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Eagle Financial Services Inc (EFSI)

Eagle Financial Services Inc (EFSI)
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Eagle Financial Services, Inc., headquartered in Berryville, Virginia, operates as the holding company for Bank of Clarke County engages in generating deposits and originating loans and provides retail and commercial banking services primarily in northwestern Virginia. Its deposit products include checking accounts, NOW accounts, money market accounts, savings accounts, and time deposits. The company's loan portfolio comprises one-to-four-family residential real estate loans; commercial real estate loans; real estate-mortgage loans; real estate construction and land development loans; agricultural loans; commercial and industrial loans; and consumer loans, including personal installment loans, personal lines of credit, automobile loans, and credit card loans. It also offers credit cards, ATM cards, debit cards, merchant services, telephone banking and Internet banking services and through its trust services division, it provides personal and retirement plan services.

Fiscal Year End Date: 12/31

(Values in U.S. Thousands) Dec, 2024 Dec, 2023 Dec, 2022 Dec, 2021 Dec, 2020
Sales 112,880 97,870 68,030 54,000 47,490
Sales Growth +15.34% +43.86% +25.98% +13.71% +9.91%
Net Income 15,340 9,360 14,520 11,020 11,170
Net Income Growth +63.89% -35.54% +31.76% -1.34% +14.45%
(Values in U.S. Thousands) Dec, 2024 Dec, 2023 Dec, 2022 Dec, 2021 Dec, 2020
Total Assets 1,866,220 1,825,600 1,616,720 1,303,040 1,130,150
Total Assets Growth +2.23% +12.92% +24.07% +15.30% +28.82%
Total Liabilities 1,747,230 1,717,220 1,514,990 1,192,760 1,025,080
Total Liabilities Growth +1.75% +13.35% +27.02% +16.36% +31.25%
(Values in U.S. Thousands) Dec, 2024 Dec, 2023 Dec, 2022 Dec, 2021 Dec, 2020
Operating Cash Flow 18,760 6,880 13,810 14,220 11,010
Operating Cash Flow Growth +172.67% -50.18% -2.88% +29.16% -3.00%
Net Cash Flow 54,810 71,460 2,830 -15,850 46,260
Change in Net Cash Flow -23.30% +2,425.09% +117.85% -134.26% +202.16%
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