EAGLE FINANCIAL SERVICES INC

EFSI

EAGLE FINANCIAL SERVICES INC

EFSI

Insider Sentiment (TTM):

Last Purchase:2026-03-11Last Sale:2026-04-29Shares Purchased (TTM):3,740Shares Sold (TTM):522

Institutional Sentiment:

As of:2026-03-31Institutional Shares Owned:2,419,734Shares Outstanding:5,412,021Institutional Ownership Pct.:44.71%

Earnings Market Reaction:

Filing Date:2026-08-10Price on Filing Date:N/APrevious Close:N/A% Change:N/A

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Financial Statements

10‑Q10‑K

Values in Millions ($)	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Cash And Due From Banks	18	15	14	16	17	17	13	15	15	13	15	14
Interest Bearing Deposits In Banks	71	95	104	189	261	187	163	162	46	55	97	49
Federal Funds Sold	55	80	99	63	118	61	17	4	62	59	26	79
Cash Cash Equivalents And Federal Funds Sold	144	190	217	268	396	265	193	181	124	128	138	142
Available For Sale Securities Debt Securities	112	115	120	121	121	110	121	130	129	132	137	134
Restricted Investments	2	2	4	4	4	5	8	10	9	9	10	9
Loans Receivable Held For Sale Amount	6	5	5	3	3	3	3	4	3	2	2	4
Assets
Assets	1,847	1,838	1,889	1,932	2,035	1,904	1,866	1,882	1,790	1,783	1,826	1,801
Loans And Leases Receivable Net Of Deferred Income	-	-	-	-	-	-	-	-	-	1,439	1,463	1,441
Loans And Leases Receivable Allowance	-	-	-	-	-	-	-	-	-	-14	-14	-15
Loans And Leases Receivable Allowance Covered	-	-17	-15	-15	-16	-15	-15	-15	-15	-	-14	-
Loans Receivable Fair Value Disclosure	1,481	1,442	1,458	1,445	1,423	1,437	1,452	1,468	1,434	1,425	1,448	1,426
Property Plant And Equipment Net	15	15	15	15	15	15	14	18	18	18	18	18
Bank Owned Life Insurance	32	32	32	31	31	31	31	30	30	30	30	24
Real Estate Acquired Through Foreclosure	-	-	-	-	-	-	-	-	-	-	0	0
Other Assets	55	38	39	44	43	39	45	40	43	40	43	44
Liabilities And Stockhold…
Liabilities
Deposits
Noninterest Bearing Deposit Liabilities Domestic	463	455	432	521	575	432	406	414	415	425	437	431
Interest Bearing Deposit Liabilities Domestic	721	728	729	688	728	729	679	656	647	667	656	656
Time Deposits	418	415	447	446	464	447	490	477	426	382	413	411
Deposits Domestic	1,602	1,598	1,607	1,655	1,767	1,607	1,575	1,546	1,489	1,474	1,506	1,498
Federal Funds Purchased	-	-	-	0	0	-	-	0	0	0	0	0
Federal Home Loan Bank Advances Branch Of F H L B …	-	-	0	0	0	25	25	0	0	10	20	0
Federal Home Loan Bank Advances Long Term	0	0	40	40	40	40	95	170	145	145	145	145
Subordinated Debt	30	30	30	30	30	30	30	29	29	29	29	29
Other Liabilities	22	20	23	22	19	20	23	18	16	16	16	27
Liabilities	1,653	1,648	1,700	1,747	1,855	1,728	1,747	1,764	1,679	1,675	1,717	1,700
Preferred Stock Value	0	0	0	0	0	0	0	0	0	0	0	0
Common Stock Value	13	13	13	13	13	13	9	9	9	9	9	9
Stockholders Equity
Additional Paid In Capital	65	65	65	64	64	64	15	15	15	14	14	14
Stockholders Equity	194	190	189	186	180	176	119	118	111	108	108	101
Retained Earnings Accumulated Deficit	121	118	116	113	110	106	114	109	107	104	103	102
Accumulated Other Comprehensive Income Loss Net Of…	-6	-6	-5	-6	-7	-7	-19	-14	-19	-20	-18	-24
Liabilities And Stockholders Equity	1,847	1,838	1,889	1,932	2,035	1,904	1,866	1,882	1,790	1,783	1,826	1,801
Preferred Stock Par Or Stated Value Per Share	10	10	10	10	10	10	10	10	10	10	10	10
Preferred Stock Shares Authorized	1	1	1	1	1	1	1	1	1	1	1	1
Common Stock Par Or Stated Value Per Share	2.5	2.5	2.5	2.5	2.5	2.5	2.5	2.5	2.5	2.5	2.5	2.5
Common Stock Shares Authorized	10	10	10	10	10	10	10	10	10	10	10	10
Common Stock Shares Issued	5	5	5	5	5	5	4	4	4	4	4	4
Shares Outstanding	5	5	5	5	5	5	4	4	4	4	4	4
Share Based Compensation Arrangement By Share Base…	0	0	0	0	0	0	0	0	0	0	0	0
Available For Sale Debt Securities Amortized Cost …	120	123	-	128	130	118	-	148	153	157	-	164

