EFSI
Eagle Financial Services, Inc.
NasdaqCMUSDEQUITY
Financial Services
DELAYED
Last price
42.31
▼ 0.18 (0.42%)
MARKET · —
Price
Drag pan · Pinch zoom · Hold crosshair · pick a tool then drag to draw
Open
42.55
Prev close
42.49
Day high
42.89
Day low
41.76
Volume
54.43K
Market cap
$228.97M
P/E (TTM)
11.95
52W range
31.44 – 45.44
Trailing performance
Returnvs SPY
1W
-3.09%
-1.7%
1M
+2.07%
-1.7%
3M
+7.17%
+4.1%
6M
+9.55%
-1.5%
YTD
+6.31%
-6.0%
1Y
+20.85%
+0.9%
3Y
+33.47%
-40.7%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Free account
5 more panels on EFSI open with an account.
Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.
Insider net activity
Net shares
+3.35K
Net buying
Buy transactions
5
3.74K shares
Sell transactions
1
388 shares
Net transactions
+6
Buys less sells
Sell : buy shares
0.1 : 1
Mixed
Insider-held shares
689.76K
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Apr 29, 26 | SCHMIDT MARIANNE Officer |
SELL | 388 | $14.72K | Direct |
| Mar 11, 26 | HAMBERGER SCOTT M Director |
BUY | 909 | $30.00K | Direct |
| Mar 11, 26 | HAMBERGER SCOTT M Director |
STOCK | 600 | $0 | Direct |
| Mar 5, 26 | HILL EDWARD III Director |
BUY | 939 | $32.51K | Direct |
| Mar 2, 26 | LOREY BRANDON CRAIG Officer and Director |
BUY | 350 | $12.09K | Direct |
| Feb 27, 26 | HAMBERGER SCOTT M Director |
BUY | 945 | $34.02K | Indirect |
| Jan 30, 26 | HAMBERGER SCOTT M Director |
BUY | 597 | $22.68K | Indirect |
| Jan 2, 26 | CROSEN KALEY ANN Officer |
STOCK | 2.14K | $0 | Direct |
| Jan 2, 26 | LOREY BRANDON CRAIG Officer and Director |
STOCK | 7.29K | $0 | Direct |
| Jan 2, 26 | HAMBERGER SCOTT M Director |
STOCK | 761 | $0 | Direct |
| Jan 2, 26 | ZMITROVICH JOSEPH T Officer |
STOCK | 3.72K | $0 | Direct |
| Jan 2, 26 | CLAYTOR CARY R Director |
STOCK | 1.14K | $0 | Direct |
| Jan 2, 26 | POFFINBERGER AARON M Officer |
STOCK | 2.32K | $0 | Direct |
| Jan 2, 26 | BRAITHWAITE TODD A Officer |
STOCK | 1.31K | $0 | Direct |
What this is, and what it is not
These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.
A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.
This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.
Officer and director trades in their own stock, straight from Form 4 filings.
Insider holders
| Name | Relation | Shares held | Latest |
|---|---|---|---|
CHAPPELL KATHLEEN J |
Officer | 19.48K | Stock Award(Grant) |
CROSEN KALEY ANN |
Officer | 23.84K | Stock Award(Grant) |
GILPIN THOMAS T |
Director | 116.00K | Purchase |
GLAIZE MARY BRUCE |
Director | 17.80K | Stock Award(Grant) |
LOREY BRANDON CRAIG |
Officer and Director | 44.20K | Purchase |
MILLESON JOHN R |
Director | 144.68K | Stock Award(Grant) |
RINKER DOUGLAS CLAY |
Director | 22.20K | Stock Award(Grant) |
SMALLEY ROBERT W JR |
Director | 26.46K | Stock Award(Grant) |
STOKELY JOHN D JR |
Director | 14.24K | Stock Award(Grant) |
ZMITROVICH JOSEPH T |
Officer | 25.98K | Stock Award(Grant) |
Fundamentals
Market cap$228.97M
Enterprise value$120.66M
Revenue (TTM)$82.96M
Gross profit$82.96M
EBITDA—
Net income$18.64M
EPS (TTM)$3.54
Free cash flow—
Total cash$144.69M
Total debt$40.06M
Book value / share$36.42
Shares outstanding5.41M
Float4.15M
Short % of float1.86%
Dividend yield2.94%
Beta (5Y)0.21
Valuation & profitability ratios
