Go Pro
→ The end may be near for these iconic stocks (From Chaikin Analytics) (Ad)tc pixel Free EFSI Stock Alerts

Eagle Financial Services (EFSI) Financials

Eagle Financial Services logo
$42.31 -0.18 (-0.42%)
As of 04:00 PM Eastern
Compare
Annual Income Statements for Eagle Financial Services

Annual Income Statements for Eagle Financial Services

This table shows Eagle Financial Services' income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 6.90 6.37 10 12 9.76 11 11 15 9.36 15 8.21
Consolidated Net Income / (Loss)		 6.90 6.37 7.79 9.00 9.76 11 11 15 9.36 15 8.21
Net Income / (Loss) Continuing Operations		 6.90 6.37 10 12 9.76 11 11 15 9.36 15 8.21
Total Pre-Tax Income 		9.33 8.92 11 10 12 13 13 18 11 19 9.93
Total Revenue		 32 31 37 39 39 44 52 63 65 73 69
Net Interest Income / (Expense)		 23 25 27 29 31 36 41 49 50 51 63
Total Interest Income		 24 26 28 32 35 39 43 55 83 91 99
Loans and Leases Interest Income		 22 23 25 28 31 35 40 51 76 82 82
Investment Securities Interest Income		 2.72 2.68 3.37 3.85 4.02 3.52 2.74 3.62 3.68 3.57 4.80
Deposits and Money Market Investments Interest Income		 0.03 0.07 0.16 0.18 0.30 0.11 0.07 0.35 3.73 5.85 12
Federal Funds Sold and Securities Borrowed Interest Income		 - 0.00 0.00 0.00 0.00 0.00 0.00 0.03 0.16 0.12 0.24
Total Interest Expense		 1.35 1.07 1.15 2.52 4.24 3.28 1.68 5.47 33 40 36
Deposits Interest Expense		 0.74 0.79 1.08 2.49 4.19 3.26 1.68 2.94 24 32 32
Long-Term Debt Interest Expense		 0.52 0.28 0.06 0.00 - - 0.00 1.07 1.42 1.42 1.42
Federal Funds Purchased and Securities Sold Interest Expense		 0.09 0.00 0.01 0.03 0.05 0.03 0.00 1.47 7.79 6.82 2.80
Total Non-Interest Income		 8.44 6.67 6.78 6.88 7.76 8.58 11 13 15 22 6.88
Trust Fees by Commissions		 1.34 1.36 - - - - 3.05 4.15 4.93 5.62 7.46
Service Charges on Deposit Accounts		 - - - - 1.19 0.92 1.24 1.62 1.81 1.94 2.14
Other Service Charges		 4.63 5.23 0.46 0.11 5.11 5.26 4.82 5.83 5.07 4.66 5.00
Net Realized & Unrealized Capital Gains on Investments		 2.47 0.09 -0.02 0.01 0.13 0.69 1.68 1.13 1.88 6.00 3.36
Other Non-Interest Income		 - - 8.94 9.41 1.33 1.71 0.53 0.63 1.10 3.34 -11
Provision for Credit Losses		 -0.23 -0.19 -0.63 0.78 0.63 1.46 1.48 1.83 1.65 2.55 3.70
Total Non-Interest Expense		 22 23 23 25 27 29 38 43 53 51 56
Salaries and Employee Benefits		 12 13 14 14 15 18 22 26 30 30 33
Net Occupancy & Equipment Expense		 3.01 3.00 3.08 2.87 2.93 3.26 3.76 4.15 4.86 4.80 5.69
Marketing Expense		 0.61 0.63 0.73 0.76 0.87 0.71 0.41 0.77 1.16 1.04 0.86
Property & Liability Insurance Claims		 0.44 0.30 0.22 0.23 0.11 0.22 0.61 0.61 1.59 1.43 0.95
Other Operating Expenses		 6.15 5.61 5.52 6.40 7.41 7.32 11 12 15 14 15
Other Special Charges		 -0.05 0.09 -0.00 0.87 0.44 -0.14 0.20 0.00 -0.01 0.00 0.05
Income Tax Expense		 2.43 2.55 3.63 1.31 1.81 2.14 1.77 3.15 1.28 3.56 1.71
Basic Earnings per Share		 $1.97 $1.81 $2.24 $2.60 $2.84 $3.27 $3.20 $4.17 $2.66 $4.32 $1.59
Weighted Average Basic Shares Outstanding		 3.50M 3.52M 3.47M 3.46M 3.44M 3.43M 3.48M 3.52M 3.56M 5.38M 5.41M
Diluted Earnings per Share		 $1.97 $1.81 $2.24 $2.60 $2.84 $3.27 $3.20 $4.17 $2.66 $4.32 $1.59
Weighted Average Diluted Shares Outstanding		 3.50M 3.52M 3.47M 3.46M 3.44M 3.43M 3.48M 3.52M 3.56M 5.38M 5.41M
Weighted Average Basic & Diluted Shares Outstanding		 3.50M 3.52M 3.47M 3.46M 3.44M 3.43M 3.48M 3.52M 3.56M 5.38M 5.41M
Cash Dividends to Common per Share		 $0.80 $0.82 $0.88 $0.94 $1.00 $1.04 $1.10 $1.15 $1.20 $1.21 $1.24

