Saturday 17 October 2026 Export EFSI’s income statement to Excel — free account

Eagle Financial Services Inc.

Eagle Financial Services Inc.’s revenue for fiscal 2025 (year ended December 2025) was $105.9 million, down 6.19% from fiscal 2024. In the quarter to June 2026, revenue grew 10.9%, EPS fell 6.12%, free cash flow fell 435.7% and total debt fell 57.4%, each against the same quarter a year earlier. Dividend growth for ten consecutive years; insiders bought in the last twelve months.

45.81 0.06 +0.13%

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Market cap: $247.6M
P/E: 13.2×
Fwd P/E: 12.4×
Dividend yield: —
F-score: 5/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 0.13

Total sells 0.02

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	1	1	3	—	—	—	—	—	—	—
Sell	—	1	—	—	—	1	—	—	—	—	—	—

Insider Ownership 15.19%

Capital & Financial Ratios $m

Market Cap 247.58

Revenue 122.93

Net Income 18.64

Free Cash Flow 14.26

Net Debt (114.38)

Current Ratio 1.02

Debt/Equity 0.15

P/E ratio 13.24

Fwd P/E 12.40

P/S ratio 2.02

P/B ratio 1.28

Past 5Y EPS Growth (13.43%)

This Y EPS Growth (18.07%)

Next Y EPS Growth 18.87%

Next Y revenue growth (24.07%)

Next 5Y EPS Growth 2.96%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 71.32%

10-year low 10-year high

P/S against its own 10 years 40.03%

10-year low 10-year high

P/B against its own 10 years 82.97%

10-year low 10-year high

Dividends

Payout Ratio —

Annual Dividend Rate —

Annual Dividend Yield —

	total	individual payouts
2028	Powerpack
2027	Powerpack
2026	Powerpack
2025	Powerpack
2023	0.90	0.30 0.30 0.30
2022	1.15	0.28 0.28 0.29 0.30
2021	1.10	0.27 0.27 0.28 0.28
2020	1.04	0.26 0.26 0.26 0.26
2019	1.00	0.24 0.25 0.25 0.26
2018	0.94	0.23 0.23 0.24 0.24
2017	0.88	0.22 0.22 0.22 0.22
2016	0.82	0.20 0.20 0.20 0.22

predictions special payouts not included in total or ratios

Assets vs Liabilities $m

	2023	2024	2025	Q'26
Cash	138	193	217	144
Receivables	—	—	—	—
Inventory	—	—	—	—
Other	—	—	—	—
	1,588	1,648	1,680	1,631

	2023	2024	2025	Q'26
Payables	1,506	1,575	1,607	1,602
ST’ Debt	—	—	—	—
Other	—	—	—	—
	1,506	1,575	1,607	1,602

Compound Annual Growth %

	10y	5y	3y
Sales	12.39%	17.40%	15.89%
Cash Flow	13.65%	18.53%	23.08%
Earnings	1.76%	(5.97%)	(17.30%)
Book Value	9.21%	12.44%	22.90%

Revenue $m

	Mar	Jun	Sep	Dec	Year
’26	29	33	—	—	—
’25	15	30	31	30	106
’24	25	26	29	33	113
’23	22	24	26	26	98
’22	15	16	18	19	68
’21	12	13	14	15	54
’20	11	12	12	12	47

Fiscal quarters ending in the months shown.

Operating Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	4	(13)	—	—	—
’25	6	3	8	9	26
’24	7	(2)	8	6	19
’23	0	(2)	15	(6)	7
’22	0	3	2	9	14
’21	4	2	4	7	16
’20	2	2	4	3	11

Fiscal quarters ending in the months shown.

Free Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	4	(8)	—	—	—
’25	6	2	8	10	26
’24	7	(2)	7	14	26
’23	0	(3)	14	(6)	6
’22	0	3	2	8	13
’21	4	2	4	7	16
’20	2	2	4	3	11

Fiscal quarters ending in the months shown.

EPS $

	Mar	Jun	Sep	Dec	Year
’26	0.69	0.92	—	—	—
’25	(1.53)	0.98	1.04	0.81	1.59
’24	0.72	0.89	0.97	1.74	4.32
’23	0.73	0.59	0.66	0.68	2.66
’22	0.94	1.14	1.17	0.92	4.17
’21	0.84	0.87	0.83	0.66	3.20
’20	0.71	0.83	0.99	0.74	3.27

