Eagle Finl Svcs Inc Financials

EFSI

Source SEC Filings (10-K/10-Q) Updated Sep 30, 2025 Currency USD FYE December

This page shows Eagle Finl Svcs Inc (EFSI) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 16 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Financial Profile 51/100

Based on FY2024 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth

Eagle Finl Svcs Inc's revenue grew 9.9% year-over-year to $91.3M, a solid pace of expansion. This earns a growth score of 57/100.

Leverage

Eagle Finl Svcs Inc has elevated debt relative to equity (D/E of 14.68), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.

Cash Flow

Eagle Finl Svcs Inc converts 19.4% of revenue into free cash flow ($17.7M). This strong cash generation earns a score of 97/100.

Returns

Eagle Finl Svcs Inc's ROE of 12.9% shows moderate profitability relative to equity, earning a score of 52/100. This is up from 8.6% the prior year.

Piotroski F-Score Neutral

6/9

Eagle Finl Svcs Inc passes 6 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.22x

For every $1 of reported earnings, Eagle Finl Svcs Inc generates $1.22 in operating cash flow ($18.8M OCF vs $15.3M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Revenue

$91.3M

YoY+9.9%

5Y CAGR+20.8%

10Y CAGR+13.9%

Eagle Finl Svcs Inc generated $91.3M in revenue in fiscal year 2024. This represents an increase of 9.9% from the prior year.

EBITDA

N/A

Free Cash Flow

$17.7M

YoY+205.7%

5Y CAGR+12.1%

10Y CAGR+15.2%

Eagle Finl Svcs Inc generated $17.7M in free cash flow in fiscal year 2024, representing cash available after capex. This represents an increase of 205.7% from the prior year.

Net Income

$15.3M

YoY+64.0%

5Y CAGR+9.5%

10Y CAGR+7.9%

Eagle Finl Svcs Inc reported $15.3M in net income in fiscal year 2024. This represents an increase of 64.0% from the prior year.

EPS (Diluted)

$4.32

YoY+62.4%

5Y CAGR+8.8%

10Y CAGR+7.6%

Eagle Finl Svcs Inc earned $4.32 per diluted share (EPS) in fiscal year 2024. This represents an increase of 62.4% from the prior year.

Cash & Debt

$193.2M

YoY+39.6%

5Y CAGR+41.8%

10Y CAGR+18.8%

Eagle Finl Svcs Inc held $193.2M in cash against $0 in long-term debt as of fiscal year 2024.

Dividends Per Share

$1.21

YoY+0.8%

5Y CAGR+3.9%

10Y CAGR+4.6%

Eagle Finl Svcs Inc paid $1.21 per share in dividends in fiscal year 2024. This represents an increase of 0.8% from the prior year.

Shares Outstanding

YoY+0.0%

5Y CAGR+0.7%

Eagle Finl Svcs Inc had 4M shares outstanding in fiscal year 2024. This represents an increase of 0.0% from the prior year.

Gross Margin

N/A

Operating Margin

N/A

Net Margin

16.8%

YoY+5.5pp

5Y CAGR-10.7pp

10Y CAGR-11.9pp

Eagle Finl Svcs Inc's net profit margin was 16.8% in fiscal year 2024, showing the share of revenue converted to profit. This is up 5.5 percentage points from the prior year.

Return on Equity

12.9%

YoY+4.3pp

5Y CAGR+2.8pp

10Y CAGR+3.1pp

Eagle Finl Svcs Inc's ROE was 12.9% in fiscal year 2024, measuring profit generated per dollar of shareholder equity. This is up 4.3 percentage points from the prior year.

R&D Spending

N/A

Share Buybacks

N/A

Capital Expenditures

$1.0M

YoY-4.9%

5Y CAGR-5.0%

10Y CAGR-10.1%

Eagle Finl Svcs Inc invested $1.0M in capex in fiscal year 2024, funding long-term assets and infrastructure. This represents a decrease of 4.9% from the prior year.

EFSI Income Statement

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Revenue	$91.3M+9.9%	$83.1M+2769666.7%	$3K-98.7%	$236K-99.4%	$38.9M+9.7%	$35.5M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$40.1M+22.1%	$32.8M+500.0%	$5.5M+226.4%	$1.7M-48.9%	$3.3M-22.6%	$4.2M
Income Tax	$3.6M+178.8%	$1.3M-59.5%	$3.1M+78.4%	$1.8M-17.3%	$2.1M+18.0%	$1.8M
Net Income	$15.3M+64.0%	$9.4M-35.6%	$14.5M+31.8%	$11.0M-1.4%	$11.2M+14.5%	$9.8M
EPS (Diluted)	$4.32+62.4%	$2.66-36.2%	$4.17+30.3%	$3.20-2.1%	$3.27+15.1%	$2.84