Quarterly Income Statements for Eagle Financial Services

This table shows Eagle Financial Services' income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026
Net Income / (Loss) Attributable to Common Shareholders		 2.40 2.55 3.19 3.42 6.19 -6.97 5.27 5.58 4.33 3.74 4.98
Consolidated Net Income / (Loss)		 2.40 2.55 3.19 3.42 6.19 -6.97 5.27 5.58 4.33 3.74 4.98
Net Income / (Loss) Continuing Operations		 2.40 2.55 3.19 3.42 6.19 -6.97 5.27 5.58 4.33 3.74 4.98
Total Pre-Tax Income 		2.30 3.04 3.77 3.97 8.11 -9.04 6.55 6.91 5.51 4.66 6.53
Total Revenue		 16 16 16 18 22 4.78 21 22 22 21 26
Net Interest Income / (Expense)		 12 12 12 13 13 13 16 17 16 16 17
Total Interest Income		 22 22 22 24 24 24 25 26 25 24 24
Loans and Leases Interest Income		 19 20 20 21 21 20 20 21 21 21 22
Investment Securities Interest Income		 0.93 0.92 0.90 0.87 0.88 0.85 1.26 1.35 1.34 1.31 1.26
Deposits and Money Market Investments Interest Income		 1.57 0.98 1.25 1.66 1.94 2.64 3.06 3.80 2.10 1.70 1.20
Federal Funds Sold and Securities Borrowed Interest Income		 0.07 0.04 0.07 0.01 0.01 0.04 0.09 0.06 0.05 0.11 0.18
Total Interest Expense		 9.73 9.49 9.58 11 10 10 9.12 8.73 8.37 7.92 7.41
Deposits Interest Expense		 7.66 7.42 7.52 8.42 8.50 8.50 8.26 7.89 7.53 7.23 7.05
Long-Term Debt Interest Expense		 0.35 0.35 0.36 0.35 0.35 0.35 0.36 0.35 0.35 0.35 0.36
Federal Funds Purchased and Securities Sold Interest Expense		 1.71 1.71 1.71 1.76 1.65 1.31 0.50 0.49 0.49 0.34 0.00
Total Non-Interest Income		 3.68 3.48 4.31 5.25 8.54 -8.55 4.92 5.17 5.36 4.93 8.59
Trust Fees by Commissions		 1.32 1.46 1.27 1.52 1.38 1.68 1.65 1.83 2.30 1.78 2.20
Service Charges on Deposit Accounts		 0.47 0.45 0.46 0.52 0.51 0.49 0.52 0.56 0.57 0.56 0.56
Other Service Charges		 1.01 1.01 1.57 1.17 0.54 0.99 1.24 1.44 1.33 1.03 1.30
Net Realized & Unrealized Capital Gains on Investments		 0.49 0.16 0.48 0.63 4.74 0.41 1.10 1.01 0.83 1.01 4.13
Other Non-Interest Income		 0.41 0.40 0.53 1.43 1.38 -12 0.41 0.33 0.32 0.55 0.40
Provision for Credit Losses		 0.37 0.48 0.18 1.54 0.35 1.23 0.67 1.11 0.69 1.96 3.50
Total Non-Interest Expense		 13 12 13 13 14 13 13 14 16 14 16
Salaries and Employee Benefits		 7.85 7.19 7.35 7.55 7.97 7.18 7.85 8.72 9.46 8.23 9.21
Net Occupancy & Equipment Expense		 1.27 1.18 1.09 1.18 1.35 1.37 1.32 1.52 1.48 1.48 1.49
Marketing Expense		 0.29 0.24 0.25 0.25 0.31 0.18 0.15 0.32 0.21 0.19 0.30
Property & Liability Insurance Claims		 0.48 0.41 0.35 0.34 0.33 0.32 0.25 0.17 0.20 0.23 0.17
Other Operating Expenses		 3.39 3.37 3.47 3.57 3.59 3.54 3.82 3.62 4.14 4.09 4.37
Other Special Charges		 - - - - - 0.00 0.00 - - 0.01 0.00
Income Tax Expense		 -0.10 0.50 0.59 0.55 1.93 -2.07 1.28 1.32 1.18 0.92 1.55
Basic Earnings per Share		 $0.69 $0.72 $0.89 $0.97 $1.74 ($1.53) $0.98 $1.04 $1.10 $0.69 $0.92
Weighted Average Basic Shares Outstanding		 3.56M 3.56M 3.55M 3.55M 5.38M 5.38M 5.38M 5.38M 5.41M 5.41M 5.41M
Diluted Earnings per Share		 $0.69 $0.72 $0.89 $0.97 $1.74 ($1.53) $0.98 $1.04 $1.10 $0.69 $0.92
Weighted Average Diluted Shares Outstanding		 3.56M 3.56M 3.55M 3.55M 5.38M 5.38M 5.38M 5.38M 5.41M 5.41M 5.41M
Weighted Average Basic & Diluted Shares Outstanding		 3.56M 3.56M 3.55M 3.55M 5.38M 5.38M 5.38M 5.38M 5.41M 5.41M 5.41M

Annual Cash Flow Statements for Eagle Financial Services

This table details how cash moves in and out of Eagle Financial Services' business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 -11 12 0.57 -17 15 46 -16 2.83 71 55 24
Net Cash From Operating Activities		 7.16 9.70 9.37 -1.52 11 11 16 14 6.88 19 26
Net Cash From Continuing Operating Activities		 0.03 9.70 9.37 -1.52 11 11 16 14 6.88 19 26
Net Income / (Loss) Continuing Operations		 0.00 6.37 7.79 9.00 9.76 11 11 15 9.36 15 8.21
Consolidated Net Income / (Loss)		 - 6.37 7.79 9.00 9.76 11 11 15 9.36 15 8.21
Provision For Loan Losses		 0.06 -0.18 -0.63 0.78 0.63 1.46 1.48 1.83 1.65 2.55 3.70
Depreciation Expense		 0.84 0.93 0.95 0.93 0.96 1.03 1.00 0.98 1.00 0.98 0.78
Amortization Expense		 0.41 0.56 0.64 0.68 0.85 1.21 1.91 1.54 1.39 0.89 -0.27
Non-Cash Adjustments to Reconcile Net Income		 -2.28 0.38 0.94 0.97 1.44 -1.01 -2.84 0.39 -3.28 -5.13 11
Changes in Operating Assets and Liabilities, net		 1.00 1.64 -0.32 -14 -2.28 -2.86 3.88 -5.45 -3.25 4.13 2.30
Net Cash From Investing Activities		 -39 -26 -64 -54 -58 -201 -193 -331 -130 17 -0.97
Net Cash From Continuing Investing Activities		 -39 -26 -64 -54 -58 -201 -193 -331 -130 17 -0.97
Purchase of Property, Leasehold Improvements and Equipment		 -2.88 -0.26 -0.37 -0.43 -1.31 -0.46 -249 -0.84 -1.07 -1.02 -1.41
Purchase of Investment Securities		 -60 -62 -96 -77 -95 -93 -113 -36 -11 -7.49 -103
Sale of Property, Leasehold Improvements and Equipment		 0.01 - 0.00 0.00 0.28 -191 0.00 0.03 0.04 7.67 0.04
Sale and/or Maturity of Investments		 24 36 32 24 38 83 169 199 125 25 134
Other Investing Activities, net		 - - - - - - 0.00 -493 -243 -7.36 -30
Net Cash From Financing Activities		 20 29 55 38 62 237 161 320 195 19 -0.75
Net Cash From Continuing Financing Activities		 20 29 55 38 62 237 161 320 195 19 -0.75
Net Change in Deposits		 47 53 60 40 68 242 164 87 242 69 32
Issuance of Common Equity		 0.19 0.08 0.17 0.16 0.14 0.23 0.18 0.16 0.13 0.00 54
Repayment of Debt		 -25 -20 - - - - - 0.00 -43 -45 -80
Repurchase of Common Equity		 0.00 -2.14 -1.56 -1.26 -1.77 - -0.15 -0.15 -0.30 -0.24 -0.35
Payment of Dividends		 -2.06 -2.35 -2.65 -2.78 -3.00 -3.20 -3.26 -3.81 -4.23 -4.30 -6.11
Cash Interest Paid		 1.44 1.10 1.14 2.46 4.20 3.35 1.68 4.56 31 40 37
Cash Income Taxes Paid		 0.58 - 2.74 2.16 0.00 2.62 2.82 4.37 2.07 0.08 2.01

