PEBK (70) INBK (52) NKSH (66) CMTV (69) ⌘ Pro Terminal →

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

$46.06 +1.23% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot)

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 $249.3M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

RQD QUANT TACHOMETERHOLD / WATCH • C

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 D+ · Rk B-

Each axis scored 0–20

12M PRICE TARGET CONE+2.3% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for EFSI)Realized 20D OHLCV Swing Band: ±4.4%

RSI-14 MOMENTUMNEUTRAL RANGE

49.630 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 RANGE87% OF RANGE

L: $31$46.06H: $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: D+RQD 23 / 40

3. Hidden Risks & Market Weather● ALL CLEAR

SEC fine-print scan & interest-rate fit

Clean SEC fine-print check with low hidden accounting risk and favorable interest-rate weather.

Factor Grade: B-RQD 28 / 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)

23/40 institutional & smart-money positioning score with 15/20 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

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

EFSI // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +22.24%▲ ASCENDING CHANNEL

2026-10-30O $47.04H $47.04L $45.35C $46.06VOL 31.6K

RES: $51.57SUP: $43.38SMA50: $44.90SMA200: $40.37

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 (#25)

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

Reverse-DCF Expectations Hurdle (#30)

23.4%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

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 #405 of 1096 ⚔️ PEBK vs EFSI Full Matrix →

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

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Eagle Financial Services Inc (EFSI) ranks #405 by composite RQD confidence (63/100, grade C) and #850 by equity capitalization ($249.3M). 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. PEBK 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%	+1.23%	$249.3M	Benchmark Subject
PEBK Peoples Bancorp of North Carolina Inc.	B-	70/100	12.3x	—	12.6%	+1.48%	$243.6M	/pebk-vs-efsi →
INBK First Internet Bancorp	D+	52/100	—	—	-9.8%	+2.29%	$238.2M	/inbk-vs-efsi →
NKSH National Bankshares Inc.	C+	66/100	16.5x	—	8.6%	+0.10%	$260.9M	/nksh-vs-efsi →
CMTV Community Bancorp.	C+	69/100	13.9x	—	14.9%	+1.71%	$236.3M	/cmtv-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 $0 (N/A vs. FY2024 revenue of $0 ) , 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	$0	$8.2M	$25.8M	$24.3M	$1.89B	—
FY2024 (FY)	2024-12-31	$0	$15.3M	$18.8M	$17.7M	$1.87B	—
FY2023 (FY)	2023-12-31	$0	$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 2026-11-01, 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 $46.06 (+1.23% 1D, market cap $249.3M). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 9/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 15/20, and SEC Balance-Sheet Forensics 14/20. Across 1096 tracked Financials issuers, EFSI ranks #405 in composite RQD confidence.

How does EFSI compare to PEBK and INBK 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 B- grade (70/100 RQD, P/E 12.3x, ROIC 12.6%, cap $243.6M) and INBK (First Internet Bancorp) posts a D+ grade (52/100 RQD, P/E N/A, ROIC -9.8%, cap $238.2M). 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 $0 in revenue, $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 $46.06 (+1.23% on volume of 44,141 shares), positioning the stock +2.58% above its 50-day simple moving average ($44.90) and +14.09% above its 200-day simple moving average ($40.37). Across its 52-week range of $31.44 to $48.17, EFSI sits at the 87.4% percentile with a 14-day RSI of 49.6 (NEUTRAL RANGE) and an implied next-earnings move of ±4.4% ($44.03 to $48.09).

EFSI Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell EFSI stock right now?

Eagle Financial Services Inc (EFSI) currently earns a Roarable Rating of C (Hold — HOLD) with 63/100 RQD Confidence. Solid steady margins (4% return on capital), mixed timing at 30x P/E—hold if owned, no rush to chase.

What is EFSI's 12-month price target and RQD AI Jury consensus?

EFSI's 12-month base price target is $47.1 (range $36.74 to $55.58), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

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