Metric	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24	Q4'23
Revenue	$25.9M+4.5%	$24.8M+5.6%	$23.5M-2.1%	$24.0M+1.3%	$23.7M+9.0%	$21.7M-0.8%	$21.9M-0.5%	$22.0M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$8.7M-4.2%	$9.1M-10.3%	$10.2M-3.1%	$10.5M-0.3%	$10.5M+9.9%	$9.6M+1.0%	$9.5M-2.4%	$9.7M
Income Tax	$1.3M+3.6%	$1.3M+161.9%	-$2.1M-207.2%	$1.9M+250.5%	$550K-6.0%	$585K+18.2%	$495K+600.0%	-$99K
Net Income	$5.6M+6.0%	$5.3M+175.6%	-$7.0M-212.7%	$6.2M+80.7%	$3.4M+7.5%	$3.2M+25.0%	$2.5M+6.4%	$2.4M
EPS (Diluted)	$1.04+6.1%	$0.98+164.1%	$-1.53-187.9%	$1.74+79.4%	$0.97+9.0%	$0.89+23.6%	$0.72+4.3%	$0.69

EFSI Balance Sheet

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Total Assets	$1.9B+2.2%	$1.8B+12.9%	$1.6B+24.1%	$1.3B+15.3%	$1.1B+28.8%	$877.3M
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$193.2M+39.6%	$138.4M+106.8%	$66.9M+4.4%	$64.1M-19.8%	$79.9M+137.4%	$33.7M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$1.7B+1.7%	$1.7B+13.3%	$1.5B+27.0%	$1.2B+16.4%	$1.0B+31.3%	$781.0M
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$119.0M+9.8%	$108.4M+6.5%	$101.7M-7.8%	$110.3M+5.0%	$105.1M+9.1%	$96.3M
Retained Earnings	$114.0M+10.2%	$103.4M+3.2%	$100.3M+11.7%	$89.8M+8.8%	$82.5M+10.2%	$74.9M

Metric	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24	Q4'23
Total Assets	$1.9B-5.0%	$2.0B+6.9%	$1.9B+2.1%	$1.9B-0.8%	$1.9B+5.1%	$1.8B+0.4%	$1.8B-2.3%	$1.8B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$268.1M-32.3%	$396.0M+49.5%	$264.9M+37.2%	$193.2M+6.6%	$181.2M+46.5%	$123.7M-3.1%	$127.6M-7.7%	$138.4M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Liabilities	$1.7B-5.8%	$1.9B+7.4%	$1.7B-1.1%	$1.7B-0.9%	$1.8B+5.0%	$1.7B+0.2%	$1.7B-2.4%	$1.7B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$185.6M+3.3%	$179.6M+1.8%	$176.5M+48.3%	$119.0M+1.0%	$117.8M+6.1%	$111.1M+3.2%	$107.7M-0.6%	$108.4M
Retained Earnings	$113.4M+3.6%	$109.5M+3.4%	$105.9M-7.1%	$114.0M+4.7%	$108.9M+2.2%	$106.6M+2.0%	$104.4M+1.0%	$103.4M

EFSI Cash Flow Statement

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Operating Cash Flow	$18.8M+172.9%	$6.9M-50.2%	$13.8M-16.1%	$16.5M+49.5%	$11.0M-3.0%	$11.3M
Capital Expenditures	$1.0M-4.9%	$1.1M+27.8%	$838K+61.2%	$520K+14.0%	$456K-65.3%	$1.3M
Free Cash Flow	$17.7M+205.7%	$5.8M-55.3%	$13.0M-18.6%	$15.9M+51.1%	$10.6M+5.1%	$10.0M
Investing Cash Flow	$16.7M+112.9%	-$130.3M+60.7%	-$331.3M-71.5%	-$193.2M+4.1%	-$201.5M-247.5%	-$58.0M
Financing Cash Flow	$19.3M-90.1%	$194.9M-39.2%	$320.3M+99.1%	$160.9M-32.0%	$236.7M+282.2%	$61.9M
Dividends Paid	$4.3M+1.7%	$4.2M+11.1%	$3.8M+16.8%	$3.3M+2.0%	$3.2M+6.7%	$3.0M
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24	Q4'23
Operating Cash Flow	$8.2M+220.0%	$2.6M-55.8%	$5.8M-8.2%	$6.3M-16.0%	$7.5M+512.6%	-$1.8M-127.0%	$6.8M+212.3%	-$6.0M
Capital Expenditures	$380K+45.0%	$262K-51.2%	$537K+96.7%	$273K+18.2%	$231K-45.1%	$421K+347.9%	$94K+267.9%	-$56K
Free Cash Flow	$7.8M+239.8%	$2.3M-56.2%	$5.3M-12.9%	$6.0M-17.0%	$7.3M+424.8%	-$2.2M-133.7%	$6.7M+209.8%	-$6.1M
Investing Cash Flow	-$22.9M-1093.1%	$2.3M-92.4%	$30.2M+8.8%	$27.8M+189.2%	-$31.2M-448.8%	-$5.7M-122.0%	$25.8M+205.0%	-$24.6M
Financing Cash Flow	-$113.2M-189.7%	$126.2M+252.9%	$35.8M+261.6%	-$22.1M-127.3%	$81.2M+2206.7%	$3.5M+108.1%	-$43.3M-260.9%	$26.9M
Dividends Paid	$1.7M-0.1%	$1.7M+50.3%	$1.1M+0.8%	$1.1M+3.5%	$1.1M-0.3%	$1.1M0.0%	$1.1M+1.0%	$1.1M
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

