Eagle Financial Services, Inc. (EFSI)

Eagle Financial Services Cash Flow 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
Net Income	10.07	15.34	9.36	14.52	11.02	11.17
Depreciation & Amortization	1.59	1.54	1.99	1.91	1.67	1.44
Other Amortization	0.07	0.07	0.07	0.05	-	-
Gain (Loss) on Sale of Assets	-3.72	-3.66	-0.46	0.01	0.2	-0.14
Gain (Loss) on Sale of Investments	11.99	0.26	0.34	1.3	1.22	0.11
Provision for Credit Losses	3.37	2.55	1.65	1.83	1.48	1.46
Net Decrease (Increase) in Loans Originated / Sold - Operating	3.61	1.14	-0.38	1.21	-0.24	-
Change in Other Net Operating Assets	-1.37	4.13	-3.25	-5.45	3.88	-2.86
Other Operating Activities	-0.48	-1.38	-2.22	-0.71	-1.96	-0.78
Operating Cash Flow	22.89	18.76	6.88	13.81	16.46	11.01
Operating Cash Flow Growth	255.73%	172.90%	-50.23%	-16.07%	49.55%	-3.01%
Capital Expenditures	-1.45	-1.02	-1.07	-0.84	-0.52	-0.46
Sale of Property, Plant and Equipment	7.71	7.67	0.04	0.03	-	0.01
Investment in Securities	7.29	14.4	13.55	15.42	-35.17	2.24
Divestitures	-	-	53.99	-	-	-
Net Decrease (Increase) in Loans Originated / Sold - Investing	17.73	-6.96	-191.57	-337.07	-148.42	-191.41
Other Investing Activities	6.16	2.66	-5.34	-8.88	-9.78	-12.01
Investing Cash Flow	37.44	16.75	-130.28	-331.34	-193.22	-201.47
Short-Term Debt Issued	-	5	-	207.98	-	-
Long-Term Debt Issued	-	-	145	29.33	-	-
Total Debt Issued	-20.14	5	145	237.31	-	-
Short-Term Debt Repaid	-	-	-187.98	-	-	-
Long-Term Debt Repaid	-	-50	-	-	-	-
Total Debt Repaid	-110	-50	-187.98	-	-	-
Net Debt Issued (Repaid)	-130.14	-45	-42.98	237.31	-	-
Issuance of Common Stock	53.5	-	0.13	0.16	0.18	0.23
Repurchase of Common Stock	-0.32	-0.24	-0.3	-0.15	-0.15	-1.85
Common Dividends Paid	-5.55	-4.3	-4.23	-3.81	-3.26	-3.2
Net Increase (Decrease) in Deposit Accounts	109.11	68.83	242.25	86.84	164.14	241.55
Financing Cash Flow	26.61	19.3	194.87	320.35	160.91	236.73
Net Cash Flow	86.94	54.81	71.46	2.83	-15.85	46.26
Free Cash Flow	21.44	17.74	5.8	12.98	15.94	10.55
Free Cash Flow Growth	273.18%	205.70%	-55.27%	-18.59%	51.08%	5.14%
Free Cash Flow Margin	32.42%	25.37%	9.20%	21.47%	31.50%	24.81%
Free Cash Flow Per Share	4.54	4.99	1.65	3.73	4.63	3.09
Cash Interest Paid	39.67	40.14	31.33	4.56	1.68	3.35
Cash Income Tax Paid	1.59	0.08	2.07	4.37	2.82	2.62

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

SEC Filings: 10-K · 10-Q