InsiderClue
Stocks · Financials · State Commercial Banks

EAGLE FINANCIAL SERVICES INC

EFSI Clue Score43
United States Fiscal year ends December CIK 0000880641
$45.53 -0.58% Close, 9 Oct 2026
Alert on the numbers Alert on insider trades
Price $45.53 +34.90% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 12 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
RevenueNet income
Fiscal year 2016Net income6.4EPS, diluted1.81Fiscal year 2017Net income7.8 +22.2%EPS, diluted2.24 +23.8%Fiscal year 2018Net income9.0 +15.6%EPS, diluted2.60 +16.1%Fiscal year 2019Net income9.8 +8.4%EPS, diluted2.84 +9.2%Fiscal year 2020Net income11.2 +14.5%EPS, diluted3.27 +15.1%Fiscal year 2021Revenue0.2Net income11.0 −1.4%EPS, diluted3.20 −2.1%Fiscal year 2022Revenue0.0 −98.7%Net income14.5 +31.8%EPS, diluted4.17 +30.3%Fiscal year 2023Revenue0.0 −100.0%Net income9.4 −35.6%EPS, diluted2.66 −36.2%Fiscal year 2024Net income15.3 +64.0%EPS, diluted4.32 +62.4%Fiscal year 2025Net income8.2 −46.5%EPS, diluted1.59 −63.2%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue n/a n/a n/a n/a n/a 0.2 0.0 0.0 n/a n/a
Growth −98.7% −100.0%
Net income 6.4 7.8 9.0 9.8 11.2 11.0 14.5 9.4 15.3 8.2
Growth +22.2% +15.6% +8.4% +14.5% −1.4% +31.8% −35.6% +64.0% −46.5%
EPS, diluted 1.81 2.24 2.60 2.84 3.27 3.20 4.17 2.66 4.32 1.59
Growth +23.8% +16.1% +9.2% +15.1% −2.1% +30.3% −36.2% +62.4% −63.2%

Margins

How much of each dollar of revenue it keeps. Point at a year for the detail.
Net margin
Fiscal year 2016Fiscal year 2017Fiscal year 2018Fiscal year 2019Fiscal year 2020Fiscal year 2021Net margin4,669.9%Free cash flow margin6,753.8%Fiscal year 2022Net margin484,033.3%Free cash flow margin432,533.3%Fiscal year 2023Fiscal year 2024Fiscal year 2025
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Net margin n/a n/a n/a n/a n/a 4,669.9% 484,033.3% n/a n/a n/a
Free cash flow margin n/a n/a n/a n/a n/a 6,753.8% 432,533.3% n/a n/a n/a

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2016Operating cash flow9.7Capital expenditure−0.3Free cash flow9.4Dividends paid−2.4Fiscal year 2017Operating cash flow9.4Capital expenditure−0.4Free cash flow9.0 −4.7%Dividends paid−2.7Fiscal year 2018Operating cash flow−1.5Capital expenditure−0.4Free cash flow−2.0 −121.7%Dividends paid−2.8Fiscal year 2019Operating cash flow11.3Capital expenditure−1.3Free cash flow10.0Dividends paid−3.0Fiscal year 2020Operating cash flow11.0Capital expenditure−0.5Free cash flow10.6 +5.1%Dividends paid−3.2Fiscal year 2021Operating cash flow16.5Capital expenditure−0.5Free cash flow15.9 +51.1%Dividends paid−3.3Fiscal year 2022Operating cash flow13.8Capital expenditure−0.8Free cash flow13.0 −18.6%Dividends paid−3.8Fiscal year 2023Operating cash flow6.9Capital expenditure−1.1Free cash flow5.8 −55.3%Dividends paid−4.2Fiscal year 2024Operating cash flow18.8Capital expenditure−1.0Free cash flow17.7 +205.7%Dividends paid−4.3Fiscal year 2025Operating cash flow25.8Capital expenditure−1.4Free cash flow24.3 +37.2%Dividends paid−6.1
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 9.7 9.4 −1.5 11.3 11.0 16.5 13.8 6.9 18.8 25.8
Capital expenditure −0.3 −0.4 −0.4 −1.3 −0.5 −0.5 −0.8 −1.1 −1.0 −1.4
Free cash flow 9.4 9.0 −2.0 10.0 10.6 15.9 13.0 5.8 17.7 24.3
Growth −4.7% −121.7% +5.1% +51.1% −18.6% −55.3% +205.7% +37.2%
Dividends paid −2.4 −2.7 −2.8 −3.0 −3.2 −3.3 −3.8 −4.2 −4.3 −6.1

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
CashTotal debt
Fiscal year 2016Cash35.3Shareholders’ equity79.4Fiscal year 2017Cash35.8Shareholders’ equity83.8Fiscal year 2018Cash18.4Shareholders’ equity87.6Fiscal year 2019Cash33.7Shareholders’ equity96.3Fiscal year 2020Cash79.9Shareholders’ equity105.1Fiscal year 2021Cash64.1Shareholders’ equity110.3Fiscal year 2022Cash66.9Shareholders’ equity101.7Fiscal year 2023Cash138.4Shareholders’ equity108.4Fiscal year 2024Cash193.2Shareholders’ equity119.0Fiscal year 2025Cash217.2Total debt69.6Net cash (debt)147.6Shareholders’ equity188.8Debt to equity0.37
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 35.3 35.8 18.4 33.7 79.9 64.1 66.9 138.4 193.2 217.2
Total debt n/a n/a n/a n/a n/a n/a n/a n/a n/a 69.6
Net cash (debt) n/a n/a n/a n/a n/a n/a n/a n/a n/a 147.6
Shareholders’ equity 79.4 83.8 87.6 96.3 105.1 110.3 101.7 108.4 119.0 188.8
Debt to equity n/a n/a n/a n/a n/a n/a n/a n/a n/a 0.37

In millions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Ratios

Percentages worked out from the filed figures; debt to equity in times. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Margins
n/a n/a n/a n/a n/a 5,418.2% 589,033.3% n/a n/a n/a
n/a n/a n/a n/a n/a 4,669.9% 484,033.3% n/a n/a n/a
n/a n/a n/a n/a n/a 6,753.8% 432,533.3% n/a n/a n/a
Spending
n/a n/a n/a n/a n/a 220.3% 27,933.3% n/a n/a n/a
28.6% 31.8% 12.7% 15.6% 16.1% 13.8% 17.8% 12.0% 18.8% 17.2%
Returns
8.0% 9.3% 10.3% 10.1% 10.6% 10.0% 14.3% 8.6% 12.9% 4.3%
0.9% 1.0% 1.1% 1.1% 1.0% 0.8% 0.9% 0.5% 0.8% 0.4%
Balance and payout
n/a n/a n/a n/a n/a n/a n/a n/a n/a 0.37
88.7% 89.1% 89.0% 89.0% 90.7% 91.5% 93.7% 94.1% 93.6% 90.0%
37.0% 34.1% 30.8% 30.7% 28.6% 29.6% 26.2% 45.2% 28.0% 74.4%
24.9% 29.5% n/a 29.9% 30.3% 20.5% 29.3% 72.9% 24.2% 25.1%