EFSI · Eagle Financial Services Inc - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - | - | - |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - | - | - | - | - |
| D&A | $204.0K | - | - | - | $198.0K | - | - | - | $248.0K | - |
| Operating Income | $4.66M | - | $6.91M | $6.55M | ($9.04M) | - | $3.97M | $3.77M | $3.04M | - |
| Interest Expense | - | - | - | - | - | - | - | $9.58M | $9.49M | - |
| Income Tax | $918.0K | - | $1.32M | $1.28M | ($2.07M) | - | $550.0K | $585.0K | $495.0K | - |
| Net Income | $3.74M | - | $5.58M | $5.27M | ($6.97M) | - | $3.42M | $3.19M | $2.55M | - |
| EPS - Basic | $0.69 | - | $1.04 | $0.98 | ($1.53) | - | $0.97 | $0.89 | $0.72 | - |
| EPS - Diluted | $0.69 | - | $1.04 | $0.98 | ($1.53) | - | $0.97 | $0.89 | $0.72 | - |
Balance Sheet
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $189.77M | $217.19M | $268.13M | $396.00M | $264.95M | $193.16M | $181.19M | $123.66M | $127.63M | $138.35M |
| Accounts Receivable | - | - | - | - | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - | - | - | - | - |
| Total Assets | $1.84B | $1.89B | $1.93B | $2.04B | $1.90B | $1.87B | $1.88B | $1.79B | $1.78B | $1.83B |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - |
| Long-term Debt | $69.58M | - | - | - | - | - | - | - | - | - |
| Total Liabilities | $1.65B | $1.70B | $1.75B | $1.86B | $1.73B | $1.75B | $1.76B | $1.68B | $1.68B | $1.72B |
| Stockholders' Equity | $190.33M | $188.84M | $185.58M | $179.65M | $176.47M | $118.99M | $117.84M | $111.11M | $107.70M | $108.38M |
| Retained Earnings | $118.18M | $116.11M | $113.45M | $109.53M | $105.93M | $114.01M | $108.93M | $106.57M | $104.45M | $103.44M |
Cash Flow
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $4.30M | - | - | - | $5.80M | - | - | - | $6.75M | - |
| Investing Cash Flow | $19.38M | - | - | - | $30.23M | - | - | - | $25.80M | - |
| Financing Cash Flow | ($51.10M) | - | - | - | $35.76M | - | - | - | ($43.27M) | - |
| CapEx | $209.0K | - | - | - | $537.0K | - | - | - | $94.0K | - |
| Free Cash Flow | $4.09M | - | - | - | $5.26M | - | - | - | $6.66M | - |
Ratios
| Metric | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||
| Gross margin | - | - | - | - | - | - | - | - | - | - |
| Operating margin | - | - | - | - | - | - | - | - | - | - |
| EBITDA margin | - | - | - | - | - | - | - | - | - | - |
| Net margin | - | - | - | - | - | - | - | - | - | - |
| Free cash flow margin | - | - | - | - | - | - | - | - | - | - |
| FCF / Net income | 1.09 | - | - | - | -0.75 | - | - | - | 2.61 | - |
| R&D / Revenue | - | - | - | - | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - | - | - | - | - |
| Effective tax rate | 19.7% | - | 19.2% | 19.5% | - | - | 13.8% | 15.5% | 16.3% | - |
| Return on assets | 0.2% | - | 0.3% | 0.3% | -0.4% | - | 0.2% | 0.2% | 0.1% | - |
| Return on equity | 2.0% | - | 3.0% | 2.9% | -4.0% | - | 2.9% | 2.9% | 2.4% | - |
| Return on invested capital | 1.4% | - | - | - | - | - | - | - | - | - |
| Liquidity | ||||||||||
