EFSI

EAGLE FINANCIAL SERVICES INC
—

Company Information

Company Name
EAGLE FINANCIAL SERVICES INC
CIK
CIK0000880641
Category
Accelerated filer<br>Smaller reporting company
Ticker: Exchange
EFSI: Nasdaq
Fiscal Year End
December 31
Owner Organization
02 Finance
SIC
6022
SIC Description
State Commercial Banks
Ticker
EFSI

SEC filing data through

Insider Sentiment

Last purchase
2026-03-11
Last sale
2026-04-29
Shares purchased (TTM)
6,663
Shares sold (TTM)
522
Buy ratio (TTM)92.7%

Institutional Sentiment

As of
2026-06-30
Institutional shares owned
2,418,938
Shares outstanding
5,412,016
Ownership
44.70%
+1.95% Y/Y

Earnings Market Reaction

Filing date
2026-08-10
Price on filing date
—
1-month reaction
-2.26%
3-month reaction
…
Drift continued6/10 (60%)
Faded / reversed4/10 (40%)

Balance Sheet

Values in millions ($)
Line item2026-06-302026-03-312025-12-312025-09-302025-06-302025-03-312024-12-312024-09-302024-06-302024-03-312023-12-312023-09-30Subscriber-only columnSubscriber-only columnSubscriber-only columnSubscriber-only columnSubscriber-only columnTrend
Cash And Due From Banks181514161717131515131514
Interest Bearing Deposits In Banks719510418926118716316246559749
Federal Funds Sold558099631186117462592679
Cash Cash Equivalents And Federal Funds Sold144190217268396265193181124128138142
Available For Sale Securities Debt Securities112115120121121110121130129132137134
Restricted Investments22444581099109
Loans Receivable Held For Sale Amount655333343224
Assets
Assets1,8471,8381,8891,9322,0351,9041,8661,8821,7901,7831,8261,801
Loans And Leases Receivable Net Of Deferred Income---------1,4391,4631,441
Loans And Leases Receivable Allowance----------14-14-15
Loans And Leases Receivable Allowance Covered--17-15-15-16-15-15-15-15--14-
Financing Receivable Allowance For Credit Losses-18----16-------
Loans Receivable Fair Value Disclosure1,4811,4421,4581,4451,4231,4371,4521,4681,4341,4251,4481,426
Property Plant And Equipment Net151515151515141818181818
Bank Owned Life Insurance323232313131313030303024
Real Estate Acquired Through Foreclosure----------00
Other Assets553839444339454043404344
Deposits
Noninterest Bearing Deposit Liabilities Domestic463455432521575432406414415425437431
Interest Bearing Deposit Liabilities Domestic721728729688728729679656647667656656
Time Deposits418415447446464447490477426382413411
Deposits Domestic1,6021,5981,6071,6551,7671,6071,5751,5461,4891,4741,5061,498
Federal Home Loan Bank Advances Branch Of F H L B Bank Amount Of Advances By Branch--00025250010200
Federal Funds Purchased0--00--00000
Federal Home Loan Bank Advances Long Term004040404095170145145145145
Subordinated Debt303030303030302929292929
Other Liabilities222023221920231816161627
Liabilities1,6531,6481,7001,7471,8551,7281,7471,7641,6791,6751,7171,700
Preferred Stock Value000000000000
Common Stock Value131313131313999999
Stockholders Equity
Additional Paid In Capital656565646464151515141414
Stockholders Equity194190189186180176119118111108108101
Retained Earnings Accumulated Deficit121118116113110106114109107104103102
Accumulated Other Comprehensive Income Loss Net Of Tax-6-6-5-6-7-7-19-14-19-20-18-24
Liabilities And Stockholders Equity1,8471,8381,8891,9322,0351,9041,8661,8821,7901,7831,8261,801
Preferred Stock Par Or Stated Value Per Share10.0010.0010.0010.0010.0010.0010.0010.0010.0010.0010.0010.00
Preferred Stock Shares Authorized111111111111
Common Stock Par Or Stated Value Per Share2.502.502.502.502.502.502.502.502.502.502.502.50
Common Stock Shares Authorized101010101010101010101010
Common Stock Shares Issued555555444444
Shares Outstanding555555444444
Share Based Compensation Arrangement By Share Based Payment Award Equity Instruments Other Than Options Nonvested Number000000000000
Available For Sale Debt Securities Amortized Cost Basis120123-128130118-148153157-164

