Company research
EAGLE FINANCIAL SERVICES INC
CIK 880641Updated Sep 24, 2026
SecurityEFSI · NASDAQ · equity
EFSI price & chart
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NASDAQ:EFSI on TradingView ↗About the company
Eagle Financial Services, Inc. (Nasdaq: EFSI) is the parent company of Bank of Clarke, a Virginia state-chartered bank established in 1881 and headquartered in Berryville, Virginia. Bank of Clarke serves customers from the Shenandoah Valley to Northern Virginia through 14 full-service branches, a drive-through facility and a loan production office in Rockville, Maryland, and offers community banking, wealth management, and mortgage and SBA banking services. As of June 30, 2026, Eagle Financial Services had total assets of $1.8 billion, total deposits of $1.6 billion and gross loans of $1.5 billion, and its wealth management business had approximately $599 million in assets under management.
In the news
BRODSKY & SMITH SHAREHOLDER UPDATE: Notifying Investors of the Following Investigations: Eagle Financial Services, Inc. (Nasdaq: EFSI), Safety Insurance Group, Inc. (Nasdaq – SAFT), Utz Brands, Inc. (NYSE – UTZ), Distribution Solutions Group, Inc. (Nasdaq – DSGR) ↗
EFSI SHAREHOLDER ALERT: Ademi LLP Investigates Whether the $46.72 Buyout Fairly Values EFSI ↗
EAGLE FINANCIAL SERVICES, INC. ANNOUNCES 2026 SECOND QUARTER FINANCIAL RESULTS AND QUARTERLY DIVIDEND ↗
Recent filings
425 filing
425 filing
425 filing
425 filing
Entry into a Material Definitive Agreement · Regulation FD Disclosure
Items 1.01, 7.01, 9.01
Show 5 more recent filings
Financials
FY 2025 · USDSource
Source
Source
balance sheet · annual statements
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|
| ASSETS | ||||
| AssetsUSD | 1,888,626,000Source | 1,866,215,000Source | 1,825,597,000Source | 1,616,717,000Source |
| Property, Plant and Equipment, NetUSD | 14,906,000Source | 14,339,000Source | 18,108,000Source | 18,064,000Source |
| Operating Lease, Right-of-Use AssetUSD | 9,438,000Source | 9,465,000Source | 4,387,000Source | 4,766,000Source |
| LIABILITIES AND EQUITY | ||||
| LiabilitiesUSD | 1,699,787,000Source | 1,747,228,000Source | 1,717,218,000Source | 1,514,988,000Source |
| Stockholders’ equity: | ||||
| Preferred Stock, Value, IssuedUSD | 0Source | 0Source | 0Source | 0Source |
| Common Stock, Value, IssuedUSD | 13,264,000Source | 8,714,000Source | 8,660,000Source | 8,629,000Source |
| Additional Paid in CapitalUSD | 64,720,000Source | 14,901,000Source | 14,280,000Source | 13,268,000Source |
| Retained Earnings (Accumulated Deficit)USD | 116,115,000Source | 114,012,000Source | 103,445,000Source | 100,278,000Source |
| Accumulated Other Comprehensive Income (Loss), Net of TaxUSD | -5,260,000Source | -18,640,000Source | -18,006,000Source | -20,446,000Source |
| Stockholders' Equity Attributable to ParentUSD | 188,839,000Source | 118,987,000Source | 108,379,000Source | 101,729,000Source |
| Liabilities and EquityUSD | 1,888,626,000Source | 1,866,215,000Source | 1,825,597,000Source | 1,616,717,000Source |
cash flow · annual statements
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|
| Cash flows from operating activities: | ||||
| Adjustments to reconcile net income to net cash provided by operating activities: | ||||
| Share-based Payment Arrangement, Noncash ExpenseUSD | 1,216,000Source | 912,000Source | 1,213,000Source | 1,017,000Source |
| Deferred Income Tax Expense (Benefit)USD | 221,000Source | 600,000Source | -1,509,000Source | -86,000Source |
| Net Cash Provided by (Used in) Operating ActivitiesUSD | 25,754,000Source | 18,762,000Source | 6,875,000Source | 13,814,000Source |
| Cash flows from investing activities: | ||||
| Net Cash Provided by (Used in) Investing ActivitiesUSD | -965,000Source | 16,746,000Source | -130,284,000Source | -331,336,000Source |
| Payments to Acquire Property, Plant, and EquipmentUSD | 1,406,000Source | 1,019,000Source | 1,071,000Source | 838,000Source |
| Cash flows from financing activities: | ||||
