EAGLE FINANCIAL SERVICES INC EFSI

Financials SIC 6022 - State Commercial Banks NAICS Finance and Insurance › Credit Intermediation and Related Activities › Depository Credit Intermediation › Commercial Banking derived Nasdaq

Eagle Financial Services, Inc. is a bank holding company that was incorporated in 1991. The company is headquartered in Berryville, Virginia and conducts its operations through its subsidiary, Bank of Clarke (the "Bank"). The Bank is chartered under Virginia law. For purposes of this annual report on Form 10-K, the terms the "Company," "our," "us" and "we" refer to Eagle Financial Services, Inc. and our subsidiary as a combined entity, unless this report otherwise indicates or the context otherwise requires.

The Bank has fifteen full-service branches, one loan production office, one wealth management office and one drive-through only facility. The Bank's main office is located at 2 East Main Street in Berryville, Virginia. The Bank opened for business on April 1, 1881. The Bank's market area is located in the Shenandoah Valley of Virginia, Northern Virginia and Frederick, Maryland. The Bank has Virginia offices located in Clarke County, Frederick County, Fauquier County, Loudoun County and Fairfax County, as well as the towns of Leesburg and Purcellville and the City of Winchester. The Bank has a Maryland office located in Frederick.

Last close 46.93 2026-10-23
Market cap $254.0M 2026-06-30 share count
52-week range 31.44 - 48.17

Valuation FY2025 figures against the last close

P/S2.6x
P/E29.5x
P/FCF10.4x
EV/EBITDA—
Dividend yield2.4%
Diluted EPS1.59

Annual financial statements

Income statement

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Revenue $99.0M$91.3M$83.1M$3.0K$236.0K$38.9M$35.5M$31.9M$28.4M$25.8M
Interest expense $62.6M$51.2M$50.3M$5.5M$1.7M$3.3M$4.2M$2.5M$1.2M$1.1M
Pre-tax income $9.9M$18.9M$10.6M$17.7M$12.8M$13.3M$11.6M$10.3M$11.4M$8.9M
Income tax $1.7M$3.6M$1.3M$3.1M$1.8M$2.1M$1.8M$1.3M$3.6M$2.6M
Net income $8.2M$15.3M$9.4M$14.5M$11.0M$11.2M$9.8M$9.0M$7.8M$6.4M
EPS, basic 1.594.322.664.173.203.272.842.602.241.81
EPS, diluted 1.594.322.664.173.203.272.842.602.241.81
Shares, diluted (wtd. avg.) 5.2M3.6M3.5M3.5M3.4M3.4M3.4M3.5M3.5M3.5M

Balance sheet

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Cash and equivalents $217.2M$193.2M$138.4M$66.9M$64.1M$79.9M$33.7M$18.4M$35.8M$35.3M
Property, plant and equipment $14.9M$14.3M$18.1M$18.1M$18.2M$18.7M$19.3M$19.1M$19.6M$20.2M
Total assets $1.89B$1.87B$1.83B$1.62B$1.30B$1.13B$877.3M$799.6M$765.8M$700.1M
Total liabilities $1.70B$1.75B$1.72B$1.51B$1.19B$1.03B$781.0M$712.0M$681.9M$620.7M
Retained earnings $116.1M$114.0M$103.4M$100.3M$89.8M$82.5M$74.9M$68.6M$62.8M$58.2M
Total equity $188.8M$119.0M$108.4M$101.7M$110.3M$105.1M$96.3M$87.6M$83.8M$79.4M

Cash flow

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Operating cash flow $25.8M$18.8M$6.9M$13.8M$16.5M$11.0M$11.3M-$1.5M$9.4M$9.7M
Depreciation and amortisation $780.0K$979.0K$1.0M$979.0K$996.0K$1.0M$957.0K$925.0K$946.0K$932.0K
Stock-based compensation $1.2M$912.0K$1.2M$1.0M$850.0K$604.0K$562.0K$518.0K$382.0K$314.0K
Capital expenditure $1.4M$1.0M$1.1M$838.0K$520.0K$456.0K$1.3M$432.0K$368.0K$257.0K
Investing cash flow -$965.0K$16.7M-$130.3M-$331.3M-$193.2M-$201.5M-$58.0M-$53.7M-$64.3M-$26.4M
Financing cash flow -$754.0K$19.3M$194.9M$320.3M$160.9M$236.7M$61.9M$37.7M$55.5M$28.7M
Dividends paid $6.1M$4.3M$4.2M$3.8M$3.3M$3.2M$3.0M$2.8M$2.7M$2.4M

Figures as tagged in each year's own filing, in US dollars. A year restated by a later filing shows the restated figure. Capital expenditure, dividends and buybacks are cash out, shown positive. A line the filer does not report is not listed. Latest from accession 0000880641-26-000009.