EFSI Financial Ratios

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	16.8%+5.5pp	11.3%-484022.1pp	484033.3%+479363.4pp	4669.9%+4641.2pp	28.7%+1.2pp	27.5%
Return on Equity	12.9%+4.3pp	8.6%-5.6pp	14.3%+4.3pp	10.0%-0.6pp	10.6%+0.5pp	10.1%
Return on Assets	0.8%+0.3pp	0.5%-0.4pp	0.9%+0.0pp	0.9%-0.1pp	1.0%-0.1pp	1.1%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	14.68-1.2	15.84+1.0	14.89+4.1	10.82+1.1	9.76+1.6	8.11
FCF Margin	19.4%+12.4pp	7.0%-432526.3pp	432533.3%+425779.5pp	6753.8%+6726.7pp	27.1%-1.2pp	28.3%

Metric	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24	Q4'23
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	21.5%+0.3pp	21.2%+50.9pp	-29.7%-55.5pp	25.8%+11.3pp	14.5%-0.2pp	14.6%+3.0pp	11.6%+0.8pp	10.9%
Return on Equity	3.0%+0.1pp	2.9%	N/A	5.2%+2.3pp	2.9%+0.0pp	2.9%+0.5pp	2.4%+0.2pp	2.2%
Return on Assets	0.3%+0.0pp	0.3%+0.6pp	-0.4%-0.7pp	0.3%+0.1pp	0.2%0.0pp	0.2%+0.0pp	0.1%+0.0pp	0.1%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	9.41-0.9	10.33+0.5	9.79-4.9	14.68-0.3	14.97-0.1	15.11-0.4	15.55-0.3	15.84
FCF Margin	30.2%+20.9pp	9.3%-13.1pp	22.4%-2.8pp	25.2%-5.6pp	30.8%+41.1pp	-10.3%-40.7pp	30.4%+58.0pp	-27.6%

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Frequently Asked Questions

What is Eagle Finl Svcs Inc's annual revenue?

Eagle Finl Svcs Inc (EFSI) reported $91.3M in total revenue for fiscal year 2024. This represents a 9.9% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Eagle Finl Svcs Inc's revenue growing?

Eagle Finl Svcs Inc (EFSI) revenue grew by 9.9% year-over-year, from $83.1M to $91.3M in fiscal year 2024.

Is Eagle Finl Svcs Inc profitable?

Yes, Eagle Finl Svcs Inc (EFSI) reported a net income of $15.3M in fiscal year 2024, with a net profit margin of 16.8%.

What is Eagle Finl Svcs Inc's earnings per share (EPS)?

Eagle Finl Svcs Inc (EFSI) reported diluted earnings per share of $4.32 for fiscal year 2024. This represents a 62.4% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

What is Eagle Finl Svcs Inc's net profit margin?

Eagle Finl Svcs Inc (EFSI) had a net profit margin of 16.8% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.

Does Eagle Finl Svcs Inc pay dividends?

Yes, Eagle Finl Svcs Inc (EFSI) paid $1.21 per share in dividends during fiscal year 2024.

What is Eagle Finl Svcs Inc's return on equity (ROE)?

Eagle Finl Svcs Inc (EFSI) has a return on equity of 12.9% for fiscal year 2024, measuring how efficiently the company generates profit from shareholder equity.

What is Eagle Finl Svcs Inc's free cash flow?

Eagle Finl Svcs Inc (EFSI) generated $17.7M in free cash flow during fiscal year 2024. This represents a 205.7% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Eagle Finl Svcs Inc's operating cash flow?

Eagle Finl Svcs Inc (EFSI) generated $18.8M in operating cash flow during fiscal year 2024, representing cash generated from core business activities.

What are Eagle Finl Svcs Inc's total assets?

Eagle Finl Svcs Inc (EFSI) had $1.9B in total assets as of fiscal year 2024, including both current and long-term assets.

What are Eagle Finl Svcs Inc's capital expenditures?

Eagle Finl Svcs Inc (EFSI) invested $1.0M in capital expenditures during fiscal year 2024, funding long-term assets and infrastructure.

How many shares does Eagle Finl Svcs Inc have outstanding?

Eagle Finl Svcs Inc (EFSI) had 4M shares outstanding as of fiscal year 2024.

What is Eagle Finl Svcs Inc's debt-to-equity ratio?

Eagle Finl Svcs Inc (EFSI) had a debt-to-equity ratio of 14.68 as of fiscal year 2024, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Eagle Finl Svcs Inc's return on assets (ROA)?

Eagle Finl Svcs Inc (EFSI) had a return on assets of 0.8% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.

What is Eagle Finl Svcs Inc's Piotroski F-Score?

Eagle Finl Svcs Inc (EFSI) has a Piotroski F-Score of 6 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Eagle Finl Svcs Inc's earnings high quality?

Eagle Finl Svcs Inc (EFSI) has an earnings quality ratio of 1.22x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Eagle Finl Svcs Inc?

Eagle Finl Svcs Inc (EFSI) scores 51 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.