Eagle Financial Services, Inc. (EFSI) Earnings History
Earnings Pressure24 years of earnings data (2002–2025) · 5-year EPS trend is negative
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Eagle Financial Services, Inc. (EFSI) Earnings Overview
As of July 8, 2026, Eagle Financial Services, Inc. (EFSI) reported trailing twelve-month net income of $19M, reflecting -63.2% year-over-year growth. The company earned $3.49 per diluted share over the past four quarters, with a net profit margin of 7.9%.
Looking at the long-term picture, EFSI's 5-year EPS compound annual growth rate (CAGR) stands at -13.4%, signaling declining earnings. The company achieved its highest annual net income of $15M in fiscal 2024.
Eagle Financial Services, Inc. maintains positive profitability with a gross margin of 61.6%, operating margin of 9.5%, and net margin of 7.9%. The company continues to generate positive earnings from operations. View revenue history →
Compared to peers including CZWI ($15M net income, 16.0% margin), FUNC ($25M net income, 20.6% margin), MNSB ($17M net income, 11.5% margin), EFSI has room to improve margins relative to the peer group. Compare EFSI vs CZWI →
EFSI Earnings vs Peers
Earnings metrics vs comparable public companies
EFSI Historical Earnings Data (2002–2025)
24 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $8M | -46.5% | $10M | $1.59 | 7.9% | 9.5% |
| 2024 | $15M | +64.0% | $19M | $4.32 | 14.5% | 17.8% |
| 2023 | $9M | -35.6% | $11M | $2.66 | 9.8% | 11.1% |
| 2022 | $15M | +31.8% | $18M | $4.17 | 21.8% | 26.5% |
| 2021 | $11M | -1.4% | $13M | $3.20 | 20.9% | 24.3% |
| 2020 | $11M | +14.5% | $13M | $3.27 | 24.0% | 28.5% |
| 2019 | $10M | +8.4% | $12M | $2.84 | 23.5% | 27.9% |
| 2018 | $9M | +15.6% | $10M | $2.60 | 24.3% | 27.9% |
| 2017 | $8M | +22.2% | $11M | $2.24 | 22.7% | 33.2% |
| 2016 | $6M | -7.6% | $9M | $1.81 | 20.2% | 28.4% |
| 2015 | $7M | -3.4% | $9M | $1.97 | 23.2% | 31.4% |
| 2014 | $7M | -0.3% | $9M | $2.07 | 23.2% | 29.9% |
| 2013 | $7M | +9.3% | $10M | $2.10 | 23.1% | 30.7% |
| 2012 | $7M | +51.6% | $9M | $1.96 | 20.4% | 28.4% |
| 2011 | $4M | +19.9% | $6M | $1.31 | 13.3% | 17.5% |
| 2010 | $4M | +4.8% | $5M | $1.11 | 10.9% | 14.0% |
| 2009 | $3M | -15.1% | $4M | $1.08 | 10.7% | 13.9% |
| 2008 | $4M | -22.9% | $5M | $1.29 | 11.9% | 15.9% |
| 2007 | $5M | -10.2% | $7M | $1.69 | 14.1% | 19.7% |
| 2006 | $6M | +4.4% | $8M | $1.90 | 16.9% | 24.1% |
| 2005 | $6M | +21.7% | $8M | $0.92 | 19.4% | 27.7% |
| 2004 | $5M | +14.2% | $7M | $0.77 | 19.2% | 27.5% |
| 2003 | $4M | +13.9% | $6M | $0.68 | 19.2% | 27.5% |
| 2002 | $4M | - | $5M | $0.60 | 18.2% | 25.9% |
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EFSI — Frequently Asked Questions
Quick answers to the most common questions about buying EFSI stock.
What is EFSI earnings per share (EPS)?
EFSI trailing twelve-month (TTM) diluted EPS is $3.49, reflecting -63.2% year-over-year growth. The 5-year EPS CAGR is -13.4%. Complete EPS history from 2002 to 2025 is available in the table on this page.
What is Eagle Financial Services, Inc.'s net income?
Eagle Financial Services, Inc. (EFSI) trailing twelve-month net income is $19M as of 2025. Earnings declined -63.2% year-over-year. Eagle Financial Services, Inc. has been profitable for 24 consecutive years.
Is EFSI profitable?
Yes, EFSI is profitable with a TTM net income of $19M and a net profit margin of +7.9%. Eagle Financial Services, Inc. has generated profits for 24 consecutive years.
What is EFSI's earnings growth rate?
EFSI compound annual EPS growth rates (CAGR): 1-Year: -63.2%, 3-Year: -27.5%, 5-Year: -13.4%, 10-Year: -2.1%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 2002 to 2025.
What are EFSI's profit margins?
Eagle Financial Services, Inc. net profit margin is +7.9%, operating margin is +9.5%, and gross margin is +61.6%. Margins are within a typical range for the sector. Return on Equity is +5.3%.
Is EFSI growing earnings?
EFSI earnings are declining — EPS fell -63.2% year-over-year. TTM net income dropped to $19M. This contrasts with the 5-year CAGR of -13.4%.
What was EFSI's best earnings year?
Eagle Financial Services, Inc.'s highest annual net income on record is $15M, achieved in fiscal year 2024. Earnings history on this page spans 2002 to 2025 and includes all annual and quarterly figures.
What were EFSI's earnings last quarter?
EFSI's most recent reported quarter was Q1 2026. Net income was $4M with diluted EPS of $0.69. For a full breakdown of all quarters, see the quarterly earnings table on this page.