Eagle Financial Services, Inc.
EFSIFinancial ServicesNASDAQBanks - Regional
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Daily timeframeEagle 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. The $226.7M market capitalization puts EFSI squarely in micro-cap range for its industry. It operates through three segments: Community Banking, Marine Lending, and Wealth Management.
Market Cap
$226.7M
Beta
0.21
P/E (TTM)
11.84
P/E (Fwd)
12.47
EPS (TTM)
$3.54
EPS (Fwd)
$3.36
ROE
10.0%
ROA
1.0%
Cash
$144.7M
Total Debt
$40.1M
Free CF
—
52W Change
12.9%
Annual Financials
Cash vs Debt
Where EFSI stands vs its 150-day and 200-day moving averages
As of the September 3, 2026 close, EFSI finished 7.39% above its 150-day moving average ($38.59) and 7.92% above its 200-day moving average ($38.40). This snapshot is end-of-day data shown with a five-trading-day delay on the free plan; Premium members see readings from the latest close.
Is EFSI overbought or oversold?
At the September 3, 2026 close, EFSI's RSI(14) was 29.6, in oversold territory (below 30). The MACD histogram was negative, so short-term momentum leaned bearish at that close. These readings are historical, refresh daily after market close, and are not investment advice.
Eagle Financial Services, Inc. holds $144.7M in cash against $40.1M in total debt, giving it a net cash position. This means the company could theoretically pay off all its debt and still have cash remaining. Return on equity stands at 10.0%, which is decent for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. ROA of 1.0% is on the lower side, which is common in asset-heavy industries. Revenue has been relatively flat, moving from $61.3M (2022) to $66.5M (2025).
With a beta below 0.7, Eagle Financial Services, Inc. typically sees smaller price swings than the overall market, offering a degree of stability during turbulent periods. The strong cash position relative to debt provides a financial cushion that reduces balance sheet risk. No single metric tells the full story. Reviewing EFSI's risk profile alongside its fundamentals and technical indicators provides a more complete picture.