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Eagle Financial Services Inc (EFSI) 12-Month Stock Forecast & Price Target Cone

$46.06 +1.23% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $46.07

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.

📊 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) →

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

EXT / AFTER-HRS: $46.07 (+0.03%)🧬 Cannibal Buyback (-1.80% YoY Shares)⚙️ Cash Engine: 12/20 (C-) • 0.6% 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

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%

Deterministic 5-Pillar Attribution (63/100 Composite)

🔍 WHY EFSI SCORES 63/100 (C) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Macro Regime Fit+15/20 pts (24% of score)

FRED Regime × Technicals: 87% of 52W Range • RSI-14 at 49.6 (NEUTRAL RANGE)

▲ #2 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)

▼ #1 Drag / Risk Factor: Whale & Options Positioning9/20 pts (-11 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-11 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C$45.53+0.8% Next Q

Q2 (-2Q)

Grade C$45.89+2.3% Next Q

Q3 (-1Q)

Grade C$46.93-1.9% Next Q

Current

Grade C$46.06+0.9% Hist 90D α

Trajectory: C (55) → 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 ($44.90) or 200D SMA ($40.37) invalidates the momentum regime and cuts Target Base ($47.10) toward Bear Floor ($36.74).

🎲 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 →

INTERACTIVE 12-MONTH POSITION SIMULATOR

Drag to Test Your EFSI Position Size: $10,000

Shares at $46.06: 217.1 sh

$1,000$10,000$25,000$50,000$100,000

12M Bear Case FloorTarget $36.74

$7,977

$-2,023 (-20.2%)

12M Consensus BaseTarget $47.10

$10,226

+$226 (+2.3%)

12M Bull Case BreakoutTarget $55.58

$12,067

+$2,067 (+20.7%)

Wall Street Analyst Breakdown & Historical Accuracy Audit (28 Desks)

Street Historical Accuracy: 64/100

● Strong Buy / Buy: 17● Hold: 9● Sell: 2

Wall Street Firm	Stance	12M Target	1Y Accuracy	Track Grade
Morgan StanleyInstitutional Equity Desk	HOLD	$49	74%	A
Goldman SachsSector Coverage Lead	BUY	$52	69%	B
JP MorganUS Large-Cap Research	HOLD	$42	58%	C

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

What is EFSI's 12-month stock price target?

Eagle Financial Services Inc (EFSI) carries a 12-month consensus base price target of $47.1 (+2.3% from $46.06), with a bull-case target of $55.58 and a bear-case floor of $36.74.

Is EFSI stock a Buy, Hold, or Sell right now?

Roarable's 5-Pillar RQD Quant Engine rates EFSI C (Hold — HOLD) with an RQD Confidence score of 63/100.

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