Trailing P/E11.95
Forward P/E12.59
PEG ratio—
Price / sales—
Price / book1.16
EV / revenue1.45
EV / EBITDA—
Gross margin0.00%
Operating margin30.35%
Profit margin22.47%
Return on equity9.98%
Return on assets0.96%
Debt / equity—
Current ratio—
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Total revenue | $66.45M | $64.77M | $63.08M | $61.26M | +2.6% |
| Operating revenue | $66.45M | $64.77M | $63.08M | $61.26M | +2.6% |
| Selling, general & admin | $36.38M | $33.60M | $34.41M | $28.27M | +8.3% |
| Pre-tax income | $9.93M | $18.90M | $10.63M | $17.67M | -47.5% |
| Tax provision | $1.71M | $3.56M | $1.28M | $3.15M | -51.9% |
| Net income | $8.21M | $15.34M | $9.36M | $14.52M | -46.5% |
| Net income to common | $8.21M | $15.34M | $9.36M | $14.52M | -46.5% |
| Basic EPS | 1.59 | 4.32 | 2.66 | 4.17 | -63.2% |
| Diluted EPS | 1.59 | 4.32 | 2.66 | 4.17 | -63.2% |
| Basic shares | 5.18M | 3.55M | 3.52M | 3.48M | +45.8% |
| Diluted shares | 5.18M | 3.55M | 3.52M | 3.48M | +45.8% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Cash & equivalents | $117.93M | $175.72M | $112.07M | $66.53M | -32.9% |
| Property, plant & equipment | $14.91M | $14.34M | $18.11M | $18.06M | +4.0% |
| Total assets | $1.89B | $1.87B | $1.83B | $1.62B | +1.2% |
| Current debt | $0 | $25.00M | $20.00M | $0 | -100.0% |
| Long-term debt | $69.58M | $124.51M | $174.44M | $204.38M | -44.1% |
| Total debt | $69.58M | $149.51M | $194.44M | $204.38M | -53.5% |
| Total liabilities | $1.70B | $1.75B | $1.72B | $1.51B | -2.7% |
| Retained earnings | $116.11M | $114.01M | $103.44M | $100.28M | +1.8% |
| Shareholder equity | $188.84M | $118.99M | $108.38M | $101.73M | +58.7% |
| Net tangible assets | $188.84M | $118.99M | $108.38M | $101.73M | +58.7% |
| Shares issued | 5.37M | 3.55M | 3.52M | 3.49M | +51.4% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Net income | $8.21M | $15.34M | $9.36M | $14.52M | -46.5% |
| Depreciation & amortisation | $780.00K | $979.00K | $1.00M | $979.00K | -20.3% |
| Stock-based compensation | $1.22M | $912.00K | $1.21M | $1.02M | +33.3% |
| Change in working capital | $2.30M | $4.13M | -$3.25M | -$5.45M | -44.3% |
| Operating cash flow | $25.75M | $18.76M | $6.88M | $13.81M | +37.3% |
| Capital expenditure | -$1.41M | -$1.02M | -$1.07M | -$838.00K | -38.0% |
| Investing cash flow | -$965.00K | $16.75M | -$130.28M | -$331.34M | -105.8% |
| Share buybacks | -$348.00K | -$237.00K | -$302.00K | -$154.00K | -46.8% |
| Dividends paid | -$6.11M | -$4.30M | -$4.23M | -$3.81M | -42.1% |
| Financing cash flow | -$754.00K | $19.30M | $194.87M | $320.35M | -103.9% |
| Free cash flow | $24.35M | $17.74M | $5.80M | $12.98M | +37.2% |
| End cash position | $217.19M | $193.16M | $138.35M | $66.89M | +12.4% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | YoY |
|---|---|---|---|---|---|---|---|
| Total revenue | — | $20.20M | $20.04M | $21.98M | $20.15M | $4.28M | — |
| Operating revenue | — | $20.20M | $20.04M | $21.98M | $20.15M | $4.28M | — |
| Selling, general & admin | — | $8.65M | $11.24M | $9.21M | $8.25M | $7.68M | — |
| Pre-tax income | — | $4.66M | $5.51M | $6.91M | $6.55M | -$9.04M | — |
| Tax provision | — | $918.00K | $1.18M | $1.32M | $1.28M | -$2.07M | — |
| Net income | — | $3.74M | $4.33M | $5.58M | $5.27M | -$6.97M | — |
