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Eagle Financial Services EFSI Q4 2025 Annual earnings

Reported January 26, 2026 · After market close

Revenue$21.7MBeat by $1.3M
EPS$0.81Miss by $0.05
Revenue estimate$20.4M
EPS estimate$0.87

Next report

Oct 22, 2026 (in 2 months)
Revenue estimate$22.1M
EPS estimate$0.83

Financials

Q4 2025

Income statement

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Revenue$21.7M-1.3%
Net income$4.3M-29.9%
EPS (diluted)$0.81-53.4%

Balance sheet

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Cash & equivalents$217.2M+12.4%
Total debt$9.8M-71.7%
Total equity$188.8M+58.7%
Total assets$1.9B+1.2%

Cash flow

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Operating cash flow$9.2M+45.3%
CapEx$227.0K-16.8%
Free cash flow$9.0M+48.1%

Valuation & ratios

Profitability

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Net margin11.8%-9.3pp
FCF margin35%—

Returns & leverage

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Return on equity5.3%-8.2pp
Debt / equity0.1×-0.2×

Segments

By product

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Asset Management$1.5M+39.6%
Interchange Fees$866.0K+4.7%
Overdrawn Account Fees$435.0K+11.3%
Brokerage Commissions$306.0K+11.7%
Monthlyand Other Service Fees$139.0K+18.8%

FAQ

When did Eagle Financial Services report Q4 2025 earnings?
Eagle Financial Services (EFSI) reported Q4 2025 earnings on January 26, 2026 after market close.
What were Eagle Financial Services's Q4 2025 revenue and EPS?
Eagle Financial Services reported revenue of $21.7M and eps of $0.81 for Q4 2025.
Did Eagle Financial Services beat estimates in Q4 2025?
Revenue beat the consensus estimate of $20.4M by $1.3M. EPS missed the consensus estimate of $0.86 by $0.05.
How did Eagle Financial Services's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue declined 21.8% from $27.8M a year earlier and eps declined 53.4% from $1.74.
Where can I find Eagle Financial Services's Q4 2025 SEC filings?
You can read the 8-K earnings release (0001193125-26-022723) and the 10-K periodic report (0000880641-26-000004) directly on SEC EDGAR. The filing index links above go to sec.gov.