Company research
EAGLE FINANCIAL SERVICES INC
CIK 880641Updated Nov 11, 2026
SecurityEFSI · NASDAQ · equity
Historical securities (1)
EFSI · OTC · equity · closed Feb 7, 2025EFSI 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
EAGLE FINANCIAL SERVICES, INC. ANNOUNCES 2026 THIRD QUARTER FINANCIAL RESULTS AND QUARTERLY DIVIDEND ↗
BRODSKY & SMITH SHAREHOLDER UPDATE: Notifying Investors of the Following Investigations: The Baldwin Group, Inc. (Nasdaq – BWIN), Eagle Financial Services, Inc. (Nasdaq: EFSI), Utz Brands, Inc. (NYSE – UTZ), Distribution Solutions Group, Inc. (Nasdaq – DSGR) ↗
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) ↗
Recent filings
10-Q filing
425 filing
425 filing
Results of Operations and Financial Condition · Regulation FD Disclosure · Other Events
Items 2.02, 7.01, 8.01, 9.01
DEFM14A filing
Show 5 more recent filings
Financials
FY 2025 · USDSource
Source
Source
balance sheet · annual statements
| Line item | Q3 2025 | Q3 2024 | Q2 2026 | Q2 2025 | Q2 2024 | Q1 2026 | Q1 2025 | Q1 2024 | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ASSETS | ||||||||||||
| AssetsUSD | 1,932,473,000Source | 1,881,701,000Source | 1,847,365,000Source | 2,035,080,000Source | 1,790,405,000Source | 1,838,360,000Source | 1,904,477,000Source | 1,782,901,000Source | 1,888,626,000Source | 1,866,215,000Source | 1,825,597,000Source | 1,616,717,000Source |
| Property, Plant and Equipment, NetUSD | 14,878,000Source | 18,101,000Source | 14,974,000Source | 14,693,000Source | 18,114,000Source | 14,911,000Source | 14,625,000Source | 17,954,000Source | 14,906,000Source | 14,339,000Source | 18,108,000Source | 18,064,000Source |
| Operating Lease, Right-of-Use AssetUSD | 9,641,000Source | 4,097,000Source | 9,276,000Source | 9,843,000Source | 4,194,000Source | 9,259,000Source | 10,044,000Source | 4,291,000Source | 9,438,000Source | 9,465,000Source | 4,387,000Source | 4,766,000Source |
| LIABILITIES AND EQUITY | ||||||||||||
| LiabilitiesUSD | 1,746,892,000Source | 1,763,857,000Source | 1,653,460,000Source | 1,855,432,000Source | 1,679,290,000Source | 1,648,034,000Source | 1,728,002,000Source | 1,675,196,000Source | 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 | 0Source | 0Source | 0Source | 0Source | 0Source | 0Source | 0Source | 0Source |
| Common Stock, Value, IssuedUSD | 13,260,000Source | 8,714,000Source | 13,311,000Source | 13,260,000Source | 8,707,000Source | 13,311,000Source | 13,252,000Source | 8,705,000Source | 13,264,000Source | 8,714,000Source | 8,660,000Source | 8,629,000Source |
| Additional Paid in CapitalUSD | 64,458,000Source | 14,633,000Source | 65,189,000Source | 64,154,000Source | 14,604,000Source | 64,802,000Source | 63,922,000Source | 14,368,000Source | 64,720,000Source | 14,901,000Source | 14,280,000Source | 13,268,000Source |
| Retained Earnings (Accumulated Deficit)USD | 113,448,000Source | 108,927,000Source | 121,481,000Source | 109,530,000Source | 106,567,000Source | 118,178,000Source | 105,928,000Source | 104,449,000Source | 116,115,000Source | 114,012,000Source | 103,445,000Source | 100,278,000Source |
| Accumulated Other Comprehensive Income (Loss), Net of TaxUSD | -5,585,000Source | -14,430,000Source | -6,076,000Source | -7,296,000Source | -18,763,000Source | -5,965,000Source | -6,627,000Source | -19,817,000Source | -5,260,000Source | -18,640,000Source | -18,006,000Source | -20,446,000Source |