Quarterly Cash Flow Statements for Eagle Financial Services

This table details how cash moves in and out of Eagle Financial Services' business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026
Net Change in Cash & Equivalents		 -3.69 -11 -3.98 58 12 72 131 -128 -51 -27 -46
Net Cash From Operating Activities		 -6.01 6.75 -1.82 7.51 6.32 5.80 2.57 8.21 9.18 4.30 -13
Net Cash From Continuing Operating Activities		 -6.01 6.75 -1.82 7.51 6.32 5.80 2.57 8.21 9.18 4.30 -13
Net Income / (Loss) Continuing Operations		 2.40 2.55 3.19 3.42 6.19 -6.97 5.27 5.58 4.33 3.74 4.98
Consolidated Net Income / (Loss)		 2.40 2.55 3.19 3.42 6.19 -6.97 5.27 5.58 4.33 3.74 4.98
Provision For Loan Losses		 0.37 0.48 0.31 1.53 0.35 1.23 0.86 1.13 0.57 1.96 3.50
Depreciation Expense		 0.26 0.25 0.25 0.24 0.24 0.20 0.19 0.19 0.20 0.20 0.22
Amortization Expense		 0.46 0.22 0.13 0.32 0.21 0.27 0.04 -0.12 -0.45 0.03 -0.08
Non-Cash Adjustments to Reconcile Net Income		 0.58 0.10 -1.73 -1.23 -2.27 12 -0.11 -0.12 -0.85 -0.26 -4.15
Changes in Operating Assets and Liabilities, net		 -10 3.16 -3.97 3.23 1.60 -1.03 -3.68 1.54 5.38 -1.37 -17
Net Cash From Investing Activities		 -25 26 -5.68 -31 28 30 2.30 -23 -11 19 -35
Net Cash From Continuing Investing Activities		 -25 26 -5.68 -31 28 30 2.30 -23 -11 19 -35
Purchase of Property, Leasehold Improvements and Equipment		 0.06 -0.09 -0.42 -0.23 -0.27 -0.54 -0.26 -0.38 -0.23 -0.21 -0.28
Purchase of Investment Securities		 -6.41 -1.29 -0.02 -1.19 -5.00 -81 -15 -11 -0.50 4.26 -43
Sale and/or Maturity of Investments		 6.48 4.17 4.39 5.63 11 112 4.81 13 4.19 15 8.05
Net Cash From Financing Activities		 27 -43 3.52 81 -22 36 126 -113 -49 -51 2.05
Net Cash From Continuing Financing Activities		 27 -43 3.52 81 -22 36 126 -113 -49 -51 2.05
Net Change in Deposits		 7.94 -32 15 57 29 39 153 -111 -48 -9.14 3.72
Payment of Dividends		 -1.06 -1.07 -1.07 -1.06 -1.10 -1.11 -1.67 -1.67 -1.67 -1.68 -1.68
Cash Interest Paid		 9.32 9.92 9.11 11 10 11 9.55 9.10 8.01 8.45 7.10
Cash Income Taxes Paid		 0.36 0.00 - 0.08 - 0.00 1.20 0.39 0.43 0.03 0.39

Annual Balance Sheets for Eagle Financial Services

This table presents Eagle Financial Services' assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 653 700 766 800 877 1,130 1,303 1,617 1,826 1,866 1,889
Cash and Due from Banks		 11 13 11 12 11 13 15 17 15 13 14
Federal Funds Sold		 0.00 0.16 3.18 0.00 0.25 0.22 0.23 0.36 26 17 99
Interest Bearing Deposits at Other Banks		 12 23 22 6.00 22 67 49 50 97 163 104
Trading Account Securities		 106 119 133 144 165 165 192 149 137 121 120
Loans and Leases, Net of Allowance		 491 512 564 601 640 829 977 1,313 1,448 1,452 1,458
Loans and Leases		 496 517 569 607 645 836 986 1,324 1,463 1,467 1,473
Allowance for Loan and Lease Losses		 4.96 4.51 4.41 5.46 4.97 7.10 8.79 11 14 15 15
Loans Held for Sale		 - - - - - 0.00 0.88 0.15 1.66 2.66 4.79
Premises and Equipment, Net		 21 20 20 19 19 19 18 18 18 14 15
Other Assets		 13 13 13 17 20 37 51 70 82 83 74
Total Liabilities & Shareholders' Equity		 653 700 766 800 877 1,130 1,303 1,617 1,826 1,866 1,889
Total Liabilities		 575 621 682 712 781 1,025 1,193 1,515 1,717 1,747 1,700
Non-Interest Bearing Deposits		 186 209 235 251 269 408 470 479 437 406 432
Interest Bearing Deposits		 365 395 428 452 502 606 707 785 1,070 1,169 1,175
Federal Funds Purchased and Securities Sold		 - - 0.00 1.87 - - 0.00 33 0.00 0.00 0.00
Long-Term Debt		 20 - - - - - 0.00 29 174 125 70
Other Long-Term Liabilities		 4.33 17 19 7.04 9.45 12 16 14 16 23 23
Commitments & Contingencies		 - - - - 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 78 79 84 88 96 105 110 102 108 119 189
Total Preferred & Common Equity		 78 79 84 88 96 105 110 102 108 119 189
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 78 79 84 88 96 105 110 102 108 119 189
Common Stock		 22 21 21 21 20 19 21 22 23 24 78
Retained Earnings		 55 58 63 69 75 83 90 100 103 114 116
Accumulated Other Comprehensive Income / (Loss)		 1.05 -0.02 0.31 -1.55 1.48 3.28 -0.16 -20 -18 -19 -5.26

Quarterly Balance Sheets for Eagle Financial Services

This table presents Eagle Financial Services' assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026 Q2 2026
Period end date 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026 6/30/2026
Total Assets		 1,801 1,783 1,790 1,882 1,904 2,035 1,932 1,838 1,847
Cash and Due from Banks		 14 13 15 15 17 17 16 15 18
Federal Funds Sold		 79 59 62 3.59 61 118 63 80 55
Interest Bearing Deposits at Other Banks		 49 55 46 162 187 261 189 95 71
Trading Account Securities		 134 132 129 130 110 121 121 115 112
Loans and Leases, Net of Allowance		 1,426 1,425 1,434 1,468 1,437 1,423 1,445 1,442 1,481
Loans and Leases		 1,441 1,439 1,449 1,483 1,452 1,439 1,460 1,459 1,499
Allowance for Loan and Lease Losses		 15 14 15 15 15 16 15 17 18
Loans Held for Sale		 3.56 1.59 3.06 3.66 3.17 3.30 3.48 5.21 5.97
Premises and Equipment, Net		 18 18 18 18 15 15 15 15 15
Other Assets		 77 79 82 81 75 78 79 72 89
Total Liabilities & Shareholders' Equity		 1,801 1,783 1,790 1,882 1,904 2,035 1,932 1,838 1,847
Total Liabilities		 1,700 1,675 1,679 1,764 1,728 1,855 1,747 1,648 1,653
Non-Interest Bearing Deposits		 431 425 415 414 421 575 521 455 463
Interest Bearing Deposits		 1,067 1,049 1,074 1,132 1,192 1,192 1,134 1,143 1,139
Federal Funds Purchased and Securities Sold		 0.00 0.35 0.30 0.24 0.00 0.17 0.10 - 0.01
Long-Term Debt		 174 174 174 199 70 70 70 30 30
Other Long-Term Liabilities		 27 16 16 18 20 19 22 20 22
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 101 108 111 118 176 180 186 190 194
Total Preferred & Common Equity		 101 108 111 118 176 180 186 190 194
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 101 108 111 118 176 180 186 190 194
Common Stock		 23 23 23 23 77 77 78 78 79
Retained Earnings		 102 104 107 109 106 110 113 118 121
Accumulated Other Comprehensive Income / (Loss)		 -24 -20 -19 -14 -6.63 -7.30 -5.59 -5.97 -6.08

