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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 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 fiduciary services; 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. In addition, it provides ATM and debit cards; online bill payment services; 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 full-service branches, loan production offices, drive-through only facility, and ATM locations in the Virginia communities of Berryville, Winchester, Boyce, Stephens City, Purcellville, Warrenton, Leesburg, Ashburn, and Fairfax, as well as Maryland community of Frederick. Eagle Financial Services, Inc. was founded in 1881 and is headquartered in Berryville, Virginia.
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.
Eagle Financial Services, Inc. is a bank holding company offering commercial and consumer banking through its subsidiary, primarily providing lending, deposit and related financial services. Long-term growth may be supported by regional loan and deposit expansion, net interest margin trends and fee-income diversification, and investors may find the localized franchise and earnings potential appealing.
Principal risks include sensitivity to interest rates and credit cycles, competitive and regulatory pressures faced by regional banks, and geographic or borrower-concentration exposures that investors should monitor.
Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.
| Breakdown | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
| Income before tax | 17.67M | 12.79M | 13.31M | 11.57M | 10.31M |
| Net income | 14.52M | 11.02M | 11.17M | 9.76M | 9.00M |
| Selling general administrative | 27.11M | 25.81M | 29.44M | 17.90M | 16.53M |
| Gross profit | - | - | 42.75M | 38.12M | 35.31M |
| Reconciled depreciation | 0.98M | 1.00M | 1.44M | 0.96M | 1.13M |
| Ebit | - | - | 13.31M | 11.57M | 10.31M |
| Operating income | - | - | 13.31M | 12.56M | 11.59M |
| Other operating expenses | 7.49M | 5.50M | 4.16M | 4.60M | 3.99M |
| Interest expense | 5.47M | 1.68M | 3.28M | 4.24M | 2.52M |
| Tax provision | 3.15M | 1.77M | 2.14M | 1.81M | 1.31M |
| Interest income | 54.58M | 42.63M | 38.83M | 35.38M | 31.86M |
| Net interest income | 49.10M | 40.95M | 35.55M | 31.14M | 29.35M |
| Income tax expense | 3.15M | 1.77M | 2.14M | 1.81M | 1.31M |
| Total revenue | 61.36M | 50.98M | 42.75M | 37.25M | 34.51M |
| Total operating expenses | - | - | 29.44M | 25.55M | 23.73M |
| Cost of revenue | - | - | - | - | 0.00M |
| Total other income expense net | - | - | - | -0.99M | -1.27M |
| Net income from continuing ops | 14.52M | 11.02M | 11.17M | 9.76M | 9.00M |
| Net income applicable to common shares | 14.52M | 11.02M | 11.17M | 9.76M | 9.00M |
| Breakdown | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
| Total assets | 1616.72M | 1303.04M | 1130.15M | 877.32M | 799.62M |
| Other current assets | 0.15M | 0.88M | 0.25M | 1.95M | 1.85M |
| Total liab | 1514.99M | 1192.76M | 1025.08M | 780.99M | 712.02M |
| Total stockholder equity | 101.73M | 110.28M | 105.07M | 96.33M | 87.60M |
| Other current liab | - | - | 884.44M | 633.35M | 587.96M |
| Common stock | 8.63M | 8.56M | 8.46M | 8.53M | 8.57M |
| Capital stock | 8.62M | 8.56M | 8.46M | 8.53M | 8.57M |
| Retained earnings | 100.28M | 89.76M | 82.52M | 74.91M | 68.59M |
| Other liab | 7.56M | 10.18M | 7.87M | 5.77M | 7.04M |
| Other assets | 1365.43M | 1019.16M | 858.35M | 651.85M | 613.79M |
| Cash | 66.53M | 63.84M | 79.92M | 33.41M | 18.35M |
| Total current liabilities | 1473.55M | 1177.29M | 884.44M | 771.54M | 704.98M |
| Net debt | 137.85M | - | - | - | - |
| Other stockholder equity | -20.45M | -0.15M | 3.28M | 1.48M | -1.55M |
| Property plant equipment | 22.83M | 23.39M | 19.33M | 22.91M | 19.08M |
| Total current assets | 68.17M | 65.00M | 244.88M | 33.84M | 18.46M |
| Long term investments | 158.39M | 193.37M | 829.24M | 165.00M | 144.30M |
| Net tangible assets | 101.73M | 110.28M | 105.07M | 96.33M | 87.60M |
| Short term investments | 158.39M | 193.37M | 164.96M | 165.00M | 144.30M |
| Long term debt | 204.38M | - | - | - | - |
| Inventory | 0.11M | - | 0.61M | 0.18M | 0.11M |
| Accounts payable | 1263.86M | 1177.00M | 1013.03M | 771.41M | 702.92M |
| Common stock total equity | - | - | 8.46M | 8.53M | 8.57M |
