NASDAQ : EFSI
Eagle Financial Services, Inc. — Financial statements
Financials · Banks - Regional · United States
Last price 45.61 USD (Oct 30, 2026, 4:00 PM EST) · Market cap 242.93M
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Financial statements
Income statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Interest Income on Loans | 86.47M | 82.37M | 81.78M | 75.52M | 50.68M | 39.87M |
| Interest Income on Investments | 11.70M | 16.64M | 9.54M | 7.57M | 4.00M | 2.81M |
| Total Interest Income | 98.17M | 99.00M | 91.32M | 83.09M | 54.69M | 42.68M |
| Interest Paid on Deposits | 29.04M | 32.18M | 31.85M | 23.63M | 2.94M | 1.68M |
| Interest Paid on Borrowings | 2.25M | 4.21M | 8.24M | 9.21M | 2.53M | |
| Total Interest Expense | 31.29M | 36.39M | 40.09M | 32.84M | 5.47M | 1.68M |
| Net Interest Income | 66.88M | 62.61M | 51.23M | 50.26M | 49.21M | 41.00M |
| Trust Income | 8.02M | 7.46M | 5.62M | 4.93M | 4.15M | 3.05M |
| Gain (Loss) on Sale of Assets | 3.49M | -19.00K | 3.86M | 449.00K | -11.00K | |
| Gain (Loss) on Sale of Investments | -269.00K | -12.69M | -295.00K | -265.00K | -1.01M | -205.00K |
| Gain (Loss) on Sale of Equity Investments | 629.00K | 251.00K | 1.36M | 385.00K | ||
| Other Non-Interest Income | 5.99M | 6.10M | 6.64M | 5.78M | 6.45M | 5.35M |
| Total Non-Interest Income | 23.90M | 6.61M | 21.26M | 14.52M | 13.07M | 11.09M |
| Revenues Before Loan Losses | 90.78M | 69.23M | 72.49M | 64.77M | 62.28M | 52.09M |
| Provision for Loan Losses | 7.20M | 3.70M | 2.55M | 1.65M | 1.83M | 1.48M |
| Revenue | 83.58M | 65.53M | 69.94M | 63.12M | 60.45M | 50.61M |
| Salaries and Employee Benefits | 35.13M | 31.99M | 29.15M | 29.09M | 24.71M | 21.00M |
| Federal Deposit Insurance | 796.00K | 948.00K | 1.43M | 1.58M | 614.00K | 606.00K |
| Selling, General & Administrative | 14.49M | 13.64M | 12.44M | 11.90M | 9.93M | 10.47M |
| Other Non-Interest Expense | 10.09M | 8.65M | 7.81M | 9.92M | 7.49M | 5.50M |
| Total Non-Interest Expense | 60.80M | 55.60M | 51.04M | 52.49M | 42.78M | 37.82M |
| EBT Excluding Unusual Items | 22.78M | 9.93M | 18.90M | 10.63M | 17.67M | 12.79M |
| Pretax Income | 22.44M | 9.93M | 18.90M | 10.63M | 17.67M | 12.79M |
| Income Tax Expense | 4.64M | 1.71M | 3.56M | 1.28M | 3.15M | 1.77M |
| Net Income | 17.80M | 8.21M | 15.34M | 9.36M | 14.52M | 11.02M |
| Net Income to Common | 17.80M | 8.21M | 15.34M | 9.36M | 14.52M | 11.02M |
| Basic Shares Outstanding | 5.40M | 5.18M | 3.55M | 3.52M | 3.48M | 3.44M |
| Diluted Shares Outstanding | 5.40M | 5.18M | 3.55M | 3.52M | 3.48M | 3.44M |
| EPS (Basic) | 3.30 | 1.59 | 4.32 | 2.66 | 4.17 | 3.20 |
| EPS (Diluted) | 3.30 | 1.59 | 4.32 | 2.66 | 4.17 | 3.20 |
| Dividend Per Share | 1.24 | 1.24 | 1.21 | 1.20 | 1.15 | 1.10 |
| Effective Tax Rate | 20.66% | 17.24% | 18.82% | 12.00% | 17.83% | 13.81% |
Balance sheet
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 57.77M | 217.19M | 193.16M | 138.35M | 66.89M | 64.07M |
| Investment Securities | 209.47M | 45.39M | 17.66M | 20.62M | 22.30M | 43.91M |
| Trading Asset Securities | 1.10M | 1.56M | 1.47M | 1.02M | 58.00K | |
| Mortgage-Backed Securities | 75.13M | 104.97M | 118.82M | 129.15M | 151.01M | |
| Total Investments | 209.47M | 121.62M | 124.19M | 140.91M | 152.47M | 194.98M |
