What is the 13F Pro Quality Score for EFSI?

13F Pro ranks EAGLE FINANCIAL SERVICES INC (EFSI) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View EFSI's current score at https://13fpro.ai/research/EFSI (free sign-up required for the full ranking).

Which hedge funds own the most EFSI stock?

Based on the most recent Form 13F-HR filings on SEC EDGAR, the largest reported institutional holders of EFSI include Fourthstone, BlackRock,, WELLINGTON MANAGEMENT GROUP LLP. Holdings are reported quarterly within 45 days of quarter-end and updated on https://13fpro.ai/research/EFSI as soon as new 13F filings post.

Where does 13F Pro source EFSI data?

All EAGLE FINANCIAL SERVICES INC fundamentals and ownership data come directly from SEC EDGAR. EAGLE FINANCIAL SERVICES INC files with the SEC under CIK 880641. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is EFSI in?

EAGLE FINANCIAL SERVICES INC (EFSI) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

How often is EFSI research updated on 13F Pro?

EFSI's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

EAGLE FINANCIAL SERVICES INC(EFSI)Stock Analysis

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13F Pro Quality Score

Not in ranked universe

Pending next ranking run

This company passes all size and coverage filters but hasn't been included in the latest quarterly ranking run. Rankings refresh on Jan 1, Apr 1, Jul 1, Oct 1.

Financial data, filings, and institutional holdings below are still tracked in full — only the proprietary quality composite is unavailable for this name.

EFSI Stock Analysis & AI Quality Score

AI stock analysis and institutional research for EAGLE FINANCIAL SERVICES INC (EFSI), a Financials sector company. EFSI is not currently included in 13F Pro's AI-ranked quality universe — this company passes all size and coverage filters but hasn't been included in the latest quarterly ranking run. rankings refresh on jan 1, apr 1, jul 1, oct 1. Based on the latest XBRL financial filings (Q1 2026), EAGLE FINANCIAL SERVICES INC reports quarterly revenue of $20.8M, net income of $3.7M, an operating margin of 22.4%. Top institutional holders of EFSI by reported 13-F value include Fourthstone, BlackRock,, WELLINGTON MANAGEMENT GROUP LLP, based on the most recent SEC filings. EFSI trades on the Nasdaq exchange and files with the SEC under CIK 880641. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate EFSI daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for EAGLE FINANCIAL SERVICES INC directly from SEC EDGAR.

Revenue

Q1 2026

$20.8M

Net Income

Q1 2026

$3.7M

Free Cash Flow

Q1 2026

$4.1M

Operating Margin

Q1 2026

22.4%

D/E Ratio

Q1 2026

0.16

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Revenue

—FY 2025

FY21 $236.0KFY22 $3.0KFY23 $0.00FY25 —

Net Income

-12.2% YoY

$8.2MFY 2025

FY21 $11.0MFY22 $14.5MFY23 $9.4MFY25 $8.2M

EPS (Diluted)

-40.2% YoY

$1.59FY 2025

FY21 $3.20FY22 $4.17FY23 $2.66FY25 $1.59

Total Assets

+3.5% YoY

$1.89BFY 2025

FY21 $1.30BFY22 $1.62BFY23 $1.83BFY25 $1.89B

Total Debt

$69.6MFY 2025

FY21 —FY22 —FY23 —FY25 $69.6M

Op. Cash Flow

+274.6% YoY

$25.8MFY 2025

FY21 $16.5MFY22 $13.8MFY23 $6.9MFY25 $25.8M

Metric	FY 2025	FY 2023	FY 2022	FY 2021	FY 2019	FY 2018
Revenue	—	$0.00 -100.0%	$3.0K -98.7%	$236.0K	—	—
Net Income	$8.2M -12.2%	$9.4M -35.6%	$14.5M +31.8%	$11.0M +12.9%	$9.8M +8.4%	$9.0M
EPS (Diluted)	$1.59 -40.2%	$2.66 -36.2%	$4.17 +30.3%	$3.20 +12.7%	$2.84 +9.2%	$2.60
Total Assets	$1.89B +3.5%	$1.83B +12.9%	$1.62B +24.1%	$1.30B +48.5%	$877.3M +9.7%	$799.6M
Total Debt	$69.6M	—	—	—	—	—
Operating Cash Flow	$25.8M +274.6%	$6.9M -50.2%	$13.8M -16.1%	$16.5M +45.0%	$11.3M +845.1%	$-1.5M

AI Insight: EFSI Financial Trends

Equity base surged 71% from Q2 2024 to Q1 2026, absorbing a one-quarter net loss spike in Q1 2025 and sustaining recovery through Q4 2025.