Annual Metrics And Ratios for Eagle Financial Services

This table displays calculated financial ratios and metrics derived from Eagle Financial Services' official financial filings.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
DEI Shares Outstanding		 3,508,831.00 3,481,749.00 3,451,962.00 3,473,833.00 3,432,912.00 3,416,013.00 3,449,919.00 3,490,171.00 3,520,894.00 - 5,376,346.00
DEI Adjusted Shares Outstanding		 3,508,831.00 3,481,749.00 3,451,962.00 3,473,833.00 3,432,912.00 3,416,013.00 3,449,919.00 3,490,171.00 3,520,894.00 - 5,376,346.00
DEI Earnings Per Adjusted Shares Outstanding		 1.97 1.83 2.26 2.59 2.84 3.27 3.19 4.16 2.66 - 1.53
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 6.91% -0.62% 16.53% 6.49% 0.07% 13.42% 18.35% 19.57% 3.96% 11.91% -4.52%
EBITDA Growth		 3.44% -1.55% 49.75% -6.50% -8.32% 16.28% 0.94% 28.67% -35.50% 59.45% -49.73%
EBIT Growth		 1.32% -4.36% 57.01% -7.38% -10.84% 15.03% -3.91% 38.20% -39.83% 77.76% -47.49%
NOPAT Growth		 -3.40% -7.64% 22.23% 15.60% 8.42% 14.48% -1.35% 31.76% -35.56% 63.97% -46.46%
Net Income Growth		 -3.40% -7.64% 22.23% 15.60% 8.42% 14.48% -1.35% 31.76% -35.56% 63.97% -46.46%
EPS Growth		 -5.29% -8.12% 23.76% 16.07% 9.23% 15.14% -2.14% 30.31% -36.21% 62.41% -63.19%
Operating Cash Flow Growth		 -1.31% 35.40% -3.43% -116.26% 845.11% -3.01% 49.55% -16.07% -50.23% 172.90% 37.27%
Free Cash Flow Firm Growth		 267.43% -13.26% -86.55% 54.18% -80.23% 134.88% 139.89% -3,217.88% 106.97% 292.94% -63.16%
Invested Capital Growth		 -18.39% -19.15% 5.54% 4.51% 9.96% 9.08% 4.95% 177.57% -1.07% -11.33% -3.75%
Revenue Q/Q Growth		 -1.93% 2.05% 11.02% 0.83% -4.91% 6.16% 4.23% 3.12% -0.62% 9.11% -0.41%
EBITDA Q/Q Growth		 -7.79% 10.44% 22.69% -2.04% -10.97% 1.69% -6.60% 8.62% -11.09% 36.47% -24.06%
EBIT Q/Q Growth		 -9.26% 11.22% 26.41% -2.56% -13.26% 1.12% -9.05% 9.93% -12.87% 44.47% -20.79%
NOPAT Q/Q Growth		 -13.53% 7.60% -1.21% 4.30% 8.33% -2.83% -1.98% 6.72% -7.89% 32.82% -18.40%
Net Income Q/Q Growth		 -13.53% 7.60% -1.21% 4.30% 8.33% -2.83% -1.98% 6.72% -7.89% 32.82% -18.40%
EPS Q/Q Growth		 -14.35% 8.38% -1.32% 4.42% 8.81% -2.68% -2.44% 6.65% -7.96% 32.11% -28.70%
Operating Cash Flow Q/Q Growth		 -7.54% 16.80% 2,846.92% -118.58% -4.15% 4.12% 23.82% 17.34% -68.16% 191.56% 12.51%
Free Cash Flow Firm Q/Q Growth		 228.15% -23.30% -32.80% -29.00% 109.56% -80.20% 9.20% -128.20% 120.19% 264.59% -74.68%
Invested Capital Q/Q Growth		 -8.72% -1.60% 0.32% 3.26% -7.94% 1.15% 0.44% 50.90% 9.87% -15.39% 1.28%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 33.50% 33.19% 42.65% 37.45% 34.31% 35.17% 30.00% 32.28% 20.03% 28.54% 15.02%
EBIT Margin		 29.54% 28.43% 38.30% 33.32% 29.68% 30.10% 24.44% 28.25% 16.35% 25.97% 14.28%
Profit (Net Income) Margin		 21.84% 20.30% 21.29% 23.11% 25.04% 25.27% 21.07% 23.21% 14.39% 21.08% 11.82%
Tax Burden Percent		 73.92% 71.39% 68.23% 87.26% 84.35% 83.95% 86.19% 82.17% 88.00% 81.18% 82.76%
Interest Burden Percent		 100.00% 100.00% 81.46% 79.49% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 26.08% 28.61% 31.77% 12.74% 15.65% 16.05% 13.81% 17.83% 12.00% 18.82% 17.24%
Return on Invested Capital (ROIC)		 6.31% 7.17% 9.54% 10.50% 10.61% 11.09% 10.24% 6.97% 3.07% 5.37% 3.12%
ROIC Less NNEP Spread (ROIC-NNEP)		 6.31% 7.17% 0.00% 0.00% 0.00% 0.00% 0.00% 6.97% 3.07% 5.37% 3.12%
Return on Net Nonoperating Assets (RNNOA)		 2.80% 0.91% 0.00% 0.00% 0.00% 0.00% 0.00% 6.72% 5.83% 8.13% 2.22%
Return on Equity (ROE)		 9.11% 8.08% 0.00% 0.00% 0.00% 0.00% 0.00% 13.70% 8.91% 13.50% 5.34%
Cash Return on Invested Capital (CROIC)		 26.56% 28.34% 4.15% 6.09% 1.12% 2.41% 5.40% -87.09% 4.15% 17.39% 6.94%
Operating Return on Assets (OROA)		 1.45% 1.32% 1.91% 1.66% 1.38% 1.33% 1.05% 1.21% 0.62% 1.02% 0.53%
Return on Assets (ROA)		 1.07% 0.94% 1.06% 1.15% 1.16% 1.11% 0.91% 0.99% 0.54% 0.83% 0.44%
Return on Common Equity (ROCE)		 9.11% 8.08% 0.00% 0.00% 0.00% 0.00% 0.00% 13.70% 8.91% 13.50% 5.34%
Return on Equity Simple (ROE_SIMPLE)		 8.82% 8.02% 9.29% 10.28% 10.13% 10.63% 9.99% 14.27% 8.63% 12.89% 4.35%
Net Operating Profit after Tax (NOPAT)		 6.90 6.37 7.79 9.00 9.76 11 11 15 9.36 15 8.21
NOPAT Margin		 21.84% 20.30% 21.29% 23.11% 25.04% 25.27% 21.07% 23.21% 14.39% 21.08% 11.82%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 50.47% 53.03% 47.71% 45.47% 48.29% 49.86% 49.73% 48.99% 55.85% 49.32% 57.20%
Operating Expenses to Revenue		 71.18% 72.17% 63.40% 64.69% 68.70% 66.60% 72.73% 68.83% 81.12% 70.53% 80.39%
Earnings before Interest and Taxes (EBIT)		 9.33 8.92 14 13 12 13 13 18 11 19 9.93
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 11 10 16 15 13 16 16 20 13 21 10
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.77 0.89 1.06 1.01 0.95 0.85 1.00 1.19 0.94 1.63 1.12
Price to Tangible Book Value (P/TBV)		 0.77 0.89 1.06 1.01 0.95 0.85 1.00 1.19 0.94 1.63 1.12
Price to Revenue (P/Rev)		 1.91 2.25 2.44 2.27 2.34 2.03 2.11 1.93 1.56 2.67 3.05
Price to Earnings (P/E)		 8.76 11.08 8.58 7.59 9.34 8.02 10.02 8.32 10.87 12.65 25.80
Dividend Yield		 2.31% 2.00% 1.71% 1.88% 1.89% 2.98% 2.58% 0.87% 4.20% 3.35% 2.38%
Earnings Yield		 11.41% 9.03% 11.65% 13.18% 10.71% 12.46% 9.98% 12.02% 9.20% 7.90% 3.88%
Enterprise Value to Invested Capital (EV/IC)		 0.58 0.44 0.64 0.80 0.60 0.09 0.42 0.84 0.52 0.56 0.25
