Eagle Financial Services (EFSI) Financial Statements & Analysis

Eagle Financial Services (EFSI) Income Statement

Eagle Financial Services reported revenue of $66.45M in fiscal 2025 (fiscal year ended Dec 31, 2025), down 5.0% from $69.94M a year earlier. Net income was $8.21M, down 46.5% year over year, a net margin of 12.4%. Gross margin was 97.0% and operating margin 14.9%. In the most recent quarter, Q3 fiscal 2026 (ended Sep 30, 2026), revenue was $21.88M, down 0.5% from the same quarter a year earlier.

Eagle Financial Services Income Statement Analysis

Values in millions USD

Income Statement Balance Sheet Cash Flow Ratios

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Eagle Financial Services, Inc. income statement - Annual data in millions USD
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017
Revenue & Gross Profit
Revenue	66.45	69.94	63.08	61.26	50.61	46.62	41.49	37.03	34.33
Cost of Revenue	40.09	42.65	34.49	7.30	3.16	4.74	4.87	3.29	0.53
Gross Profit	64.45	63.28	61.43	59.43	49.50	41.88	36.62	33.74	33.80
Operating Expenses
Research & Development	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Selling, General & Administrative	36.38	6.45	34.41	28.27	4.46	21.48	17.90	16.53	15.98
Operating Expenses	54.52	44.38	50.80	41.76	36.71	28.57	25.06	23.42	22.39
Operating Income	9.93	18.90	10.63	17.67	12.79	13.31	11.57	10.32	11.41
Other Income/Expense
Interest Income	98.62	90.69	82.57	54.58	42.63	38.83	35.38	31.86	28.29
Interest Expense	36.39	40.09	32.84	5.47	1.68	3.28	4.24	2.52	1.15
Other Income/Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Income
Income Before Tax	9.93	18.90	10.63	17.67	12.79	13.31	11.57	10.32	11.41
Income Tax Expense	1.71	3.56	1.28	3.15	1.77	2.14	1.81	1.31	3.63
Net Income	8.21	15.34	9.36	14.52	11.02	11.17	9.76	9.00	7.79
Net Income - Continuous Operations	8.21	15.34	9.36	14.52	11.02	11.17	9.76	9.00	7.79
Net Income - Discontinued Operations	-	-	-	-	-	-	-	-	-
EBITDA	10.71	1.54	11.64	18.65	1.67	14.34	12.88	11.24	12.36
EBIT	-	-	-	-	-	-	-	-	-
Depreciation & Amortization	0.78	0.98	1.00	0.98	1.00	1.03	1.32	0.93	0.95
Earnings Per Share
Basic EPS	2.00	4.00	3.00	4.00	3.00	3.00	3.00	3.00	2.00
Diluted EPS	2.00	4.00	3.00	4.00	3.00	3.00	3.00	3.00	2.00
Basic Shares Outstanding	5.17	3.55	3.52	3.48	3.44	3.42	3.44	3.46	3.47
Diluted Shares Outstanding	5.17	3.55	3.52	3.48	3.44	3.42	3.44	3.46	3.48

Source: Company financial statements from annual and quarterly filings. Data as of Sep 30, 2026. Data sources and methodology

Frequently Asked Questions About Eagle Financial Services Financial Statements

What was Eagle Financial Services's revenue in fiscal 2025?

Eagle Financial Services reported revenue of $66.45M in fiscal 2025 (fiscal year ended Dec 31, 2025). That was down 5.0% from $69.94M a year earlier.

Is Eagle Financial Services profitable?

Yes. Eagle Financial Services earned net income of $8.21M in fiscal 2025, a net margin of 12.4%. In fiscal 2024 it earned $15.34M.

What is Eagle Financial Services's operating margin?

Eagle Financial Services's operating income was $9.93M on revenue of $66.45M in fiscal 2025, an operating margin of 14.9%, compared with 27.0% a year earlier.

What is net profit margin?

Net profit margin is net income divided by revenue. It shows how much of each dollar of sales a company keeps as profit after all costs, interest and taxes. Full definition