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Upturn AI Summary - About
Eagle Financial Services Inc(EFSI)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for EFSI
11/06/2026: EFSI (3-star) is a STRONG-BUY. BUY for 141 days. Simulated Profits (18.63%). Updated daily EoD!
Eagle Financial Services Inc is a community bank holding company that has served the Northern Virginia region for over a century. The stock is a conservative regional banking play known for steady NIM performance and a reliable dividend, making it a potentially strong fit for income-focused investors. Its current investment story centers on a transformative pending merger with John Marshall Bancorp, designed to enhance operational scale and market presence. However, investors face risks related to regional economic concentration, merger integration execution, and intense competition from larger financial institutions. Success depends on the bank's ability to maintain credit quality while integrating new assets efficiently.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | The company focuses on steady, moderate growth through a pending merger rather than high-velocity expansion. |
| Momentum investor | Weak fit | Stock price generally follows conservative regional banking trends rather than high-growth momentum patterns. |
| Value investor | Strong fit | The company is often viewed as a value play due to its regional banking model and consistent dividend history. |
| Dividend investor | Strong fit | Consistent quarterly dividend payouts make it an attractive option for income-focused portfolios. |
| Low-risk investor | Strong fit | As a regulated community bank with a conservative balance sheet, it represents lower volatility compared to broader market indices. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Low | The stock demonstrates lower beta compared to broader market indices. |
| Valuation risk | Medium | Investors must monitor P/E ratios relative to local peer banks to avoid overpaying. |
| Competition risk (regional banking competition) | Medium | Intense competition from larger regionals could pressure margins. |
| Business quality | Medium | Bank of Clarke has a long history, but scaling remains a key hurdle for long-term quality. |
| Dividend income | Low | The dividend is consistently paid, providing a reliable income stream. |
| Execution risk | Medium | Successful integration of the pending John Marshall merger is critical for future value. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 25.54% | Avg. Invested days 64 | Today’s Advisory Strong Buy |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 11/06/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 247.36M USD | Price to earnings Ratio 13.77 | 1Y Target Price 47 |
Price to earnings Ratio 13.77 | 1Y Target Price 47 | ||
Volume (30-day avg) 40.2K shares | Beta 0.2 | 52 Weeks Range 30.73 - 47.84 | Updated Date 11/08/2026 |
52 Weeks Range 30.73 - 47.84 | Updated Date 11/08/2026 | ||
Dividends yield (FY) 2.73% | Basic EPS (TTM) 3.32 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Community Banking | Interest income from commercial, residential, and consumer loans. | The bank earns most of its money by lending money to locals and small businesses. |
| Wealth Management | Advisory and trust fees. | Management fees from helping clients invest their savings provide a steady, non-interest revenue stream. |
| Geography: Virginia/Maryland | Operations in Shenandoah Valley and Northern Virginia. | The bank's success is tied heavily to the health of the Northern Virginia economy. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date 2026-10-22 | When After Market | Estimate 0.83 | Actual 0.93 |
Profitability
Profit Margin 21.3% | Operating Margin (TTM) 28.82% |
Management Effectiveness
Return on Assets (TTM) 0.94% | Return on Equity (TTM) 9.35% |
Valuation
Trailing PE 13.77 | Forward PE - | Enterprise Value 110.81M | Price to Sales(TTM) 2.96 |
Enterprise Value 110.81M | Price to Sales(TTM) 2.96 | ||
Enterprise Value to Revenue 3.17 | Enterprise Value to EBITDA - | Shares Outstanding 5.41M | Shares Floating 4.15M |
Shares Outstanding 5.41M | Shares Floating 4.15M | ||
Percent Insiders 13.16 | Percent Institutions 47.94 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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