EAGLE FINANCIAL SERVICES (EFSI) Company Report

Eagle Financial Services reported net income of $4.3 million, or $0.81 per diluted share, for Q4 2025, with an annualized return on average assets of 0.91% and an annualized return on average equity of 9.18%.
The company achieved $13.1 million in net loan growth during Q4 2025, primarily driven by commercial real estate and C&I lending, despite a $10.3 million reduction in the marine portfolio.
Non-performing assets remained stable, ending 2025 at $14.6 million, or 0.77% of total assets.
The efficiency ratio for Q4 2025 was 70.3%, an increase from 64.1% in the prior quarter, mainly due to lower net interest income and higher operating expenses, though it is anticipated to move slightly below 70% in 2026.
The company is engaging in conversations with potential bank partners for mergers and acquisitions, while also focusing on organic growth with a loan pipeline up over $100 million compared to January 2025.

Jan 27, 2026, 3:00 PM

Eagle Financial Services Reports Q4 2025 Earnings

EFSI

Earnings

Guidance Update

New Projects/Investments

Eagle Financial Services (EFSI) reported net income of $4.3 million and diluted EPS of $0.81 for Q4 2025, with an annualized return on average assets of 0.91% and return on average equity of 9.18%.
The company achieved $13.1 million in net loan growth in Q4 2025, primarily from commercial real estate and C&I lending, contributing to a net interest margin increase to 3.61%. Non-interest income also grew to $5.4 million, with wealth management fees up 25% to $2.3 million.
Non-performing assets were $14.6 million, or 0.77% of total assets, at year-end. The efficiency ratio for the quarter was 70.3%, with management anticipating it to move slightly below 70% in 2026.
For 2026, EFSI expects wealth management fees and gain on sale revenue to remain consistent with 2025 levels, and its loan pipeline is up over $100 million compared to January 2025. The company also continues to engage in conversations with potential bank partners for mergers and acquisitions.

Jan 27, 2026, 3:00 PM

Eagle Financial Services Reports Q4 2025 Results

EFSI

Earnings

Guidance Update

M&A

Eagle Financial Services reported net income of $4.3 million and $0.81 per diluted share for the fourth quarter of 2025, a decrease from $5.6 million in net income in the third quarter.
The company achieved an annualized return on average assets of 0.91% and an annualized return on average equity of 9.18% for Q4 2025. The efficiency ratio was 70.3% in the fourth quarter, up from 64.1% in the third quarter, but is anticipated to move slightly below 70% in 2026.
Net loan growth was $13.1 million in Q4 2025, driven by commercial real estate and C&I lending. Non-performing assets stood at $14.6 million, or 0.77% of total assets, at the end of 2025.
Net interest income decreased to $16.4 million in Q4 2025, while net interest margin increased to 3.61%. Non-interest income totaled $5.4 million, with wealth management fees increasing 25% from the third quarter to $2.3 million.

Jan 27, 2026, 3:00 PM

Eagle Financial Services, Inc. Announces Fourth Quarter 2025 Financial Results

EFSI

Earnings

Dividends

Eagle Financial Services, Inc. reported consolidated net income of $4.334 million and diluted earnings per share of $0.81 for the fourth quarter of 2025. This marks a decrease from $5.584 million net income and $1.04 diluted EPS in the third quarter of 2025.
The company's net interest margin increased to 3.61% in Q4 2025, up from 3.58% in Q3 2025 and 3.03% in Q4 2024. Annualized return on average assets was 0.91% and annualized return on average equity was 9.18% for Q4 2025.
Total consolidated assets decreased by $43.8 million to $1.89 billion at December 31, 2025, primarily due to a decrease in cash and cash equivalents. Total deposits also decreased to $1.61 billion from $1.66 billion in the prior quarter.
The Board of Directors declared a quarterly common stock cash dividend of $0.31 per common share, payable on February 13, 2026, to shareholders of record on February 2, 2026.
CEO Brandon Lorey stated that 2025 was a pivotal year, marked by a successful capital raise, strategic balance sheet repositioning, and uplist to NASDAQ, which have significantly strengthened the balance sheet and improved the forward earnings profile.

Jan 26, 2026, 9:50 PM

Eagle Financial Services, Inc. Announces Fourth Quarter 2025 Financial Results

EFSI

Earnings

New Projects/Investments

Eagle Financial Services, Inc. reported net income of $4.334 million and basic and diluted earnings per share of $0.81 for the fourth quarter ended December 31, 2025.
The company's net interest margin increased to 3.61% for Q4 2025, up from 3.58% in Q3 2025 and 3.03% in Q4 2024.
Total deposits decreased to $1.61 billion as of December 31, 2025, from $1.66 billion at September 30, 2025, primarily due to $74.4 million of specific large deposits leaving the bank.
Total net loans increased to $1.46 billion at December 31, 2025, from $1.45 billion at September 30, 2025.
President and CEO Brandon Lorey stated that 2025 was a pivotal year, marked by a successful capital raise, strategic balance sheet repositioning, and uplist to NASDAQ, which strengthened the balance sheet and improved the forward earnings profile.