Fiscal quarters ending in the months shown.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	22.25	25.50	29.50	29.52	21.75	28.60	34.14	28.00	27.02	28.70	Analyst estimates 2026–2028 Powerpack
	High	26.00	33.25	38.20	34.00	32.80	41.50	38.40	36.73	36.93	41.12
People
People	Employees	131	128	127	135	195	221	237	151	231	254
	Revenue/emp, $m	0.25	0.27	0.31	0.32	0.24	0.24	0.29	0.65	0.49	0.42
Income, $m
Income, $m	Revenue	32	35	39	43	47	54	68	98	113	106
	Gross margin, %	96.71	96.72	93.52	90.19	93.09	96.89	91.96	66.45	64.48	65.63
	EBT	9	11	10	12	13	13	18	11	19	10
	EBT margin, %	27.49	32.48	26.58	26.77	28.02	23.68	25.97	10.86	16.74	9.37
	Net income	6	8	9	10	11	11	15	9	15	8
	Depreciation	1	2	2	2	2	3	3	2	2	1
Per share, $
Per share, $	Revenue	9.22	10.13	11.19	12.57	13.90	15.70	19.54	27.78	31.76	20.45
	Earnings	1.81	2.24	2.60	2.84	3.27	3.20	4.17	2.66	4.32	1.59
	Cash flow	2.76	2.70	(0.44)	3.30	3.22	4.78	3.97	1.95	5.28	4.97
	Capex	(0.07)	(0.11)	(0.12)	(0.30)	(0.11)	(0.15)	(0.23)	(0.29)	1.90	0.01
	Free cash flow	2.68	2.60	(0.56)	3.00	3.11	4.63	3.74	1.66	7.18	4.98
	Book value	22.57	24.17	25.26	28.01	30.75	32.06	29.21	30.76	33.48	36.47
	Shares, m	4	3	3	3	3	3	3	4	4	5
Valuation, ×
Valuation, ×	P/E	14.09	14.29	11.92	10.93	9.02	10.83	8.62	11.28	8.43	30.62
	P/S	2.77	3.16	2.77	2.47	2.12	2.21	1.84	1.08	1.15	1.95
	P/B	1.13	1.32	1.23	1.11	0.96	1.08	1.23	0.98	1.09	1.09
	EV/Sales	2.29	2.71	2.81	1.92	0.65	1.21	3.86	1.65	0.76	0.55
	EV/FCF	7.88	10.57	(55.93)	8.05	2.91	4.09	20.19	27.69	3.36	2.27
Cash, $m
Cash, $m	Operating cash flow	10	9	(2)	11	11	16	14	7	19	26
	Capex	0	0	0	(1)	0	(1)	(1)	(1)	7	0
	Free cash flow	9	9	(2)	10	11	16	13	6	26	26
Balance, $m
Balance, $m	Working capital	(56)	(63)	(85)	(98)	(104)	(135)	83	82	73	72
	Total debt	—	—	—	—	—	—	204	194	150	70
	Net debt	(35)	(36)	(18)	(34)	(80)	(64)	137	56	(44)	(148)
	Shareholders’ equity	79	84	88	96	105	110	102	108	119	189
Returns, %
Returns, %	ROA	0.94	1.06	1.15	1.16	1.11	0.91	0.99	0.54	0.83	0.44
	ROIC	12.64	14.87	9.31	11.54	33.07	17.29	4.62	4.04	15.68	15.05
	ROE	8.08	9.54	10.50	10.61	11.09	10.24	13.70	8.91	13.50	5.34

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
FXNC First National Corp.	$266.0M	12.3×	12.3×	+2.05% (above 0%: growing)	+14.29% (above 0%: growing)	+60.14% (above 0%: growing)	80.94%	0.00%	Compare
FBLA FB Bancorp, Inc.	$264.7M	— (loss-making)	—	+8.80% (above 0%: growing)	n/m	+669.02% (above 0%: growing)	74.66%	0.00%	Compare
HWBK Hawthorn Bancshares, Inc.	$263.1M	9.9×	10.0×	+9.30% (above 0%: growing)	+20.45% (above 0%: growing)	+123.49% (above 0%: growing)	76.36%	0.00%	Compare
GBFH GBank Financial Holdings Inc.	$257.6M	13.6×	16.3×	+22.90% (above 0%: growing)	+15.15% (above 0%: growing)	+3,151.19% (above 0%: growing)	68.86%	0.00%	Compare
RMBI Richmond Mutual Bancorporation, Inc.	$256.9M	12.4×	16.7×	+4.69% (above 0%: growing)	−14.81% (below 0%: shrinking)	−35.05% (below 0%: shrinking)	58.15%	0.00%	Compare
BCBP BCB Bancorp, Inc. (NJ)	$255.6M	— (loss-making)	10.2×	−11.64% (below 0%: shrinking)	n/m	−8.23% (below 0%: shrinking)	57.20%	0.00%	Compare
EFSI Eagle Financial Services Inc.	$247.6M	13.2×	12.4×	+10.87% (above 0%: growing)	−6.12% (below 0%: shrinking)	−435.67% (below 0%: shrinking)	77.54%	0.00%
PEBK Peoples Bancorp of North Carolina, Inc.	$241.2M	11.8×	11.8×	+0.90% (above 0%: growing)	+1.03% (above 0%: growing)	+10.02% (above 0%: growing)	80.61%	0.00%	Compare
CMTV Community Bancorp.	$234.3M	12.6×	—	+8.55% (above 0%: growing)	+16.67% (above 0%: growing)	+17.48% (above 0%: growing)	73.88%	0.00%	Compare
Median of peers	$257.3M	12.3×	12.1×	+6.62%	+14.72%	+38.81%	74.27%	0.00%

All 323 Banks Regional stocks →

Eagle Financial Services Inc. (EFSI) key facts

Concern: Eagle Financial Services Inc.’s revenue for fiscal 2025 (year ended December 2025) was $105.9 million, down 6.19% from fiscal 2024.
Eagle Financial Services Inc. (EFSI) is a Banks Regional company in the Financial sector, listed on Nasdaq.
As of October 16, 2026, EFSI traded at $45.81, a market capitalization of $247.6 million.
Return on equity was 5.34% and debt-to-equity 0.15.
Its Piotroski F-score is 5 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.