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Earnings Market Reaction

10‑Q10‑K

Fiscal Year	Q1 1 Month	Q1 2 Month	Q1 3 Month	Q2 1 Month	Q2 2 Month	Q2 3 Month	Q3 1 Month	Q3 2 Month	Q3 3 Month	Q4 1 Month	Q4 2 Month	Q4 3 Month
2026	9.77%	9.50%	8.54%	-	-	-	-	-	-	-	-	-
2025	-3.81%	4.38%	3.93%	7.52%	7.15%	4.38%	6.08%	9.56%	6.42%	19.01%	17.57%	27.18%
2024	5.37%	13.80%	18.79%	0.36%	-2.68%	-0.43%	6.26%	8.05%	8.05%	-1.19%	-4.49%	-9.85%
2023	-	-	-	4.07%	3.74%	0.23%	-0.49%	-1.29%	-0.79%	-	-	-
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Performance and Valuation Metrics

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Metrics	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Leverage & Debt
Interest Coverage TTM	-0.64	-0.64	-0.84	-0.79	-0.83	-0.48	0.25	0.68	1.31	1.29	1.32	1.47
Efficiency & Turnover
Days Sales Outstanding TTM	-	-	-	-	-	-	-	-	-	5,995.06	6,120.02	6,242.12
Receivables Turnover TTM	-	-	-	-	-	-	-	-	-	0.06	0.06	0.06
Per Share Metrics
Diluted EPS TTM	3.44	3.50	1.59	1.87	1.47	1.27	4.32	3.25	2.94	2.62	2.66	2.88
Free Cash Flow Per Share TTM	1.49	4.28	4.70	3.99	3.88	3.58	4.99	1.59	3.60	3.41	1.62	5.70
Dividend Per Share TTM	1.24	1.23	1.18	1.03	0.92	0.95	1.21	1.20	1.19	1.19	1.20	1.20
Margin Metrics
Gross Profit Margin TTM	67.20%	65.62%	63.24%	60.79%	58.00%	56.12%	56.10%	40.49%	40.90%	41.88%	43.83%	66.33%
Operating Profit Margin TTM	23.87%	23.78%	10.02%	12.76%	10.00%	7.34%	20.70%	14.64%	13.53%	12.21%	12.80%	15.79%
Net Profit Margin TTM	18.85%	19.06%	8.30%	10.25%	8.24%	6.27%	16.80%	12.93%	11.89%	10.78%	11.26%	13.15%
Growth Metrics
Net Revenue Growth (1Y)	3.03%	6.91%	8.41%	9.95%	9.28%	7.48%	9.90%	15.62%	26.46%	40.03%	51.95%	54.58%
Net Income Growth (1Y)	135.76%	225.17%	-46.46%	-12.86%	-24.32%	-37.54%	63.97%	13.71%	-12.37%	-32.74%	-35.56%	-25.34%
EPS Growth (1Y)	134.29%	174.71%	-63.26%	-42.43%	-49.95%	-51.41%	62.57%	12.91%	-13.11%	-33.39%	-36.32%	-26.17%
Valuation Metrics
P/E TTM	11.95	9.84	24.50	19.56	19.97	24.45	7.93	9.29	10.38	10.41	10.22	9.92
P/B TTM	1.15	0.98	1.07	1.06	0.88	0.81	1.02	0.91	0.98	0.90	0.88	1.00
P/S TTM	2.25	1.88	2.03	2.00	1.65	1.53	1.33	1.20	1.23	1.12	1.15	1.30
Market Cap	222.67M	186.33M	201.22M	196.86M	157.90M	142.30M	121.73M	107.28M	108.42M	97.05M	95.65M	100.81M
Enterprise Value	78.67M	-3.44M	-15.98M	-71.26M	-238.10M	-122.65M	-71.43M	-73.91M	-15.24M	-30.58M	-42.70M	-41.22M
Calculated Values
Free Cash Flow TTM	8.06M	23.17M	24.35M	21.44M	20.89M	16.35M	17.74M	5.63M	12.82M	12.15M	5.69M	20.12M
Net Debt	-143.99M	-189.77M	-217.19M	-268.13M	-396.00M	-264.95M	-193.16M	-181.19M	-123.66M	-127.63M	-138.35M	-142.04M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
NCAV
NCAV Per Share TTM
Valuation Ratios
P/CF TTM
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2026-04-29Sale

