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Financials · EFSI

Eagle Financial Services Inc (EFSI) financials

For the twelve months ended Sep 30, 2026, Eagle Financial Services Inc reported $94.07M of revenue and $17.80M of net income.

Revenue, TTM
$94.07M
Revenue growth, YoY
+31.1%
Net income, TTM
$17.80M
Net income growth, YoY
+76.9%
Net margin
18.9%
Free cash flow, TTM
$25.66M
EPS, diluted, TTM
$3.30
EPS growth, YoY
+48.0%
Cash
$162.29M
Total debt
$29.63M
P/E
13.94
P/S
2.64
Market cap
$248.2M
Annual revenue$69.50M
FY2016FY2025
Annual net income$8.21M
FY2016FY2025
Annual free cash flow$24.35M
FY2016FY2025

EFSI revenue and earnings growth

EFSI revenueQ3 2026$22.93M

Quarter YoY
+2.5%
QoQ
-10.3%
FY YoY
-4.5%
5Y CAGR
+9.5%
10Y CAGR
+8.2%

EFSI revenue was $22.93M in fiscal Q3 2026 (ended Sep 30, 2026), up 2.5% from a year earlier and down 10.3% from the prior quarter. For the full fiscal 2025 it was $69.50M, down 4.5% from fiscal 2024. Compound annual growth was +9.5% over 5 years and +8.2% over 10 years. It rose in 8 of the last 10 fiscal years.

EFSI net incomeQ3 2026$4.75M

Quarter YoY
-14.9%
QoQ
-4.6%
FY YoY
-46.5%
5Y CAGR
-6.0%
10Y CAGR
+1.8%

EFSI net income was $4.75M in fiscal Q3 2026 (ended Sep 30, 2026), down 14.9% from a year earlier and down 4.6% from the prior quarter. For the full fiscal 2025 it was $8.21M, down 46.5% from fiscal 2024. Compound annual growth was -6.0% over 5 years and +1.8% over 10 years. It rose in 6 of the last 10 fiscal years.

EFSI EPSQ3 2026$0.88

Quarter YoY
-15.4%
QoQ
-4.3%

EFSI diluted EPS was $0.88 in fiscal Q3 2026 (ended Sep 30, 2026), down 15.4% from a year earlier and down 4.3% from the prior quarter. For the full fiscal 2025 it was $1.59.

EFSI free cash flowQ3 2026$25.43M

Quarter YoY
+224.8%
FY YoY
+37.2%
5Y CAGR
+18.2%
10Y CAGR
+19.0%

EFSI free cash flow was $25.43M in fiscal Q3 2026 (ended Sep 30, 2026), up 224.8% from a year earlier. For the full fiscal 2025 it was $24.35M, up 37.2% from fiscal 2024. Compound annual growth was +18.2% over 5 years and +19.0% over 10 years. It rose in 4 of the last 6 fiscal years. Fiscal 2025 is the highest of the 15 fiscal years on file.

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Income statement

Income statement
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue$69.50M$72.78M$65.04M$62.56M$52.32M$44.21M$38.97M$36.29M$33.98M$31.39M
Interest expense--$32.84M$5.47M$1.68M$3.28M$4.24M$2.52M$1.15M$1.07M
Pre-tax income$9.93M$18.90M$10.63M$17.67M$12.79M$13.31M$11.57M$10.31M$11.41M$8.92M
Income tax$1.71M$3.56M$1.28M$3.15M$1.77M$2.14M$1.81M$1.31M$3.63M$2.55M
Net income$8.21M$15.34M$9.36M$14.52M$11.02M$11.17M$9.76M$9.00M$7.79M$6.37M
EPS, basic$1.59$4.32$2.66$4.17$3.20$3.27$2.84$2.60$2.24$1.81
EPS, diluted$1.59$4.32$2.66$4.17$3.20$3.27$2.84$2.60$2.24$1.81
Diluted shares5.2M3.6M3.5M3.5M3.4M3.4M3.4M3.5M3.5M3.5M

Balance sheet

Balance sheet
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Cash and equivalents$217.19M$193.16M$138.35M$66.89M$64.07M$79.92M$33.66M$18.35M$35.85M$35.28M
Total assets$1.89B$1.87B$1.83B$1.62B$1.30B$1.13B$877.32M$799.62M$765.75M$700.15M
Total debt$69.58M---------
Total liabilities$1.70B$1.75B$1.72B$1.51B$1.19B$1.03B$780.99M$712.02M$681.93M$620.73M
Shareholders' equity$188.84M$118.99M$108.38M$101.73M$110.28M$105.07M$96.33M$87.60M$83.82M$79.42M

