Eagle Financial Services (NASDAQ: EFSI) furnishes Q4 2025 results and investor call details

Rhea-AI Filing Summary

Eagle Financial Services, Inc. filed a current report to furnish its press release announcing financial results for the quarter ended December 31, 2025. The company also scheduled a conference call for investors and analysts on January 27, 2026 at 10 a.m. Eastern Time to discuss its fourth quarter results.

The report includes the earnings press release as Exhibit 99.1 and an investor presentation as Exhibit 99.2, which may be used in meetings with investors and analysts. These materials are treated as furnished rather than filed under the securities laws, and the company includes standard cautionary language regarding forward-looking statements about future operations, performance, and market conditions.

8-K Event Classification

3 items: 2.02, 7.01, 9.01

3 items

Item 2.02 Results of Operations and Financial Condition Financial

Disclosure of earnings results, typically an earnings press release or preliminary financials.

Item 7.01 Regulation FD Disclosure Disclosure

Material non-public information disclosed under Regulation Fair Disclosure, often investor presentations or guidance.

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, and exhibit attachments filed with this report.

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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549

FORM 8-K

CURRENT REPORT

Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934

Date of Report (Date of earliest event reported): January 26, 2026

EAGLE FINANCIAL SERVICES, INC.

(Exact name of Registrant as Specified in Its Charter)

Virginia			001-42512	54-1601306
(State or Other Jurisdiction of Incorporation)			(Commission File Number)	(IRS Employer Identification No.)
2 East Main Street
Berryville, Virginia				22611
(Address of Principal Executive Offices)				(Zip Code)

Registrant’s Telephone Number, Including Area Code: (540) 955-2510

(Former Name or Former Address, if Changed Since Last Report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:

☐Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class		Trading Symbol(s)		Name of each exchange on which registered
Common stock, $2.50 par value per share		EFSI		The Nasdaq Stock Market LLC

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§ 230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§ 240.12b-2 of this chapter).

Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Item 2.02 Results of Operations and Financial Condition

On January 26, 2026, the Registrant issued a press release announcing the results for the quarter ended December 31, 2025.

A copy of the Company’s press release with respect to the results for the quarter ended December 31, 2025 is attached as Exhibit 99.1 to this Current Report on Form 8-K and is incorporated by reference into this Item 2.02. The Registrant also announced in the press release that it will host a conference call for investors and analysts on Tuesday, January 27, 2026 at 10 a.m. (Eastern Time) to discuss fourth quarter results.

Item 7.01 Regulation FD Disclosure

Attached as Exhibit 99.2 to this report is the earnings presentation which also may be used in connection with potential meetings with investors and/or analysts.

The information provided pursuant to these Items 2.02 and 7.01 is to be considered “furnished” pursuant to Form 8-K and shall not be deemed to be “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liabilities under that Section, nor shall it be deemed incorporated by reference into any of the Company’s reports or filings under the Securities Act of 1933 or the Exchange Act, except as expressly set forth by specific reference in such report or filing. The filing of this Current Report shall not be deemed an admission as to the materiality of any information in the Current Report that is required to be disclosed solely by reason of Regulation FD.

A cautionary note about forward-looking statements: This Current Report may contain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Such forward-looking statements can include statements about estimated cost savings, plans and objectives for future operations and expectations about the Company’s financial and business performance as well as economic and market conditions. They often can be identified by the use of words like “expect,” “may,” “could,” “intend,” “project,” “estimate,” “believe” or “anticipate.” By their nature, forward-looking statements are based on assumptions and are subject to risks, uncertainties, and other factors. You are cautioned that actual results may differ materially from those contained in the forward-looking statement.

Any forward-looking statements are intended to speak only as of the date of this Current Report, and the Company undertakes no obligation to update any forward-looking statement to reflect events or circumstances after the date on which the forward-looking statement is made or to reflect the occurrence of unanticipated events.

Item 9.01 Financial Statements and Exhibits

(d) Exhibits.

Exhibit No.		Description
99.1 99.2 104		Press release, dated January 26, 2026 Eagle Financial Services, Inc. Investor Presentation Cover Page Interactive Data File – the cover page XBRL tags are embedded within the Inline XBRL document

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, as amended, the Registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

Dated: January 27, 2026

Eagle Financial Services, Inc.
By:		/s/ KATHLEEN J. CHAPPELL
		Kathleen J. Chappell
		Executive Vice President and CFO

FAQ

What did Eagle Financial Services, Inc. (EFSI) disclose in this 8-K?

Eagle Financial Services, Inc. furnished an 8-K to provide its press release announcing financial results for the quarter ended December 31, 2025 and to make available an associated investor presentation.

When is Eagle Financial Services, Inc. (EFSI) holding its fourth quarter 2025 earnings call?

The company stated it will host a conference call for investors and analysts on Tuesday, January 27, 2026 at 10 a.m. Eastern Time to discuss fourth quarter 2025 results.

Which exhibits are included with Eagle Financial Services, Inc.’s (EFSI) 8-K?

The 8-K lists Exhibit 99.1 as the press release dated January 26, 2026, Exhibit 99.2 as the Eagle Financial Services, Inc. investor presentation, and Exhibit 104 as the cover page Inline XBRL data tags.

Are Eagle Financial Services, Inc.’s (EFSI) earnings materials considered filed or furnished?

The company states that the information provided under Items 2.02 and 7.01, including the press release and investor presentation, is considered “furnished” and not “filed” for purposes of Section 18 of the Securities Exchange Act of 1934.

Does Eagle Financial Services, Inc. (EFSI) include forward-looking statements in these earnings materials?

Yes. The company notes that the materials may contain forward-looking statements about cost savings, plans and objectives for future operations, and expectations for financial and business performance, and it cautions that actual results may differ materially.

Who signed the Eagle Financial Services, Inc. (EFSI) 8-K on behalf of the company?

The report was signed on behalf of Eagle Financial Services, Inc. by Kathleen J. Chappell, Executive Vice President and Chief Financial Officer.