Start here if you're new
what it is
EFSI owns Bank of Clarke, which takes deposits, makes loans, and sells basic banking services across 14 branches.
how it gets paid
Last year L Svcs made $91M in revenue.
why it's growing
Revenue grew 280.6% last year. That is the small-bank paradox in one line.
what just happened
Revenue hit $74M, but EPS still fell 27% vs. prior year to $0.76.
At a glance
B+ balance sheet — decent shape, but not bulletproof
75/100 earnings predictability — reasonably predictable
17.8x trailing p/e — the market's not buying it — or you found a deal
3.8% dividend yield — cash in your pocket every quarter
$4.32 fy2024 eps est
xvary composite: 71/100 — average
What they do
EFSI owns Bank of Clarke, which takes deposits, makes loans, and sells basic banking services across 14 branches.
Banking is still a habit business. You do not switch your checking account for fun, and Bank of Clarke has 14 full-service branches, 2 loan offices, and 1 wealth office keeping customers close. That local footprint feeds deposits and loans in one market, which matters more than a slick app when your bank already handles your paycheck, mortgage, and bill pay.
How they make money
$91M
annual revenue · their business grew +280.6% last year
total revenue
$91M
+280.6%
The products that matter
deposits and commercial lending
Community Banking
$21.76M last quarter
it generated $21.76M in revenue last quarter, and the broader net interest income bucket is $71M of the roughly $91M annual mix shown here.
core earnings engine
investment and trust services
Wealth Management
part of the $20M fee bucket
it sits inside the $20M non-interest income line, which is 22% of the revenue mix. that matters because fee income is less tied to loan spreads than pure banking income.
diversifier
residential loan origination
Mortgage Banking
inside the 22% fee mix
this also lives inside the $20M non-interest bucket, and volume can swing with rates. on a bank now earning a 12.5% net margin, those swings matter more.
rate-sensitive
Key numbers
17.8x
trailing p/e
P/E → how many dollars you pay for $1 of earnings → so what: you are paying a market-like multiple for a tiny bank with lumpy profits.
3.8%
dividend yield
Dividend yield → cash you get back each year as a percent of the stock price → so what: you are being paid to wait, but not enough to ignore credit risk.
$150M
long-term debt
Long-term debt → money the company owes over many years → so what: debt equals 46% of capital, which is heavy next to a roughly $175 million market value.
0.5
beta
Beta → stock volatility versus the market → so what: EFSI has been about half as jumpy as the market, even while earnings have been less steady.
Financial health
B+
strength
- balance sheet grade B+ — solid but not elite
- risk rank 2 — safer than 80% of stocks
- price stability 100 / 100
- long-term debt $150M (46% of capital)
B+ — risk rank looks solid but long-term debt needs watching.
Total return vs. market
Return history isn't available for EFSI right now.
source: institutional data · return history unavailable
What just happened
missed estimates
Revenue hit $74M, but EPS still fell 27% vs. prior year to $0.76.
That is the small-bank paradox in one line. Revenue jumped 186% vs. prior year, yet profit per share moved the other way, which tells you the quality of that revenue matters more than the headline.
$23M
revenue
$0.76
eps
14.0%
operating margin
the number that mattered
EPS fell 27% vs. prior year, and that matters more than the revenue spike because banks live or die by spread quality and credit costs.
source: company earnings report, 2026
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What could go wrong
the #1 risk is margin compression in a spread-driven community bank.
high
net margin keeps sliding
Net profit margin fell to 12.5% from 21.9%, while earnings dropped 29.9% from a year ago. A bank can survive that. A premium multiple may not.
highest risk to valuation
med
earnings quality stays messy
The bank sold $99.2M of securities at a loss and raised $53.5M in equity in 2025. Those are real balance-sheet actions, but they make the recent earnings line harder to treat as clean recurring power.
medium risk to confidence
med
rate pressure on the core business
Net interest margin sits at 3.2%, and 78% of the revenue mix here comes from net interest income. If deposit costs stay elevated or loan yields soften, the core engine slows fast.
medium risk to revenue and margin
low
dividend cushion gets thinner
The dividend costs about $2.7M a year against $8.2M in profit. That's still covered, but there is less room for another earnings step down than there was when profit was $15.3M.
lower risk now, bigger if profit weakens again
A bank earning $8.2M while paying about $2.7M in dividends and carrying $150M of long-term debt does not have much room for more margin slippage.
source: institutional data · regulatory filings · risk analysis
Pay attention to
metric
net margin recovery
The entire valuation debate starts here. Net margin is 12.5% now versus 21.9% a year ago. If that gap does not start closing, the premium multiple looks exposed.
calendar
next earnings report
Estimated report date is may 15, 2026. You want to see whether the revenue beat can finally translate into a cleaner EPS line.
risk
dividend coverage
The yield is 3.8%, and the dividend costs about $2.7M a year against $8.2M in profit. That math still works. It just works with less room for error.
trend
fee income direction
Non-interest income is $20M and fell 5%. If that line keeps slipping while net interest income does all the work, the business gets even more rate-sensitive.
Analyst rankings
earnings predictability
75 / 100
in human-speak, the business is usually steady enough to model — but the recent margin drop is exactly why this isn't a set-it-and-forget-it bank right now.
risk rank
2
A risk rank of 2 means the stock scores safer than about 80% of names in the dataset. Safer does not mean cheap.
price stability
100 / 100
The share price has been unusually stable. That's comforting, but stability in the chart can hide instability in the income statement.
source: institutional data
Institutional activity
institutional ownership data for EFSI is being compiled.
source: institutional data
Price targets
3-5 year target range
n/a
n/a
$40
current price
n/a
target midpoint · n/a from current
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