Eagle Financial Services, Inc. (EFSI)

Eagle Financial Services Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	82.25	81.78	75.52	50.68	39.87	35.27
Interest Income on Investments	15.99	9.54	7.57	4	2.81	3.64
Total Interest Income	98.24	91.32	83.09	54.69	42.68	38.91
Interest Paid on Deposits	33.15	31.85	23.63	2.94	1.68	3.26
Interest Paid on Borrowings	5.36	8.24	9.21	2.53	-	0.03
Total Interest Expense	38.51	40.09	32.84	5.47	1.68	3.28
Net Interest Income	59.73	51.23	50.26	49.21	41	35.63
Net Interest Income Growth (YoY)	19.45%	1.93%	2.12%	20.04%	15.08%	14.13%
Trust Income	6.54	5.62	4.93	4.15	3.05	1.4
Gain (Loss) on Sale of Assets	3.86	3.86	0.45	-0.01	-	0.01
Gain (Loss) on Sale of Investments	-12.72	-0.3	-0.27	-1.02	-0.21	0.46
Gain (Loss) on Sale of Equity Investments	0.69	1.36	0.39	-	-	-
Other Non-Interest Income	5.91	6.64	5.78	6.45	5.35	5.57
Total Non-Interest Income	9.75	21.26	14.52	13.07	11.09	8.35
Non-Interest Income Growth (YoY)	-41.40%	46.48%	11.08%	17.82%	32.83%	10.89%
Revenues Before Loan Losses	69.49	72.49	64.77	62.28	52.09	43.98
Provision for Loan Losses	3.36	2.55	1.65	1.83	1.48	1.46
Revenue	66.12	69.94	63.12	60.45	50.61	42.52
Revenue Growth (YoY)	3.18%	10.80%	4.42%	19.45%	19.02%	11.55%
Salaries and Employee Benefits	30.74	29.15	29.09	24.71	21	17.47
Federal Deposit Insurance	1.08	1.43	1.59	0.61	0.61	0.22
Selling, General & Administrative	12.38	11.38	11.9	9.93	10.47	7.49
Other Non-Interest Expense	9.37	8.87	9.92	7.49	5.5	4.16
Total Non-Interest Expense	53.59	51.04	52.49	42.78	37.82	29.21
EBT Excluding Unusual Items	12.53	18.9	10.63	17.67	12.79	13.31
Pretax Income	12.53	18.9	10.63	17.67	12.79	13.31
Income Tax Expense	2.46	3.56	1.28	3.15	1.77	2.14
Net Income	10.07	15.34	9.36	14.52	11.02	11.17
Net Income to Common	10.07	15.34	9.36	14.52	11.02	11.17
Net Income Growth	-12.86%	63.97%	-35.56%	31.76%	-1.35%	14.48%
Basic Shares Outstanding	5	4	4	3	3	3
Diluted Shares Outstanding	5	4	4	3	3	3
Shares Change (YoY)	33.09%	0.86%	1.18%	1.23%	0.66%	-0.61%
EPS (Basic)	2.13	4.32	2.66	4.17	3.20	3.27
EPS (Diluted)	2.13	4.32	2.66	4.17	3.20	3.27
EPS Growth	-34.53%	62.57%	-36.31%	30.31%	-2.11%	15.18%
Dividend Per Share	1.240	1.210	1.200	1.150	1.100	1.040
Dividend Growth	3.33%	0.83%	4.35%	4.54%	5.77%	4.00%
Effective Tax Rate	19.66%	18.82%	12.00%	17.83%	13.81%	16.05%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q