| Net Cash Provided by (Used in) Financing ActivitiesUSD | -754,000Source | 19,298,000Source | 194,868,000Source | 320,348,000Source |
| Payments of Ordinary Dividends, Common StockUSD | 6,111,000Source | 4,299,000Source | 4,229,000Source | 3,808,000Source |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Including Exchange Rate EffectUSD | 24,035,000Source | 54,806,000Source | 71,459,000Source | 2,826,000Source |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash EquivalentsUSD | 217,194,000Source | 193,159,000Source | 138,353,000Source | 66,894,000Source |
| Supplemental disclosure of cash flow information: | ||||
| Interest Paid, Excluding Capitalized Interest, Operating ActivitiesUSD | 37,233,000Source | 40,142,000Source | 31,332,000Source | 4,563,000Source |
| Income Taxes Paid, NetUSD | 2,014,000Source | — | — | — |
| Additional Financial Items | ||||
| Amortization of Debt Issuance CostsUSD | 67,000Source | 67,000Source | 67,000Source | 51,000Source |
| Bank Owned Life Insurance IncomeUSD | 1,099,000Source | 1,981,000Source | 713,000Source | 626,000Source |
| Debt and Equity Securities, Gain (Loss)USD | -12,425,000Source | — | 0Source | -737,000Source |
| Debt Securities, Available-for-sale, Realized Gain (Loss)USD | -12,425,000Source | — | — | — |
| Deferred Other Tax Expense (Benefit)USD | — | 600,000Source | -1,509,000Source | -86,000Source |
| DepreciationUSD | 780,000Source | 979,000Source | 1,002,000Source | 979,000Source |
| Equipment ExpenseUSD | 1,703,000Source | 1,657,000Source | 1,299,000Source | 1,121,000Source |
| Gain (Loss) on Disposition of Property Plant Equipment, Excluding Oil and Gas Property and Timber PropertyUSD | -19,000Source | 3,863,000Source | 14,000Source | 11,000Source |
| Gain (Loss) on Disposition of Other AssetsUSD | -302,000Source | -204,000Source | — | — |
| Gain (Loss) on Disposition of Property Plant EquipmentUSD | — | — | — | -11,000Source |
| Gain (Loss) on Sales of Loans, NetUSD | 3,370,000Source | 2,141,000Source | 1,428,000Source | 1,875,000Source |
| Goodwill, Impairment LossUSD | — | — | 0Source | — |
| Income Tax Expense (Benefit)USD | 1,711,000Source | 3,558,000Source | 1,276,000Source | 3,150,000Source |
| Net Income (Loss) Attributable to ParentUSD | 8,214,000Source | 15,343,000Source | 9,357,000Source | 14,521,000Source |
| Proceeds from Issuance of Common StockUSD | 53,501,000Source | — | — | — |
| Proceeds from Maturities, Prepayments and Calls of Debt Securities, Available-for-saleUSD | 22,662,000Source | 20,046,000Source | 14,473,000Source | 27,630,000Source |
| Provision for Loan, Lease, and Other LossesUSD | 3,880,000Source | 2,525,000Source | 1,641,000Source | 1,830,000Source |
| Realized Investment Gains (Losses)USD | 12,400,000Source | — | — | — |
| Unrealized Gain (Loss) on InvestmentsUSD | 16,946,000Source | -791,000Source | -3,095,000Source | -25,685,000Source |
income statement · annual statements
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|
| Total RevenueUSD | — | — | 0Source | 3,000Source |
| Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling InterestUSD | 9,925,000Source | 18,901,000Source | 10,633,000Source | 17,671,000Source |
| Income Tax Expense (Benefit)USD | 1,711,000Source | 3,558,000Source | 1,276,000Source | 3,150,000Source |
| Net Income (Loss) Attributable to ParentUSD | 8,214,000Source | 15,343,000Source | 9,357,000Source | 14,521,000Source |
| Earnings Per Share, BasicUSD per share | 1.59Source | 4.32Source | 2.66Source | 4.17Source |
| Earnings Per Share, DilutedUSD per share | 1.59Source | 4.32Source | 2.66Source | 4.17Source |
| Weighted Average Number of Shares Outstanding, Basicshares | 5,178,488Source | 3,553,919Source | 3,523,547Source | 3,482,368Source |
| Weighted Average Number of Shares Outstanding, Dilutedshares | 5,178,488Source | 3,553,919Source | 3,523,547Source | 3,482,368Source |
| Additional Financial Items | ||||
| Bank Owned Life Insurance IncomeUSD | 1,099,000Source | 1,981,000Source | 713,000Source | 626,000Source |