Plot the figures US dollars

Income statement Revenue Cost of revenue Gross profit R&D SG&A Total operating expenses Operating income Interest expense Pre-tax income Income tax Net income EPS, basic EPS, diluted Shares, diluted (wtd. avg.)
Balance sheet Cash and equivalents Short-term investments Receivables Inventory Total current assets Property, plant and equipment Goodwill Other intangibles Total assets Accounts payable Short-term debt Total current liabilities Long-term debt Total liabilities Retained earnings Total equity
Cash flow Operating cash flow Depreciation and amortisation Stock-based compensation Capital expenditure Investing cash flow Financing cash flow Dividends paid Buybacks
  • Revenue
  • Gross profit
  • Net income
Revenue, Gross profit, Net income by fiscal year, in US dollars The same figures are in the table below this chart. 0 25M 50M 75M 100M Revenue, FY2016: 25.8M Net income, FY2016: 6.4M Revenue, FY2017: 28.4M Net income, FY2017: 7.8M Revenue, FY2018: 31.9M Net income, FY2018: 9M Revenue, FY2019: 35.5M Net income, FY2019: 9.8M Revenue, FY2020: 38.9M Net income, FY2020: 11.2M Revenue, FY2021: 236K Net income, FY2021: 11M Revenue, FY2022: 3K Net income, FY2022: 14.5M Revenue, FY2023: 83.1M Net income, FY2023: 9.4M Revenue, FY2024: 91.3M Net income, FY2024: 15.3M Revenue, FY2025: 99M Net income, FY2025: 8.2M FY2016 FY2017 FY2018 FY2019 FY2020 FY2021 FY2022 FY2023 FY2024 FY2025
Fiscal year FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue $25.8M $28.4M $31.9M $35.5M $38.9M $236.0K $3.0K $83.1M $91.3M $99.0M
Gross profit — — — — — — — — — —
Net income $6.4M $7.8M $9.0M $9.8M $11.2M $11.0M $14.5M $9.4M $15.3M $8.2M

Recent filings and events

  • Results announced The quarterly or annual earnings release. Arrives four times a year from almost every company here. Item 2.02
  • Regulation FD disclosure Something the company told the market and had to tell everyone at once - usually a slide deck or a press release. Item 7.01
  • Shareholder vote The results of the annual meeting or a special vote. Item 5.07
  • Results announced Item 2.02
  • Regulation FD disclosure Item 7.01
  • Annual report filed A new 10-K. The figures and the business description on this site come from it. Form 10-K
  • Officer or director change Someone at the top arrived or left. The item covers everything from a board retirement to a chief executive being removed, and only the filing itself says which. Item 5.02
  • Results announced Item 2.02
  • Regulation FD disclosure Item 7.01
  • Other event The catch-all. The company chose to disclose something that fits no other item, so the content is whatever it says it is. Item 8.01
  • Results announced Item 2.02
  • Regulation FD disclosure Item 7.01

Item numbers are Form 8-K's own, and a filing date is up to four business days after the thing it reports. The same feed across the whole market.

Others in SIC 6022

TickerCompanyMarket capP/ERevenue growth
BNY Bank of New York Mellon Corp $98.57B 19.6x 7.8%
FITB FIFTH THIRD BANCORP $48.05B 15.0x -5.0%
STT STATE STREET CORP $46.10B 17.9x 7.3%
MTB M&T BANK CORP $32.01B 13.0x 7.5%
NTRS NORTHERN TRUST CORP $30.72B 19.2x 6.1%
CFG CITIZENS FINANCIAL GROUP INC/RI $27.44B 16.9x 6.7%
FCNCA FIRST CITIZENS BANCSHARES INC /DE/ $27.41B 14.4x -2.2%
EWBC EAST WEST BANCORP INC $17.97B 13.8x 2.4%