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Eagle Financial Services EFSI Q4 2025 Annual earnings

Reported January 26, 2026 · After market close

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

Next report

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

Financials

Q4 2025

Income statement

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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%

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%

Versus estimates

Revenue

Q1 2026$20.8MMiss by $361.5K
Q4 2025$21.7MBeat by $1.3M
Q3 2025$22.0MBeat by $1.6MQ2 2025$20.2MMiss by $1.5MQ1 2025$14.4MMiss by $5.2MQ4 2024$27.8M

Diluted EPS

Q1 2026$0.69Miss by $0.17
Q4 2025$0.81Miss by $0.05
Q3 2025$1.04Beat by $0.24Q2 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 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 diluted 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 diluted 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.