Eagle Financial Services, Inc.
Eagle Financial Services, Inc. (NASDAQ: EFSI) is trading at $45.30, about ₹4,349 at today's USD/INR rate, as of 30 Sep 2026, 4:00 PM ET, down 0.66% today. Indian residents can buy Eagle Financial Services from India on Paasa under the RBI's Liberalised Remittance Scheme.
Quote
Today's low
$45.12
Today's high
$45.83
52 week low
$31.44
52 week high
$48.17
EFSI opened at $45.79, closed previously at $45.60, and has traded between $31.44 and $48.17 over the past 52 weeks.
About
Eagle Financial Services, Inc. functions as the parent company for Bank of Clarke County, delivering a comprehensive array of retail and commercial banking solutions across the Shenandoah Valley and Northern Virginia regions. Their core offerings include various deposit accounts, such as checking, NOW, money market, and standard savings accounts, alongside both demand and time deposits. The institution maintains a diverse loan portfolio, encompassing financing for single-to-four-family residential properties, commercial real estate ventures, construction and land development projects, and commercial and industrial enterprises. Additionally, they provide a range of consumer lending options, both secured and unsecured, including personal installment loans, lines of credit, auto loans, and credit card services. Beyond traditional banking, Eagle Financial Services offers personal and retirement planning assistance. Their investment services are extensive, featuring tax-deferred annuities, IRAs and rollovers, mutual funds, retirement and college savings plans, various insurance products (life, long-term care), fixed-income investments, brokerage CDs, and both full-service and discount brokerage options. They also facilitate non-deposit investment products and provide title insurance. To ensure convenient access, the company supports ATM and debit card services, alongside modern telephone, internet, and mobile banking platforms. For commercial clients, specialized services like ACH origination and remote deposit capture are available. The company's physical presence includes twelve full-service branches, two loan production offices, a dedicated wealth management office, and a drive-through only facility. Complementing these are 13 ATM locations, strategically placed throughout the Virginia communities of Berryville, Winchester, Boyce, Stephens City, Purcellville, Warrenton, Leesburg, Ashburn, and Fairfax. Established in 1881, Eagle Financial Services, Inc. is headquartered in Berryville, Virginia.
Key statistics
Avg. volume
57.74K
Market cap
$245.18M
P/E Ratio
13.09
Price-to-sales ratio
2.08
Enterprise value
$269.32M
Free cash flow yield
12.38%
Debt-to-equity ratio
0.15
Return on equity
4.35%
ROIC
2.92%
Beta
0.21
Dividend yield
2.74%
Last dividend
$1.24
Financial overview
Revenue
$104.54M
Earnings per share
$1.59
Free cash flow
$26.45M
Net profit margin
15.85%
Gross margin
67.91%
EBITDA
$10.71M
Revenue growth
-1.31%
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This is not an investment recommendation
How to buy Eagle Financial Services from India
Indian residents can buy Eagle Financial Services shares through Paasa in four steps. Funds leave India under the RBI's Liberalised Remittance Scheme and the shares are held in your own name with Interactive Brokers.
Open a Paasa account
Complete digital KYC with your PAN, Aadhaar and address proof. Your brokerage account is opened in your own name with Interactive Brokers.
Add funds under LRS
Transfer INR from your Indian bank account. Your bank reports the remittance under the RBI's Liberalised Remittance Scheme and converts it to US dollars.
Search for Eagle Financial Services and place an order
Find Eagle Financial Services by name or by its ticker, EFSI, and choose an order type. You can buy by amount or by quantity — fractional shares mean there is no minimum trade size. Eagle Financial Services trades 7:00 pm – 1:30 am IST; orders can only execute during that window.
Track holdings and download tax reports
Follow your Eagle Financial Services position in USD and INR, and use Paasa's capital-gains and dividend statements when you file your Indian return.
Read the full guide: how to invest in Eagle Financial Services from India
Trading and taxes when buying Eagle Financial Services from India
Trading and limits
- Trading hours
- 9:30 am – 4:00 pm ET
- LRS limit
- $250,000Per financial year, under the RBI's Liberalised Remittance Scheme.
