Eagle Financial Services (EFSI)
Runs Bank of Clarke's regional banking, wealth, and marine-loan runoff businesses.
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Operates through Bank of Clarke, gathering local deposits for commercial, consumer, and real-estate lending, securities, and fees. Community banking is the core, wealth management adds trust and investment services, and legacy marine lending is running off as borrowers repay.
Operates through Bank of Clarke, a Virginia-chartered community bank with branches across northern and northwestern Virginia and Frederick, Maryland. Core community banking gathers deposits and turns them into commercial, consumer, and real-estate loans, securities income, and account-related fees.
Wealth management adds trust and investment services, while marine lending is a legacy portfolio that stopped taking new business and declines as borrowers repay. The franchise is built around local banking relationships rather than national scale.
Execution depends on deposit funding, interest-rate spreads, local credit quality, and the credit performance of commercial, consumer, real-estate, and marine loans. The recent Nasdaq uplist and balance-sheet repositioning make the public-company profile newer than the bank franchise.
Company facts
Categories
Target rangeAs of Sep 2, 2026
Latest analyst notes
| Date | Firm | Action | Prior rating | Rating | Target |
|---|---|---|---|---|---|
| May 15, 2026 | Freedom Broker | Upgrade | Hold | Buy | |
| Feb 9, 2026 | Capital One Financial | Target | $43 | ||
| Feb 9, 2026 | Loop Capital Markets | Target | $43 | ||
| Feb 9, 2026 | Freedom Broker | Downgrade | Buy | Hold |
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $132.6M · Total debt $29.6M · Total assets $1.85B · Shareholders' equity $193.9M
- Revenue
- $33.0M
- Operating income
- $6.5M
- Net income
- $5.0M
Raised for 21 straight years — most recently to $0.31 from $0.30 in Nov 2024. To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Aug 3, 2026 | Aug 3 | Aug 14 | $0.31 | |
| May 4, 2026 | May 4 | May 15 | $0.31 | |
| Feb 2, 2026 | Feb 2 | Feb 13 | $0.31 | |
| Nov 3, 2025 | Nov 3 | Nov 14 | $0.31 | |
| Aug 4, 2025 | Aug 4 | Aug 15 | $0.31 | |
| May 5, 2025 | May 5 | May 16 | $0.31 | |
| Feb 3, 2025 | Feb 3 | Feb 14 | $0.31 | |
| Nov 8, 2024 | Nov 8 | Nov 15 | $0.31 | raised from $0.30 |
| Institutions75 holders · as of Mar 31, 2026 | 44.91% | 2.43M shares | |
| Insiders25 holders · as of May 20, 2026 | 9.01% | 487.9K shares | |
| Otherremainder | 46.08% | 2.49M shares |
5.41M company shares as of Sep 3, 2026 · institutions as of Mar 31, 2026 · holders as of their latest filing
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Evidence |
|---|---|---|---|
Fourthstone LLCInstitution | 9.83% | 532,199 | 13Fas of Mar 31, 2026 |
BlackRock, Inc.Institution | 5.18% | 280,532 | 13Fas of Mar 31, 2026 |
Wellington Management Group LLPInstitution | 5.18% | 280,400 | 13Fas of Mar 31, 2026 |
Vanguard Capital Management LLCInstitution | 4.50% | 243,742 | 13Fas of Mar 31, 2026 |
John R. MillesonInsiderdirector | 2.67% | 144,586 | Form 4filed Jan 6, 2026 ↗ |
| See all 25 → | |||
13F — a manager's quarterly holdings · Form 4 — an insider's transaction report
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Apr 29, 2026 | Marianne Schmidt | officer: EXECUTIVE OFFICER | −388 | $37.95 |
| Mar 11, 2026 | Scott M. Hamberger | director | +909 | $33.00 |
| Mar 5, 2026 | Edward Iii Hill | director | +939 | $34.62 |
| Mar 2, 2026 | Brandon Craig Lorey | director, officer: EXECUTIVE OFFICER | +350 | $34.53 |
| Feb 27, 2026 | Scott M. Hamberger | director | +945 | $36.00 |
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ComparePre-market
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Eagle Financial Services | $40.40 | −2.70% | $224.3M | 12.0 | 12.5 | 1.9 | +26.9% |
| Atlantic Union Bankshares | $40.80 | +0.49% | $5.76B | 12.1 | 10.5 | 2.6 | −3.5% |
| Burke & Herbert Financial Services | $72.50 | +0.28% | $1.46B | 11.5 | 8.5 | 3.3 | +24.6% |
| Eagle Bancorp | $27.71 | +3.36% | $844.7M | — | 14.8 | 1.4 | −1.5% |
| FVCBankcorp | $18.41 | +1.71% | $331.0M | 13.0 | 11.6 | 3.5 | +29.8% |
| Primis Financial | $16.02 | +2.46% | $398.1M | 7.4 | 9.1 | 1.3 | +44.2% |
| Capital Bancorp | $36.81 | +0.93% | $593.4M | 10.7 | 9.8 | 2.0 | +9.2% |
| United Bankshares | $47.23 | −0.15% | $6.52B | 12.9 | 12.6 | 3.6 | +6.0% |
| First United | $43.60 | −0.73% | $282.6M | 11.3 | 9.6 | 2.3 | +9.7% |
| Median | 11.5 | 10.1 | 2.5 | +9.5% |