EFSI (Eagle Financial Services) Short-Term Debt: $0.00 Mil (As of Jun. 2026)

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Director of Data and Quant Analytics at GuruFocus
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EFSI Eagle Financial Services Inc EFSI
63 GF Score
Price $43.94
GF Value $30.57
Valuation Significantly Overvalued
! 4 Warning Signs
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What is Eagle Financial Services Short-Term Debt?

Eagle Financial Services EFSI +1.21% 63 Short-Term Debt is $0.00 Mil as of Jun. 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.

Eagle Financial Services's Short-Term Debt for the quarter that ended in Jun. 2026 was $0.00 Mil.

Eagle Financial Services's annual Short-Term Debt increased from Dec. 2023 ($20.00 Mil) to Dec. 2024 ($25.00 Mil) but then declined from Dec. 2024 ($25.00 Mil) to Dec. 2025 ($0.00 Mil).

Eagle Financial Services Short-Term Debt Explanation

Short-Term Debt represents the total amount of Long-Term Debt such as bank loans and commercial paper, which is due within one year.

Eagle Financial Services Short-Term Debt Related Terms

Eagle Financial Services Short-Term Debt Historical Data

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The historical data trend for Eagle Financial Services's Short-Term Debt can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Eagle Financial Services Short-Term Debt Chart

Eagle Financial Services Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Short-Term Debt
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 20.00 25.00 0.00

Eagle Financial Services Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Short-Term Debt Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 0.00
EFSI
63GF Score
Eagle Financial Services Inc EFSI
Short-Term Debt is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Short-Term Debt →
What does a Short-Term Debt of $0.00 Mil mean?
Eagle Financial Services (EFSI) has a Short-Term Debt of $0.00 Mil as of Jun. 2026.
Is Eagle Financial Services' Short-Term Debt too high?
Eagle Financial Services' current Short-Term Debt is $0.00 Mil. 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' Short-Term Debt compare to CFBK and QNBC?
Eagle Financial Services' Short-Term Debt of $0.00 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Short-Term Debt for a Banks company?
A good Short-Term Debt depends on the Banks industry context. However, Short-Term Debt 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 Short-Term Debt mean?
A high Short-Term Debt can signal that a stock is expensive relative to its fundamentals. Eagle Financial Services's current Short-Term Debt is $0.00 Mil. 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 $43.94 — trading 43.7% above its estimated fair value. The current Short-Term Debt is $0.00 Mil. 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 Short-Term Debt calculated?
Short-Term Debt is calculated from a company's financial statements. For Eagle Financial Services (EFSI), the current Short-Term Debt is $0.00 Mil as of Jun. 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 $43.94 is trading 43.7% above its estimated GF Value™ of $30.57. GuruFocus considers Eagle Financial Services to be Significantly Overvalued.

Key valuation signals for EFSI:

  • Short-Term Debt: $0.00 Mil
  • GF Value™: $30.57 vs. price of $43.94 (43.7% 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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Short-Term Debt is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$43.94
Price
$30.57
GF Value