Enterprise Value to Revenue (EV/Rev)		 1.81 1.12 1.46 1.80 1.48 0.22 0.89 4.13 2.43 2.07 0.93
Enterprise Value to EBITDA (EV/EBITDA)		 5.41 3.39 3.41 4.81 4.30 0.63 2.96 12.79 12.12 7.24 6.16
Enterprise Value to EBIT (EV/EBIT)		 6.13 3.95 3.80 5.41 4.97 0.73 3.63 14.62 14.84 7.96 6.48
Enterprise Value to NOPAT (EV/NOPAT)		 8.29 5.54 6.84 7.79 5.89 0.87 4.21 17.79 16.87 9.81 7.83
Enterprise Value to Operating Cash Flow (EV/OCF)		 7.99 3.64 5.68 0.00 5.07 0.88 2.82 18.70 22.96 8.02 2.50
Enterprise Value to Free Cash Flow (EV/FCFF)		 1.97 1.40 15.73 13.44 55.72 4.01 7.98 0.00 12.49 3.03 3.51
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.26 0.00 0.00 0.00 0.00 0.00 0.00 2.01 1.79 1.26 0.37
Long-Term Debt to Equity		 0.26 0.00 0.00 0.00 0.00 0.00 0.00 0.29 1.61 1.05 0.37
Financial Leverage		 0.44 0.13 0.00 0.00 0.00 0.00 0.00 0.96 1.90 1.51 0.71
Leverage Ratio		 8.48 8.59 8.98 9.13 9.12 9.97 11.30 13.77 16.38 16.24 12.20
Compound Leverage Factor		 8.48 8.59 7.32 7.26 9.12 9.97 11.30 13.77 16.38 16.24 12.20
Debt to Total Capital		 20.36% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 66.77% 64.21% 55.68% 26.93%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 57.17% 6.60% 9.31% 0.00%
Long-Term Debt to Total Capital		 20.36% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 9.60% 57.61% 46.37% 26.93%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 79.64% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 33.23% 35.79% 44.32% 73.08%
Debt to EBITDA		 1.89 0.00 0.00 0.00 0.00 0.00 0.00 10.12 14.93 7.20 6.66
Net Debt to EBITDA		 -0.30 0.00 0.00 0.00 0.00 0.00 0.00 6.81 4.31 -2.10 -14.14
Long-Term Debt to EBITDA		 1.89 0.00 0.00 0.00 0.00 0.00 0.00 1.45 13.39 6.00 6.66
Debt to NOPAT		 2.90 0.00 0.00 0.00 0.00 0.00 0.00 14.07 20.78 9.74 8.47
Net Debt to NOPAT		 -0.47 0.00 0.00 0.00 0.00 0.00 0.00 9.47 5.99 -2.84 -17.97
Long-Term Debt to NOPAT		 2.90 0.00 0.00 0.00 0.00 0.00 0.00 2.02 18.64 8.12 8.47
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 29 25 3.39 5.22 1.03 2.42 5.82 -181 13 50 18
Operating Cash Flow to CapEx		 249.79% 3,774.32% 2,545.38% -352.55% 1,096.43% 5.74% 6.61% 1,716.02% 666.18% 0.00% 1,885.36%
Free Cash Flow to Firm to Interest Expense		 21.55 23.59 2.93 2.08 0.24 0.74 3.47 -33.13 0.38 1.24 0.50
Operating Cash Flow to Interest Expense		 5.32 9.09 8.12 -0.61 2.68 3.35 9.81 2.52 0.21 0.47 0.71
Operating Cash Flow Less CapEx to Interest Expense		 3.19 8.85 7.80 -0.78 2.43 -55.12 -138.74 2.38 0.18 0.63 0.67
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.05 0.05 0.05 0.05 0.05 0.04 0.04 0.04 0.04 0.04 0.04
Fixed Asset Turnover		 1.58 1.53 1.84 2.01 2.03 2.33 2.83 3.45 3.60 4.49 4.75
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 98 79 84 88 96 105 110 306 303 268 258
Invested Capital Turnover		 0.29 0.35 0.45 0.45 0.42 0.44 0.49 0.30 0.21 0.25 0.26
Increase / (Decrease) in Invested Capital		 -22 -19 4.40 3.78 8.73 8.75 5.21 196 -3.28 -34 -10
Enterprise Value (EV)		 57 35 53 70 57 9.72 46 258 158 150 64
Market Capitalization		 60 71 89 89 91 90 110 121 102 194 212
Book Value per Share		 $22.29 $22.81 $24.28 $25.22 $28.06 $30.76 $31.97 $29.15 $30.78 $33.52 $35.12
Tangible Book Value per Share		 $22.29 $22.81 $24.28 $25.22 $28.06 $30.76 $31.97 $29.15 $30.78 $33.52 $35.12
Total Capital		 98 79 84 88 96 105 110 306 303 268 258
Total Debt		 20 0.00 0.00 0.00 0.00 0.00 0.00 204 194 150 70
Total Long-Term Debt		 20 0.00 0.00 0.00 0.00 0.00 0.00 29 174 125 70
Net Debt		 -3.22 -35 -36 -18 -34 -80 -64 137 56 -44 -148
Capital Expenditures (CapEx)		 2.87 0.26 0.37 0.43 1.04 192 249 0.81 1.03 -6.65 1.37
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 20 0.00 0.00 0.00 0.00 0.00 0.00 204 194 150 70
Total Depreciation and Amortization (D&A)		 1.25 1.49 1.59 1.61 1.80 2.24 2.91 2.52 2.39 1.87 0.52
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.97 $1.81 $2.24 $2.60 $2.84 $3.27 $3.20 $4.17 $2.66 $4.32 $1.59
Adjusted Weighted Average Basic Shares Outstanding		 3.54M 3.48M 3.47M 3.46M 3.44M 3.43M 3.48M 3.52M 3.56M 5.38M 5.41M
Adjusted Diluted Earnings per Share		 $1.97 $1.81 $2.24 $2.60 $2.84 $3.27 $3.20 $4.17 $2.66 $4.32 $1.59
Adjusted Weighted Average Diluted Shares Outstanding		 3.54M 3.48M 3.47M 3.46M 3.44M 3.43M 3.48M 3.52M 3.56M 5.38M 5.41M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 3.54M 3.48M 3.47M 3.46M 3.44M 3.43M 3.48M 3.52M 3.56M 5.38M 5.41M
Normalized Net Operating Profit after Tax (NOPAT)		 6.86 6.43 7.79 9.76 10 11 11 15 9.35 15 8.26
Normalized NOPAT Margin		 21.73% 20.50% 21.29% 25.05% 26.00% 25.00% 21.40% 23.21% 14.38% 21.08% 11.88%
Pre Tax Income Margin		 29.54% 28.43% 31.20% 26.48% 29.68% 30.10% 24.44% 28.25% 16.35% 25.97% 14.28%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 6.93 8.36 12.14 5.16 2.73 4.06 7.62 3.23 0.32 0.47 0.27
NOPAT to Interest Expense		 5.12 5.97 6.75 3.58 2.30 3.41 6.57 2.65 0.29 0.38 0.23
EBIT Less CapEx to Interest Expense		 4.80 8.12 11.82 4.99 2.49 -54.42 -140.92 3.08 0.29 0.64 0.24
NOPAT Less CapEx to Interest Expense		 2.99 5.73 6.43 3.41 2.06 -55.07 -141.98 2.51 0.25 0.55 0.19
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 29.93% 36.95% 34.06% 30.84% 30.70% 28.63% 29.59% 26.22% 45.20% 28.02% 74.40%
Augmented Payout Ratio		 29.93% 70.60% 54.15% 44.85% 48.85% 28.63% 30.94% 27.28% 48.42% 29.56% 78.63%

