EFSI
Eagle Financial Services, Inc.39.75
+0.00+0%
Dec 16, 4:00:01 PM EST
Earnings Call Transcripts
This Quarter (Q4 '25)
No earnings call transcript available yet
Last Quarter (Q3 '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-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.
8-K
Q3 net income rises to $5.6M
Eagle Financial Services reported third-quarter 2025 net income of $5.6 million, up 6% from Q2's $5.3 million, driven by net interest income surging 9.6% to $17.2 million on a 3.58% margin—its best in a year. Loans grew $22.5 million to $1.45 billion amid commercial real estate originations, while nonperforming assets dipped to 0.74% of total assets despite $2.3 million charge-offs. The board declared a $0.31 per share dividend, payable November 14. Yet nonaccrual loans persist.
10-Q
Q2 FY2025 results
Eagle Financial Services swung to a Q2 profit of $5.3M, up 65% y/y, as net interest income climbed 29% to $15.7M on a restructured securities portfolio yielding higher returns—yet the six-month net loss hit $1.7M after a $12.4M (derived) hit from March's balance sheet repositioning. Revenue grew 18% y/y to $29.0M, with gross margin expanding to 3.20% from 2.96%, while provision for credit losses rose to $1.9M amid $1.1M net charge-offs in commercial real estate. Cash swelled to $396M, free cash flow reached $7.6M (derived), and long-term FHLB debt fell to $40M at 4.83%; a February stock offering added $53.5M in equity. Non-GAAP metrics not disclosed in the 10-Q. Elevated nonaccruals at 1.16% of loans signal credit pressures from economic headwinds.
8-K
Q2 profit rebounds strongly
Eagle Financial Services swung to $5.3 million net income in Q2 2025, up 85% from adjusted Q1 loss, fueled by 17.7% net interest income growth to $15.7 million and a 44-basis-point net interest margin expansion to 3.42% after securities repositioning. Deposits surged $153 million to $1.77 billion, cutting FHLB borrowings by $25 million, while $1.1 million gains from $25.5 million in mortgage and SBA loan sales boosted noninterest income. Nonperforming assets ticked up to 0.86% of assets amid nonaccrual additions, yet reserves cover 91%. Board declared $0.31 quarterly dividend.
8-K
Board adds tech director
Eagle Financial Services bolstered its board on May 20, 2025, appointing tech veteran Karthik Shyamsunder as director, leveraging his 30+ years in AI, machine learning, and cloud computing from VeriSign and AT&T. Shareholders at the annual meeting elected three directors—Scott M. Hamberger, John R. Milleson, and Robert W. Smalley, Jr.—with strong support, ratified Yount, Hyde & Barbour as auditors, and approved executive pay plus a three-year advisory vote cycle. This infusion of expertise sharpens the bank's edge in digital innovation.
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