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Eagle Financial Services, Inc (EFSI) Fair Value & Analysis

Financial Services · US · Market cap $226M

Price$41.63
Fair Value$19.73
Upside-52.6%
Quality95/100
Evidence: High Range $14.80 – $24.66

Fair value as of: Jun 26, 2026

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Analysis

Eagle Financial Services, Inc (EFSI) currently trades at $41.63, while our model-based Fair Value estimate is $19.73 — implying the stock looks roughly 52.6% overvalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).

About the company

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 United States. It operates through three segments: Community Banking, Marine Lending, and Wealth Management. The company's deposit products include checking, NOW, money market, and regular savings accounts; and demand and time deposits, as well as other commercial deposit account services, such as ACH origination and remote deposit capture services. Its loan portfolio comprises one-to-four-family residential real estate, commercial real estate, construction and land development, and commercial and industrial loans, marine lending, and consumer lending, as well as secured and unsecured consumer loans, including personal installment loans, personal lines of credit, automobile loans, and credit card loans. In addition, the company offers advisory services and investment products, including individual retirement accounts,…

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Frequently asked questions

Is Eagle Financial Services, Inc (EFSI) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $19.73 versus a price of $41.63 — about −53% (overvalued). Model-based estimate, not financial advice.
What is the fair value of EFSI?
Our 21-model fair value for Eagle Financial Services, Inc is $19.73 (as of Jun 26, 2026), built from audited fundamentals. The current price is $41.63.
What is the quality score of EFSI?
Eagle Financial Services, Inc has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.