Tax for Indian residents
- TCS on remittance
- 20%Collected by your bank on LRS remittances above ₹10 lakh in a financial year. The TCS is adjustable against your income-tax liability.Adjusting TCS against your tax
- Capital gains in India
- 12.5% or slab rateGains on shares held for more than 24 months are long-term and taxed at 12.5%. Gains on shares held for 24 months or less are short-term and taxed at your income-tax slab rate.Capital gains explained
- Dividends
- Slab rateDividends are taxed at your slab rate in India. The US withholds tax on dividends paid to Indian residents at the treaty rate; Paasa files Form W-8BEN for you, and the tax withheld can generally be claimed as a credit in India. Eagle Financial Services’ current yield is 2.74%.Dividend tax explained
- US estate tax
- May applyUS-situs assets such as US-listed shares can be exposed to US estate tax for non-US persons.US estate tax calculator
Custody. Shares are held in your own name at Interactive Brokers LLC and are SIPC-insured up to $500,000 in total, including $250,000 for cash.
FAQs
Can Indian residents buy Eagle Financial Services stock?
Yes. Eagle Financial Services (EFSI) has been listed on NASDAQ since 2001, in the Banks - Regional industry, and Indian residents can buy it through Paasa. You fund the account from your Indian bank under the RBI's Liberalised Remittance Scheme and the money is converted to US dollars. Shares are held in your own name at Interactive Brokers LLC and are SIPC-insured up to $500,000 in total, including $250,000 for cash.
How much does one Eagle Financial Services share cost in rupees?
One Eagle Financial Services share is $45.30 — about ₹4,349 at a USD/INR rate of 96.00 on 30 Sep 2026. Both the Eagle Financial Services price and the rupee rate move during the day, so the rupee cost changes with them.
What are the LRS and TCS rules for buying Eagle Financial Services from India?
Remit up to $250,000 per financial year under the RBI's Liberalised Remittance Scheme (LRS). Banks collect 20% tax at source on LRS remittances above ₹10 lakh in a financial year; the TCS is adjustable against your income-tax liability. FX and the LRS declaration are handled by your bank when you fund your account.
Can I buy whole shares of Eagle Financial Services?
Yes. One Eagle Financial Services share is $45.30, and you can buy as many whole shares as you like. You can also buy by amount rather than by quantity: there is no minimum trade size, and Paasa supports fractional investing in Eagle Financial Services.
How are gains on Eagle Financial Services shares taxed in India?
The US does not levy capital gains tax on shares for Indian residents, so the tax is an India-side one. Gains on shares held for more than 24 months are long-term and taxed at 12.5%. Gains on shares held for 24 months or less are short-term and taxed at your income-tax slab rate. The gain is computed in rupees using the USD/INR rate on the purchase and the sale date, so the rupee move counts alongside the Eagle Financial Services price. Paasa issues a capital-gains statement for your return.
Does Eagle Financial Services pay a dividend, and how is it taxed in India?
Yes. Eagle Financial Services pays a dividend and the current yield is 2.74%; the last declared dividend was $1.24 per share, about ₹119.04. Dividends are taxed at your slab rate in India. The US withholds tax on dividends paid to Indian residents at the treaty rate; Paasa files Form W-8BEN for you, and the tax withheld can generally be claimed as a credit in India. Paasa's dividend report lists the gross dividend and any tax withheld for each payment.
When can I trade Eagle Financial Services from India?
NASDAQ trades 7:00 pm – 1:30 am IST in Indian time, so the close lands after midnight. The window shifts to 8:00 pm – 2:30 am IST when the US is on standard time. Orders can only execute during that window.
Is there estate or inheritance tax on Eagle Financial Services shares held from India?
US-situs assets such as US-listed shares can be exposed to US estate tax for non-US persons. It applies to your overall holdings in that jurisdiction rather than to any one position. Paasa's US estate tax calculator shows the exposure for a given portfolio value.
Do I have to declare Eagle Financial Services shares in my Indian tax return?
Yes. Foreign shares held on 31 March must be reported in Schedule FA of your Indian income-tax return. Paasa gives you a Schedule FA-ready statement listing your Eagle Financial Services holding, its cost and its closing value.
How do I sell Eagle Financial Services and bring the money back to India?
You sell during market hours (7:00 pm – 1:30 am IST) and the proceeds settle in USD in your Paasa account. From there you can hold the balance, reinvest, or repatriate. Funds can be withdrawn in any currency to any bank account in your own name. Whether the sale is short- or long-term is decided by the 24-month holding period.