What is Eagle Financial Services, Inc.'s Shariah compliance score?

Eagle Financial Services, Inc.'s (EFSI) compliance score is being calculated. Check HalalScreener.app for the latest AAOIFI screening results.

Does Eagle Financial Services, Inc. pass AAOIFI screening?

Eagle Financial Services, Inc. (EFSI) does not pass AAOIFI Shariah screening. AAOIFI requires: (1) no primary involvement in prohibited activities like alcohol, gambling, or conventional banking, (2) debt-to-market-cap below 30% (EFSI: 30.5%), (3) interest-bearing deposits below 30%, and (4) prohibited income below 5%. HalalScreener provides free AAOIFI screening for 6,200+ stocks at halalscreener.app.

How much purification is needed for Eagle Financial Services, Inc. stock?

Muslim investors purify the portion of dividends and realized gains that comes from non-permissible income by donating it to charity. HalalScreener's purification calculator at halalscreener.app/en/purification computes the exact percentage and amount for Eagle Financial Services, Inc. (EFSI) using the latest financial data.

Where can I screen Eagle Financial Services, Inc. for Shariah compliance for free?

HalalScreener (halalscreener.app) offers free Shariah compliance screening for Eagle Financial Services, Inc. (EFSI) and 5,100+ other US-listed stocks, ETFs, and 100+ cryptocurrencies. The screening uses AAOIFI Standard No. 21 and shows the verdict, compliance grade, score, and debt ratio free. No credit card or signup required for basic screening; the full ratio breakdown is part of Pro. HalalScreener also includes an AI Islamic Scholar for follow-up questions about EFSI's compliance across different madhabs (Hanafi, Shafi'i, Maliki, Hanbali, Ja'fari).

EFSI: Is Eagle Financial Services, Inc. Halal?

Eagle Financial Services, Inc.

NASDAQFinancial ServicesUS

$42.15

+0.45%

Market Cap: 228.1M

Compliance Status

Not Halal

Screened on Aug 26, 2026 · AAOIFI Standard 21

Non-Compliant

0Score

Is Eagle Financial Services, Inc. (EFSI) halal? Not Halal. Based on AAOIFI screening, Eagle Financial Services, Inc. has involvement in prohibited business activities with a compliance score of 0/100 (Grade: F).

AvoidBorderlineClean

Business activity

Involved in prohibited business activities.

Failed

Company debt

Over the limit

How much the company borrows, compared to its total value. AAOIFI allows up to 30%.

30.5% of 30.0% limit

What this means for you

Most scholars advise not holding EFSI

It does not pass AAOIFI Shariah screening.

See halal alternatives from the same sector further down this page

About Eagle Financial Services, Inc.

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.

Sector: Financial Services · Industry: Banks - Regional

Shariah Compliance Status

AAOIFI Standard 21Updated Aug 26, 2026

Business Activity Screen

Failed

Checks if the business is involved in prohibited activities (alcohol, gambling, pork, conventional banking, etc.)

Prohibited industry: Banks - Regional

Compliance History

Not Halal, unchanged since Aug 2026.

No status changes recorded since we began tracking.

Tracked since Aug 2026. Updates automatically on each re-screen.

Fiscal: FY 2025Data source: FMP

Halal Alternatives in Financial Services

This stock is not Shariah-compliant. Here are halal alternatives from the same sector, ranked by compliance score:

GLDA+

SPDR Gold Shares

$398.55

+0.17%

SLVA+

iShares Silver Trust

$57.44

+0.47%

PSLVA+

Sprott Physical Silver Trust

$21.30

+6.23%

PHYSA+

Sprott Physical Gold Trust

$31.75

+0.19%

CEFA+

Sprott Physical Gold and Silver Trust

$43.28

+4.44%

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JPMorgan Chase & Co.

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PYPL

PayPal Holdings, Inc.

BAC

Bank of America Corporation

WFC

Wells Fargo & Company

Free · No credit card required

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Frequently Asked Questions

Is Eagle Financial Services, Inc. (EFSI) halal to invest in?

Eagle Financial Services, Inc. (EFSI) is rated Not Halal under AAOIFI Standard 21 screening. It fails either the business activity screen (primary involvement in prohibited sectors such as conventional banking, alcohol, or gambling) or one of the quantitative financial ratio thresholds. Muslim investors should avoid or exit this position.

Why did Eagle Financial Services, Inc. get a F compliance rating?

Eagle Financial Services, Inc. (EFSI) received a grade of F (Non-Compliant) based on three AAOIFI Standard 21 financial ratios: debt-to-market-cap of 30.5% (limit 30%). The grade reflects the margin of safety across all three ratios relative to their thresholds.

What could change Eagle Financial Services, Inc.'s Shariah verdict?

Eagle Financial Services, Inc.'s verdict is re-evaluated at each annual re-screen. Three events could change it: (1) the debt-to-market-cap ratio crossing 30%, typically from new debt issuance or a major drop in share price; (2) interest-bearing deposits exceeding 30% of market cap; or (3) prohibited revenue (alcohol, gambling, conventional finance, etc.) exceeding 5% of total revenue. Verdict flips are tracked in the compliance history section above.

How often is Eagle Financial Services, Inc. re-screened for Shariah compliance?

Eagle Financial Services, Inc. (EFSI) is re-screened annually using the most recent full-year financial data from SEC filings. HalalScreener also triggers an on-demand re-screen whenever the stored data is more than 7 days old, ensuring the ratios reflect the latest available financial statements. Last screened: Aug 26, 2026.

Screened according to AAOIFI Standard No. 21 · For informational purposes only. Consult a qualified Islamic finance advisor before investing.

Disclaimer: This screening is for informational purposes only and does not constitute financial, legal, or religious advice. Compliance is evaluated using AAOIFI financial standards (debt, deposits, and prohibited income ratios) and publicly available data. Ethical, political, social, or environmental considerations are outside the scope of this screening. Individual scholars and methodologies may differ. Always consult a qualified Islamic finance advisor before making investment decisions.