| Net income to common | — | $3.74M | $4.33M | $5.58M | $5.27M | -$6.97M | — |
| Basic EPS | 0.92 | 0.69 | 0.81 | 1.04 | 0.98 | — | +33.3% |
| Diluted EPS | 0.92 | 0.69 | 0.81 | 1.04 | 0.98 | — | +33.3% |
| Basic shares | 5.41M | 5.41M | 5.38M | 5.38M | 5.38M | — | -0.0% |
| Diluted shares | 5.41M | 5.41M | 5.38M | 5.38M | 5.38M | — | -0.0% |
| Line item | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | YoY |
|---|---|---|---|---|---|---|---|
| Cash & equivalents | $109.47M | $117.93M | $204.68M | $277.97M | $203.54M | — | -7.2% |
| Property, plant & equipment | $14.91M | $14.91M | $14.88M | $14.69M | $14.63M | — | +0.0% |
| Total assets | $1.84B | $1.89B | $1.93B | $2.04B | $1.90B | — | -2.7% |
| Current debt | — | $0 | $0 | $0 | $25.00M | $25.00M | — |
| Long-term debt | $29.60M | $69.58M | $69.56M | $69.55M | $69.53M | — | -57.5% |
| Total debt | $29.60M | $69.58M | $69.56M | $69.55M | $94.53M | — | -57.5% |
| Total liabilities | $1.65B | $1.70B | $1.75B | $1.86B | $1.73B | — | -3.0% |
| Retained earnings | $118.18M | $116.11M | $113.45M | $109.53M | $105.93M | — | +1.8% |
| Shareholder equity | $190.33M | $188.84M | $185.58M | $179.65M | $176.47M | — | +0.8% |
| Net tangible assets | $190.33M | $188.84M | $185.58M | $179.65M | $176.47M | — | +0.8% |
| Shares issued | 5.41M | 5.37M | 5.38M | 5.38M | 5.38M | — | +0.7% |
| Line item | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | YoY |
|---|---|---|---|---|---|---|
| Net income | $3.74M | $4.33M | $5.58M | $5.27M | -$6.97M | -13.7% |
| Depreciation & amortisation | $204.00K | $198.00K | $193.00K | $191.00K | $198.00K | +3.0% |
| Stock-based compensation | $413.00K | $299.00K | $304.00K | $290.00K | $323.00K | +38.1% |
| Change in working capital | -$1.37M | $5.38M | $1.54M | -$3.60M | -$1.03M | -125.5% |
| Operating cash flow | $4.30M | $9.18M | $8.21M | $2.57M | $5.80M | -53.2% |
| Capital expenditure | -$209.00K | -$227.00K | -$380.00K | -$262.00K | -$537.00K | +7.9% |
| Share buybacks | -$284.00K | -$33.00K | $0 | -$50.00K | -$265.00K | -760.6% |
| Dividends paid | -$1.68M | -$1.67M | -$1.67M | -$1.67M | -$1.11M | -0.6% |
| Financing cash flow | -$51.10M | -$49.49M | -$113.21M | $126.19M | $35.76M | -3.3% |
| Free cash flow | $4.09M | $8.95M | $7.83M | $2.30M | $5.26M | -54.3% |
| End cash position | $189.77M | $217.19M | $268.13M | $396.00M | $264.95M | -12.6% |
Options analytics
Put / call volume
—
—
Put / call open interest
—
Positioning, not flow
Max pain
—
—
ATM implied vol
—
Nearest strike to spot
Skew (10% OTM)
—
—
Call volume
0
Contracts, this expiry
Put volume
0
Contracts, this expiry
Heaviest call OI
—
—
Heaviest put OI
—
—
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Earnings
Reported vs expected · EPS
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Jun 2026 | 0.77 | 0.41 | -46.4% |
| Mar 2026 | 0.88 | 0.69 | -21.1% |
| Dec 2025 | 0.80 | 0.81 | +1.3% |
| Sep 2025 | 1.11 | 1.04 | -6.3% |
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | 0.88 | 2 | $22.09M | -1.3% |
| Next quarter | 0.85 | 2 | $22.25M | +2.2% |
| Current year | 3.03 | 2 | $87.30M | +6.4% |
| Next year | 3.36 | 2 | $90.45M | +3.6% |
Analyst targets & ownership
Mean target$42.33
High target$44.00
Low target$40.00
Implied upside0.06%
Analyst count3
ConsensusNONE
