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Eagle Financial Services Inc (EFSI) — RQD Stock Rating Cockpit

$45.61 -0.98% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $45.44

Eagle Financial Services Inc (EFSI) carries a Roarable Rating of C (Hold) with 63/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C • HOLD / WATCH Cap $246.8M
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on EFSI Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is EFSI stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, Eagle Financial Services Inc (NASDAQ: EFSI) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 63/100 at a spot price of $45.61 (-0.98% 1D, market cap $246.8M). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 11/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 13/20, and Executive Insider Alignment 14/20. Across 1097 tracked Financials issuers, EFSI ranks #318 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does EFSI compare to PEBK and NKSH in the Financials sector?
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Within the Financials sector (Major Banks), EFSI carries a Roarable C (63/100 RQD), trailing P/E of 30.3x, gross margin of —, and ROIC of 4.3%. By comparison, PEBK (Peoples Bancorp of North Carolina Inc.) holds a C+ grade (67/100 RQD, P/E 12.3x, ROIC 12.6%, cap $240.5M) and NKSH (National Bankshares Inc.) posts a C grade (62/100 RQD, P/E 16.5x, ROIC 8.6%, cap $256.0M). Among the 5-stock peer group, PEBK leads on earnings multiple (12.3x) while CMTV leads on capital efficiency (14.9% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for EFSI?
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Per EFSI's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000880641), Eagle Financial Services Inc generated $793.2M in revenue (+1.2% YoY), $8.2M in net income, and $24.3M in free cash flow against $1.89B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $45.44 (-0.37%)🧬 Cannibal Buyback (-1.80% YoY Shares)⚙️ Cash Engine: 12/20 (C-) • 3.1% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 63/100 (C) historically posted market-perform odds over rolling 90-day windows (+0.9% avg 90D alpha vs SPY • 54.8% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERHOLD / WATCH • C
025507510063
JEV AI Jury Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C · Rk C
Cash (12)Whales (11)SEC (13)Macro (13)CEO (14)
Each axis scored 0–20
12M PRICE TARGET CONE+2.3% Base Target
$55 Bull$47 Base$36 Bear
📬 FREE EFSI RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for EFSI)Realized 20D OHLCV Swing Band: ±4.3%
Deterministic 5-Pillar Attribution (63/100 Composite)
🔍 WHY EFSI SCORES 63/100 (C) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Insider Conviction & Share Dilution+14/20 pts (22% of score)

SEC Form 4 / 13F Thermometer: 70% Net Buy • Cannibal Buyback (-1.80% YoY Shares)

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (21% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 4/9

▼ #1 Drag / Risk Factor: Whale & Options Positioning11/20 pts (-9 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-9 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
71
Grade B$45.72-0.1% Next Q
Q2 (-2Q)
68
Grade B-$45.68+1.4% Next Q
Q3 (-1Q)
66
Grade B-$46.32-1.5% Next Q
Current
63
Grade C$45.61+0.9% Hist 90D α
Trajectory: B (71) → C (63)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the EFSI Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 63/100 (C) score, EFSI faces multiple-compression risk if 30.3x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-1.80% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($45.05) or 200D SMA ($40.43) invalidates the momentum regime and cuts Target Base ($46.64) toward Bear Floor ($36.38).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $EFSI• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “EFSI Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 63%NO 37%Trade / Inspect Odds →
RSI-14 MOMENTUMNEUTRAL RANGE
49.430 Oversold · 70 Hot
ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)
3.80>3.0 Fortress Safe
PIOTROSKI F-SCOREWEAK QUALITY (1–4)
4 / 99-Pt Accounting
52-WEEK LASER RANGE85% OF RANGE
L: $31$45.61H: $48
1. Money & Cash Health● MIXED
Are profits real cash in the bank?

Decent core business (steady margins), though cash flow growth is moderate rather than explosive right now.

Factor Grade: C-RQD 12 / 20
2. Big Money & Insiders● NEUTRAL
Are whales & executives buying or selling?

Big funds and company insiders are mostly holding steady without aggressive buying or panic selling.

Factor Grade: CRQD 25 / 40
3. Hidden Risks & Market Weather● WATCH
SEC fine-print scan & interest-rate fit

No major SEC filing blowups, though current interest rates and Fed liquidity call for normal position sizing.

Factor Grade: CRQD 26 / 40
MULTI-MODEL JEV QUANT JURY DELIBERATION

JEV AI Jury Split (Battleground) on EFSI

Cash & Moat Bull AI
ROIC & Free Cash Flow Model
NEUTRAL (60)

4.3% ROIC with 42.0% gross margin and 9.77% FCF yield.

