Eagle Financial Services, Inc. (EFSI)
NASDAQ: EFSI · Real-Time Price · USD
42.31
+0.59 (1.41%)
Aug 10, 2026, 12:24 PM EDT - Market open

Eagle Financial Services Financials Overview

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
79.7465.870.2363.3960.7350.84
Revenue Growth
28.55%-6.32%10.80%4.38%19.46%18.92%
Net Income
18.648.2115.349.3614.5211.02
Earnings Per Share
3.461.594.322.664.173.20
EPS Growth
60.19%-63.19%62.41%-36.21%30.31%-2.14%

Revenue by Segment

Fiscal YearFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingDec '25 Dec '24 Dec '23 Dec '22 Dec '21
Marine Lending
6.216.7411.367.484.78
All Other
-1.42-1.42-1.42-1.073.12
Community Banking
53.3859.2948.5250.1742.93
Wealth Management
7.635.624.93--
Total
65.870.2363.3960.7350.84

Cash & Debt

Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
143.99217.19193.16138.3566.8964.07
Total Debt
29.6169.58124.51174.4429.380
Net Cash (Debt)
114.38147.6268.65-36.0937.5264.07
Net Cash Growth
-64.96%115.03%---41.44%-19.84%
Net Cash Per Share
21.2028.5119.32-10.2410.7718.62

Cash Flow & CapEx

Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingMar '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
24.2525.7518.766.8813.8116.46
Capital Expenditures
-1.08-1.41-1.02-1.07-0.84-0.52
Free Cash Flow
23.1724.3517.745.812.9815.94
Free Cash Flow Growth
41.76%37.23%205.70%-55.27%-18.59%51.08%

Margins

Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Pretax Margin
29.60%15.08%26.91%16.77%29.10%25.15%
Profit Margin
23.37%12.48%21.85%14.76%23.91%21.68%
FCF Margin
0.00%37.01%25.26%9.16%21.37%31.35%

Dividends

Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingAug '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Dividend Per Share
1.2401.2401.2101.2001.1501.100
Dividend Per Share Growth
0%2.48%0.83%4.35%4.54%5.77%
Dividend Yield
2.94%2.97%3.32%4.00%3.04%2.74%

Valuation

Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingAug '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
12.2225.038.4311.288.6210.83
Forward PE
12.5411.27----
P/FCF Ratio
9.598.787.2818.209.677.51
PS Ratio
2.683.251.841.672.072.35