| Gross Loans | 1.53B | 1.47B | 1.47B | 1.46B | 1.32B | 985.72M |
| Allowance for Loan Losses | -18.53M | -15.32M | -15.03M | -14.49M | -11.22M | -8.79M |
| Net Loans | 1.51B | 1.46B | 1.45B | 1.45B | 1.31B | 976.93M |
| Property, Plant & Equipment | 14.95M | 24.34M | 23.98M | 22.50M | 22.83M | 23.39M |
| Loans Held for Sale | 623.00K | 4.79M | 2.66M | 1.66M | 153.00K | 876.00K |
| Accrued Interest Receivable | 5.29M | 5.15M | 5.01M | 3.90M | ||
| Long-Term Deferred Tax Assets | 1.40M | 5.00M | ||||
| Other Real Estate Owned & Foreclosed | 250.00K | 135.00K | 514.00K | 304.00K | 108.00K | |
| Other Long-Term Assets | 73.99M | 52.80M | 52.47M | 59.59M | 49.64M | 42.23M |
| Total Assets | 1.87B | 1.89B | 1.87B | 1.83B | 1.62B | 1.30B |
| Interest Bearing Deposits | 1.17B | 990.93M | 973.19M | 913.60M | 714.74M | 641.49M |
| Institutional Deposits | 184.25M | 195.78M | 155.85M | 70.36M | 65.16M | |
| Non-Interest Bearing Deposits | 453.48M | 432.17M | 406.18M | 436.62M | 478.75M | 470.36M |
| Total Deposits | 1.62B | 1.61B | 1.58B | 1.51B | 1.26B | 1.18B |
| Short-Term Borrowings | 1.10M | 26.47M | 21.72M | 209.22M | 289.00K | |
| Current Portion of Leases | 1.02M | |||||
| Long-Term Debt | 29.63M | 29.58M | 29.51M | 29.44M | 29.38M | |
| Federal Home Loan Bank Debt, Long-Term | 40.00M | 95.00M | 145.00M | |||
| Long-Term Leases | 8.82M | 9.78M | 4.65M | 4.98M | 5.29M | |
| Other Long-Term Liabilities | 22.30M | 11.90M | 11.31M | 10.33M | 7.56M | 10.18M |
| Total Liabilities | 1.68B | 1.70B | 1.75B | 1.72B | 1.51B | 1.19B |
| Common Stock | 13.32M | 13.26M | 8.71M | 8.66M | 8.63M | 8.56M |
| Additional Paid-In Capital | 65.65M | 64.72M | 14.90M | 14.28M | 13.27M | 12.12M |
| Retained Earnings | 124.55M | 116.11M | 114.01M | 103.44M | 100.28M | 89.76M |
| Comprehensive Income & Other | -8.23M | -5.26M | -18.64M | -18.01M | -20.45M | -155.00K |
| Shareholders' Equity | 195.29M | 188.84M | 118.99M | 108.38M | 101.73M | 110.28M |
| Total Liabilities & Equity | 1.87B | 1.89B | 1.87B | 1.83B | 1.62B | 1.30B |
| Total Debt | 29.63M | 80.53M | 160.76M | 200.81M | 243.57M | 5.58M |
| Net Cash (Debt) | 132.66M | 137.77M | 33.96M | -61.00M | -175.66M | 58.55M |
| Net Cash Per Share | 24.55 | 26.60 | 9.56 | -17.31 | -50.44 | 17.02 |
| Filing Date Shares Outstanding | 5.33M | 5.34M | 5.31M | 3.50M | 3.52M | 3.48M |
| Total Common Shares Outstanding | 5.33M | 5.31M | 3.49M | 3.46M | 3.49M | 3.45M |
| Book Value Per Share | 36.66 | 35.59 | 34.14 | 31.29 | 29.15 | 31.93 |
| Tangible Book Value | 195.29M | 188.84M | 118.99M | 108.38M | 101.73M | 110.28M |
| Tangible Book Value Per Share | 36.66 | 35.59 | 34.14 | 31.29 | 29.15 | 31.93 |
Cash flow statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 8.21M | 15.34M | 9.36M | 14.52M | 11.02M | |
| Depreciation & Amortization | 1.12M | 1.54M | 1.99M | 1.91M | 1.67M | |
| Other Amortization | 67.00K | 67.00K | 67.00K | 51.00K | ||
| Gain (Loss) on Sale of Assets | 372.00K | -3.66M | -456.00K | 11.00K | 201.00K | |
| Gain (Loss) on Sale of Investments | 11.76M | 258.00K | 335.00K | 1.30M | 1.22M | |
| Provision for Credit Losses | 3.70M | 2.55M | 1.65M | 1.83M | 1.48M | |
| Net Decrease (Increase) in Loans Originated / Sold - Operating | 1.26M | 1.14M | -382.00K | 1.21M | -240.00K | |
