% a year✗
Free cash flow growth5.6% a year✗
Return on invested capital3.7%✗

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About Eagle Financial Services, Inc.

Eagle Financial Services, Inc. functions as the parent company for Bank of Clarke County, delivering a comprehensive array of retail and commercial banking solutions across the Shenandoah Valley and Northern Virginia regions. Their core offerings include various deposit accounts, such as checking, NOW, money market, and standard savings accounts, alongside both demand and time deposits. The institution maintains a…

Banks - Regional

Fair value and Payback Price are estimates from the company's reported financials, not investment advice. Prices as of the close of Oct 3, 2026. How the Payback Price works