Eagle Financial Services Inc
EFSI Nasdaq· State Commercial Banks
Last close · Oct 26, 2026
$46.32
KIRA · Stoqly’s AI analyst, in plain words
- Eagle Financial Services Inc had $69.5M of revenue in fiscal 2025, down 4.5% on the year before. Over five years, revenue changed +9.5% a year on average.
- Eagle Financial Services Inc made $8.2M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew −1.4% a year.
- Eagle Financial Services Inc returned $6.1M to shareholders in fiscal 2025, 25% of free cash flow. The diluted share count rose 45.7%.
- It earned 5.3% on shareholders’ money. Running costs took 80.4% of revenue (the efficiency ratio; lower is better).
Market cap
$251M
P/E
13.4x
Revenue
$69.5M
Net income
$8.2M
Return on equity
5.3%
Efficiency ratio
80.4%
Eagle Financial Services Inc in 30 seconds · fiscal 2025
Are sales growing?
−4.5%
No. Sales fell 4.5% last year.
Does it make a profit?
11.8%
Yes. It keeps 11.8% of every sale as profit.
How lean are its costs?
80.4%
Costly. Running costs take 80.4% of revenue.
How much does it earn on its capital?
5.3%
Low. It earns 5.3% a year on shareholders’ money.
How is the share priced?
13.4x
One share costs 13.4 times its yearly profit per share.
What Eagle Financial Services Inc does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 16, 2026
- Legal name
- EAGLE FINANCIAL SERVICES INC
- CIK
- 0000880641
Eagle Financial Services Inc · EFSI
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $0.2M | $0.0M | $0.0M | $72.8M | $69.5M |
| Revenue growth | −99.5% | −98.7% | −100.0% | — | −4.5% |
| Net interest income | $41.0M | $49.2M | $50.3M | $51.2M | $62.6M |
| Net income | $11.0M | $14.5M | $9.4M | $15.3M | $8.2M |
| Net margin | 4,669.9% | 484,033.3% | — | 21.1% | 11.8% |
| Diluted EPS | $3.20 | $4.17 | $2.66 | $4.32 | $1.59 |
| Cash | |||||
| Cash from operations | $16.5M | $13.8M | $6.9M | $18.8M | $25.8M |
| Capital expenditure | $0.5M | $0.8M | $1.1M | $1.0M | $1.4M |
| Free cash flow | $15.9M | $13.0M | $5.8M | $17.7M | $24.3M |
| FCF margin | 6,753.8% | 432,533.3% | — | 24.4% | 35.0% |
| Dividends paid | $3.3M | $3.8M | $4.2M | $4.3M | $6.1M |
| Share count change | 0.7% | 1.2% | 1.2% | 0.9% | 45.7% |
| Debt and strength | |||||
| Cash and short-term investments | $64.1M | $66.9M | $138M | $193M | $217M |
| Debt incl. finance leases | — | — | — | — | $69.6M |
| Loans, net | $977M | $1.3B | $1.4B | — | — |
| Shareholders' equity | $110M | $102M | $108M | $119M | $189M |
| Returns and quality | |||||
| Return on equity | 10.2% | 13.7% | 8.9% | 13.5% | 5.3% |
| Return on tangible equity | 10.0% | 14.3% | 8.6% | 12.9% | 4.3% |
| Efficiency ratio | 16,122.5% | 1,435,233.3% | — | 70.5% | 80.4% |
Insiders bought, 12 months
$0.1M
3 insiders
Insiders sold, 12 months
$0.2M
3 insiders
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Eagle Financial Services Inc · EFSI
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $46.32 a share, the company is worth $251M: 13.4 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0000880641). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.