| Retained earnings total equity | - | - | 82.52M | 74.91M | 68.59M |
| Non currrent assets other | - | - | 36.71M | 19.39M | 16.41M |
| Non current assets total | - | - | 885.28M | 678.66M | 636.97M |
| Capital lease obligations | - | - | 4.11M | - | - |
| Breakdown | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
| Investments | 15.42M | -35.16M | -189.17M | -57.57M | -55.10M |
| Change to liabilities | 0.00M | 0.00M | -1.46M | -1.34M | -11.48M |
| Total cashflows from investing activities | -331.34M | -193.22M | -201.47M | -57.98M | -53.66M |
| Net borrowings | 237.31M | 237.31M | 237.31M | -1.87M | 1.87M |
| Total cash from financing activities | 320.35M | 160.91M | 236.73M | 61.94M | 37.69M |
| Change to operating activities | -5.45M | 3.88M | -2.86M | -2.23M | -13.88M |
| Net income | 14.52M | 11.02M | 11.17M | 9.76M | 9.00M |
| Change in cash | 2.83M | -15.85M | 46.26M | 15.31M | -17.50M |
| Begin period cash flow | 64.07M | 79.92M | 33.66M | 18.35M | 35.85M |
| End period cash flow | 66.89M | 64.07M | 79.92M | 33.66M | 18.35M |
| Total cash from operating activities | 13.81M | 16.46M | 11.01M | 11.35M | -1.52M |
| Issuance of capital stock | 0.16M | 0.18M | 0.23M | 0.14M | 0.16M |
| Depreciation | 1.91M | 1.67M | 1.83M | 1.44M | 1.41M |
| Other cashflows from investing activities | -8.88M | -9.78M | -11.85M | 0.90M | 1.87M |
| Dividends paid | 3.81M | 3.26M | 3.20M | 3.00M | 2.78M |
| Sale purchase of stock | -0.15M | -0.15M | -1.85M | -1.77M | -1.26M |
| Other cashflows from financing activities | 86.84M | 164.14M | 239.93M | 66.81M | 38.59M |
| Change to netincome | 2.78M | -0.11M | 1.45M | 2.01M | 1.75M |
| Capital expenditures | 0.84M | 0.52M | 0.46M | 1.31M | 0.43M |
| Cash flows other operating | - | - | -1.98M | -0.53M | -2.20M |
| Cash and cash equivalents changes | - | - | 46.26M | 15.31M | -17.50M |
| Change in working capital | -5.45M | 1.65M | -2.86M | -2.23M | -13.88M |
| Stock based compensation | 1.02M | 0.85M | 0.60M | 0.56M | - |
| Other non cash items | 1.57M | 0.11M | -0.45M | 0.80M | - |
| Free cash flow | 12.98M | 13.70M | 10.55M | 10.03M | -1.96M |
Sector: Financial Services Industry: Banks - Regional
|
Stock Name
|
Change
(USD) |
Price
(USD) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
|---|---|---|---|---|---|---|
| EFSI Eagle Financial Services Inc |
0.33 0.72% |
45.94 | 10.33 | - | 1.68 | 1.04 |
| DBSDY DBS Group Holdings Ltd ADR |
-3.29 1.44% |
224.55 | 20.00 | 17.57 | 7.54 | 3.17 |
| CIHHF China Merchants Bank Co Ltd Class H |
- -% |
6.66 | 7.70 | 7.10 | 0.55 | 0.83 |
| CIHKY China Merchants Bank Co Ltd |
-0.86 2.47% |
33.89 | 7.79 | 7.20 | 0.55 | 0.85 |
| UNCFF UniCredit SpA |
-0.02 0.02% |
82.05 | 11.53 | 10.27 | 5.72 | 1.83 |
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 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 fiduciary services; 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. In addition, it provides ATM and debit cards; online bill payment services; 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 full-service branches, loan production offices, drive-through only facility, and ATM locations in the Virginia communities of Berryville, Winchester, Boyce, Stephens City, Purcellville, Warrenton, Leesburg, Ashburn, and Fairfax, as well as Maryland community of Frederick. Eagle Financial Services, Inc. was founded in 1881 and is headquartered in Berryville, Virginia.
2 East Main Street, Berryville, VA, United States, 22611
540 955 2510
245
| Name | Title | Year Born |
|---|---|---|
| Mr. Brandon Craig Lorey | Pres, CEO & Director | 1969 |
| Ms. Kathleen J. Chappell | Exec. VP & CFO | 1967 |
| Mr. Todd A. Braithwaite | Sr. VP & CTO | NA |
| Ms. Debra L. Purrington J.D. | Exec. VP, Chief Fiduciary & Bank Counsel | NA |
| Ms. Kaley P. Crosen | Exec. VP & Sec. | 1966 |
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Basic Materials
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Communication Services
+0.21%
Consumer Cyclical
+1.14%
Consumer Defensive
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Energy
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Financial Services
+0.70%
Financials
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Healthcare
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Technology
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