profit from every $100 of sales.
$0$100
Eagle Financial Services
$46.00+0.24% today
+28.0% in 1 year
1-year low $32.011-year high $46.93
Trading close to its highest price of the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay $30.32 for every $1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What Eagle Financial Services sold, what it kept, and what it did with the cash.
Sales went from $61.3 million in 2022 to $66.5 million in 2025, with $8.21 million of profit last year.
SalesProfit
Eagle Financial Services handed back 27% of the cash it generated last year.
$6M
Free cash flow 2025$24M
Bought back its own shares$348,000
Paid as dividends$6M
Cash vs. debt$118M vs. $70M
Eagle Financial Services vs. similar companies
Eagle Financial Services grows in the middle of these 5 and is the most expensive for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| Eagle Financial Services | 30.3× · Expensive | ||
 China Merchants Bank | 7.7× · Cheap | ||
 DBS Group Holdings | 18.5× · Fair price | ||
 UniCredit | 11.6× · Cheap | ||
 HDFC Bank | 18.6× · Fair price |
AI analysis
An AI analyst reads Eagle Financial Services's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 61 | 63 | 65 | 66 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 15 | 9 | 15 | 8 | |
| 4.17 | 2.66 | 4.32 | 1.59 | |
| – | – | – | – | |
| – | – | – | – | |
| 23.7% | 14.8% | 23.7% | 12.4% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 1,617 | 1,826 | 1,866 | 1,889 |
| Cash | 67 | 112 | 176 | 118 |
| Total debt | 204 | 194 | 150 | 70 |
| Total liabilities | 1,515 | 1,717 | 1,747 | 1,700 |
| 102 | 108 | 119 | 189 | |
| 3 | 4 | 4 | 5 | |
| – | – | – | – | |
| 14.3% | 8.6% | 12.9% | 4.3% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 14 | 7 | 19 | 26 | |
| 1 | 1 | 1 | 1 | |
| 13 | 6 | 18 | 24 | |
| Dividends paid | 4 | 4 | 4 | 6 |
| 0 | 0 | 0 | 0 | |
| 1 | 1 | 1 | 1 |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 30.3×
- 12.6×
- –
- 1.1×
- 3.7×
- 3.3%
- 3.3%
Profitability
- 12.4%
- 0.8%
- 5.3%
- 10.2%
- 1.0%
Growth
- +2.8%
- −27.5%
- +3.6%
- +11.7%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Bottom 22%of 748
Bottom 37%of 603
Bottom 18%of 873
Bottom 29%of 883
Top 24%of 933
What analysts expect
- Average price target
- $43.00
- Range
- $43.00 – $43.00
- 2 analysts
These targets were collected on May 20, 2026 and our analyst feed has not updated since, so we no longer compare them with today's price.
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Apr 23, 2026 | 0.69 | 0.86 | −19.8% |
| Jan 26, 2026 | 0.81 | 0.87 | −6.4% |
| Oct 23, 2025 | 1.04 | 0.80 | +30.0% |
| Jul 24, 2025 | 0.98 | 0.82 | +19.5% |
| Apr 25, 2025 | 0.62 | 0.92 | −32.6% |
| Mar 31, 2025 | 1.74 | – | – |
| Oct 25, 2024 | 0.97 | – | – |
| Jul 26, 2024 | 0.89 | – | – |
3.3%of the share price, paid each year
On $1,000 invested$33a year at today's yield, before tax
+3.6%2020 to 2025
Raised10 yearsin a row, in our data
Paid per share, each year
$0.80 in 2015 → $1.24 in 2025
How safe it looks
74.4% of its profit
Room to growStretchedMore than it earns: 25.1%
News
Why American Eagle Stock Dropped TodayYahoo Finance · Sep 11, 2026American Eagle projects full-year operating income of $540M-$550M as Q3 comps are expected in the mid- to high single digitsSeeking Alpha · Sep 10, 2026American Eagle Outfitters Q2 2027 Earnings PreviewSeeking Alpha · Sep 8, 2026Top Midday Stories: Meta to Pay Up to $16.68 Billion to Settle Teen Harm Case With States; Victory Capital to Buy First Eagle for $7 BillionYahoo Finance · Aug 26, 2026Steppe Eagle OEIC adds to multiple holdings and trims SMA Solar in H1 2026Seeking Alpha · Aug 24, 2026The newest story we have is from Sep 11, 2026.
Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
0/7Passes 0 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
45No pass
Benjamin Graham
57No pass
Philip Fisher
36No pass
Peter Lynch
28No pass
Joel Greenblatt
7No pass
Charlie Munger
35No pass
Terry Smith
33No pass
Questions about Eagle Financial Services
Is Eagle Financial Services a good stock to buy?
A solid business, but the price is high. 0 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Eagle Financial Services AI analysis
What does Eagle Financial Services do?
Eagle Financial Services, Inc. operates as the bank holding company for Bank of Clarke County that provides various retail and commercial banking products and services in the Shenandoah Valley and Northern Virginia. It is in Banks - Regional.
Does Eagle Financial Services pay a dividend?
Yes. At today's price the dividend is 3.3% a year, about 74% of its yearly profit. In 2025 it paid out $6.11 million in dividends.
Is Eagle Financial Services stock halal?
No. Eagle Financial Services does not pass our halal screen: its main business, banking, is not permitted. How we check
How has Eagle Financial Services stock done over the past year?
Up 28.0% over the past twelve months, to $46.00. It traded between $32.01 and $46.93, close to its high.
Who are Eagle Financial Services's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with Eagle Financial Services's.
Prices: daily closes to Nov 11, 2026. Fundamentals: company reports via invest-like data.