Eagle Financial Services (EFSI) Stock: Charts & Financials

Eagle Financial Services, Inc.(EFSI)

Banks - Regional · Berryville, VA

$45.57+0.02 (+0.04%)

Delayed quote: Oct 6, 2026, 1:15 PM EDT

About Eagle Financial Services, Inc.

Eagle Financial Services, Inc. functions as the parent company for Bank of Clarke County, delivering a comprehensive array of retail and commercial banking solutions across the Shenandoah Valley and Northern Virginia regions. Their core offerings include various deposit accounts, such as checking, NOW, money market, and standard savings accounts, alongside both demand and time deposits. The institution maintains a diverse loan portfolio, encompassing financing for single-to-four-family residential properties, commercial real estate ventures, construction and land development projects, and commercial and industrial enterprises. Additionally, they provide a range of consumer lending options, both secured and unsecured, including personal installment loans, lines of credit, auto loans, and credit card services. Beyond traditional banking, Eagle Financial Services offers personal and retirement planning assistance. Their investment services are extensive, featuring tax-deferred annuities, IRAs and rollovers, mutual funds, retirement and college savings plans, various insurance products (life, long-term care), fixed-income investments, brokerage CDs, and both full-service and discount brokerage options. They also facilitate non-deposit investment products and provide title insurance. To ensure convenient access, the company supports ATM and debit card services, alongside modern telephone, internet, and mobile banking platforms. For commercial clients, specialized services like ACH origination and remote deposit capture are available. The company's physical presence includes twelve full-service branches, two loan production offices, a dedicated wealth management office, and a drive-through only facility. Complementing these are 13 ATM locations, strategically placed throughout the Virginia communities of Berryville, Winchester, Boyce, Stephens City, Purcellville, Warrenton, Leesburg, Ashburn, and Fairfax. Established in 1881, Eagle Financial Services, Inc. is headquartered in Berryville, Virginia.

Berryville, VA

259 employees

www.bankofclarke.bank

Financial Services / Banks - Regional

Sector: Financial Services
Industry: Banks - Regional
CEO: Brandon Craig Lorey

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Quarterly Report	TTM	Quarter ended Jun 2026	Quarter ended Mar 2026	Quarter ended Dec 2025	Quarter ended Sep 2025	Quarter ended Jun 2025	Quarter ended Mar 2025	Quarter ended Dec 2024	Quarter ended Sep 2024
Revenue	117.62M	32.97M	23.83M	30.11M	30.71M	29.27M	14.45M	27.80M	27.83M
Cost of Goods Sold	37.74M	10.91M	7.92M	9.06M	9.85M	9.79M	11.40M	10.85M	12.07M
Gross Profit	79.88M	22.06M	15.90M	21.05M	20.87M	19.48M	3.05M	16.95M	15.81M
Gross Profit Margin	67.9%	66.9%	66.7%	69.9%	67.9%	66.6%	21.1%	61.0%	56.8%
Total Operating Expenses	61.20M	15.53M	16.17M	15.54M	13.96M	12.93M	12.09M	8.84M	11.78M
Research & Development	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Selling, General & Administrative	44.56M	11.47M	14.21M	9.67M	9.21M	793K	7.68M	9.68M	8.14M
Operating Income (EBIT)	18.67M	6.53M	-270K	5.51M	6.91M	6.55M	-9.04M	8.11M	3.97M
Operating Margin	15.9%	19.8%	-1.1%	18.3%	22.5%	22.4%	-62.6%	29.2%	14.3%
Income Before Tax (EBT)	23.60M	6.53M	4.66M	5.51M	6.91M	6.55M	-9.04M	8.11M	3.97M
Interest Income	98.83M	24.38M	23.83M	24.75M	25.87M	24.70M	23.35M	23.83M	23.53M
Interest Expense	32.44M	7.41M	7.92M	8.37M	8.73M	9.12M	10.17M	10.49M	10.53M
Other Income/Expense	4.93M	0.00	4.93M	0.00	0.00	0.00	0.00	0.00	0.00
Net Income	18.64M	4.98M	3.74M	4.33M	5.58M	5.27M	-6.97M	6.19M	3.42M
Income Tax Expense	4.96M	1.54M	918K	1.18M	1.32M	1.28M	-2.07M	1.93M	550K
Net Profit Margin	15.8%	15.1%	15.7%	14.4%	18.2%	18.0%	-48.3%	22.3%	12.3%
EBITDA	19.52M	6.53M	185K	5.71M	7.10M	6.74M	-8.84M	8.35M	4.22M
EBITDA Margin	16.6%	19.8%	0.8%	19.0%	23.1%	23.0%	-61.2%	30.0%	15.2%
Depreciation & Amortization	846K	0.00	455K	198K	193K	191K	198K	237K	244K
EPS Basic	3.46	0.92	0.69	0.81	1.04	0.98	-1.53	1.74	0.96
EPS Diluted	3.46	0.92	0.69	0.81	1.04	0.98	-1.53	1.74	0.96
Weighted Average Basic Shares	5.42M	5.42M	5.42M	5.37M	5.37M	5.38M	4.57M	3.55M	3.55M
Weighted Average Diluted Shares	5.42M	5.42M	5.42M	5.37M	5.37M	5.38M	4.57M	3.55M	3.55M

