Eagle Financial Services Inc. (EFSI)
Nasdaq · State Commercial Banks · Finance, insurance and real estate · CIK 880641 · fiscal year ends in Dec
Closing price $45.69 on 30 Oct 2026; 52-week range $32.01 to $47.01.
Key figures
The last twelve months reported, with the latest price and balance sheet.
- Revenue, last twelve months
- $90.5M
- Revenue growth
- 37.5%
- Net income, last twelve months
- $18.6M
- Earnings per share
- $3.46
- Net margin
- 20.6%
- Free cash flow
- $8.1M
- Return on equity
- 9.6%
- Market value
- $247.3M
- Price to earnings
- 13.2x
- Dividend yield
- 2.7%
- Cash
- $144.0M
- Debt
- $29.6M
- Debt to equity
- 0.15
- Shares outstanding
- 5.4M
Financial statements
Revenue, profit and cash flow by fiscal year, each year linked to its annual report.
| Fiscal year | Year end | Revenue | Operating income | Net income | EPS | Free cash flow | Filing |
|---|---|---|---|---|---|---|---|
| FY2025 | 31 Dec 2025 | $69.5M | – | $8.2M | $1.59 | $24.3M | 10-K filed 16 Mar 2026 |
| FY2024 | 31 Dec 2024 | $72.8M | – | $15.3M | $4.32 | $17.7M | 10-K filed 31 Mar 2025 |
| FY2023 | 31 Dec 2023 | $65.0M | – | $9.4M | $2.66 | $5.8M | 10-K filed 29 Mar 2024 |
| FY2022 | 31 Dec 2022 | $62.6M | – | $14.5M | $4.17 | $13.0M | 10-K filed 29 Mar 2023 |
| FY2021 | 31 Dec 2021 | $52.3M | – | $11.0M | $3.20 | $15.9M | 10-K filed 30 Mar 2022 |
By quarter
| Quarter | Quarter end | Revenue | Net income | EPS |
|---|---|---|---|---|
| Q2 FY2026 | 30 Jun 2026 | $25.6M | $5.0M | $0.92 |
| Q1 FY2026 | 31 Mar 2026 | $20.8M | $3.7M | $0.69 |
| Q4 FY2025 | 31 Dec 2025 | $21.7M | $4.3M | $0.81 |
| Q3 FY2025 | 30 Sep 2025 | $22.4M | $5.6M | $1.04 |
| Q2 FY2025 | 30 Jun 2025 | $20.6M | $5.3M | $0.98 |
| Q1 FY2025 | 31 Mar 2025 | $4.8M | -$7.0M | -$1.53 |
| Q4 FY2024 | 31 Dec 2024 | $22.0M | $6.2M | $1.74 |
| Q3 FY2024 | 30 Sep 2024 | $18.4M | $3.4M | $0.97 |
Company events
The newest 8-K filings of 180 held.
| Filed | Form | Event | Items |
|---|---|---|---|
| 22 Oct 2026 | 8-K | Results, Investor update, Other events | 2.02, 7.01, 8.01, 9.01 |
| 8 Sep 2026 | 8-K | Material agreement, Investor update | 1.01, 7.01, 9.01 |
| 23 Jul 2026 | 8-K | Results, Investor update | 2.02, 7.01, 9.01 |
| 20 May 2026 | 8-K | Shareholder vote | 5.07, 9.01 |
| 23 Apr 2026 | 8-K | Results, Investor update | 2.02, 7.01, 9.01 |
| 27 Jan 2026 | 8-K | Leadership change | 5.02 |
| 26 Jan 2026 | 8-K | Results, Investor update | 2.02, 7.01, 9.01 |
| 21 Jan 2026 | 8-K | Other events | 8.01, 9.01 |
| 23 Oct 2025 | 8-K | Results, Investor update | 2.02, 7.01, 9.01 |
| 24 Jul 2025 | 8-K | Results, Investor update | 2.02, 7.01, 9.01 |
| 22 May 2025 | 8-K | Leadership change, Shareholder vote | 5.02, 5.07, 9.01 |
| 25 Apr 2025 | 8-K | Results, Investor update | 2.02, 7.01, 9.01 |
Every filing
The newest filings with the SEC of 383 held.
| Filed | Form | Period |
|---|---|---|
| 22 Oct 2026 | 425 | – |
| 22 Oct 2026 | 8-K | 22 Oct 2026 |
| 16 Oct 2026 | DEFM14A | – |
| 8 Sep 2026 | 425 | – |
| 8 Sep 2026 | 425 | – |
| 8 Sep 2026 | 425 | – |
| 8 Sep 2026 | 425 | – |
| 8 Sep 2026 | 8-K | 7 Sep 2026 |
| 10 Aug 2026 | 10-Q | 30 Jun 2026 |
| 23 Jul 2026 | 8-K | 23 Jul 2026 |
| 30 Jun 2026 | S-8 | – |
| 20 May 2026 | 8-K | 19 May 2026 |
Insider trades
Form 4 trades by officers, directors and 10% owners, last 12 months.
