EFSI
Eagle Financial Services, Inc.39.75
+0.00+0%
Dec 16, 4:00:01 PM EST
Earnings Call Transcripts
This Quarter (Q1 '26)
No earnings call transcript available yet
Last Quarter (Q4 '25)
No earnings call transcript available
Key Stats
Market Cap
213.71MP/E (TTM)
15.90Basic EPS (TTM)
2.50Dividend Yield
0.03%Recent Filings
10-K
FY2025 results
Eagle Financial Services closed FY2025 with total assets of $1.89B, up 1% y/y, as net loans held steady at $1.46B amid $6M growth in commercial real estate offset by marine portfolio paydowns and a $19M portfolio sale. Net interest income surged 22% to $62.6M, fueled by Q1 securities repositioning—selling $99M low-yield bonds at a $12.4M loss but boosting yields—plus lower FHLB borrowings; NIM expanded to 3.40% from 3.00%. Q4 showed steady momentum with nonaccruals spiking to 0.98% of loans from 0.14%, driving $3.6M net charge-offs (0.25% of avg loans) and provision to $3.7M, yet equity swelled 59% to $189M via a $54M stock offering. Repurchased 818 shares in Q4; dividends held at $1.24/share. Rising classified loans signal credit stress.
8-K
Appoints two new directors
Eagle Financial Services appointed Brian T. Strosser and Susan D. Davies as directors effective February 25, 2026, adding expertise in strategic governance, risk management, and accounting from tech and public company roles. Veteran director Robert W. Smalley, Jr. plans to retire at the 2026 annual meeting after 35 years. New directors receive standard non-employee compensation.
8-K
Q4 net income $4.3M, NIM 3.61%
Eagle Financial Services reported Q4 2025 net income of $4.3M, down from Q3's $5.6M yet up versus adjusted Q4 2024's $3.1M excluding prior sale-leaseback gain. Net interest margin expanded to 3.61% on higher loan yields and lower funding costs, while wealth fees surged 25.8% to $2.3M. Nonperformers ticked to 0.77% of assets. Balance sheet stronger.
8-K
Dividend declared, earnings soon
10-Q
Q3 FY2025 results
Eagle Financial Services posted solid Q3 momentum, with net interest income climbing 31% year-over-year to $17.2M (tax-equivalent, derived) on higher yields from repositioned securities and lower FHLB borrowing costs, while diluted EPS held steady at $1.04 versus $0.97 last year—reconciled against 5.38M weighted shares with no anti-dilution. Noninterest income dipped slightly to $5.2M amid lower BOLI gains, yet loan sales added $1.0M, offsetting a $12.4M securities loss from Q1 restructuring that boosted YTD yields. Liquidity strengthened with cash equivalents at $268M and $40M long-term FHLB debt at 4.83% due 2026, plus $80.5M in letters of credit; free cash flow isn't disclosed in the 10-Q. Deposits grew 5% to $1.66B, fueled by noninterest-bearing inflows. Yet rising nonaccrual loans to 0.9% of gross loans signal credit pressures from commercial real estate.
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