Strong buy / Buy1 / 1
Hold1
Sell / Strong sell0 / 0
Held by insiders12.95%
Held by institutions45.68%
Institutions holding119
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
42.98
-1.56% from price
SMA 20
41.94
+0.88% from price
SMA 50
41.72
+1.40% from price
SMA 100
40.05
+5.65% from price
SMA 200
38.69
+9.36% from price
EMA 12
42.53
-0.52% from price
EMA 26
42.08
+0.55% from price
EMA 50
41.45
+2.07% from price
RSI (14)
52.0
Neutral
MACD (12,26,9)
0.45
Hist 0.01
ATR (14)
1.42
3.35% of price
Realised vol 30D
25.7%
Annualised
Bollinger upper
44.34
20, 2σ
Bollinger lower
39.54
20, 2σ
50 / 200 cross
Golden
41.72 vs 38.69
Trend bias
Above 200
+9.36%
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Risk profile
Beta vs SPY
0.42
Less volatile than market
Correlation to SPY
0.22
Largely independent
Realised vol 30D
25.7%
Annualised
Market vol 1Y
12.9%
SPY, annualised
Max drawdown 1Y
-21.9%
Peak to trough
Max drawdown 5Y
-26.6%
Peak to trough
ATR 14
1.42
3.35% of price
Beta (reported)
0.21
5Y monthly, from filing
Short interest
Shares short
93.51K
Prior 96.23K
Change vs prior
-2.8%
Shorts covering
% of float
1.86%
Normal
% of shares out
1.73%
Against total outstanding
Days to cover
1.2
Liquid
Float
4.15M
Freely tradeable shares
Exchanges publish short interest twice a month with a settlement lag, so this is roughly two weeks behind. Days to cover divides shares short by average daily volume — it estimates how long covering would take, not whether it will happen.
Rating changes
| Date | Firm | Action | From | To |
|---|---|---|---|---|
| Jul 27, 26 | DA Davidson | MAINTAINED | Neutral | Neutral |
| May 15, 26 | Freedom Broker | UPGRADE | Hold | Buy |
| May 11, 26 | DA Davidson | MAINTAINED | Neutral | Neutral |
| Apr 27, 26 | DA Davidson | MAINTAINED | Neutral | Neutral |
| Feb 25, 26 | DA Davidson | INITIATED | — | Neutral |
| Feb 9, 26 | Freedom Broker | DOWNGRADE | Buy | Hold |
| Jan 29, 26 | Keefe, Bruyette & Woods | MAINTAINED | Outperform | Outperform |
| Nov 7, 25 | Freedom Broker | MAINTAINED | Buy | Buy |
| Aug 4, 25 | Keefe, Bruyette & Woods | MAINTAINED | Outperform | Outperform |
| Jul 30, 25 | DA Davidson | MAINTAINED | Buy | Buy |
| Mar 13, 25 | Keefe, Bruyette & Woods | INITIATED | — | Outperform |
| Mar 4, 25 | DA Davidson | INITIATED | — | Buy |
Dividends & splits
Forward rate$1.24 / yr
Forward yield2.94%
5-year avg yield3.47%
Payout ratio35.03%
Ex-dividend dateAug 3, 2026
Next pay dateAug 14, 2026
Last split2:1
Split dateMar 16, 2006
SEC filings
Periodic Financial Reports
10-Q · 2026-08-10
Corporate Changes & Voting Matters
8-K · 2026-07-23
Offering Registrations
S-8 · 2026-06-30
Corporate Changes & Voting Matters
8-K · 2026-05-20
Periodic Financial Reports
10-Q · 2026-05-11
Corporate Changes & Voting Matters
8-K · 2026-04-23
Proxy Statements
DEFA14A · 2026-04-08
Periodic Financial Reports
10-K · 2026-03-16
Headlines
Eagle Financial Services Inc's Dividend Analysis
GuruFocus.com · 20d ago
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MarketBeat · 30d ago
EAGLE FINANCIAL SERVICES, INC. ANNOUNCES 2026 SECOND QUARTER FINANCIAL RESULTS AND QUARTERLY DIVIDEND
PR Newswire · 30d ago
PRIVATE STRATEGY · BY QUALIFICATION
The same data. A different seat.
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