Eagle Financial Services Inc (EFSI)
Operating cash flow minus capital spending left $24.3M of free cash flow in fiscal 2025. At September 30, 2026 it held $162.3M in cash against $29.6M of debt. Its latest periodic report to the SEC is the quarterly report (10-Q) filed on November 9, 2026.
Key facts about Eagle Financial Services Inc
- Net worth
- Eagle Financial Services Inc has a market value (market cap) of $248.2M at the latest share price, and shareholders' equity of $195.3M on its balance sheet at September 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
- Cash flow
- In fiscal 2025 operations brought in $25.8M of cash; after $1.4M of capital spending, free cash flow was $24.3M.
- Latest report
- The latest periodic report (quarterly report, 10-Q) was filed with the SEC on November 9, 2026 and covers the period to September 30, 2026. Open on SEC EDGAR
- Next earnings report
- Eagle Financial Services Inc's next report is expected around January 25, 2027. That is an estimate from its filing rhythm, not a date the company has announced.
- Dividend
- Eagle Financial Services Inc declared dividends of $1.24 per share in fiscal 2025, a yield of 2.70% at the current price.
What Eagle Financial Services Inc does
Eagle Financial Services Inc is registered with the SEC under industry code SIC 6022 (State Commercial Banks). Its shares trade on NASDAQ under the ticker EFSI.
Revenue and profit by year
Key figures
| Fiscal year | Revenue | Net income | Diluted EPS | Free cash flow |
|---|---|---|---|---|
| 2025 | n/a | $8.2M | $1.59 | $24.3M |
| 2024 | n/a | $15.3M | $4.32 | $17.7M |
| 2023 | $0 | $9.4M | $2.66 | $5.8M |
| 2022 | $3K | $14.5M | $4.17 | $13M |
| 2021 | $236K | $11M | $3.20 | $15.9M |
| 2020 | n/a | $11.2M | $3.27 | $10.6M |
Earnings: every quarter and the next report date
Full financial statements: income, balance sheet and cash flow
Dividends
Eagle Financial Services Inc declared $1.24 per share in fiscal 2025. At the current price that is a yield of 2.70%. It paid out $6.1M in cash dividends, 74% of its net income.
| Fiscal year | Per share | Paid out | Of profit |
|---|---|---|---|
| 2025 | $1.24 | $6.1M | 74% |
| 2024 | $1.21 | $4.3M | 28% |
| 2023 | $1.20 | $4.2M | 45% |
| 2022 | $1.15 | $3.8M | 26% |
| 2021 | $1.10 | $3.3M | 30% |
| 2020 | $1.04 | $3.2M | 29% |
Latest SEC filings
What Eagle Financial Services Inc has filed recently, newest first. Each links to the original document on SEC EDGAR.
- November 9, 2026
- November 2, 2026Form 425 filing 425
- October 22, 2026Form 425 filing 425
- October 22, 2026
- October 16, 2026Merger proxy statement DEFM14A
- September 8, 2026Form 425 filing 425
- September 8, 2026Form 425 filing 425
- September 8, 2026Form 425 filing 425
- September 8, 2026Form 425 filing 425
- September 8, 2026
Insider trades
What the people running Eagle Financial Services Inc did with its shares, from the Form 4 filings they must send the SEC within two business days.
No insider trades were reported in the last 90 days.
| Date | Insider | What | Shares | Value |
|---|---|---|---|---|
| May 19, 2026 | Smalley Robert W JrDirector | Other change | 761 | - |
| April 29, 2026 | Schmidt MarianneEXECUTIVE OFFICER | Sold | 388 | $14.7K |
| March 11, 2026 | Hamberger Scott MDirector | Bought | 909 | $30K |
| March 11, 2026 | Hamberger Scott MDirector | Gave as a gift | 600 | - |
| March 11, 2026 | Hamberger Scott MDirector | Gave as a giftindirect | 600 | - |
| March 5, 2026 | Hill Edward IIIDirector | Bought | 939 | $32.5K |
| March 2, 2026 | Lorey Brandon CraigEXECUTIVE OFFICER, Director | Bought | 350 | $12.1K |
| February 27, 2026 | Hamberger Scott MDirector | Boughtindirect | 945 | $34K |
Who owns EFSI
Three views from three kinds of SEC filings, each with its own date. They overlap and are not added up.