| Common Stock, Dividends, Per Share, DeclaredUSD per share | 1.24Source | 1.21Source | 1.2Source | 1.15Source |
| Current Income Tax Expense (Benefit)USD | — | 2,958,000Source | 2,785,000Source | 3,236,000Source |
| Debt and Equity Securities, Gain (Loss)USD | -12,425,000Source | — | 0Source | -737,000Source |
| Equipment ExpenseUSD | 1,703,000Source | 1,657,000Source | 1,299,000Source | 1,121,000Source |
| Goodwill, Impairment LossUSD | — | — | 0Source | — |
| Interest ExpenseUSD | — | — | 32,837,000Source | 5,473,000Source |
| InterestExpenseOperatingUSD | 36,391,000Source | 40,094,000Source | — | — |
| Interest Income (Expense), NetUSD | 62,614,000Source | 51,227,000Source | 50,291,000Source | 49,213,000Source |
| Labor and Related ExpenseUSD | 33,203,000Source | 30,059,000Source | 30,306,000Source | 25,730,000Source |
| Marketing and Advertising ExpenseUSD | 861,000Source | 1,038,000Source | 1,157,000Source | 770,000Source |
| Other Operating IncomeUSD | — | 406,000Source | — | — |
| Realized Investment Gains (Losses)USD | 12,400,000Source | — | — | — |
Filing attachments
d436411dex991.htm · 8-K · 2026-09-08
EX-99.1 5 d436411dex991.htm EX-99.1 EX-99.1 Exhibit 99.1 1 JMSB Palette 197 0 30 48 62 87 + 27 0 31 181 43 247 200 151 ST R AT EG I C M E R G E R 162 153 115 155 From the Shenandoah Valley to the Nation’s Capital 198 232 198 238 198 245 Merger Investor Presentation 251 John Marshall Bancorp, Inc. (Nasdaq: JMSB) Eagle Financial Services, Inc. (Nasdaq: EFSI) 227 233 September 8, 2026 EFSI Palette 0 14 150 79 127 94 0 28 48 31 87 82 224 242 239 2 JMSB Palette Disclaimer 197 0 30 48 62 87 Caut…
Read attachment ↗d436411dex992.htm · 8-K · 2026-09-08
EX-99.2 6 d436411dex992.htm EX-99.2 EX-99.2 Exhibit 99.2 FOR IMMEDIATE RELEASE September 8, 2026 ──────────────────────────────────────────────── John Marshall Bancorp, Inc. and Eagle Financial Services, Inc. Announce Strategic Merger Uniting Two of Virginia’s Leading Community Banks RESTON, Va. and BERRYVILLE, Va., September 8, 2026 - John Marshall Bancorp, Inc. (Nasdaq: JMSB) (“John Marshall” or the “Company”), the parent company of John Marshall Bank, and Eagle Financial Ser…
Read attachment ↗efsi-ex99_1.htm · 8-K · 2026-07-23
EX-99.1 2 efsi-ex99_1.htm EX-99.1 EX-99.1 Exhibit 99.1 EAGLE FINANCIAL SERVICES, INC. ANNOUNCES 2026 SECOND QUARTER FINANCIAL RESULTS AND QUARTERLY DIVIDEND Contact: Kathleen J. Chappell, Executive Vice President and CFO 540-955-2510 kchappell@bankofclarke.com BERRYVILLE, VIRGINIA (July 23, 2026) - Eagle Financial Services, Inc. (NASDAQ: EFSI) (the "Company"), the holding company for Bank of Clarke, …
Read attachment ↗efsi-ex99_2.htm · 8-K · 2026-07-23
EX-99.2 3 efsi-ex99_2.htm EX-99.2 Forward Looking Statements Forward Looking Statements Certain information contained in this Presentation (together with oral statements made in connection herewith, this “Presentation”) may include “forward-looking statements” within the meaning of the “safe harbor” provisions of the United States Private Securities Litigation Reform Act of 1995. These forward-looking statements relate to future operations of Eagle Financial Services, Inc. (the “Company,” “w…
Read attachment ↗efsi-ex99_1.htm · 8-K · 2026-04-23
EX-99.1 2 efsi-ex99_1.htm EX-99.1 EX-99.1 Exhibit 99.1 EAGLE FINANCIAL SERVICES, INC. ANNOUNCES 2026 FIRST QUARTER FINANCIAL RESULTS AND QUARTERLY DIVIDEND Contact: Kathleen J. Chappell, Executive Vice President and CFO 540-955-2510 kchappell@bankofclarke.com BERRYVILLE, VIRGINIA (April 23, 2026) - Eagle Financial Services, Inc. (NASDAQ: EFSI) (the "Company"), the holding company for Bank of Clarke, …
Read attachment ↗efsi-ex99_2.htm · 8-K · 2026-04-23
EX-99.2 3 efsi-ex99_2.htm EX-99.2 Forward Looking Statements Investment Highlights Balance Sheet Growth Deposit Portfolio Loan Portfolio Asset Quality Earnings, Book Value and Dividends Yield and Cost Analysis Profitability Metrics Capital Ratios Non-GAAP Reconciliation Non-GAAP Reconciliation
Read attachment ↗