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

Eagle Finl Svcs Inc (EFSI) reported diluted earnings per share of $1.59 for fiscal year 2025. This represents a -63.2% 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.

Eagle Finl Svcs Inc Financials

EFSI

Source SEC Filings (10-K/10-Q) Updated Dec 31, 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 17 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 39/100

Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth

Eagle Finl Svcs Inc's revenue grew 8.4% year-over-year to $99.0M, a solid pace of expansion. This earns a growth score of 47/100.

Leverage

Eagle Finl Svcs Inc has elevated debt relative to equity (D/E of 9.00), 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 24.6% of revenue into free cash flow ($24.3M). This strong cash generation earns a score of 86/100.

Returns

Eagle Finl Svcs Inc generates a 4.3% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 21/100. This is down from 12.9% the prior year.

Piotroski F-Score Neutral

4/9

Eagle Finl Svcs Inc passes 4 of 9 financial strength tests. 3 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), both operating efficiency signals pass.

Earnings Quality Cash-Backed

3.14x

For every $1 of reported earnings, Eagle Finl Svcs Inc generates $3.14 in operating cash flow ($25.8M OCF vs $8.2M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

Export CSV

Earnings & Revenue

Revenue

$99.0M

YoY+8.4%

5Y CAGR+20.5%

10Y CAGR+15.0%

Eagle Finl Svcs Inc generated $99.0M in revenue in fiscal year 2025. This represents an increase of 8.4% from the prior year.

EBITDA

N/A

Net Income

$8.2M

YoY-46.5%

5Y CAGR-6.0%

10Y CAGR+1.8%

Eagle Finl Svcs Inc reported $8.2M in net income in fiscal year 2025. This represents a decrease of 46.5% from the prior year.

EPS (Diluted)

$1.59

YoY-63.2%

5Y CAGR-13.4%

10Y CAGR-2.1%

Eagle Finl Svcs Inc earned $1.59 per diluted share (EPS) in fiscal year 2025. This represents a decrease of 63.2% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$24.3M

YoY+37.2%

5Y CAGR+18.2%

10Y CAGR+19.0%

Eagle Finl Svcs Inc generated $24.3M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 37.2% from the prior year.

Cash & Debt

$217.2M

YoY+12.4%

5Y CAGR+22.1%

10Y CAGR+25.1%

Eagle Finl Svcs Inc held $217.2M in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

$1.24

YoY+2.5%

5Y CAGR+3.6%

10Y CAGR+4.5%

Eagle Finl Svcs Inc paid $1.24 per share in dividends in fiscal year 2025. This represents an increase of 2.5% from the prior year.

Shares Outstanding

YoY+51.4%

5Y CAGR+9.6%

Eagle Finl Svcs Inc had 5M shares outstanding in fiscal year 2025. This represents an increase of 51.4% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

8.3%

YoY-8.5pp

5Y CAGR-20.4pp

10Y CAGR-19.9pp

Eagle Finl Svcs Inc's net profit margin was 8.3% in fiscal year 2025, showing the share of revenue converted to profit. This is down 8.5 percentage points from the prior year.

Return on Equity

4.3%

YoY-8.5pp

5Y CAGR-6.3pp

10Y CAGR-4.5pp

Eagle Finl Svcs Inc's ROE was 4.3% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 8.5 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

N/A

Capital Expenditures

$1.4M

YoY+38.0%

5Y CAGR+25.3%

10Y CAGR-6.9%

Eagle Finl Svcs Inc invested $1.4M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 38.0% from the prior year.

EFSI Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$99.0M+8.4%	$91.3M+9.9%	$83.1M+2769666.7%	$3K-98.7%	$236K-99.4%	$38.9M
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	$36.4M-9.2%	$40.1M+22.1%	$32.8M+500.0%	$5.5M+226.4%	$1.7M-48.9%	$3.3M
Income Tax	$1.7M-51.9%	$3.6M+178.8%	$1.3M-59.5%	$3.1M+78.4%	$1.8M-17.3%	$2.1M
Net Income	$8.2M-46.5%	$15.3M+64.0%	$9.4M-35.6%	$14.5M+31.8%	$11.0M-1.4%	$11.2M
EPS (Diluted)	$1.59-63.2%	$4.32+62.4%	$2.66-36.2%	$4.17+30.3%	$3.20-2.1%	$3.27

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Revenue	$24.8M-4.5%	$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
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	N/A	$8.7M-4.2%	$9.1M-10.3%	$10.2M	N/A	$10.5M+9.9%	$9.6M+1.0%	$9.5M
Income Tax	N/A	$1.3M+3.6%	$1.3M+161.9%	-$2.1M	N/A	$550K-6.0%	$585K+18.2%	$495K
Net Income	$4.3M-22.4%	$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
EPS (Diluted)	$0.81-22.1%	$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

