EFSI Stock Analysis: Buy, Sell, or Hold?
EFSI - Eagle Financial Services Inc Common Stock
$38.31
0.16 (0.41%)
▲
BUY
HIGH Confidence
Last Updated: January 30, 2026
Earnings: Apr 23, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
✅ BUY SIGNAL: EFSI shows strong fundamentals and good volume confirmation. Solid entry point despite oversold pricing.
✅ BUY SIGNAL: EFSI shows strong fundamentals and good volume confirmation. Solid entry point despite oversold pricing.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$51.71
Based on 4.7% avg growth
INTRINSIC VALUE TODAY
$32.11
Trading above fair value
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 10.3x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: EFSI is currently trading at $38.31, which is considered oversold relative to its 30-day fair value range of $39.02 to $40.18. The stock's valuation (Forward PE: 9.6) is in line with its historical norms (10.3). Remarkably, the market is currently pricing in an annual earnings decline of 2.4% over the next few years. This aligns with recent fundamental challenges.
Technical Outlook: Technically, EFSI is in a uptrend. The price is currently testing key support at $37.93. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $43.00 (+12.2%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, EFSI is in a uptrend. The price is currently testing key support at $37.93. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $43.00 (+12.2%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
OVERSOLD
Fair Price Range
$39.02 -
$40.18
Company Quality Score
54/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
77.1%
All Signals
- BULLISH: Price oversold vs 30-day range
- NEUTRAL: Mixed technical signals (40/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($43.00)
Fair Price Analysis
30-Day Fair Range
$39.02 -
$40.18
Current vs Fair Value
OVERSOLD
Support & Resistance Levels
Support Level
$37.93
Resistance Level
$40.99
Current Trend
Uptrend
Fundamental Context
Forward P/E (Next Year Est.)
9.58
Wall Street Target
$43.00
(+12.2%)
Revenue Growth (YoY)
-1.5%
Earnings Growth (YoY)
-53.7%
Profit Margin
12.5%
Valuation Discount vs History
-2.4% cheaper
PE vs Historical
9.6 vs 10.3
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-2.4%
(market-implied from PE analysis)
1-Year Target
$37.39
(-2%)
2-Year Target
$36.49
(-5%)
3-Year Target
$35.62
(-7%)
3-Yr Target (if PE normalizes)
(PE: 10→10)
$38.30
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.3, Growth: 5.3%)
$104.04
(+172%)
Base:
(SPY PE: 9.6, Growth: 5.3%)
$44.68
(+17%)
Bear:
(PE: 8.1, Growth: 5.3%)
$37.98
(-1%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (24x PE), but valuation improves significantly next year (10x PE) as earnings recover.
Trailing PE: 24.40 | Current EPS (TTM): $1.59
Bull Case
$85.36
(+123%)
Analyst growth 100.0%, PE expands to 26.8
Base Case
$77.60
(+103%)
Market implied 100.0%, PE stable at 24.4
Bear Case
$26.38
(-31%)
Severe decline -20.0%, PE contracts to 20.7
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 9.6 to 10.3
Stabilization Target:
$41.20
(+7.5%)
PE Expansion Potential:
+7.5%
Last updated: February 01, 2026 3:06 AM ET
Data refreshes hourly during market hours. Next update: 4:06 AM
Data refreshes hourly during market hours. Next update: 4:06 AM
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