Quarterly Metrics And Ratios for Eagle Financial Services

This table displays calculated financial ratios and metrics derived from Eagle Financial Services' official financial filings.

Metric Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026
DEI Shares Outstanding		 3,520,894.00 3,557,229.00 7,113,688.00 7,101,160.00 - 5,378,653.00 5,378,362.00 5,376,346.00 5,376,346.00 5,412,376.00 5,412,376.00
DEI Adjusted Shares Outstanding		 3,520,894.00 3,557,229.00 7,113,688.00 7,101,160.00 - 5,378,653.00 5,378,362.00 5,376,346.00 5,376,346.00 5,412,376.00 5,412,376.00
DEI Earnings Per Adjusted Shares Outstanding		 0.68 0.72 0.45 0.48 - -1.30 0.98 1.04 0.81 0.69 0.92
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -2.47% -1.70% 4.19% 7.49% 38.13% -69.92% 25.24% 21.49% -1.29% 335.61% 23.99%
EBITDA Growth		 -35.04% -7.33% 42.42% 37.40% 184.20% -343.98% 63.28% 53.80% -38.62% 157.00% -1.68%
EBIT Growth		 -40.63% -2.47% 54.44% 43.16% 253.40% -397.08% 73.69% 73.83% -32.11% 151.53% -0.34%
NOPAT Growth		 -25.09% -1.43% 54.76% 47.65% 158.29% -348.35% 65.46% 63.08% -29.94% 159.10% -5.48%
Net Income Growth		 -25.09% -1.43% 54.76% 47.65% 158.29% -373.70% 65.46% 63.08% -29.94% 153.63% -5.48%
EPS Growth		 -25.00% -1.37% 53.45% 46.97% 152.17% -312.50% 10.11% 7.22% -36.78% 145.10% -6.12%
Operating Cash Flow Growth		 -169.08% 3,056.07% 24.22% -50.16% 205.04% -14.13% 240.91% 9.26% 45.34% -25.93% -588.04%
Free Cash Flow Firm Growth		 102.95% 129.22% 112.16% 45.62% 613.46% -76.91% 98.68% 276.95% -64.42% 269.57% -26.43%
Invested Capital Growth		 -1.07% -17.43% -5.86% 15.14% -11.33% -7.24% -12.75% -19.60% -3.75% -18.85% -10.30%
Revenue Q/Q Growth		 -6.91% -0.29% 3.56% 11.83% 19.62% -78.28% 331.10% 8.48% -2.81% -4.16% 22.70%
EBITDA Q/Q Growth		 -8.84% 16.66% 18.07% 9.42% 88.57% -200.15% 179.01% 3.07% -24.74% -7.00% 36.29%
EBIT Q/Q Growth		 -17.29% 32.53% 23.89% 5.41% 104.18% -211.41% 172.43% 5.50% -20.25% -15.45% 40.10%
NOPAT Q/Q Growth		 3.28% 6.39% 25.00% 7.50% 80.67% -202.30% 183.28% 5.96% -22.39% -13.71% 33.18%
Net Income Q/Q Growth		 3.28% 6.39% 25.00% 7.50% 80.67% -212.74% 175.57% 5.96% -22.39% -13.71% 33.18%
EPS Q/Q Growth		 4.55% 4.35% 23.61% 8.99% 79.38% -187.93% 164.05% 6.12% 5.77% -37.27% 33.33%
Operating Cash Flow Q/Q Growth		 -139.88% 212.34% -126.96% 512.63% -15.96% -8.16% -55.76% 219.95% 11.79% -53.19% -391.50%
Free Cash Flow Firm Q/Q Growth		 108.06% 1,031.31% -67.35% -282.63% 205.76% -63.38% 180.91% 62.66% -78.73% 280.31% -44.08%
Invested Capital Q/Q Growth		 9.87% -3.52% -2.25% 11.12% -15.39% 0.93% -8.05% 2.39% 1.28% -14.90% 1.64%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 18.90% 22.11% 25.21% 24.67% 38.89% -179.34% 32.87% 31.23% 24.18% 23.47% 26.06%
EBIT Margin		 14.40% 19.14% 22.90% 21.59% 36.85% -189.04% 31.76% 30.89% 25.35% 22.36% 25.53%
Profit (Net Income) Margin		 15.02% 16.03% 19.35% 18.60% 28.09% -145.84% 25.56% 24.97% 19.94% 17.95% 19.49%
Tax Burden Percent		 104.31% 83.73% 84.48% 86.16% 76.24% 77.15% 80.48% 80.83% 78.67% 80.29% 76.33%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 -4.31% 16.27% 15.52% 13.84% 23.76% 0.00% 19.52% 19.17% 21.33% 19.71% 23.67%
Return on Invested Capital (ROIC)		 3.21% 3.21% 4.30% 4.19% 7.16% -28.98% 6.29% 6.09% 5.26% 6.26% 7.46%
ROIC Less NNEP Spread (ROIC-NNEP)		 3.21% 3.21% 4.30% 4.19% 7.16% -29.45% 6.29% 6.09% 5.26% 6.26% 7.46%
Return on Net Nonoperating Assets (RNNOA)		 6.09% 6.57% 7.47% 7.14% 10.83% -28.91% 5.28% 5.40% 3.74% 2.12% 1.98%
Return on Equity (ROE)		 9.30% 9.79% 11.77% 11.33% 17.99% -57.89% 11.57% 11.48% 9.00% 8.37% 9.44%
Cash Return on Invested Capital (CROIC)		 4.15% 21.98% 9.59% -10.18% 17.39% 9.58% 16.57% 25.25% 6.94% 28.52% 18.75%
Operating Return on Assets (OROA)		 0.54% 0.70% 0.84% 0.78% 1.45% -6.32% 1.09% 1.13% 0.94% 1.02% 1.19%
Return on Assets (ROA)		 0.57% 0.59% 0.71% 0.67% 1.11% -4.88% 0.88% 0.91% 0.74% 0.82% 0.91%
Return on Common Equity (ROCE)		 9.30% 9.79% 11.77% 11.33% 17.99% -57.89% 11.57% 11.48% 9.00% 8.37% 9.44%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 8.65% 9.40% 9.80% 0.00% 3.30% 4.40% 5.42% 0.00% 9.95% 9.61%
Net Operating Profit after Tax (NOPAT)		 2.40 2.55 3.19 3.42 6.19 -6.33 5.27 5.58 4.33 3.74 4.98
NOPAT Margin		 15.02% 16.03% 19.35% 18.60% 28.09% -132.33% 25.56% 24.97% 19.94% 17.95% 19.49%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.46% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 59.05% 54.09% 52.79% 48.77% 43.75% 182.54% 45.21% 47.18% 51.29% 47.53% 43.01%
Operating Expenses to Revenue		 83.30% 77.87% 76.00% 70.02% 61.56% 263.26% 65.00% 64.14% 71.49% 68.23% 60.76%
Earnings before Interest and Taxes (EBIT)		 2.30 3.04 3.77 3.97 8.11 -9.04 6.55 6.91 5.51 4.66 6.53
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 3.01 3.52 4.15 4.54 8.56 -8.58 6.78 6.98 5.26 4.89 6.66
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.94 0.95 0.94 0.88 1.63 0.96 0.91 1.09 1.12 0.99 1.15
Price to Tangible Book Value (P/TBV)		 0.94 0.95 0.94 0.88 1.63 0.96 0.91 1.09 1.12 0.99 1.15
Price to Revenue (P/Rev)		 1.56 1.58 1.60 1.55 2.67 2.74 2.48 2.89 3.05 2.20 2.46
Price to Earnings (P/E)		 10.87 10.97 10.00 8.96 12.65 28.98 20.63 20.03 25.80 9.92 11.95
Dividend Yield		 4.20% 4.17% 0.00% 0.00% 3.35% 0.00% 1.02% 1.65% 2.38% 3.57% 3.01%
Earnings Yield		 9.20% 9.12% 10.00% 11.16% 7.90% 3.45% 4.85% 4.99% 3.88% 10.08% 8.37%
Enterprise Value to Invested Capital (EV/IC)		 0.52 0.54 0.54 0.38 0.56 0.00 0.00 0.01 0.25 0.13 0.48
