Current Report · Items 2.02, 7.01, 9.01 · 8-K

Eagle Financial Services Inc

EFSINASDAQEQUITYCurrent

Results of Operations and Financial Condition · Regulation FD Disclosure

Filed Jul 23, 2026Accepted Jul 23, 2026, 4:01 PM EDTCIK 880641Accession 0000880641-26-000020

Company context

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.

Current securities

EFSINASDAQ · EQUITY · Current

Recent company filings

Disclosure sections

Items 2.02, 7.01, 9.01

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Item 2.02Item 2.02 - Results of Operations

Item 2.02 Results of Operations and Financial Condition On July 23, 2026, the Registrant issued a press release announcing the results for the quarter ended June 30, 2026. A copy of the Company’s press release with respect to the results for the quarter ended June 30, 2026 is attached as Exhibit 99.1 to this Current Report on Form 8-K and is incorporated by reference into this Item 2.02. The Registrant also announced in the press release that it will host a conference call for investors and analysts on Friday, April 24, 2026 at 10 a.m. (Eastern Time) to discuss second quarter results.

Item 7.01Item 7.01 - Regulation FD Disclosure

Item 7.01 Regulation FD Disclosure Attached as Exhibit 99.2 to this report is the earnings presentation which also may be used in connection with potential meetings with investors and/or analysts. The information provided pursuant to these Items 2.02 and 7.01 is to be considered “furnished” pursuant to Form 8-K and shall not be deemed to be “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liabilities under that Section, nor shall it be deemed incorporated by reference into any of the Company’s reports or filings under the Securities Act of 1933 or the Exchange Act, except as expressly set forth by specific reference in such report or filing. The filing of this Current Report shall not be deemed an admission as to the materiality of any information in the Current Report that is required to be disclosed solely by reason of Regulation FD. A cautionary note about forward-looking statements: This Current Report may contain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Such forward-looking statements can include statements about estimated cost savings, plans and objectives for future operations and expectations about the Company’s financial and business performance as well as economic and market conditions. They often can be identified by the use of words like “expect,” “may,” “could,” “intend,” “project,” “estimate,” “believe” or “anticipate.” By their nature, forward-looking statements are based on assumptions and are subject to risks, uncertainties, and other factors. You are cautioned that actual results may differ materially from those contained in the forward-looking statement. Any forward-looking statements are intended to speak only as of the date of this Current Report, and the Company undertakes no obligation to update any forward-looking statement to reflect events or circumstances after the date on which the forward-looking statement is made or to reflect the occurrence of unanticipated events.

Filed exhibits (2)

EX-99.1 (by filename) efsi-ex99_1.htm

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, announced its second quarter 2026 results. Also, on July 23, 2026, the Board of Directors announced a quarterly common stock cash dividend of $0.31 per common share, payable on August 14, 2026, to shareholders of record on August 3, 2026. The following table presents selected financial performance highlights for the periods indicated: Three Months Ended June 30, March 31, June 30, 2026 …

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EX-99.2 (by filename) efsi-ex99_2.htm

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,” “we,” “us,” or “our”) and are generally identified by the use of words such as “estimate,” “plan,” “project,” “forecast,” “intend,” “will,” “expect,” “believe,” “seek,” “anticipate,” “target,” or other similar expressions that predict or indicate future events or trends or that are not statements of historical matters. These forward-looking statements include, but are not limited to, statements regarding estimates and forecasts of operating and financial measures or metrics and projections of growth, the results of the proposed balance sheet restructuring, market opportunity and market share. Although the Company believes that its expectations with respect to the forward-looking statements are…

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