| Stockholders' Equity Attributable to ParentUSD | 185,581,000Source | 117,844,000Source | 193,905,000Source | 179,648,000Source | 111,115,000Source | 190,326,000Source | 176,475,000Source | 107,705,000Source | 188,839,000Source | 118,987,000Source | 108,379,000Source | 101,729,000Source |
| Liabilities and EquityUSD | 1,932,473,000Source | 1,881,701,000Source | 1,847,365,000Source | 2,035,080,000Source | 1,790,405,000Source | 1,838,360,000Source | 1,904,477,000Source | 1,782,901,000Source | 1,888,626,000Source | 1,866,215,000Source | 1,825,597,000Source | 1,616,717,000Source |
| Long-term Debt | — | — | —Source | — | — | —Source | — | — | — | — | — | — |
cash flow · annual statements
| Line item | Q4 2025 | Q4 2024 | Q3 2025 | Q3 2024 | Q2 2026 | Q2 2025 | Q1 2026 | Q1 2025 | 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 | — | — | — | — | — | — | 413,000Source | 323,000Source | 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 | — | — | — | — | — | — | 4,296,000Source | 5,800,000Source | 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 | — | — | — | — | — | — | 19,379,000Source | 30,226,000Source | -965,000Source | 16,746,000Source | -130,284,000Source | -331,336,000Source |
| Payments to Acquire Property, Plant, and EquipmentUSD | — | — | — | — | — | — | 209,000Source | 537,000Source | 1,406,000Source | 1,019,000Source | 1,071,000Source | 838,000Source |
| Cash flows from financing activities: | ||||||||||||
| Net Cash Provided by (Used in) Financing ActivitiesUSD | — | — | — | — | — | — | -51,102,000Source | 35,761,000Source | -754,000Source | 19,298,000Source | 194,868,000Source | 320,348,000Source |
| Payments of Ordinary Dividends, Common StockUSD | — | — | — | — | — | — | 1,677,000Source | 1,110,000Source | 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 | — | — | — | — | — | — | -27,427,000Source | 71,787,000Source | 24,035,000Source | 54,806,000Source | 71,459,000Source | 2,826,000Source |
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash EquivalentsUSD | — | — | 268,129,000Source | 181,191,000Source | 143,992,000Source | 396,002,000Source | 189,767,000Source | 264,946,000Source | 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 | — | — | — | — | — | — | 8,448,000Source | 10,576,000Source | 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 | — | — | — | — | — | — | 17,000Source | 17,000Source | 67,000Source | 67,000Source | 67,000Source | 51,000Source |
| Bank Owned Life Insurance IncomeUSD | — | — | 268,000Source | 930,000Source | 289,000Source | 278,000Source | 284,000Source | 273,000Source | 1,099,000Source | 1,981,000Source | 713,000Source | 626,000Source |
| Debt and Equity Securities, Gain (Loss)USD | — | — | — | — | — | — | 0Source | -12,425,000Source | -12,425,000Source | — | 0Source | -737,000Source |
| Debt Securities, Available-for-sale, Realized Gain (Loss)USD | — | — | — | — | 0Source | 0Source | — | -12,425,000Source | -12,425,000Source | — | — | — |
| Deferred Other Tax Expense (Benefit)USD | — | — | — | — | — | — | — | — | — | 600,000Source | -1,509,000Source | -86,000Source |
| DepreciationUSD | — | — | — | — | — | — | 204,000Source | 198,000Source | 780,000Source | 979,000Source | 1,002,000Source | 979,000Source |
| Equipment ExpenseUSD | — | — | 437,000Source | 427,000Source | 451,000Source | 401,000Source | 462,000Source | 423,000Source | 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 | — | — | — | — | -4,000Source | 0Source | 0Source | 16,000Source | -19,000Source | 3,863,000Source | 14,000Source | 11,000Source |