Owner: Schmidt, Marianne

Title: EXECUTIVE OFFICER

Shares: 388

Price/Share: $37.95

Value: $14,724.60

Shares Owned: 3,757

Relationship: Officer

Ownership: Direct

2026-03-11Purchase

Owner: Hamberger, Scott M

Title: -

Shares: 909

Price/Share: $33.00

Value: $29,997.00

Shares Owned: 2,550

Relationship: Director

Ownership: Direct

2026-03-05Purchase

Owner: Hill, Edward Iii

Title: -

Shares: 939

Price/Share: $34.62

Value: $32,508.18

Shares Owned: 5,600

Relationship: Director

Ownership: Direct

2026-03-02Purchase

Owner: Lorey, Brandon Craig

Title: EXECUTIVE OFFICER

Shares: 350

Price/Share: $34.53

Value: $12,085.50

Shares Owned: 44,204

Relationship: Director,Officer

Ownership: Direct

2026-02-27Purchase

Owner: Hamberger, Scott M

Title: -

Shares: 945

Price/Share: $36.00

Value: $34,020.00

Shares Owned: 11,009

Relationship: Director

Ownership: Indirect

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2026-04-29	Schmidt, Marianne	Officer	EXECUTIVE OFFICER	Direct	Sale	388	37.95	$14,724.60	3,757	4
2026-03-11	Hamberger, Scott M	Director	-	Direct	Purchase	909	33.00	$29,997.00	2,550	4
2026-03-05	Hill, Edward Iii	Director	-	Direct	Purchase	939	34.62	$32,508.18	5,600	4
2026-03-02	Lorey, Brandon Craig	Director,Officer	EXECUTIVE OFFICER	Direct	Purchase	350	34.53	$12,085.50	44,204	4
2026-02-27	Hamberger, Scott M	Director	-	Indirect	Purchase	945	36.00	$34,020.00	11,009	4
2026-01-30	Hamberger, Scott M	Director	-	Indirect	Purchase	597	37.99	$22,680.03	10,064	4
2025-12-03	Braithwaite, Todd A	Officer	EXECUTIVE OFFICER	Direct	Sale	56	38.90	$2,178.40	8,800	4
2025-10-29	Stokely, John D Jr	Director	-	Direct	Sale	78	36.60	$2,854.80	13,369	4
2025-07-31	Smith, Nicholas Peter	Officer	EXECUTIVE OFFICER	Direct	Purchase	303	33.00	$9,999.00	4,009	4
2025-06-12	Hill, Edward Iii	Director	-	Direct	Purchase	1,000	29.93	$29,930.00	3,900	4
2025-06-02	Hamberger, Scott M	Director	-	Direct	Purchase	771	31.00	$23,901.00	10,342	4
2025-05-23	Hamberger, Scott M	Director	-	Direct	Purchase	849	31.00	$26,319.00	9,571	4
2025-03-04	Schmidt, Marianne	Officer	EXECUTIVE OFFICER	Direct	Sale	447	32.31	$14,442.57	3,235	4
2025-02-07	Lorey, Brandon Craig	Director,Officer	EXECUTIVE OFFICER	Direct	Purchase	2,343	32.00	$74,976.00	38,786	4
2025-02-07	Hill, Edward Iii	Director	-	Direct	Purchase	300	32.00	$9,600.00	2,900	4
2025-02-07	Chappell, Kathleen J	Officer	EXECUTIVE OFFICER	Direct	Purchase	100	32.00	$3,200.00	17,302	4
2025-02-07	Smalley, Robert W Jr	Director	-	Direct	Purchase	100	32.00	$3,200.00	23,401	4
2025-02-07	Matthews, Tatiana C	Director	-	Direct	Purchase	312	32.00	$9,984.00	2,856	4
2025-02-07	Stokely, John D Jr	Director	-	Direct	Purchase	78	32.00	$2,496.00	13,099	4
2025-02-07	Hamberger, Scott M	Director	-	Direct	Purchase	5,000	32.00	$160,000.00	8,716	4
2025-02-07	Crosen, Kaley Ann	Officer	EXECUTIVE OFFICER	Direct	Purchase	100	32.00	$3,200.00	22,333	4
2025-02-07	Braithwaite, Todd A	Officer	EXECUTIVE OFFICER	Direct	Purchase	1,249	32.00	$39,968.00	8,887	4
2025-02-07	Poffinberger, Aaron M	Officer	EXECUTIVE OFFICER	Direct	Purchase	312	32.00	$9,984.00	9,496	4
2025-02-07	Zmitrovich, Joseph T	Officer	EXECUTIVE OFFICER	Direct	Purchase	312	32.00	$9,984.00	23,792	4
2025-02-07	Claytor, Cary R	Director	-	Direct	Purchase	3,125	32.00	$100,000.00	8,365	4
2025-02-07	Gilpin, Thomas T	Director	-	Direct	Purchase	1,000	32.00	$32,000.00	50,490	4
2025-02-07	Rinker, Douglas Clay	Director	-	Direct	Purchase	312	32.00	$9,984.00	21,438	4
2025-02-07	Glaize, Mary Bruce	Director	-	Direct	Purchase	31	32.00	$992.00	16,585	4
2025-02-07	Milleson, John R	Director	-	Direct	Purchase	781	32.00	$24,992.00	143,784	4
2025-02-07	Purrington, Debra L	Officer	EXECUTIVE OFFICER	Direct	Purchase	62	32.00	$1,984.00	6,599	4
2025-02-07	Schmidt, Marianne	Officer	EXECUTIVE OFFICER	Direct	Purchase	31	32.00	$992.00	3,682	4
2025-02-07	Smith, Nicholas Peter	Officer	EXECUTIVE OFFICER	Direct	Purchase	156	32.00	$4,992.00	3,997	4
2025-02-07	Croson, Kathleen S	Officer	EXECUTIVE OFFICER	Direct	Purchase	31	32.00	$992.00	5,257	4
2025-02-07	George, James S Ii	Officer	EXECUTIVE OFFICER	Direct	Purchase	100	32.00	$3,200.00	6,700	4
2024-07-26	Schmidt, Marianne	Officer	EXECUTIVE OFFICER	Direct	Sale	197	29.80	$5,870.60	2,606	4
2024-01-31	Milleson, John R	Director	-	Direct	Purchase	75	29.98	$2,248.50	142,361	4
2023-08-10	Purrington, Debra L	Officer	EXECUTIVE OFFICER	Direct	Purchase	9	30.99	$278.91	3,303	4
2023-08-01	Milleson, John R	Director	-	Direct	Purchase	120	31.76	$3,811.20	141,012	4
2023-06-09	Purrington, Debra L	Officer	EXECUTIVE OFFICER	Direct	Purchase	12	30.99	$371.88	3,403	4/A
2023-05-04	Lorey, Brandon Craig	Director,Officer	EXECUTIVE OFFICER	Direct	Purchase	500	32.50	$16,250.00	28,873	4
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Institutional Ownership

