EFSI (Eagle Financial Services) Moat Score: 3/10 (As of Aug. 14, 2026)

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EFSI Eagle Financial Services Inc EFSI
63 GF Score
Price $43.80
GF Value $30.57
Valuation Significantly Overvalued
! 4 Warning Signs
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What is Eagle Financial Services Moat Score?

Eagle Financial Services EFSI +0.90% 63 Moat Score is 3 as of Aug. 14, 2026. GuruFocus rates EFSI with a GF Score™ of 63/100 and a GF Value™ of $30.57 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 1,608 Banks companies, Eagle Financial Services ranks better than 74.63% on this metric.

Eagle Financial Services has the Moat Score of 3, which implies that the company might have No Moat - Very weak/transient advantages.

Eagle Financial Services has No Moat: Eagle Financial Services Inc lacks significant market leadership or unique competitive advantages. It operates in a highly competitive financial services sector with low switching costs and minimal regulatory barriers. The company does not possess strong brand strength or significant intellectual property, resulting in a very weak competitive position.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Eagle Financial Services might have No Moat - Very weak/transient advantages.

Eagle Financial Services  (NAS:EFSI) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Eagle Financial Services Moat Score Related Terms

EFSI vs CFBK, QNBC, PBNC: Moat Score Comparison

For the Banks - Regional subindustry, Eagle Financial Services's Moat Score, along with its competitors' market caps and Moat Score data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Eagle Financial Services Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Eagle Financial Services's Moat Score distribution charts can be found below:

* The bar in red indicates where Eagle Financial Services's Moat Score falls into.


EFSI
63GF Score
Eagle Financial Services Inc EFSI
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 3 mean?
Eagle Financial Services (EFSI) has a Moat Score of 3 as of Aug. 14, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Eagle Financial Services ranks #408 out of 1608 companies in the Banks industry, placing it in the top 25.4%.
Is Eagle Financial Services' Moat Score too high?
Eagle Financial Services' current Moat Score is 3. Based on the distribution chart, Eagle Financial Services ranks #408 out of 1608 companies in the Banks industry, which is above the industry midpoint. Overall, Eagle Financial Services has a GF Score™ of 63/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Eagle Financial Services' Moat Score compare to CFBK and QNBC?
According to the Banks industry distribution chart, Eagle Financial Services ranks #408 out of 1608 companies for Moat Score. This puts Eagle Financial Services in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Eagle Financial Services's current Moat Score is 3. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Eagle Financial Services stock overvalued right now?
Based on GuruFocus' analysis, Eagle Financial Services (EFSI) is currently considered Significantly Overvalued. The stock's GF Value™ is $30.57, compared to a current price of $43.80 — trading 43.3% above its estimated fair value. The current Moat Score is 3. Eagle Financial Services' overall GF Score™ is 63/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Eagle Financial Services (EFSI), the current Moat Score is 3 as of Aug. 14, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Eagle Financial Services (EFSI) Overvalued in 2026?

Based on GuruFocus' analysis, Eagle Financial Services stock appears to be overvalued. The current stock price of $43.80 is trading 43.3% above its estimated GF Value™ of $30.57. GuruFocus considers Eagle Financial Services to be Significantly Overvalued.

Key valuation signals for EFSI:

  • Moat Score: 3
  • GF Value™: $30.57 vs. price of $43.80 (43.3% above fair value)
  • GF Score™: 63/100 with 4 warning signs

No single metric tells the full story. See the EFSI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Eagle Financial Services Business Description

Address 2 East Main Street, P.O. Box 391, Berryville, VA, USA, 22611
Eagle Financial Services Inc is a locally owned and managed financial institution. It offers retail and commercial banking services, including demand, savings and time deposits and consumer, mortgage, and commercial loans. It also offers telephone banking, internet banking, and mobile banking to its customers. The Company has three reportable operating segments, Community Banking, Marine Lending and Wealth Management. It generates a majority of its revenue from the Community Banking segment.
63GF Score

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$43.80
Price
$30.57
GF Value