| Gain (Loss) on Disposition of Other AssetsUSD | — | — | 0Source | -204,000Source | 0Source | 0Source | -39,000Source | -133,000Source | -302,000Source | -204,000Source | — | — |
| Gain (Loss) on Disposition of Property Plant EquipmentUSD | — | — | — | — | — | — | — | — | — | — | — | -11,000Source |
| Gain (Loss) on Sales of Loans, NetUSD | — | — | — | — | — | — | 1,012,000Source | 424,000Source | 3,370,000Source | 2,141,000Source | 1,428,000Source | 1,875,000Source |
| Goodwill, Impairment LossUSD | — | — | — | — | — | — | — | — | — | — | 0Source | — |
| Income Tax Expense (Benefit)USD | — | — | 1,324,000Source | 550,000Source | 1,545,000Source | 1,278,000Source | 918,000Source | -2,066,000Source | 1,711,000Source | 3,558,000Source | 1,276,000Source | 3,150,000Source |
| Net Income (Loss) Attributable to ParentUSD | — | — | 5,584,000Source | 3,424,000Source | 4,981,000Source | 5,270,000Source | 3,740,000Source | -6,974,000Source | 8,214,000Source | 15,343,000Source | 9,357,000Source | 14,521,000Source |
| Proceeds from Issuance of Common StockUSD | — | — | — | — | — | — | 0Source | 53,501,000Source | 53,501,000Source | — | — | — |
| Proceeds from Maturities, Prepayments and Calls of Debt Securities, Available-for-saleUSD | — | — | — | — | — | — | 13,302,000Source | 3,277,000Source | 22,662,000Source | 20,046,000Source | 14,473,000Source | 27,630,000Source |
| Provision for Loan, Lease, and Other LossesUSD | — | — | 1,131,000Source | 1,526,000Source | 3,207,000Source | 856,000Source | 1,972,000Source | 1,146,000Source | 3,880,000Source | 2,525,000Source | 1,641,000Source | 1,830,000Source |
| Realized Investment Gains (Losses)USD | — | — | — | — | — | — | — | 12,400,000Source | 12,400,000Source | — | — | — |
| Unrealized Gain (Loss) on InvestmentsUSD | — | — | — | — | — | — | -892,000Source | 15,206,000Source | 16,946,000Source | -791,000Source | -3,095,000Source | -25,685,000Source |
income statement · annual statements
| Line item | Q4 2025 | Q4 2024 | Q3 2025 | Q3 2024 | Q2 2026 | Q2 2025 | Q1 2026 | Q1 2025 | FY 2025 | FY 2024 | FY 2023 | FY 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total RevenueUSD | — | — | — | — | — | — | — | — | — | — | 0Source | 3,000Source |
| Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling InterestUSD | — | — | 6,908,000Source | 3,974,000Source | 6,526,000Source | 6,548,000Source | 4,658,000Source | -9,040,000Source | 9,925,000Source | 18,901,000Source | 10,633,000Source | 17,671,000Source |
| Income Tax Expense (Benefit)USD | — | — | 1,324,000Source | 550,000Source | 1,545,000Source | 1,278,000Source | 918,000Source | -2,066,000Source | 1,711,000Source | 3,558,000Source | 1,276,000Source | 3,150,000Source |
| Net Income (Loss) Attributable to ParentUSD | — | — | 5,584,000Source | 3,424,000Source | 4,981,000Source | 5,270,000Source | 3,740,000Source | -6,974,000Source | 8,214,000Source | 15,343,000Source | 9,357,000Source | 14,521,000Source |
| Earnings Per Share, BasicUSD per share | — | — | 1.04Source | 0.97Source | 0.92Source | 0.98Source | 0.69Source | -1.53Source | 1.59Source | 4.32Source | 2.66Source | 4.17Source |
| Earnings Per Share, DilutedUSD per share | — | — | 1.04Source | 0.97Source | 0.92Source | 0.98Source | 0.69Source | -1.53Source | 1.59Source | 4.32Source | 2.66Source | 4.17Source |
