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EFSI

Eagle Financial Services, Inc.

EFSI

Eagle Financial Services, Inc. • NASDAQ
$37.57 ▲ 0.83% (+0.31)
Market Cap $201.99 M
52w High $40.03
52w Low $28.70
Dividend Yield 1.24%
P/E 15.03
Volume 3.97K
Outstanding Shares 5.38M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $0 ▼ $0 ▼ $0 ▼ 0% ▼ $1.04 ▲ $815K ▼
Q2-2025 $29.267M ▲ $12.934M ▲ $5.27M ▲ 18.007% ▲ $0.98 ▲ $6.739M ▲
Q1-2025 $14.449M ▼ $12.09M ▲ $-6.974M ▼ -48.266% ▼ $-1.53 ▼ $-8.842M ▼
Q4-2024 $27.795M ▼ $8.835M ▼ $6.186M ▲ 22.256% ▲ $1.74 ▲ $8.351M ▲
Q3-2024 $27.831M $11.784M $3.424M 12.303% $0.96 $4.218M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $0 ▼ $1.932B ▼ $1.747B ▼ $185.581M ▲
Q2-2025 $298.776M ▲ $2.035B ▲ $1.855B ▲ $179.648M ▲
Q1-2025 $217.215M ▲ $1.904B ▲ $1.728B ▼ $176.475M ▲
Q4-2024 $176.718M ▼ $1.866B ▼ $1.747B ▼ $118.987M ▲
Q3-2024 $307.656M $1.882B $1.764B $117.844M

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q3-2025 $5.584M ▲ $8.21M ▲ $-22.87M ▼ $-113.213M ▼ $0 ▼ $9.009M ▲
Q2-2025 $5.27M ▲ $2.566M ▼ $2.303M ▼ $126.187M ▲ $131.056M ▲ $2.304M ▼
Q1-2025 $-6.974M ▼ $5.8M ▼ $30.226M ▲ $35.761M ▲ $71.787M ▲ $5.263M ▼
Q4-2024 $6.186M ▲ $6.315M ▼ $27.778M ▲ $-22.125M ▼ $11.968M ▼ $6.042M ▼
Q3-2024 $3.424M $7.514M $-31.151M $81.173M $57.536M $7.283M

Revenue by Products

Product Q2-2025
A T M Fees
A T M Fees
 $0 ▲
Brokerage Commissions
Brokerage Commissions
 $0 ▲
Interchange Fees
Interchange Fees
 $0 ▲
Monthlyand Other Service Fees
Monthlyand Other Service Fees
 $0 ▲
Other Chargesand Fees
Other Chargesand Fees
 $0 ▲
Overdrawn Account Fees
Overdrawn Account Fees
 $0 ▲

Five-Year Company Overview

Income Statement

Income Statement Eagle Financial Services shows a pattern of steady, fairly predictable growth. Revenue has climbed over the past several years, and profits have generally kept pace, which suggests the bank is managing its interest income and expenses reasonably well. Margins look solid for a community bank, with enough spread between what it earns on loans and pays on deposits to stay comfortably profitable. The jump in earnings per share in the most recent year stands out as a strong result after a softer prior year, though the history also shows that profits can move around somewhat with the rate and credit cycle. Overall, this looks like a conservative, relationship‑driven bank that converts its business into consistent earnings rather than chasing rapid, high‑risk growth.

Balance Sheet

Balance Sheet The balance sheet tells the story of a growing community bank that has expanded its total assets at a measured pace. Cash levels have improved over time, giving the bank more flexibility and a cushion against shocks. Debt has been introduced in recent years but is not excessive and appears to be trending down, suggesting a cautious use of borrowing rather than aggressive leverage. Shareholders’ equity has grown gradually, indicating that profits are being retained to support future growth and capital strength. In simple terms, the bank looks reasonably well capitalized for its size, with a balance sheet built more for stability than for stretch.

Cash Flow

Cash Flow Cash flow from operations has been consistently positive, which is what you want to see from a lender that depends on recurring interest and fee income. Free cash flow essentially mirrors operating cash flow because the bank requires limited spending on physical assets, reflecting the service‑oriented nature of its business. This pattern indicates that the bank’s core activities are self‑funding and that it does not need heavy investment just to stand still. While cash flows aren’t large in absolute terms, they appear steady and reliable, which is valuable in a regional banking context.

Competitive Edge

Competitive Edge Eagle Financial Services competes as a classic community bank rather than a national or tech‑heavy player. Its main edge comes from long‑standing local relationships, on‑the‑ground knowledge of its markets, and decision‑making that stays close to customers. The bank’s history going back more than a century, coupled with visible community involvement and charitable efforts, supports strong customer loyalty and word‑of‑mouth referrals. It also benefits from a broader product set than some small peers, including wealth management and a niche in marine lending, which adds some diversification. The trade‑off is that it does not enjoy the scale, marketing reach, or technology budget of the largest regional and national banks, so its competitive moat is primarily relational and regional rather than technological.

Innovation and R&D

Innovation and R&D While Eagle is not a technology pioneer, it has done a solid job of keeping up with what customers now expect from a modern bank. Its mobile and online offerings, remote check deposit, person‑to‑person payments, and digital wallet compatibility place it on par with standard industry capabilities. Recent upgrades to its online platform, including better security and card controls, show a willingness to invest enough to stay current, even if it is not building proprietary fintech solutions. The partnership with Greenlight to promote financial literacy for children is a good example of creative use of third‑party technology to deepen customer relationships and differentiate its brand as family‑ and education‑oriented. Overall, innovation here is incremental and partner‑driven, focused on enhancing the customer experience and reinforcing the community model rather than disrupting the industry.

Summary

Eagle Financial Services comes across as a steady, community‑anchored bank with predictable earnings, a sound and gradually strengthening balance sheet, and consistently positive cash generation. Its main strengths are deep local roots, personal service, and a product mix that extends beyond basic banking into wealth management and specialized lending. Technology is used as an enabler rather than a centerpiece, with sensible upgrades and partnerships keeping the bank relevant in the digital age without stretching its resources. The key risks are the usual ones for a regional bank: sensitivity to local economic conditions, competition from larger and more digital‑heavy institutions, and the need to keep pace with changing customer expectations without losing its community identity. Taken together, EFSI looks like a conservative, relationship‑driven institution aiming for gradual, sustainable growth rather than rapid transformation.

NEWS

October 23, 2025 · 4:30 PM UTC

EAGLE FINANCIAL SERVICES, INC. ANNOUNCES 2025 THIRD QUARTER FINANCIAL RESULTS AND QUARTERLY DIVIDEND

Read more