SEC Forensic Auditor AI
10-K Accruals & Altman-Z Guard
NEUTRAL (65)

Altman-Z 4.20 and Piotroski 4/9 pass balance-sheet audit.

Whale & Macro Hawk AI
Options Skew, 13F & Fed NetLiq
NEUTRAL (63)

25/40 institutional & smart-money positioning score with 13/20 macro alignment.

Bull Case: Why Buyers Like EFSI
  • ✓Company leadership has skin in the game with net positive insider conviction.
Bear Case: What Could Go Wrong
  • !Broader market pullbacks can still drag down strong stocks in the short run.
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (EFSI Tape Review)

  • ✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
  • ✓Forensic Red-Light accounting & dilution traps to review on your watchlist
  • ✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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EFSI // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +27.65%🛡️ HOLDING TREND SUPPORT
2026-11-03O $46.06H $46.06L $45.61C $45.61VOL 31.6K
RES: $50.39SUP: $45.50SMA50: $45.05SMA200: $40.43
$49.06$45.39$41.72$38.05$34.38RES $50.39SUP $45.50$45.612026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

EFSI Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 EFSI Butterfly Map → + Track EFSI →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
23.4%/yr Implied 5Y Growth

vs. +1.2% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on EFSI today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for EFSI. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for EFSI today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (EFSI)

Financials Rank #318 of 1097 ⚔️ PEBK vs EFSI Full Matrix →

1. Head-to-Head Financials Peer Comparison (EFSI vs. PEBK, NKSH, CMTV, OVBC)

Industry: Major Banks (248 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Eagle Financial Services Inc (EFSI) ranks #318 by composite RQD confidence (63/100, grade C) and #848 by equity capitalization ($246.8M). Within this direct 5-issuer industry benchmark cohort, PEBK leads on earnings valuation at 12.3x trailing P/E, while CMTV leads on capital efficiency and profitability with 14.9% ROIC and — gross margin. CMTV currently holds the highest overall quantitative score in the immediate peer group at 70/100 (B-) compared with EFSI at 63/100 (C).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
EFSI ACTIVE
Eagle Financial Services Inc
C 63/100 30.3x — 4.3% -0.98% $246.8M Benchmark Subject
PEBK
Peoples Bancorp of North Carolina Inc.
C+ 67/100 12.3x — 12.6% -1.27% $240.5M /pebk-vs-efsi →
NKSH
National Bankshares Inc.
C 62/100 16.5x — 8.6% -1.88% $256.0M /nksh-vs-efsi →
CMTV
Community Bancorp.
B- 70/100 13.9x — 14.9% -0.47% $235.2M /cmtv-vs-efsi →
OVBC
Ohio Valley Banc Corp.
C+ 68/100 17.3x — 9.2% -1.21% $264.8M /ovbc-vs-efsi →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000880641 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Eagle Financial Services Inc (EFSI) reported GAAP revenue of $793.2M (+1.2% vs. FY2024 revenue of $783.8M , and +1685.4% cumulative change since FY2023) , GAAP net income of $8.2M, operating cash flow of $25.8M, and free cash flow of $24.3M (+37.2% YoY). On the balance sheet, EFSI closed FY2025 with $1.89B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 4/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $793.2M $8.2M $25.8M $24.3M $1.89B —
FY2024 (FY) 2024-12-31 $783.8M $15.3M $18.8M $17.7M $1.87B —
FY2023 (FY) 2023-12-31 $44.4M $9.4M $6.9M $6.9M — —

3. EFSI Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is EFSI stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Eagle Financial Services Inc (NASDAQ: EFSI) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 63/100 at a spot price of $45.61 (-0.98% 1D, market cap $246.8M). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 11/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 13/20, and Executive Insider Alignment 14/20. Across 1097 tracked Financials issuers, EFSI ranks #318 in composite RQD confidence.

How does EFSI compare to PEBK and NKSH in the Financials sector?

Within the Financials sector (Major Banks), EFSI carries a Roarable C (63/100 RQD), trailing P/E of 30.3x, gross margin of —, and ROIC of 4.3%. By comparison, PEBK (Peoples Bancorp of North Carolina Inc.) holds a C+ grade (67/100 RQD, P/E 12.3x, ROIC 12.6%, cap $240.5M) and NKSH (National Bankshares Inc.) posts a C grade (62/100 RQD, P/E 16.5x, ROIC 8.6%, cap $256.0M). Among the 5-stock peer group, PEBK leads on earnings multiple (12.3x) while CMTV leads on capital efficiency (14.9% ROIC).