Quarterly Report

TTM

Quarter ended Jun 2026

Quarter ended Mar 2026

Quarter ended Dec 2025

Quarter ended Sep 2025

Quarter ended Jun 2025

Quarter ended Mar 2025

Quarter ended Dec 2024

Quarter ended Sep 2024

Revenue

117.62M

32.97M

23.83M

30.11M

30.71M

29.27M

14.45M

27.80M

27.83M

Cost of Goods Sold

37.74M

10.91M

7.92M

9.06M

9.85M

9.79M

11.40M

10.85M

12.07M

Gross Profit

79.88M

22.06M

15.90M

21.05M

20.87M

19.48M

3.05M

16.95M

15.81M

Gross Profit Margin

67.9%

66.9%

66.7%

69.9%

67.9%

66.6%

21.1%

61.0%

56.8%

Total Operating Expenses

61.20M

15.53M

16.17M

15.54M

13.96M

12.93M

12.09M

8.84M

11.78M

Research & Development

N/A

Selling, General & Administrative

44.56M

11.47M

14.21M

9.67M

9.21M

793K

7.68M

9.68M

8.14M

Operating Income (EBIT)

18.67M

6.53M

-270K

5.51M

6.91M

6.55M

-9.04M

8.11M

3.97M

Operating Margin

15.9%

19.8%

-1.1%

18.3%

22.5%

22.4%

-62.6%

29.2%

14.3%

Income Before Tax (EBT)