| Current ratio | - | - | - | - | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - | - | - | - | - |
| Leverage | ||||||||||
| Debt / Equity | 0.37 | - | - | - | - | - | - | - | - | - |
| Debt / Assets | 0.04 | - | - | - | - | - | - | - | - | - |
| Debt / EBITDA | 14.31 | - | - | - | - | - | - | - | - | - |
| Interest coverage | - | - | - | - | - | - | - | 0.4x | 0.3x | - |
| Equity multiplier | 9.66 | 10.00 | 10.41 | 11.33 | 10.79 | 15.68 | 15.97 | 16.11 | 16.55 | 16.84 |
| Liabilities / Assets | 0.90 | 0.90 | 0.90 | 0.91 | 0.91 | 0.94 | 0.94 | 0.94 | 0.94 | 0.94 |
| Efficiency | ||||||||||
| Asset turnover | - | - | - | - | - | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - | - | - | - | - |
| Valuation | ||||||||||
| P / E | 50.7x | - | 36.4x | 31.2x | - | - | 33.4x | 37.1x | 41.5x | - |
| P / B | 1.0x | - | 1.1x | 0.9x | 0.8x | - | 1.0x | 1.1x | 1.0x | - |
| P / S | - | - | - | - | - | - | - | - | - | - |
| EV / EBITDA | 14.2x | - | - | - | - | - | - | - | -6.5x | - |
| Growth | ||||||||||
| Revenue growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (3y) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Operating income growth (YoY) | - | - | 73.8% | 73.7% | - | - | 43.2% | 54.4% | -2.5% | - |
| Net income growth (YoY) | - | - | 63.1% | 65.5% | - | - | 47.6% | 54.8% | -1.4% | - |
| EPS growth (YoY) | - | - | 7.2% | 10.1% | - | - | 47.0% | 53.4% | -1.4% | - |
| EPS CAGR (3y) | -1.9% | - | -3.9% | -4.9% | - | - | 5.3% | 0.8% | -5.0% | - |
| EPS CAGR (5y) | -3.9% | - | 1.0% | 3.4% | - | - | 8.3% | 7.5% | -0.5% | - |
| FCF growth (YoY) | -22.3% | - | - | - | -21.0% | - | - | - | 3117.4% | - |
| FCF CAGR (5y) | 3.0% | - | - | - | 24.5% | - | - | - | 34.2% | - |
| Book value growth (YoY) | 7.8% | 58.7% | 57.5% | 61.7% | 63.9% | 9.8% | 16.5% | 6.9% | 3.1% | 6.5% |
Sales by segment
From XBRL dimensional facts in the 10-K period ending 2025-12-31.
Product / service
$13.79M totalAsset Management$6.05M · 43.9%
Interchange Fees$3.54M · 25.6%
Overdrawn Account Fees$1.62M · 11.8%
Brokerage Commissions$1.41M · 10.2%
Monthlyand Other Service Fees$517.0K · 3.7%
ATMFees$397.0K · 2.9%
Other Chargesand Fees$258.0K · 1.9%
Peer comparison
Same SIC group: State Commercial Banks
Comparing EAGLE FINANCIAL SERVICES INC against the 5 most active filers in the same SIC group.
Dividends
$1.24/share trailing 12 months · +0.8% YoY
| Ex-date | Per share |
|---|---|
| May 4, 2026 | $0.3100 |
| Feb 2, 2026 | $0.3100 |
| Nov 3, 2025 | $0.3100 |
| Aug 4, 2025 | $0.3100 |
| May 5, 2025 | $0.3100 |
| Feb 3, 2025 | $0.3100 |
| Nov 8, 2024 | $0.3100 |
| Aug 5, 2024 | $0.3000 |
| May 3, 2024 | $0.3000 |
| Feb 2, 2024 | $0.3000 |
| Nov 3, 2023 | $0.3000 |
| Aug 4, 2023 | $0.3000 |
| May 5, 2023 | $0.3000 |
| Feb 3, 2023 | $0.3000 |
| Nov 4, 2022 | $0.3000 |
| Aug 5, 2022 | $0.2900 |
| May 3, 2022 | $0.2800 |
| Apr 29, 2022 | $0.2800 |
| Feb 4, 2022 | $0.2800 |
| Nov 5, 2021 | $0.2800 |
| Aug 6, 2021 | $0.2800 |
| Apr 30, 2021 | $0.2700 |
| Feb 5, 2021 | $0.2700 |
| Oct 30, 2020 | $0.2600 |