No data available for chart

2026-03-31

44.71%

Inst. Shares: 2,419,734

Shares Outstanding: 5,412,021

2025-12-31

47.67%

Inst. Shares: 2,468,470

Shares Outstanding: 5,178,488

2025-09-30

44.24%

Inst. Shares: 2,378,505

Shares Outstanding: 5,376,346

2025-06-30

42.75%

Inst. Shares: 2,299,100

Shares Outstanding: 5,378,214

2025-03-31

46.86%

Inst. Shares: 2,142,501

Shares Outstanding: 4,572,297

Date	Institutional Shares Owned	Shares Outstanding	Institutional Ownership %
2026-03-31	2,419,734	5,412,021	44.71%
2025-12-31	2,468,470	5,178,488	47.67%
2025-09-30	2,378,505	5,376,346	44.24%
2025-06-30	2,299,100	5,378,214	42.75%
2025-03-31	2,142,501	4,572,297	46.86%
2023-12-31	10,944	3,523,547	0.31%
2023-09-30	17,470	3,526,943	0.50%
2023-06-30	44,034	3,526,934	1.25%
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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. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), EAGLE FINANCIAL SERVICES INC reported a 3.03% year-over-year revenue growth, a Gross Profit Margin of 67.20% (TTM), a Price-to-Sales (P/S) ratio of 2.25x (TTM), a Price-to-Book (P/B) ratio of 1.15x (TTM), at a market cap of $222.67M. Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y: 3.03%
Gross Profit Margin TTM: 67.20%
P/S TTM: 2.25x
P/B TTM: 1.15x
Market Cap: $222.67M

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 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 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.