23.60M

6.53M

4.66M

5.51M

6.91M

6.55M

-9.04M

8.11M

3.97M

Interest Income

98.83M

24.38M

23.83M

24.75M

25.87M

24.70M

23.35M

23.83M

23.53M

Interest Expense

32.44M

7.41M

7.92M

8.37M

8.73M

9.12M

10.17M

10.49M

10.53M

Other Income/Expense

4.93M

0.00

4.93M

0.00

Net Income

18.64M

4.98M

3.74M

4.33M

5.58M

5.27M

-6.97M

6.19M

3.42M

Income Tax Expense

4.96M

1.54M

918K

1.18M

1.32M

1.28M

-2.07M

1.93M

550K

Net Profit Margin

15.8%

15.1%

15.7%

14.4%

18.2%

18.0%

-48.3%

22.3%

12.3%

EBITDA

19.52M

6.53M

185K

5.71M

7.10M

6.74M

-8.84M

8.35M

4.22M

EBITDA Margin

16.6%

19.8%

0.8%

19.0%

23.1%

23.0%

-61.2%

30.0%

15.2%

Depreciation & Amortization

846K

0.00

455K

198K

193K

191K

198K

237K

244K

EPS Basic

3.46

0.92

0.69

0.81

1.04

0.98

-1.53

1.74

0.96

EPS Diluted

3.46

0.92

0.69

0.81

1.04

0.98

-1.53

1.74

0.96

Weighted Average Basic Shares

5.42M

5.37M

5.38M

4.57M

3.55M

Weighted Average Diluted Shares

5.42M

5.37M

5.38M

4.57M

3.55M

Annual Report	12/31/2025	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020	12/31/2019	12/31/2018
Revenue	104.54M	105.92M	95.92M	66.73M	52.66M	46.62M	41.49M	37.03M
Cost of Goods Sold	40.09M	42.65M	34.49M	7.30M	3.16M	4.74M	4.87M	3.29M
Gross Profit	64.45M	63.28M	61.43M	59.43M	49.50M	41.88M	36.62M	33.73M
Gross Profit Margin	61.6%	59.7%	64.0%	89.1%	94.0%	89.8%	88.3%	91.1%
Total Operating Expenses	54.52M	44.38M	50.80M	41.76M	36.71M	28.57M	25.05M	23.42M
Research & Development	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Selling, General & Administrative	27.35M	33.60M	34.41M	28.27M	24.02M	21.48M	17.90M	16.53M
Operating Income (EBIT)	9.93M	18.90M	10.63M	17.67M	12.79M	13.31M	11.57M	10.31M
Operating Margin	9.5%	17.8%	11.1%	26.5%	24.3%	28.5%	27.9%	27.9%
Income Before Tax (EBT)	9.93M	18.90M	10.63M	17.67M	12.79M	13.31M	11.57M	10.31M
Interest Income	98.68M	90.69M	82.57M	54.58M	42.63M	38.83M	35.38M	31.86M
Interest Expense	36.39M	40.09M	32.84M	5.47M	1.68M	3.28M	4.24M	2.52M
Other Income/Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Income	8.21M	15.34M	9.36M	14.52M	11.02M	11.17M	9.76M	9.00M
Income Tax Expense	1.71M	3.56M	1.28M	3.15M	1.77M	2.14M	1.81M	1.31M
Net Profit Margin	7.9%	14.5%	9.8%	21.8%	20.9%	24.0%	23.5%	24.3%
EBITDA	10.71M	19.88M	11.63M	18.65M	13.78M	14.34M	12.88M	11.24M
EBITDA Margin	10.2%	18.8%	12.1%	27.9%	26.2%	30.8%	31.1%	30.4%
Depreciation & Amortization	780K	979K	1.00M	979K	996K	1.03M	1.31M	925K
EPS Basic	1.59	4.32	2.66	4.17	3.20	3.27	2.84	2.60
EPS Diluted	1.59	4.32	2.66	4.17	3.20	3.27	2.84	2.60
Weighted Average Basic Shares	5.37M	3.55M	3.52M	3.48M	3.44M	3.42M	3.44M	3.46M
Weighted Average Diluted Shares	5.37M	3.55M	3.52M	3.48M	3.44M	3.42M	3.44M	3.46M

Annual Report

12/31/2025

12/31/2024

12/31/2023

12/31/2022

12/31/2021

12/31/2020

12/31/2019

12/31/2018

Revenue

104.54M

105.92M

95.92M

66.73M

52.66M

46.62M

41.49M

37.03M

Cost of Goods Sold

40.09M

42.65M

34.49M

7.30M

3.16M

4.74M

4.87M

3.29M

Gross Profit

64.45M

63.28M

61.43M

59.43M

49.50M

41.88M

36.62M

33.73M

Gross Profit Margin

61.6%

59.7%

64.0%

89.1%

94.0%

89.8%

88.3%

91.1%

Total Operating Expenses

54.52M

44.38M

50.80M

41.76M

36.71M

28.57M

25.05M

23.42M

Research & Development

N/A

Selling, General & Administrative

27.35M

33.60M

34.41M

28.27M

24.02M

21.48M

17.90M

16.53M

Operating Income (EBIT)

9.93M

18.90M

10.63M

17.67M

12.79M

13.31M

11.57M

10.31M

Operating Margin

9.5%

17.8%

11.1%

26.5%

24.3%

28.5%

27.9%

Income Before Tax (EBT)

9.93M

18.90M

10.63M

17.67M

12.79M

13.31M

11.57M

10.31M

Interest Income

98.68M

90.69M

82.57M

54.58M

42.63M

38.83M

35.38M

31.86M

Interest Expense

36.39M

40.09M

32.84M

5.47M

1.68M

3.28M

4.24M

2.52M

Other Income/Expense

0.00

Net Income

8.21M

15.34M

9.36M

14.52M

11.02M

11.17M

9.76M

9.00M

Income Tax Expense

1.71M

3.56M

1.28M

3.15M

1.77M

2.14M

1.81M

1.31M

Net Profit Margin

7.9%

14.5%

9.8%

21.8%

20.9%

24.0%

23.5%

24.3%

EBITDA

10.71M

19.88M

11.63M

18.65M

13.78M

14.34M

12.88M

11.24M

EBITDA Margin

10.2%

18.8%

12.1%

27.9%

26.2%

30.8%

31.1%

30.4%

Depreciation & Amortization

780K

979K

1.00M

979K

996K

1.03M

1.31M

925K

EPS Basic

1.59

4.32

2.66

4.17

3.20

3.27

2.84

2.60

EPS Diluted

1.59

4.32

2.66

4.17

3.20

3.27

2.84

2.60

Weighted Average Basic Shares

5.37M

3.55M

3.52M

3.48M

3.44M

3.42M

3.44M

3.46M

Weighted Average Diluted Shares

5.37M

3.55M

3.52M

3.48M

3.44M

3.42M

3.44M

3.46M

Income Statement

Quarterly Income Statement (USD)

Annual Income Statement (USD)