Eagle Financial Services Inc (EFSI) Financial Statements
Industry: State Commercial Banks
In fiscal 2025, Eagle Financial Services reported revenue of $69.5M, down 4.5% from $72.8M the year before. Net income was $8.2M (a 11.8% net margin), or $1.59 per diluted share. Net interest income was $62.6M, and the efficiency ratio (noninterest expense / revenue) was 80.4%. Operating activities generated $25.8M of cash, leaving $24.3M of free cash flow. At fiscal year end, Eagle Financial Services held $1.89B in total assets against $1.70B in total liabilities.
Open the full interactive Eagle Financial Services financials → Quarterly statements, key ratios, valuation history and price charts.
Eagle Financial Services Key Stats
| Share Price | $45.72 |
|---|---|
| Market Cap | $247.4M |
| P/E Ratio | 28.8 |
| Revenue YoY Growth | -4.5% |
| 52-Week Range | $31.51 – $46.58 |
| Shares Outstanding | 5.4 million (basic, 2026 Q2) |
Eagle Financial Services Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Net Interest Income | $35.6M | $41.0M | $49.2M | $50.3M | $51.2M | $62.6M |
| Provision for Credit Losses | $1.5M | $1.5M | $1.8M | $1.6M | $2.5M | $3.9M |
| Noninterest Income | $8.6M | $11.3M | $13.3M | $14.7M | $21.6M | $6.9M |
| Noninterest Expense | $29.4M | $38.0M | $43.1M | $52.8M | $51.3M | $55.9M |
| Revenue | $44.2M | $52.3M | $62.6M | $65.0M | $72.8M | $69.5M |
| Pre-Tax Income | $13.3M | $12.8M | $17.7M | $10.6M | $18.9M | $9.9M |
| Income Tax | $2.1M | $1.8M | $3.1M | $1.3M | $3.6M | $1.7M |
| Net Income | $11.2M | $11.0M | $14.5M | $9.4M | $15.3M | $8.2M |
| Diluted EPS | $3.27 | $3.20 | $4.17 | $2.66 | $4.32 | $1.59 |
Eagle Financial Services Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $22.4M | $21.7M | $20.8M | $25.6M |
| Net Income | $5.6M | $4.3M | $3.7M | $5.0M |
| Diluted EPS | $1.04 | $0.84 | $0.69 | $0.92 |
Eagle Financial Services Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Loans (Net) | $829.2M | $976.9M | $1.31B | $1.45B | — | — |
| Total Assets | $1.13B | $1.30B | $1.62B | $1.83B | $1.87B | $1.89B |
| Total Long-Term Debt | — | — | $29.4M | $174.4M | $124.5M | $69.6M |
| Total Liabilities | $1.03B | $1.19B | $1.51B | $1.72B | $1.75B | $1.70B |
| Shareholders' Equity | $105.1M | $110.3M | $101.7M | $108.4M | $119.0M | $188.8M |
Eagle Financial Services Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | $11.0M | $14.2M | $13.8M | $6.9M | $18.8M | $25.8M |
| Cash From Investing | -$201.5M | -$191.0M | -$331.3M | -$130.3M | $16.7M | -$965,000 |
| Cash From Financing | $236.7M | $160.9M | $320.3M | $194.9M | $19.3M | -$754,000 |
| Free Cash Flow | $10.6M | $13.7M | $13.0M | $5.8M | $17.7M | $24.3M |
Figures from Eagle Financial Services' 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full Eagle Financial Services financials page for every line item.
Eagle Financial Services Company Profile
| Ticker | EFSI |
|---|---|
| Exchange | Nasdaq |
| Industry | State Commercial Banks |
| Headquarters | Berryville, Virginia |
| Incorporated in | Virginia |
| Fiscal Year End | December 31 |
| SEC Filer Category | Accelerated filer, smaller reporting company |
| SEC CIK | 0000880641 |
Frequently Asked Questions
What was Eagle Financial Services' revenue in fiscal 2025?
Eagle Financial Services (EFSI) reported revenue of $69.5M for fiscal 2025.
What is Eagle Financial Services' annual revenue history?
Eagle Financial Services' annual revenue by fiscal year: 2020: $44.2M; 2021: $52.3M; 2022: $62.6M; 2023: $65.0M; 2024: $72.8M; 2025: $69.5M.
What was Eagle Financial Services' net income in fiscal 2025?
Eagle Financial Services reported net income of $8.2M for fiscal 2025.
What was Eagle Financial Services' earnings per share (EPS) in fiscal 2025?
Eagle Financial Services' diluted EPS was $1.59 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did Eagle Financial Services generate in fiscal 2025?
Eagle Financial Services generated $24.3M of free cash flow in fiscal 2025.
What was Eagle Financial Services' revenue last quarter?
In its most recent reported quarter (2026 Q2), Eagle Financial Services reported revenue of $25.6M.
How much debt does Eagle Financial Services have?
Eagle Financial Services reported $69.6M of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of Eagle Financial Services are outstanding?
Eagle Financial Services reported a weighted average of 5.4 million basic shares outstanding in 2026 Q2.
What is Eagle Financial Services' market cap?
Based on its latest closing price, Eagle Financial Services (EFSI) has a market capitalization of about $247.4M.
When does Eagle Financial Services' fiscal year end?
Eagle Financial Services' fiscal year end, as registered with the SEC, is December 31.
Where is Eagle Financial Services headquartered?
Eagle Financial Services lists its business address in Berryville, Virginia in its SEC filings.