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Eagle Financial Services EFSI Bank Owned Life Insurance

Bank Owned Life Insurance at other companies

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Other financials

Income statement

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Revenue--100%
Net income$3.7M+154%
EPS (diluted)$0.69+145%

Balance sheet

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Cash & equivalents$189.8M-28.4%
Total debt$9.7M-72.6%
Total equity$190.3M+7.8%
Total assets$1.8B-3.5%

Cash flow

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Operating cash flow$4.3M-25.9%
CapEx$209.0K-61.1%
Free cash flow$4.1M-22.3%

Valuation

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Market cap$224.4M-0.7%
Enterprise value$44.32M
P/E11.9×

Profitability

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Net margin1,354,533.3%+1,332,318pp
FCF margin8,829.7%

Returns & leverage

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Return on equity10.3%+6.2pp
Debt / equity0.1×-0.1×

Where this comes from

Reported directly by Eagle Financial Services in its filing.

Tagged under the XBRL concept us-gaap:BankOwnedLifeInsurance.

The official record: Eagle Financial Services’s 10-Q, filed May 11, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Eagle Financial Services's bank owned life insurance?
Eagle Financial Services (EFSI) reported bank owned life insurance of $32M in Q1 2026.
How has Eagle Financial Services's bank owned life insurance changed year-over-year?
Eagle Financial Services's bank owned life insurance increased by 3.6% year-over-year, from $30.89M to $32M.
What is the long-term trend for Eagle Financial Services's bank owned life insurance?
Over 4 years (2021 to 2025), Eagle Financial Services's bank owned life insurance has grown at a 8.1% compound annual growth rate (CAGR), from $23.24M to $31.72M.
What does bank owned life insurance mean?
This represents the cash surrender value of life insurance policies purchased by the bank on the lives of key employees or executives. The bank is the beneficiary of these policies, which provide a tax-advantaged method to offset the costs of employee benefit programs. It is considered a long-term asset that contributes to non-interest income through policy growth.