Enterprise Value to Revenue (EV/Rev)		 2.43 2.46 2.37 1.83 2.07 0.00 0.00 0.04 0.93 0.32 1.20
Enterprise Value to EBITDA (EV/EBITDA)		 12.12 12.48 11.10 8.01 7.24 0.00 0.00 0.22 6.16 1.15 4.55
Enterprise Value to EBIT (EV/EBIT)		 14.84 15.07 13.06 9.31 7.96 0.00 0.00 0.25 6.48 1.17 4.59
Enterprise Value to NOPAT (EV/NOPAT)		 16.87 17.07 14.86 10.55 9.81 0.00 0.00 0.31 7.83 1.46 5.81
Enterprise Value to Operating Cash Flow (EV/OCF)		 22.96 11.86 11.09 18.93 8.02 0.00 0.00 0.13 2.50 1.14 11.82
Enterprise Value to Free Cash Flow (EV/FCFF)		 12.49 2.24 5.50 0.00 3.03 0.00 0.00 0.04 3.51 0.39 2.44
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 1.79 1.71 1.57 1.69 1.26 0.54 0.39 0.37 0.37 0.16 0.15
Long-Term Debt to Equity		 1.61 1.62 1.57 1.69 1.05 0.39 0.39 0.37 0.37 0.16 0.15
Financial Leverage		 1.90 2.04 1.74 1.71 1.51 0.98 0.84 0.89 0.71 0.34 0.27
Leverage Ratio		 16.38 16.68 16.58 16.82 16.24 12.98 13.16 12.57 12.20 10.20 10.39
Compound Leverage Factor		 16.38 16.68 16.58 16.82 16.24 12.98 13.16 12.57 12.20 10.20 10.39
Debt to Total Capital		 64.21% 63.14% 61.09% 62.86% 55.68% 34.88% 27.91% 27.26% 26.93% 13.46% 13.25%
Short-Term Debt to Total Capital		 6.60% 3.42% 0.00% 0.00% 9.31% 9.23% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 57.61% 59.71% 61.09% 62.86% 46.37% 25.66% 27.91% 27.26% 26.93% 13.46% 13.25%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 35.79% 36.86% 38.91% 37.14% 44.32% 65.12% 72.09% 72.74% 73.08% 86.54% 86.75%
Debt to EBITDA		 14.93 14.47 12.48 13.11 7.20 10.89 6.15 5.06 6.66 1.24 1.24
Net Debt to EBITDA		 4.31 4.46 3.63 1.20 -2.10 -19.64 -28.88 -14.44 -14.14 -6.70 -4.81
Long-Term Debt to EBITDA		 13.39 13.69 12.48 13.11 6.00 8.01 6.15 5.06 6.66 1.24 1.24
Debt to NOPAT		 20.78 19.79 16.70 17.27 9.74 16.24 8.80 6.91 8.47 1.56 1.59
Net Debt to NOPAT		 5.99 6.10 4.86 1.58 -2.84 -29.28 -41.29 -19.73 -17.97 -8.46 -6.14
Long-Term Debt to NOPAT		 18.64 18.72 16.70 17.27 8.12 11.94 8.80 6.91 8.47 1.56 1.59
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 5.68 64 21 -38 41 15 42 68 14 55 31
Operating Cash Flow to CapEx		 0.00% 7,185.11% -432.54% 3,252.81% 0.00% 1,160.00% 990.73% 2,160.53% 4,043.17% 2,055.50% -4,440.78%
Free Cash Flow to Firm to Interest Expense		 0.58 6.77 2.19 -3.64 3.86 1.46 4.57 7.76 1.72 6.92 4.14
Operating Cash Flow to Interest Expense		 -0.62 0.71 -0.19 0.71 0.60 0.57 0.28 0.94 1.10 0.54 -1.69
Operating Cash Flow Less CapEx to Interest Expense		 -0.61 0.70 -0.23 0.69 1.31 0.52 0.25 0.90 1.07 0.52 -1.73
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.04 0.04 0.03 0.03 0.04 0.04 0.05 0.05
Fixed Asset Turnover		 3.60 3.62 3.62 3.65 4.49 3.79 4.01 4.23 4.75 5.79 6.10
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 303 292 286 317 268 271 249 255 258 220 224
Invested Capital Turnover		 0.21 0.20 0.22 0.23 0.25 0.22 0.25 0.24 0.26 0.35 0.38
Increase / (Decrease) in Invested Capital		 -3.28 -62 -18 42 -34 -21 -36 -62 -10 -51 -26
Enterprise Value (EV)		 158 159 155 122 150 -1.74 -163 3.08 64 28 108
Market Capitalization		 102 102 104 104 194 169 163 202 212 188 223
Book Value per Share		 $30.78 $30.28 $31.24 $33.19 $33.52 $49.72 $33.40 $34.52 $35.12 $35.17 $35.83
Tangible Book Value per Share		 $30.78 $30.28 $31.24 $33.19 $33.52 $49.72 $33.40 $34.52 $35.12 $35.17 $35.83
Total Capital		 303 292 286 317 268 271 249 255 258 220 224
Total Debt		 194 184 174 199 150 95 70 70 70 30 30
Total Long-Term Debt		 174 174 174 199 125 70 70 70 70 30 30
Net Debt		 56 57 51 18 -44 -170 -326 -199 -148 -160 -114
Capital Expenditures (CapEx)		 -0.06 0.09 0.42 0.23 -7.40 0.50 0.26 0.38 0.23 0.21 0.28
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.65 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 194 184 174 199 150 95 70 70 70 30 30
Total Depreciation and Amortization (D&A)		 0.72 0.47 0.38 0.57 0.45 0.46 0.23 0.08 -0.25 0.23 0.14
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.69 $0.00 $0.00 $0.00 $1.74 ($1.53) $0.98 $1.04 $1.10 $0.69 $0.92
Adjusted Weighted Average Basic Shares Outstanding		 3.56M 0.00 0.00 0.00 5.38M 5.38M 5.38M 5.38M 5.41M 5.41M 5.41M
Adjusted Diluted Earnings per Share		 $0.69 $0.00 $0.00 $0.00 $1.74 ($1.53) $0.98 $1.04 $1.10 $0.69 $0.92
Adjusted Weighted Average Diluted Shares Outstanding		 3.56M 0.00 0.00 0.00 5.38M 5.38M 5.38M 5.38M 5.41M 5.41M 5.41M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 3.56M 0.00 0.00 0.00 5.38M 5.38M 5.38M 5.38M 5.41M 5.41M 5.41M
Normalized Net Operating Profit after Tax (NOPAT)		 1.61 2.55 3.19 3.42 6.19 -6.33 5.27 5.58 4.33 3.74 4.98
Normalized NOPAT Margin		 10.08% 16.03% 19.35% 18.60% 28.09% -132.33% 25.56% 24.97% 19.94% 17.97% 19.49%
Pre Tax Income Margin		 14.40% 19.14% 22.90% 21.59% 36.85% -189.04% 31.76% 30.89% 25.35% 22.36% 25.53%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.24 0.32 0.39 0.38 0.77 -0.89 0.72 0.79 0.66 0.59 0.88
NOPAT to Interest Expense		 0.25 0.27 0.33 0.33 0.59 -0.62 0.58 0.64 0.52 0.47 0.67
EBIT Less CapEx to Interest Expense		 0.24 0.31 0.35 0.36 1.48 -0.94 0.69 0.75 0.63 0.56 0.84
NOPAT Less CapEx to Interest Expense		 0.25 0.26 0.29 0.30 1.29 -0.67 0.55 0.60 0.49 0.45 0.63
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 45.20% 45.48% 40.65% 36.82% 28.02% 74.59% 62.52% 55.09% 74.40% 35.28% 35.88%
Augmented Payout Ratio		 48.42% 49.16% 44.04% 38.87% 29.56% 80.31% 67.23% 58.22% 78.63% 37.22% 37.58%

