MARKETS / NASDAQ / Financials / Banks / EFSI

NASDAQ · STATE COMMERCIAL BANKS · MID CAP

Eagle Financial Services Inc. EFSI

17 fiscal years on record · USD · FY2025 reported · SEC filings only

Net income

$8.2M

▼ 46.5% YoY

Free cash flow

$24.3M

▲ 37.2% YoY

Slide the table for earlier years · "·" marks a figure not available in our data for that year.

Growth

Revenue, FY2025 · full 17-year series below

Compound annual growth

Net income

−17.3%

−6.0%

+1.8%

+5.6%

Returned to shareholders

+17.1%

+13.8%

+11.5%

+9.1%

3 yrs

5 yrs

10 yrs

15 yrs

Compound annual rates per period — left blank where that exact year isn't on file, the series crosses a loss, or (per-share rows) a split falls inside the window.

Profitability

ROE

FY2025 · ROE 5.3%

5%10%

200920172025

Three returns, three denominators.

Return on equity5.3%

Return on assets0.4%

Return on capital employedNot available: we don't have total assets or current liabilities for this period.

Gross margin·

Operating margin·

Net margin·

EBITDAUSD 10.7M

Each USD of equity produced 5 cents of profit this year.

Cash & shareholders

USD 6.1M

returned in FY2025 · dividends + net buybacks

Free cash flow $M

FY2025 · FCF 24.3

10M20M

200920172025

Net buybacks $M Dividends $M

FY2025 · Dividends 6.1 · Net buybacks ·

2.5M5.0MDividendsNet buybacks

200920112013201520172019202120232025

Dividends paidUSD 6.1M

Net buybacks·

Share of profit74.4%

Consecutive raises·

USD 6.1M in dividends — 74% of the year's profit went back to shareholders.

Total assetsUSD 1.9B

EquityUSD 188.8M

CashUSD 217.2M

Equity funds 10% of total assets.

The 17-year record

17 fiscal years

Every figure from documents filed with the SEC · USD

EPS, diluted, dividend per share and shares outstanding are shown without shading, and a vertical line marks the year the share count changed — the series crosses a large, unexplained change in share count, so the years on either side are not on a comparable scale.

row low → row highnegative—not applicable◌not available in our data

EFSI, 17-year financial record
Metric	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009
Revenue $B	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌
Operating income $B	0.0	0.0	0.0	0.0	0.0	0.0	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌
EBITDA $B	0.0	0.0	0.0	0.0	0.0	0.0	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌
Income tax $B	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Net income $B	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Free cash flow $B	0.0	0.0	0.0	0.0	0.0	0.0	0.0	−0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
EPS, diluted $	1.59	4.32	2.66	4.17	3.20	3.27	2.84	2.60	2.24	1.81	1.97	2.08	2.11	1.96	1.31	1.11	1.08
Dividend / sh $	1.24	1.21	1.20	1.15	1.10	1.04	1.00	0.94	0.88	0.82	0.80	0.77	0.76	0.73	0.72	0.69	0.68
Payout %	74	28	45	26	30	29	31	31	34	37	30	27	27	28	41	46	46
ROE %	5.3	13.5	8.9	13.7	10.2	11.1	10.6	10.5	9.5	8.1	9.1	10.2	11.0	10.8	7.7	6.8	6.7
Shares out B	0.01	0.00	0.00	0.00	0.00	0.00	0.00	◌	◌	◌	◌	◌	◌	◌	◌	◌	◌

Slide the table for earlier years. "—" not applicable · "◌" not available in our data.

Other companies filing in the same sector

UNH · BRK-A · BRK-B · CI · ELV · CNC

Provenance

Company facts, as filed

How we verify · 0 failures in 49 reconciliationsAUDITED

Reconciled in 17 of the 17 fiscal years we could check. Three checks were skipped: the share count is not tagged before 2010. Three checks were skipped: the balance sheet is not tagged before 2010.

EPS recomputationBalance-sheet identityGross profitBalance-sheet liquidityCurrency consistency0 failures

ActivityState Commercial Banks

Listed onNASDAQ

Incorporated inVirginia

Fiscal year endsDecember 31

SEC categorysmaller reporting company

Data on record since2009