| Traded | Insider | Type | Shares | Price | Value | Held after | Form 4 |
|---|---|---|---|---|---|---|---|
| 29 Apr 2026 | Schmidt Marianne, EXECUTIVE OFFICER | Sale outside a trading plan | 388 | $37.95 | $14.7K | 3,757 | 1 May 2026 |
| 11 Mar 2026 | Hamberger Scott M, Director | Purchase | 909 | $33.00 | $30.0K | 2,550 | 12 Mar 2026 |
| 5 Mar 2026 | Hill Edward Iii, Director | Purchase | 939 | $34.62 | $32.5K | 5,600 | 6 Mar 2026 |
| 2 Mar 2026 | Lorey Brandon Craig, EXECUTIVE OFFICER | Purchase | 350 | $34.53 | $12.1K | 44,204 | 3 Mar 2026 |
| 27 Feb 2026 | Hamberger Scott M, Director | Purchase | 945 | $36.00 | $34.0K | 11,009 | 3 Mar 2026 |
| 30 Jan 2026 | Hamberger Scott M, Director | Purchase | 597 | $37.99 | $22.7K | 10,064 | 3 Feb 2026 |
| 3 Dec 2025 | Braithwaite Todd A, EXECUTIVE OFFICER | Sale outside a trading plan | 56 | $38.90 | $2.2K | 8,800 | 4 Dec 2025 |
Large holders
Schedule 13D and 13G filings by holders of more than 5% of the voting shares.
| Filed | Holder | Schedule | Stake | Shares |
|---|---|---|---|---|
| 14 Aug 2026 | Fourthstone LLC | 13G amended | 5.31% | 287.6K |
| 31 Jul 2026 | Vanguard Capital Management | 13G amended | 4.49% | 243.5K |
| 28 Jul 2026 | BlackRock, Inc. | 13G amended | 6.3% | 342.1K |
| 15 May 2026 | Fourthstone LLC | 13G amended | 9.83% | 532.2K |
| 15 May 2026 | Wellington Management Group LLP | 13G amended | 5.2% | 280.4K |
| 29 Apr 2026 | Vanguard Capital Management | 13G | 5.08% | 275.0K |
| 26 Mar 2026 | The Vanguard Group | 13G amended | 0% | 0 |
| 13 Feb 2026 | Fourthstone LLC | 13G amended | 8.44% | 453.9K |
| 21 Jan 2026 | BlackRock, Inc. | 13G | 5.2% | 279.1K |
Short interest
Shares sold short and not yet bought back, on each FINRA settlement date.
| Settlement | Shares short | Change | Days to cover |
|---|---|---|---|
| 15 Oct 2026 | 152.4K | +4.19% | 4.95 |
| 30 Sep 2026 | 146.3K | -1.48% | 4.07 |
| 15 Sep 2026 | 148.5K | +13.86% | 2.73 |
| 31 Aug 2026 | 130.4K | +12.48% | 2.65 |
| 14 Aug 2026 | 116.0K | +24.01% | 2.26 |
| 31 Jul 2026 | 93.5K | +14.25% | 1.44 |
| 15 Jul 2026 | 81.8K | -14.94% | 1 |
| 30 Jun 2026 | 96.2K | -0.21% | 1.01 |
Funds that hold it
From each fund's latest Form 13F.
86 funds held it at 30 Jun 2026: 46 added and 20 trimmed in the quarter. The largest:
| Fund | Shares | Value | Change in the quarter |
|---|---|---|---|
| BlackRock, Inc. | 345,268 | $14.3M | +64,736 |
| Fourthstone LLC | 287,575 | $11.9M | -244,624 |
| Wellington Management Group LLP | 279,083 | $11.6M | -1,317 |
| Vanguard Capital Management LLC | 212,734 | $8.8M | -31,008 |
| Graham Capital Wealth Management, LLC | 135,623 | $5.6M | -1,412 |
| Geode Capital Management, LLC | 118,250 | $4.9M | +15,041 |
| State Street Corp. | 90,307 | $3.7M | +5,700 |
| AllianceBernstein L.P. | 93,516 | $3.3M | -10,200 |
| Maltese Capital Management LLC | 65,700 | $2.7M | -41,445 |
| Two Sigma Investments, LP | 62,357 | $2.6M | +45,944 |
Peers
Companies in the same industry.
- Bank of Nova Scotia (BNS): revenue $27.0B, market value $115.9B
- Bank of New York Mellon Corp. (BNY): revenue $22.0B, market value $99.0B
- Itaú Unibanco Holding S.A. (ITUB): revenue $30.1B, market value $78.6B
- Fifth Third Bancorp (FITB): revenue $10.7B, market value $48.9B
- State Street Corp. (STT): revenue $15.5B, market value $46.3B
- M&T Bank Corp. (MTB): revenue $10.0B, market value $31.9B
- Northern Trust Corp. (NTRS): revenue $9.3B, market value $30.7B
- Banco Bradesco S.A. (BBD): revenue –, market value $27.0B
- Citizens Financial Group Inc. (CFG): revenue $8.9B, market value $26.9B
- First Citizens Bancshares Inc. (FCNCA): revenue $9.6B, market value $26.6B