Eagle Financial Services, Inc.

Eagle Financial Services, Inc.

EFSIยทNASDAQ

$39.91

-0.21%
Financial ServicesBanks - Regional

Eagle Financial Services, Inc. operates as the bank holding company for Bank of Clarke County that provides various retail and commercial banking products and services in the Shenandoah Valley and Northern Virginia. The company's deposit products include checking, NOW, money market, and regular savings accounts; and demand and time deposits. Its loan portfolio comprises one-to-four-family residential real estate, commercial real estate, construction and land development, and commercial and industrial loans, as well as secured and unsecured consumer loans, which include personal installment loans, personal lines of credit, automobile loans, and credit card loans. The company also offers personal and retirement plan services; investment services comprising tax-deferred annuities, IRAs and rollovers, mutual funds, retirement plans, college savings plans, life insurance, long term care insurance, fixed income investing, brokerage CDs, and full service or discount brokerage services; non-deposit investment products; and title insurance products. In addition, it provides ATM and debit cards; and telephone, internet, and mobile banking services, as well as other commercial deposit account services, such as ACH origination and remote deposit capture services. The company operates through twelve full-service branches, two loan production offices, one wealth management office, and one drive-through only facility, as well as 13 ATM locations in the Virginia communities of Berryville, Winchester, Boyce, Stephens City, Purcellville, Warrenton, Leesburg, Ashburn, and Fairfax. Eagle Financial Services, Inc. was founded in 1881 and is headquartered in Berryville, Virginia.

At a Glance

Live Snapshot
Market Cap$216.01M
EPS1.5900
P/E Ratio25.10
Earnings Date07/23/2026
3Y+57.0%
5Y+124.0%
10Y+232.0%
3Y-43.0%
5Y-26.0%
10Y+29.0%
3Y+102.0%
5Y+153.0%
10Y+187.0%
Eagle Financial Services, Inc.

Eagle Financial Services, Inc. Profit Bridge

EFSI ยท NASDAQ
Revenue104.54M
Cost of Goods Sold (40.09M)
Gross Profit64.45M
Operating Expenses (54.52M)
Operating Income9.93M
Interest Expense (36.39M)
Other Income/Expense0.00
Pretax Income9.93M
Income Tax (1.71M)
Net Income8.21M
Net Income
8.21M

Profitability Analysis

Gross Margin

61.6%

Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.

Operating Margin

9.5%

Acceptable margins but limited operational leverage. Operating expense control is important.

Net Profit Margin

7.9%

Moderate profitability with room for improvement. Monitor interest expenses and tax efficiency.

Effective Tax Rate

17.2%

Moderate tax rate typical for most corporations. Represents standard tax burden on profits.

Profitability Insight

Margin squeeze alert: Healthy gross margins but weak operating margins suggest excessive operating expenses. Cost optimization could unlock significant value.

Eagle Financial Services, Inc. Income Statement

EFSI โ€ข NASDAQ

Eagle Financial Services, Inc. Income StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 2006
REVENUE
104.5M
105.9M
95.9M
66.7M
52.7M
46.6M
41.5M
37M
34.3M
31.5M
29.8M
30.8M
31M
32.1M
32.4M
32.9M
32.1M
34M
37.4M
34.7M
GROSS PROFIT
(40.1M)
(42.6M)
(34.5M)
(7.3M)
(3.2M)
(4.7M)
(4.9M)
(3.3M)
(529K)
(879K)
(1.1M)
(2.3M)
(2.6M)
(5M)
(8.6M)
(11.9M)
(11.1M)
(12.8M)
(14.4M)
(12M)
64.4M
63.3M
61.4M
59.4M
49.5M
41.9M
36.6M
33.7M
33.8M
30.6M
28.4M
28.5M
28.5M
27.1M
23.9M
21.1M
20.9M
21.2M
22.9M
22.7M
OPERATING INCOME
(54.5M)
(44.4M)
(50.8M)
(41.8M)
(36.7M)
(28.6M)
(25.1M)
(23.4M)
(22.4M)
(21.7M)
(19.3M)
(19.3M)
(18.9M)
(17.9M)
(18.2M)
(16.5M)
(16.5M)
(15.8M)
(15.6M)
(14.3M)
(27.4M)
(33.6M)
(34.4M)
(28.3M)
(24M)
(21.5M)
(17.9M)
(16.5M)
(16M)
(15.2M)
(14.7M)
(13.5M)
(13.3M)
(12.1M)
(12.6M)
(11.2M)
(10.9M)
(10.3M)
(9.4M)
(8.8M)
9.9M
18.9M
10.6M
17.7M
12.8M
13.3M
11.6M
10.3M
11.4M
8.9M
9.3M
9.2M
9.5M
9.1M
5.7M
4.6M
4.5M
5.4M
7.4M
8.4M
PRE-TAX INCOME
(36.4M)
(40.1M)
(32.8M)
(5.5M)
(1.7M)
(3.3M)
(4.2M)
(2.5M)
(1.2M)
(1.1M)
(1.3M)
(1.9M)
(2.6M)
(3.4M)
(4.8M)
(5.5M)
(6.8M)
(10.5M)
(13.9M)
(11.7M)
62.3M
50.6M
49.7M
49.1M
41M
35.6M
31.1M
29.3M
27.1M
24.6M
23M
22.7M
22.3M
22.8M
22.4M
21.8M
20.2M
18.2M
17.3M
17.5M
(27.2M)
(10.8M)
(16.4M)
(13.5M)
(12.7M)
(7.1M)
(7.2M)
(6.9M)
(6.4M)
(6.4M)
(4.6M)
(5.8M)
(5.6M)
(5.8M)
(5.6M)
(5.2M)
(5.6M)
(5.5M)
(6.2M)
(5.5M)
9.9M
18.9M
10.6M
17.7M
12.8M
13.3M
11.6M
10.3M
11.4M
8.9M
9.3M
9.2M
9.5M
9.1M
5.7M
4.6M
4.5M
5.4M
7.4M
8.4M
NET INCOME
(1.7M)
(3.6M)
(1.3M)
(3.2M)
(1.8M)
(2.1M)
(1.8M)
(1.3M)
(3.6M)
(2.6M)
(2.4M)
(2.1M)
(2.4M)
(2.6M)
(1.4M)
(1M)
(1M)
(1.4M)
(2.1M)
(2.5M)
8.2M
15.3M
9.4M
14.5M
11M
11.2M
9.8M
9M
7.8M
6.4M
6.9M
7.1M
7.2M
6.6M
4.3M
3.6M
3.4M
4.1M
5.3M
5.9M

SEC Filings

EFSI - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
8-K

8-K 2026

N/A

May 20, 2026
May 19, 2026
2026
10-Q

10-Q 2026 Q1

Q1

May 11, 2026
March 31, 2026
2026
8-K

8-K 2026

N/A

April 23, 2026
April 23, 2026
2026
DEF 14A

DEF 14A 2026

N/A

April 08, 2026
April 07, 2026
2026
10-K

10-K 2025 FY

FY

March 16, 2026
December 31, 2025
2025
8-K

8-K 2026

N/A

January 27, 2026
January 21, 2026
2026
8-K

8-K 2026

N/A

January 26, 2026
January 26, 2026
2026
8-K

8-K 2026

N/A

January 21, 2026
January 21, 2026
2026
10-Q

10-Q 2025 Q3

Q3

November 13, 2025
September 30, 2025
2025
8-K

8-K 2025

N/A

October 23, 2025
October 23, 2025
2025
Showing 1 to 10 of 337 filings