• Equity expanded from $111M in Q2 2024 to $190M in Q1 2026, a $79M increase over six quarters.

• Net income recovered from a $7M loss in Q1 2025 to $6M in Q3 2025, then moderated to $4M in Q1 2026.

• Operating cash flow improved from $-2M in Q2 2024 to $9M in Q4 2025, though it slipped back to $4M in Q1 2026.

⚠ Total debt of $30M appears for the first time in Q1 2026 — trend and trajectory remain unclear with only one data point.

⚠ Net income dipped to $4M in Q1 2026 from $6M in Q3 2025 — monitor whether the earnings recovery is stalling.

AI Insight: EFSI Ratio Trends

EFSI's ROIC has contracted sharply from 14.9% in Q3 2025 to 8.5% in Q1 2026, erasing post-Q4 2024 momentum.

• ROIC peaked at 27.3% in Q4 2024, then collapsed to -20.5% in Q1 2025 before recovering to 14.9% by Q3 2025.

• ROE has declined two consecutive quarters from 12.0% in Q3 2025 to 9.2% in Q4 2025 and 7.9% in Q1 2026.

• ROA slipped from 1.2% in Q3 2025 to 0.8% in Q1 2026, tracking the broader profitability deterioration.

⚠ Q1 2025's deeply negative ROE (-15.8%) and ROIC (-20.5%) suggest a material one-off charge; recurrence risk warrants monitoring.

⚠ TTM ROIC of 10.7% sits below recent quarterly run-rates, confirming the Q1 2026 deceleration is not merely seasonal.

⚠ D/E of 0.16 is low, providing balance-sheet cushion, but limited quarters of leverage data make trend assessment difficult.

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Available Research

13F Pro tracks comprehensive data for EAGLE FINANCIAL SERVICES INC including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of EFSI

Fourthstone LLC
$18.6M532,199 sh
BlackRock, Inc.
$9.8M280,532 sh
WELLINGTON MANAGEMENT GROUP LLP
$9.8M280,400 sh
VANGUARD CAPITAL MANAGEMENT LLC
$8.5M243,742 sh
GRAHAM CAPITAL WEALTH MANAGEMENT, LLC
$4.8M137,035 sh
ALLIANCEBERNSTEIN L.P.
$4.1M103,716 sh
MALTESE CAPITAL MANAGEMENT LLC
$3.7M107,145 sh
GEODE CAPITAL MANAGEMENT, LLC
$3.6M103,209 sh
STATE STREET CORP
$3.0M84,607 sh
BANC FUNDS CO LLC
$2.3M65,000 sh

Fund	Value	Shares
Fourthstone LLC	$18.6M	532,199
BlackRock, Inc.	$9.8M	280,532
WELLINGTON MANAGEMENT GROUP LLP	$9.8M	280,400
VANGUARD CAPITAL MANAGEMENT LLC	$8.5M	243,742
GRAHAM CAPITAL WEALTH MANAGEMENT, LLC	$4.8M	137,035
ALLIANCEBERNSTEIN L.P.	$4.1M	103,716
MALTESE CAPITAL MANAGEMENT LLC	$3.7M	107,145
GEODE CAPITAL MANAGEMENT, LLC	$3.6M	103,209
STATE STREET CORP	$3.0M	84,607
BANC FUNDS CO LLC	$2.3M	65,000

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Is EFSI a good stock to buy?

13F Pro's AI-powered analysis of EAGLE FINANCIAL SERVICES INC (EFSI) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for EFSI are available on the EFSI stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.

Which hedge funds own EFSI?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling EFSI. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of EAGLE FINANCIAL SERVICES INC's investment landscape.