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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, 2025 Sep, 2025 Jun, 2025 Mar, 2025 Dec, 2024
Sales 30,110 31,100 29,730 14,950 32,510
Sales Growth -3.18% +4.61% +98.86% -54.01% +12.34%
Net Income 4,330 5,580 5,270 -6,970 6,190
Net Income Growth -22.40% +5.88% +175.61% -212.60% +80.99%
(Values in U.S. Thousands) Dec, 2025 Sep, 2025 Jun, 2025 Mar, 2025 Dec, 2024
Total Assets 1,932,470 2,035,080 1,904,480 1,866,220 1,881,700
Total Assets Growth -5.04% +6.86% +2.05% -0.82% +5.10%
Total Liabilities 1,746,890 1,855,430 1,728,000 1,747,230 1,763,860
Total Liabilities Growth -5.85% +7.37% -1.10% -0.94% +5.04%
(Values in U.S. Thousands) Dec, 2025 Sep, 2025 Jun, 2025 Mar, 2025 Dec, 2024
Operating Cash Flow 16,580 8,370 5,800 18,760 12,450
Operating Cash Flow Growth +98.09% +44.31% -69.08% +50.68% +152.54%
Net Cash Flow 74,970 202,840 71,790 54,810 42,840
Change in Net Cash Flow -63.04% +182.55% +30.98% +27.94% +391.43%
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