| Change in Other Net Operating Assets | 2.30M | 4.13M | -3.25M | -5.45M | 3.88M | |
| Other Operating Activities | -878.00K | -1.38M | -2.22M | -712.00K | -1.96M | |
| Operating Cash Flow | 25.75M | 18.76M | 6.88M | 13.81M | 16.46M | |
| Capital Expenditures | -1.41M | -1.02M | -1.07M | -838.00K | -520.00K | |
| Sale of Property, Plant and Equipment | 40.00K | 7.67M | 39.00K | 33.00K | ||
| Investment in Securities | 6.34M | 14.40M | 13.55M | 15.42M | -35.16M | |
| Divestitures | 53.99M | |||||
| Net Decrease (Increase) in Loans Originated / Sold - Investing | -11.38M | -6.96M | -191.57M | -337.07M | -148.42M | |
| Other Investing Activities | 5.19M | 2.66M | -5.33M | -8.88M | -9.78M | |
| Investing Cash Flow | -965.00K | 16.75M | -130.28M | -331.34M | -193.22M | |
| Short-Term Debt Issued | 5.00M | 207.98M | ||||
| Long-Term Debt Issued | 145.00M | 29.33M | ||||
| Total Debt Issued | 5.00M | 145.00M | 237.31M | |||
| Short-Term Debt Repaid | -25.00M | -187.98M | ||||
| Long-Term Debt Repaid | -55.00M | -50.00M | ||||
| Total Debt Repaid | -80.00M | -50.00M | -187.98M | |||
| Net Debt Issued (Repaid) | -80.00M | -45.00M | -42.98M | 237.31M | ||
| Issuance of Common Stock | 53.50M | 132.00K | 164.00K | 179.00K | ||
| Repurchase of Common Stock | -348.00K | -237.00K | -302.00K | -154.00K | -149.00K | |
| Common Dividends Paid | -6.11M | -4.30M | -4.23M | -3.81M | -3.26M | |
| Net Increase (Decrease) in Deposit Accounts | 32.20M | 68.83M | 242.25M | 86.84M | 164.14M | |
| Financing Cash Flow | -754.00K | 19.30M | 194.87M | 320.35M | 160.91M | |
| Net Cash Flow | 24.04M | 54.81M | 71.46M | 2.83M | -15.85M | |
| Free Cash Flow | 24.35M | 17.74M | 5.80M | 12.98M | 15.94M | |
| Free Cash Flow Margin | 37.16% | 25.37% | 9.20% | 21.47% | 31.50% | |
| Free Cash Flow Per Share | 4.70 | 4.99 | 1.65 | 3.73 | 4.63 | |
| Cash Interest Paid | 37.23M | 40.14M | 31.33M | 4.56M | 1.68M | |
| Cash Income Tax Paid | 2.01M | 80.00K | 2.07M | 4.37M | 2.82M |
Ratios
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 244.48M | 211.08M | 126.87M | 103.92M | 125.45M | 119.69M |
| Last Close Price | 45.61 | 38.85 | 34.25 | 27.15 | 31.35 | 29.26 |
| PE Ratio | 13.93 | 25.70 | 8.27 | 11.11 | 8.64 | 10.86 |
| PS Ratio | 2.91 | 3.22 | 1.81 | 1.65 | 2.08 | 2.37 |
| PB Ratio | 1.24 | 1.12 | 1.07 | 0.96 | 1.23 | 1.08 |
| P/FCF Ratio | 30.13 | 8.67 | 7.15 | 17.90 | 9.67 | 7.51 |
| P/OCF Ratio | 26.52 | 8.20 | 6.76 | 15.12 | 9.08 | 7.27 |
| Debt / Equity Ratio | 0.15 | 0.43 | 1.35 | 1.85 | 2.39 | 0.05 |
| Debt / FCF Ratio | 3.31 | 9.06 | 34.60 | 18.77 | 0.35 | |
| Net Debt / Equity Ratio | -0.68 | -0.73 | -0.28 | 0.56 | 1.73 | -0.53 |
| Net Debt / FCF Ratio | -5.66 | -1.91 | 10.51 | 13.54 | -3.67 | |
| Return on Equity (ROE) | 9.35% | 5.34% | 13.50% | 8.91% | 13.70% | 10.23% |
| Return on Assets (ROA) | 0.94% | 0.44% | 0.83% | 0.54% | 1.00% | 0.91% |
| Earnings Yield | 7.18% | 3.89% | 12.09% | 9.00% | 11.58% | 9.21% |
| FCF Yield | 3.32% | 11.54% | 13.98% | 5.58% | 10.34% | 13.32% |
| Dividend Yield | 2.71% | 3.12% | 3.32% | 4.00% | 3.20% | 3.17% |
| Payout Ratio | 37.63% | 74.40% | 28.02% | 45.20% | 26.22% | 29.59% |
| Buyback Yield / Dilution | -14.45% | -45.71% | -0.86% | -1.18% | -1.23% | -0.66% |
| Total Shareholder Return | -11.73% | -42.59% | 2.46% | 2.82% | 1.97% | 2.52% |