| Weighted Average Number of Shares Outstanding, Basicshares | — | — | 5,376,346Source | 3,552,026Source | 5,412,016Source | 5,378,214Source | 5,412,021Source | 4,572,297Source | 5,178,488Source | 3,553,919Source | 3,523,547Source | 3,482,368Source |
| Weighted Average Number of Shares Outstanding, Dilutedshares | — | — | 5,376,346Source | 3,552,026Source | 5,412,016Source | 5,378,214Source | 5,412,021Source | 4,572,297Source | 5,178,488Source | 3,553,919Source | 3,523,547Source | 3,482,368Source |
| Additional Financial Items | ||||||||||||
| Bank Owned Life Insurance IncomeUSD | — | — | 268,000Source | 930,000Source | 289,000Source | 278,000Source | 284,000Source | 273,000Source | 1,099,000Source | 1,981,000Source | 713,000Source | 626,000Source |
| Common Stock, Dividends, Per Share, DeclaredUSD per share | — | — | 0.31Source | 0.3Source | 0.31Source | 0.31Source | 0.31Source | 0.31Source | 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 | — | — | — | — | — | — | 0Source | -12,425,000Source | -12,425,000Source | — | 0Source | -737,000Source |
| Equipment ExpenseUSD | — | — | 437,000Source | 427,000Source | 451,000Source | 401,000Source | 462,000Source | 423,000Source | 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 | — | — | 8,734,000Source | 10,529,000Source | 7,405,000Source | 9,117,000Source | 7,923,000Source | 10,166,000Source | 36,391,000Source | 40,094,000Source | — | — |
| Interest Income (Expense), NetUSD | — | — | 17,199,000Source | 13,157,000Source | 16,970,000Source | 15,698,000Source | 15,903,000Source | 13,336,000Source | 62,614,000Source | 51,227,000Source | 50,291,000Source | 49,213,000Source |
| Labor and Related ExpenseUSD | — | — | 8,717,000Source | 7,548,000Source | 9,212,000Source | 7,845,000Source | 8,229,000Source | 7,179,000Source | 33,203,000Source | 30,059,000Source | 30,306,000Source | 25,730,000Source |
| Marketing and Advertising ExpenseUSD | — | — | 317,000Source | 247,000Source | 295,000Source | 152,000Source | 191,000Source | 183,000Source | 861,000Source | 1,038,000Source | 1,157,000Source | 770,000Source |
| Other Operating IncomeUSD | — | — | — | — | — | 142,000Source | — | — | — | 406,000Source | — | — |
| Realized Investment Gains (Losses)USD | — | — | — | — | — | — | — | 12,400,000Source | 12,400,000Source | — | — | — |
Filing attachments
efsi-ex99_1.htm · 425 · 2026-10-22
Exhibit 99.1 EAGLE FINANCIAL SERVICES, INC. ANNOUNCES 2026 THIRD QUARTER FINANCIAL RESULTS AND QUARTERLY DIVIDEND Contact: Kathleen J. Chappell, Executive Vice President and CFO 540-955-2510 kchappell@bankofclarke.com BERRYVILLE, VIRGINIA (October 22, 2026) - Eagle Financial Services, Inc. (NASDAQ: EFSI) (the "Company"), the holding company for Bank of Clarke ("the Bank"), announced its third quarter 2026…
Read attachment ↗efsi-ex99_2.htm · 425 · 2026-10-22
Forward Looking Statements 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 ↗efsi-ex99_1.htm · 8-K · 2026-10-22
Exhibit 99.1 EAGLE FINANCIAL SERVICES, INC. ANNOUNCES 2026 THIRD QUARTER FINANCIAL RESULTS AND QUARTERLY DIVIDEND Contact: Kathleen J. Chappell, Executive Vice President and CFO 540-955-2510 kchappell@bankofclarke.com BERRYVILLE, VIRGINIA (October 22, 2026) - Eagle Financial Services, Inc. (NASDAQ: EFSI) (the "Company"), the holding company for Bank of Clarke ("the Bank"), announced its third quarter 2026…
Read attachment ↗efsi-ex99_2.htm · 8-K · 2026-10-22
Forward Looking Statements 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 ↗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 ↗