EFSI Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$1.9B+1.2%	$1.9B+2.2%	$1.8B+12.9%	$1.6B+24.1%	$1.3B+15.3%	$1.1B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$217.2M+12.4%	$193.2M+39.6%	$138.4M+106.8%	$66.9M+4.4%	$64.1M-19.8%	$79.9M
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-2.7%	$1.7B+1.7%	$1.7B+13.3%	$1.5B+27.0%	$1.2B+16.4%	$1.0B
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	$188.8M+58.7%	$119.0M+9.8%	$108.4M+6.5%	$101.7M-7.8%	$110.3M+5.0%	$105.1M
Retained Earnings	$116.1M+1.8%	$114.0M+10.2%	$103.4M+3.2%	$100.3M+11.7%	$89.8M+8.8%	$82.5M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Total Assets	$1.9B-2.3%	$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
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$217.2M-19.0%	$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
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-2.7%	$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
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	$188.8M+1.8%	$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
Retained Earnings	$116.1M+2.4%	$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

EFSI Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$25.8M+37.3%	$18.8M+172.9%	$6.9M-50.2%	$13.8M-16.1%	$16.5M+49.5%	$11.0M
Capital Expenditures	$1.4M+38.0%	$1.0M-4.9%	$1.1M+27.8%	$838K+61.2%	$520K+14.0%	$456K
Free Cash Flow	$24.3M+37.2%	$17.7M+205.7%	$5.8M-55.3%	$13.0M-18.6%	$15.9M+51.1%	$10.6M
Investing Cash Flow	-$965K-105.8%	$16.7M+112.9%	-$130.3M+60.7%	-$331.3M-71.5%	-$193.2M+4.1%	-$201.5M
Financing Cash Flow	-$754K-103.9%	$19.3M-90.1%	$194.9M-39.2%	$320.3M+99.1%	$160.9M-32.0%	$236.7M
Dividends Paid	$6.1M+42.1%	$4.3M+1.7%	$4.2M+11.1%	$3.8M+16.8%	$3.3M+2.0%	$3.2M
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Operating Cash Flow	$9.2M+11.8%	$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
Capital Expenditures	$227K-40.3%	$380K+45.0%	$262K-51.2%	$537K+96.7%	$273K+18.2%	$231K-45.1%	$421K+347.9%	$94K
Free Cash Flow	$9.0M+14.3%	$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
Investing Cash Flow	-$10.6M+53.5%	-$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
Financing Cash Flow	-$49.5M+56.3%	-$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
Dividends Paid	$1.7M+0.1%	$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
Share Buybacks	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

EFSI Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
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	8.3%-8.5pp	16.8%+5.5pp	11.3%-484022.1pp	484033.3%+479363.4pp	4669.9%+4641.2pp	28.7%
Return on Equity	4.3%-8.5pp	12.9%+4.3pp	8.6%-5.6pp	14.3%+4.3pp	10.0%-0.6pp	10.6%
Return on Assets	0.4%-0.4pp	0.8%+0.3pp	0.5%-0.4pp	0.9%+0.0pp	0.9%-0.1pp	1.0%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	9.00-5.7	14.68-1.2	15.84+1.0	14.89+4.1	10.82+1.1	9.76
FCF Margin	24.6%+5.2pp	19.4%+12.4pp	7.0%-432526.3pp	432533.3%+425779.5pp	6753.8%+6726.7pp	27.1%

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
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	17.5%-4.0pp	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%
Return on Equity	2.3%-0.7pp	3.0%+0.1pp	2.9%+6.9pp	-4.0%-9.2pp	5.2%+2.3pp	2.9%+0.0pp	2.9%+0.5pp	2.4%
Return on Assets	0.2%-0.1pp	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%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	9.00-0.4	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
FCF Margin	36.2%+6.0pp	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%

Similar Companies

Chain Bridge Bancorp CBNA

$229.0M

First Savings FSFG

$238.4M

National Bankshares Inc Va NKSH

$231.7M

Lcnb Corp LCNB

$229.7M

Penns Woods Bancorp Inc PWOD

$228.4M

Frequently Asked Questions

What is Eagle Finl Svcs Inc's annual revenue?

Eagle Finl Svcs Inc (EFSI) reported $99.0M in total revenue for fiscal year 2025. This represents a 8.4% 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 8.4% year-over-year, from $91.3M to $99.0M in fiscal year 2025.

Is Eagle Finl Svcs Inc profitable?

Yes, Eagle Finl Svcs Inc (EFSI) reported a net income of $8.2M in fiscal year 2025, with a net profit margin of 8.3%.

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

Eagle Finl Svcs Inc (EFSI) had a net profit margin of 8.3% in fiscal year 2025, 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 $1.24 per share in dividends during fiscal year 2025.

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

Eagle Finl Svcs Inc (EFSI) has a return on equity of 4.3% for fiscal year 2025, 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 $24.3M in free cash flow during fiscal year 2025. This represents a 37.2% 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 $25.8M in operating cash flow during fiscal year 2025, 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 2025, including both current and long-term assets.

What are Eagle Finl Svcs Inc's capital expenditures?

Eagle Finl Svcs Inc (EFSI) invested $1.4M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

How many shares does Eagle Finl Svcs Inc have outstanding?

Eagle Finl Svcs Inc (EFSI) had 5M shares outstanding as of fiscal year 2025.

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

Eagle Finl Svcs Inc (EFSI) had a debt-to-equity ratio of 9.00 as of fiscal year 2025, 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 0.4% for fiscal year 2025, 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 4 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 3.14x, 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 39 out of 100 on our Financial Profile, indicating weak 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.