5% holders
| Holder | Of class | Filed |
|---|---|---|
| Fourthstone LLC13G, passive with 5 related filers | 5.31% | August 14, 2026 |
| Wellington Management Group LLP13G, passive with 3 related filers | 5.2% | May 15, 2026 |
Largest institutional holders
Positions that investment managers reported on Form 13F for the quarter ended June 30, 2026, largest first, with the change on the quarter ended March 31, 2026. Managers file 13F up to 45 days after a quarter ends. 80 managers reported a position.
| Holder | Shares | Change on quarter |
|---|---|---|
| BlackRock, Inc. | 345,268 | +64,736 |
| Fourthstone LLC | 287,575 | -244,624 |
| Wellington Management Group Llp | 279,083 | -1,317 |
| Vanguard Capital Management LLC | 212,734 | -31,008 |
| Graham Capital Wealth Management, LLC | 135,623 | -1,412 |
| Geode Capital Management, LLC | 118,250 | +15,041 |
| State Street Corp | 90,307 | +5,700 |
| Alliancebernstein L.P. | 93,516 | -10,200 |
| Maltese Capital Management LLC | 65,700 | -41,445 |
| Two Sigma Investments, LP | 62,357 | +45,944 |
| Choreo, LLC | 60,400 | 0 |
| Banc Funds Co LLC | 56,500 | -8,500 |
| Marshall Wace, Llp | 51,423 | +43,681 |
| Dimensional Fund Advisors LP | 38,580 | +14,485 |
| Northern Trust Corp | 37,063 | +3,225 |
| Citadel Advisors LLC | 33,602 | +26,184 |
| Vanguard Portfolio Management LLC | 31,927 | +5,357 |
| Vanguard Fiduciary Trust Co | 30,455 | +253 |
| Susquehanna International Group, Llp | 28,909 | new |
| UBS Group AG | 28,853 | +19,454 |
Insiders
22 insiders reported holding 424,781 shares in total, about $19.5M at the last price.
| Holder | Shares |
|---|---|
| Milleson John RDirector | 144,586 |
| Lorey Brandon CraigEXECUTIVE OFFICER, Director | 44,204 |
| Zmitrovich Joseph TEXECUTIVE OFFICER | 25,981 |
| Smalley Robert W JrDirector | 24,379 |
| Crosen Kaley AnnEXECUTIVE OFFICER | 23,846 |
| Rinker Douglas ClayDirector | 22,199 |
| Chappell Kathleen JEXECUTIVE OFFICER | 19,448 |
| Glaize Mary BruceDirector | 17,796 |
| Stokely John D JrDirector | 14,240 |
| Hamberger Scott MDirector | 13,55911,609 held indirectly |
Questions about EFSI
What does Eagle Financial Services Inc do?
Eagle Financial Services Inc is a company in the Finance sector, listed on NASDAQ as EFSI. Its shares trade on NASDAQ under the ticker EFSI.
What is Eagle Financial Services Inc's net worth?
Eagle Financial Services Inc has a market value (market cap) of $248.2M at the latest share price, and shareholders' equity of $195.3M on its balance sheet at September 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
Is Eagle Financial Services Inc profitable?
Yes. Over the twelve months to September 30, 2026 it reported net income of $17.8M.
When did Eagle Financial Services Inc last report?
Its most recent periodic report is the quarterly report (10-Q) filed on November 9, 2026. It covers the period to September 30, 2026.
When is Eagle Financial Services Inc's next earnings report?
Eagle Financial Services Inc's next report is expected around January 25, 2027. That is an estimate from its filing rhythm, not a date the company has announced.
Does Eagle Financial Services Inc pay a dividend?
Yes. Eagle Financial Services Inc declared dividends of $1.24 per share in fiscal 2025, a yield of 2.70% at the current price.
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Where the numbers come from
Financial figures are the values Eagle Financial Services Inc tagged in its own SEC filings (XBRL), taken from the latest filing for each period, so restatements replace older figures. Revenue, profit and cash flow are for full fiscal years unless marked as the last twelve months, which is the sum of the four most recent quarters. Where a company reports only the full year, the fourth quarter is the year minus the first three.
Prices are delayed end-of-day market data in the listing currency, and market cap moves with the price. P/E is shown only when earnings per share are positive. Nothing here is investment advice.