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 | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenue | - | - | $0 | $236.0K | - | - |
| Cost of Revenue | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - |
| D&A | $780.0K | $979.0K | $1.00M | $979.0K | $996.0K | $1.03M |
| Operating Income | $9.93M | $18.90M | $10.63M | $17.67M | $13.31M | $13.31M |
| Interest Expense | - | - | $32.84M | $5.47M | $1.68M | $3.28M |
| Income Tax | $1.71M | $3.56M | $1.28M | $3.15M | $1.77M | $2.14M |
| Net Income | $8.21M | $15.34M | $9.36M | $14.52M | $11.02M | $11.17M |
| EPS - Basic | $1.59 | $4.32 | $2.66 | $4.17 | $3.20 | $3.27 |
| EPS - Diluted | $1.59 | $4.32 | $2.66 | $4.17 | $3.20 | $3.27 |
Balance Sheet
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $217.19M | $193.16M | $138.35M | $66.89M | $64.07M | $79.92M |
| Accounts Receivable | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - |
| Total Assets | $1.89B | $1.87B | $1.83B | $1.62B | $1.30B | $1.13B |
| Current Liabilities | - | - | - | - | - | - |
| Long-term Debt | - | - | - | - | - | - |
| Total Liabilities | $1.70B | $1.75B | $1.72B | $1.51B | $1.19B | $1.03B |
| Stockholders' Equity | $188.84M | $118.99M | $108.38M | $101.73M | $110.28M | $105.07M |
| Retained Earnings | $116.11M | $114.01M | $103.44M | $100.28M | $89.76M | $82.52M |
Cash Flow
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Operating Cash Flow | $25.75M | $18.76M | $6.88M | $13.81M | $14.22M | $11.01M |
| Investing Cash Flow | ($965.0K) | $16.75M | ($130.28M) | ($331.34M) | ($190.98M) | ($201.47M) |
| Financing Cash Flow | ($754.0K) | $19.30M | $194.87M | $320.35M | $160.91M | $236.73M |
| CapEx | $1.41M | $1.02M | $1.07M | $838.0K | $520.0K | $456.0K |
| Free Cash Flow | $24.35M | $17.74M | $5.80M | $12.98M | $13.70M | $10.55M |
Ratios
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Gross margin | - | - | - | - | - | - |
| Operating margin | - | - | - | 7487.7% | - | - |
| EBITDA margin | - | - | - | 7902.5% | - | - |
| Net margin | - | - | - | 6153.0% | - | - |
| Free cash flow margin | - | - | - | 5498.3% | - | - |
| FCF / Net income | 2.96 | 1.16 | 0.62 | 0.89 | 1.24 | 0.94 |
| R&D / Revenue | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - |
| Effective tax rate | 17.2% | 18.8% | 12.0% | 17.8% | 13.8% | 16.1% |
| Return on assets | 0.4% | 0.8% | 0.5% | 0.9% | 0.8% | 1.0% |
| Return on equity | 4.3% | 12.9% | 8.6% | 14.3% | 10.0% | 10.6% |
| Return on invested capital | - | - | - | - | - | - |
| Liquidity | ||||||
| Current ratio | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - |
| Leverage | ||||||
| Debt / Equity | - | - | - | - | - | - |
| Debt / Assets | - | - | - | - | - | - |
| Debt / EBITDA | - | - | - | - | - | - |
| Interest coverage | - | - | 0.3x | 3.2x | 7.9x | 4.1x |
| Equity multiplier | 10.00 | 15.68 | 16.84 | 15.89 | 11.82 | 10.76 |
| Liabilities / Assets | 0.90 | 0.94 | 0.94 | 0.94 | 0.92 | 0.91 |
| Efficiency | ||||||
| Asset turnover | - | - | 0.00 | 0.00 | - | - |
| Inventory turnover | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - |
| Valuation | ||||||
| P / E | 25.0x | 8.4x | 11.3x | 8.6x | 10.8x | 9.0x |
| P / B | 1.1x | 1.1x | 1.0x | 1.2x | 1.1x | 1.0x |
| P / S | - | - | - | 530.5x | - | - |
| EV / EBITDA | -1.0x | -3.2x | -2.8x | 3.1x | 3.9x | 1.5x |
| Growth | ||||||
| Revenue growth (YoY) | - | - | -100.0% | - | - | - |
| Revenue CAGR (3y) | - | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - |
| Operating income growth (YoY) | -47.5% | 77.8% | -39.8% | 32.8% | 0.0% | 15.0% |
| Net income growth (YoY) | -46.5% | 64.0% | -35.6% | 31.8% | -1.4% | 14.5% |
| EPS growth (YoY) | -63.2% | 62.4% | -36.2% | 30.3% | -2.1% | 15.1% |
| EPS CAGR (3y) | -27.5% | 10.5% | -6.7% | 13.7% | 7.2% | 13.4% |
| EPS CAGR (5y) | -13.4% | 8.8% | 0.5% | 13.2% | 12.1% | 10.7% |
| FCF growth (YoY) | 37.2% | 205.7% | -55.3% | -5.3% | 29.9% | 5.1% |
| FCF CAGR (5y) | 18.2% | 12.1% | - | 7.6% | 7.7% | 19.7% |
| Book value growth (YoY) | 58.7% | 9.8% | 6.5% | -7.8% | 5.0% | 9.1% |
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%
Stability scores
Piotroski F-score
FY 2025 · 9-point quality
3/9
Weak
- ✓Net income positive
- ✓Operating cash flow positive
- ✗ROA improved YoY
- ✓Cash flow > net income
- -Long-term debt decreased
- -Current ratio improved
- ✗No share dilution
- -Gross margin improved
- -Asset turnover improved
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 |