Eagle Financial Services, Inc. (EFSI)

Eagle Financial Services Cash Flow Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	8.21	15.34	9.36	14.52	11.02
Depreciation & Amortization	1.12	1.54	1.99	1.91	1.67
Provision for Credit Losses	3.7	2.55	1.65	1.83	1.48
Stock-Based Compensation	1.22	0.91	1.21	1.02	0.85
Net Change in Loans Held-for-Sale	1.26	1.14	-0.38	1.21	-0.24
Other Adjustments	7.94	-6.86	-3.7	-1.23	-2.21
Changes in Other Operating Activities	2.3	4.13	-3.25	-5.45	3.88
Operating Cash Flow	25.75	18.76	6.88	13.81	16.46
Operating Cash Flow Growth	37.27%	172.90%	-50.23%	-16.07%	49.55%
Net Change in Loans Held-for-Investment	-11.38	-6.96	-191.57	-337.07	-148.42
Net Change in Securities and Investments	10.6	17.07	14.14	8.01	-32.71
Proceeds from Business Divestments	-	-	53.99	-	-
Capital Expenditures	-1.41	-1.02	-1.07	-0.84	-0.52
Sale of Property, Plant & Equipment	1.72	7.78	0.15	0.03	0.67
Other Investing Activities	-0.49	-0.13	-5.92	-1.46	-12.24
Investing Cash Flow	-0.97	16.75	-130.28	-331.34	-193.22
Net Change in Deposits	32.2	68.83	242.25	86.84	164.14
Net Change in Short-Term Interbank Borrowing and Repurchase Agreements	-25	5	-187.98	207.98	-
Long-Term Debt Issued	-55	-50	145	29.33	-
Net Long-Term Debt Issued (Repaid)	-55	-50	145	29.33	-
Issuance of Common Stock	53.5	-	0.13	0.16	0.18
Repurchase of Common Stock	-0.35	-0.24	-0.3	-0.15	-0.15
Net Common Stock Issued (Repurchased)	53.15	-0.24	-0.17	0.01	0.03
Common Dividends Paid	-6.11	-4.3	-4.23	-3.81	-3.26
Financing Cash Flow	-0.75	19.3	194.87	320.35	160.91
Net Cash Flow	24.04	54.81	71.46	2.83	-15.85
Free Cash Flow	24.35	17.74	5.8	12.98	15.94
Free Cash Flow Growth	37.23%	205.70%	-55.27%	-18.59%	51.08%
FCF Margin	681.44%	90.29%	9.16%	21.37%	31.35%
Free Cash Flow Per Share	4.70	4.99	1.65	3.73	4.63
Levered Free Cash Flow	-44.77	-30.01	152.03	39.47	16.05
Unlevered Free Cash Flow	2.01	4.65	-2.33	-4.38	5.03

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q