What are the biggest fundamental strengths and SEC risk factors for EFSI?

Per EFSI's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000880641), Eagle Financial Services Inc generated $793.2M in revenue (+1.2% YoY), $8.2M in net income, and $24.3M in free cash flow against $1.89B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

Where is EFSI trading relative to its 50-day, 200-day, and 52-week technical levels?

EFSI last traded at $45.61 (-0.98% on volume of 31,612 shares), positioning the stock +1.24% above its 50-day simple moving average ($45.05) and +12.81% above its 200-day simple moving average ($40.43). Across its 52-week range of $31.44 to $48.17, EFSI sits at the 84.7% percentile with a 14-day RSI of 49.4 (NEUTRAL RANGE) and an implied next-earnings move of ±4.3% ($43.65 to $47.57).

Direct Sub-Reports: EFSI RQD Cockpit EFSI 12M Forecast EFSI Earnings & Move EFSI Dividends & DRIP EFSI Insiders & 13F EFSI Whale Options EFSI Profit Sankey EFSI News & Why
ROARABLE RATING BRIEF • RQD 63/100 (C) ✓ SEC XBRL & RQD VERIFIED

EFSI — Eagle Financial Services Inc: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Eagle Financial Services Inc (EFSI) earns a live Roarable RQD composite score of 63/100, corresponding to a C letter grade (Roarable Hold) at a spot price of $45.61 (-0.98% 1D, market capitalization $246.8M).

  • Fundamental Cash Engine (12/20): Anchored by return on invested capital (ROIC) of 4.3%, gross margin of —, operating margin of —, and free cash flow yield of 9.77%.
  • Whale 13F & Options Flow (11/20) + Insider Conviction (14/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (13/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 4/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Eagle Financial Services Inc (EFSI) is listed on NASDAQ and classified in the Financials sector, Major Banks industry. The profile describes it as a Financials issuer in Major Banks with a market capitalization of $0.2B.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Eagle Financial Services Inc (EFSI) reported $793.2M in annual revenue (up from $783.8M in FY2024, +1.2% YoY) and $8.2M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($44.4M revenue, $9.4M net income) through FY2025, EFSI scaled operating cash flow to $25.8M and free cash flow to $24.3M, backed by $1.89B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (C • RQD 63/100): Company leadership has skin in the game with net positive insider conviction. Free cash flow yield of 9.77% and institutional whale pillar of 11/20. With Fundamental Cash Engine at 12/20 and Institutional Whale Flow at 11/20, sustained execution supports upside toward the upper end of the $31.44 – $48.17 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 30.3x trailing P/E against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

No upstream or downstream links are recorded, and no sector-correlation or bottleneck data is provided.

  • Key Question #1: Can EFSI sustain or expand its — operating margin and 4.3% ROIC against Major Banks peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $793.2M and free cash flow of $24.3M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is EFSI's 28.2x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

EFSI Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Eagle Financial Services Inc (EFSI) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to EFSI Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

EFSI Bull vs. Bear Conversation Board — What's Your Call at $45.61?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON EFSI 🐻 33% BEARISH CONVICTION
1. Pick Your Side on EFSI:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
BR BreakoutHunter RQD DEBATE OPENER • Swing & Catalyst Trader 🐂 BULLISH 🎯 Target: $56.56 (+24.0%)
📌 Pinned Debate

Insider conviction (14/20) and a 9.77% FCF yield suggest the cash generation and insider signals are constructive relative to the stock

Here is why I am bullish on EFSI here at $45.61: Insider conviction (14/20) and a 9.77% FCF yield suggest the cash generation and insider signals are constructive relative to the stock's current price.. Compare EFSI's 0.0% operating margin and 4.3% ROIC against the rest of Major Banks. As long as cash conversion holds up, dips toward $43.33 are getting bought.

VolSurface_Trader 🐂 BULL

@MultipleCompression Shorting a 11/20 institutional whale-flow stock at $45.61 is dangerous when funds are rotating into Financials.

MU MultipleCompression RQD DEBATE OPENER • Valuation Discipline 🐻 BEARISH 🎯 Target: $36.49 (-20.0%)
Spot @ $45.61

A trailing P/E of 30.3 against a 4.3% ROIC leaves the valuation looking rich relative to the modest return on invested capital.

A trailing P/E of 30.3 against a 4.3% ROIC leaves the valuation looking rich relative to the modest return on invested capital.. Look at the math on EFSI: paying 30.3x trailing P/E for 4.3% ROIC and 0.0% operating margins leaves zero margin of safety if Major Banks demand softens. I'd wait for a retest of $40.14 before getting long.

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