Cash flow

Cash flow
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Operating cash flow$25.75M$18.76M$6.88M$13.81M$16.46M$11.01M$11.35M-$1.52M$9.37M$9.70M
Capital expenditures$1.41M$1.02M$1.07M$838.0K$520.0K$456.0K$1.31M$432.0K$368.0K$257.0K
Free cash flow$24.35M$17.74M$5.80M$12.98M$15.94M$10.55M$10.03M-$1.96M$9.00M$9.44M
Investing cash flow-$965.0K$16.75M-$130.28M-$331.34M-$193.22M-$201.47M-$57.98M-$53.66M-$64.29M-$26.38M
Financing cash flow-$754.0K$19.30M$194.87M$320.35M$160.91M$236.73M$61.94M$37.69M$55.49M$28.74M
Dividends paid$6.11M$4.30M$4.23M$3.81M$3.26M$3.20M$3.00M$2.78M$2.65M$2.35M
Stock-based compensation$1.22M$912.0K$1.21M$1.02M$850.0K$604.0K$562.0K$518.0K$382.0K$314.0K

Key ratios

Key ratios
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue growth, YoY-4.5%11.9%4.0%19.6%18.4%13.4%7.4%6.8%8.3%-0.6%
Net income growth, YoY-46.5%64.0%-35.6%31.8%-1.4%14.5%8.4%15.6%22.2%-7.6%
EPS growth, YoY-62.4%-36.2%30.3%-2.1%15.1%9.2%16.1%23.8%-8.1%
Net margin11.8%21.1%14.4%23.2%21.1%25.3%25.0%24.8%22.9%20.3%
Free cash flow margin35.0%24.4%8.9%20.7%30.5%23.9%25.7%-5.4%26.5%30.1%
Return on equity4.3%12.9%8.6%14.3%10.0%10.6%10.1%10.3%9.3%8.0%
Return on assets0.4%0.8%0.5%0.9%0.8%1.0%1.1%1.1%1.0%0.9%
Debt to equity0.37---------

Source: XBRL data Eagle Financial Services Inc files with the SEC, latest filing dated Nov 9, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

EFSI peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
EFSI$94.07M+31.1%$17.80M18.9%$248.2M
JPM$203.15B+13.2%$65.98B32.5%$908.43B
BAC$120.16B+5.4%$32.24B26.8%$348.81B
WFC$87.23B+5.4%$22.97B26.3%$256.63B
C$85.22B+5.6%$14.31B16.8%$201.89B
UBS$49.57B+2.0%$7.80B15.7%$151.93B
MFG¥8.79T+7.6%¥1.16T13.2%$122.19B
COF$63.01B+31.2%$10.87B17.2%$119.45B
BNSC$37.74B+12.1%C$7.79B20.6%$114.51B

EFSI FAQ

8 questions
  • What is EFSI revenue?
    Eagle Financial Services Inc (EFSI) reported $94.07M of revenue for the twelve months ended Sep 30, 2026. That is up 31.1% from the year before. Revenue for fiscal 2025 was $69.50M.
  • Is EFSI profitable?
    Yes. Eagle Financial Services Inc earned $17.80M in net income for the twelve months ended Sep 30, 2026, a net margin of 18.9%.
  • How much cash and debt does EFSI have?
    Eagle Financial Services Inc reported $162.29M in cash and cash equivalents and $29.63M of debt on its most recent balance sheet in SEC filings.
  • How fast is EFSI revenue growing?
    Eagle Financial Services Inc's revenue changed -4.5% in fiscal 2025, to $69.50M. Its compound annual growth rate was +9.5% over 5 years and +8.2% over 10 years.
  • What is EFSI free cash flow?
    Eagle Financial Services Inc generated $25.66M of free cash flow for the twelve months ended Sep 30, 2026, which is operating cash flow of $26.58M less capital expenditures.
  • What is EFSI earnings per share?
    Diluted earnings per share were $3.30 for the twelve months ended Sep 30, 2026, from SEC filings, restated for any stock split those filings show.
  • When did EFSI last report financial results?
    The latest statements here come from Eagle Financial Services Inc's 10-Q filed on Nov 9, 2026, covering the period ended Sep 30, 2026.
  • Where does this EFSI financial data come from?
    Quantisnow builds these statements from the structured XBRL data Eagle Financial Services Inc files with the SEC. It is provided for information only and is not investment advice.