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Eagle Financial Services EFSI Q3 2025 earnings

Reported October 23, 2025 · Before market open

Revenue$22.0MBeat by $1.6MDiluted EPS$1.04Beat by $0.24
Revenue estimate$20.4M
EPS estimate$0.80

Next report

Jul 23, 2026 (In 2 weeks)
Revenue estimate$21.3M
EPS estimate$0.74

Financials

Q3 2025

Income statement

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Net income$5.6M+63.1%
EPS (diluted)$1.04+7.2%

Balance sheet

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Cash & equivalents$268.1M+48.0%
Total debt$10.0M+128%
Total equity$185.6M+57.5%
Total assets$1.9B+2.7%

Cash flow

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Operating cash flow$8.2M+9.3%
CapEx$380.0K+64.5%
Free cash flow$7.8M+7.5%

Segments

By product

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Assets Management$1.4M+22.8%
Interchange Fees$906.0K+4.4%
Overdrawn Account Fees$425.0K+4.7%
Brokerage Commissions$399.0K+13.4%
Other Chargesand Fees$169.0K+1.2%

Versus estimates

Revenue

Q1 2026$20.8MMiss by $361.5KQ4 2025$21.7MBeat by $1.3M
Q3 2025$22.0MBeat by $1.6M
Q2 2025$20.2MMiss by $1.5MQ1 2025$14.4MMiss by $5.2MQ4 2024$27.8M

Diluted EPS

Q1 2026$0.69Miss by $0.17Q4 2025$0.81Miss by $0.05
Q3 2025$1.04Beat by $0.24
Q2 2025$0.98Beat by $0.16Q1 2025$0.62Miss by $0.30Q4 2024$1.74

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Questions, answered.

When did Eagle Financial Services report Q3 2025 earnings?
Eagle Financial Services (EFSI) reported Q3 2025 earnings on October 23, 2025 before market open.
What were Eagle Financial Services's Q3 2025 revenue and EPS?
Eagle Financial Services reported revenue of $22.0M and diluted EPS of $1.04 for Q3 2025.
Did Eagle Financial Services beat estimates in Q3 2025?
Revenue beat the consensus estimate of $20.4M by $1.6M. EPS beat the consensus estimate of $0.80 by $0.24.
How did Eagle Financial Services's Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue declined 21.0% from $27.8M a year earlier and diluted EPS grew 7.2% from $0.97.
Where can I find Eagle Financial Services's Q3 2025 SEC filings?
You can read the 10-Q periodic report (0001193125-25-279991) directly on SEC EDGAR. The filing index links above go to sec.gov.