Financials Breakdown Chart

Key Financial Trends

Eagle Financial Services (NASDAQ:EFSI) showed a sharp rebound in profitability in Q1 2026, but the quarter also highlighted a few balance-sheet and funding pressures that investors should watch closely. Net income improved to $3.74 million from a loss of $6.97 million in Q1 2025, helped by stronger operating performance and a much better funding mix than a year ago. However, deposits fell materially year over year, and the bank continued to work through a more volatile balance-sheet structure than it had in parts of 2024.

  • Profitability rebounded strongly in Q1 2026. Net income rose to $3.74 million from a $6.97 million loss in Q1 2025, a major year-over-year turnaround.
  • Operating cash flow remained solid. Eagle generated $4.30 million of net cash from operating activities in Q1 2026, down from $5.80 million a year ago but still comfortably positive.
  • Pre-tax income improved sharply versus last year’s weak first quarter. Pre-tax income totaled $4.66 million versus a $9.04 million loss in Q1 2025.
  • Credit costs were contained relative to revenue. Provision for credit losses was $1.96 million, which is elevated but manageable given $20.83 million of total revenue.
  • Dividend continued to be supported by earnings. Q1 2026 EPS was $0.69, while the quarterly cash dividend remained $0.31 per share.
  • Net interest income was solid, but slightly below recent quarters. Net interest income was $15.90 million, down from $16.38 million in Q4 2025 and $17.20 million in Q3 2025.
  • Non-interest income held up well. Fee and other non-interest income totaled $4.93 million, a healthy contributor to revenue.
  • Balance-sheet liquidity appears adequate, but the asset mix is shifting. Cash, federal funds sold, and interest-bearing deposits remained meaningful, while investment securities activity was active during the quarter.
  • Deposits declined materially in the quarter. Net change in deposits was a $9.14 million outflow in Q1 2026, following even larger swings in prior quarters.
  • Financing cash flow was heavily negative due to debt repayment and dividends. Net cash from financing activities was down $51.10 million, driven largely by $40.0 million of debt repayment and dividend payments.

Looking at the multi-quarter trend, Eagle Financial’s earnings have been highly cyclical. After a weak Q1 2025, results improved through mid-2025, with Q3 2025 net income of $5.58 million and Q4 2025 net income of $4.33 million before easing slightly in Q1 2026. That pattern suggests the bank can produce solid earnings, but margins and funding costs remain sensitive to market conditions.

On the balance sheet, total assets were $1.84 billion in Q1 2026, down from $1.93 billion in Q3 2025 and $2.04 billion in Q2 2025. Total equity was $190.3 million, up slightly from $185.6 million in Q3 2025, which is constructive. Still, deposit volatility and the use of debt repayment as a major financing outflow suggest management is actively reshaping the funding base, which investors should monitor.

Bottom line: EFSI is showing improved earnings momentum and stable operating cash generation, but deposit trends and financing volatility remain the main risk factors. If the company can sustain profitability while stabilizing deposits, the recent rebound would look more durable.

08/21/26 08:25 PM ETAI Generated. May Contain Errors.

Eagle Financial Services Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Eagle Financial Services' fiscal year ends in December. Their fiscal year 2025 ended on December 31, 2025.

Eagle Financial Services' net income appears to be on an upward trend, with a most recent value of $8.21 million in 2025, rising from $6.90 million in 2015. The previous period was $15.34 million in 2024. See where experts think Eagle Financial Services is headed by visiting Eagle Financial Services' forecast page.

Over the last 10 years, Eagle Financial Services' total revenue changed from $31.58 million in 2015 to $69.50 million in 2025, a change of 120.0%.

Eagle Financial Services' total liabilities were at $1.70 billion at the end of 2025, a 2.7% decrease from 2024, and a 195.6% increase since 2015.

In the past 10 years, Eagle Financial Services' cash and equivalents has ranged from $10.58 million in 2017 to $16.63 million in 2022, and is currently $13.94 million as of their latest financial filing in 2025.

Over the last 10 years, Eagle Financial Services' book value per share changed from 22.29 in 2015 to 35.12 in 2025, a change of 57.6%.


Related Companies

Financial statements for NASDAQ:EFSI last updated on 8/10/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
From Our Partners
ALERT: Drop these 5 stocks before the market opens tomorrow!
The Wall Street Journal is already raising the alarm about a potential market crash, and Weiss Ratings researc...
Weiss Ratings | Sponsoredtc pixel
Louis Navellier: My #1 AI stock for 2026 (name & ticker inside)
Louis Navellier's Stock Grader system helped him flag Nvidia before its 82,000% run and has identified the top...
InvestorPlace | Sponsoredtc pixel
Ready to give options a try? Your first trade (Ticker included) -INSIDE
Tired of trying tactic after tactic when it comes to options trades... only to be met with market noise and st...
Base Camp Trading | Sponsoredtc pixel
Small Colorado Company (Backed by Sam Altman) Could Save U.S. Power Grid
A small Colorado company has secured rights to technology that could prevent the U.S. public power grid from c...
Altimetry | Sponsoredtc pixel
They didn't warn anyone in 1971. This time someone is warning you.
On August 15, 1971, Nixon interrupted prime-time television and ended the gold standard in 15 minutes - no deb...
Reagan Gold Group | Sponsoredtc pixel
Iran War Shock: What I Was Told In That Private Meeting
You’re Being LIED To About The Iran War Forget EVERYTHING you’ve heard about the Iran war. Especially th...
Banyan Hill Publishing | Sponsoredtc pixel
My top 3 AI picks for the next decade
Alexander Green bought Apple in 1996, recommended Nvidia at a split-adjusted 66 cents in 2004, and picked up A...
The Oxford Club | Sponsoredtc pixel
Buy this stock today
Marc Chaikin, founder of Chaikin Analytics, is sharing a strategy he calls 'Sell This, Buy That' - a way to mo...
Chaikin Analytics | Sponsoredtc pixel