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EAGLE FINANCIAL SERVICES INC (EFSI) — SEC Financial Statements & Analysis

EAGLE FINANCIAL SERVICES INC (EFSI) is a state commercial banks company, incorporated in VA. EAGLE FINANCIAL SERVICES INC trades on Nasdaq as: EFSI. EAGLE FINANCIAL SERVICES INC (EFSI)'s most recent SEC filing is a Form 10-Q for the period ended 2026-06-30, filed with the SEC on 2026-08-10. Based on that filing, EAGLE FINANCIAL SERVICES INC carries a market cap of $222.67M, a P/E ratio of 11.95x, a P/B ratio of 1.15x, a P/S ratio of 2.25x, an enterprise value of $78.67M, and an EV/EBITDA multiple of -1.87x. On profitability, it posts a gross margin of 67.20%, an operating margin of 23.87%, a net margin of 18.85%, and a Return on Equity (ROE) of 9.98%. Per share, it reports EPS of $3.44, diluted EPS of $3.44, free cash flow per share of $1.49, and a dividend per share of $1.24. Over the trailing year, it posted revenue growth of 3.03% year-over-year, net income growth of 135.76% year-over-year, and EPS growth of 134.29% year-over-year. On the balance sheet, it maintains an interest coverage ratio of -0.64x, free cash flow of $8.06M (TTM), and net debt of $-143.99M. Figures sourced from SEC EDGAR.

Market Cap
$222.67M
P/E TTM
11.95x
EPS TTM
$3.44
P/B TTM
1.15x
ROE TTM
9.98%
Free Cash Flow TTM
$8.06M
Net Revenue TTM Growth 1Y
3.03%

Data as of 2026-06-30 · Source: SEC EDGAR

Frequently Asked Questions

What industry is EAGLE FINANCIAL SERVICES INC in?

EAGLE FINANCIAL SERVICES INC (EFSI) operates in the State Commercial Banks industry.

What exchange does EFSI trade on?

EAGLE FINANCIAL SERVICES INC (EFSI) trades on the Nasdaq.

Where is EAGLE FINANCIAL SERVICES INC incorporated?

EAGLE FINANCIAL SERVICES INC is incorporated in VA.

When was EAGLE FINANCIAL SERVICES INC (EFSI)'s most recent SEC filing?

EAGLE FINANCIAL SERVICES INC (EFSI)'s most recent SEC filing is a Form 10-Q for the period ended 2026-06-30, filed with the SEC on 2026-08-10.

What is EFSI's market cap?

EAGLE FINANCIAL SERVICES INC (EFSI) has a market capitalization of $222.67M as of 2026-06-30.

What is EFSI's P/E ratio?

EAGLE FINANCIAL SERVICES INC (EFSI)'s trailing twelve month P/E ratio is 11.95x as of 2026-06-30.

What is EFSI's EPS (earnings per share)?

EAGLE FINANCIAL SERVICES INC (EFSI)'s trailing twelve month EPS is $3.44 as of 2026-06-30.

What is EFSI's ROE (return on equity)?

EAGLE FINANCIAL SERVICES INC (EFSI)'s trailing twelve month Return on Equity (ROE) is 9.98% as of 2026-06-30.

What is EFSI's EV/EBITDA?

EAGLE FINANCIAL SERVICES INC (EFSI)'s trailing twelve month EV/EBITDA is -1.87x as of 2026-06-30.

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