Eagle Financial Services Inc (EFSI) Income Statement
EFSI 2025 at a glance
Fiscal year ended December 31, 2025 · U.S. dollarsEFSI revenue and net income
Where EFSI's revenue goes
2025Each bar shows an amount and its share of revenue. EFSI kept 7.9% of revenue as net income.
EFSI profit margins
EFSI growth rates
to 2025| 1 year | 3 years | 5 years | 10 years | |
|---|---|---|---|---|
| Revenue | −1.3% | +16.1% | +17.5% | +13.4% |
| Gross profit | +1.8% | +2.7% | +9.0% | +8.5% |
| Operating income | −47.5% | −17.5% | −5.7% | +0.6% |
| Net income | −46.5% | −17.3% | −6.0% | +1.8% |
| EPS (diluted) | −20.1% | −6.1% | +1.1% | +5.7% |
1-year change and average annual growth (CAGR) over 3, 5 and 10 fiscal years. "—" when a starting value was zero or negative.
EFSI quarterly EPS vs estimates
Eagle Financial Services beat the analyst EPS estimate in 4 of the last 8 quarters. Next report: October 22, 2026 (estimate $0.83).
EFSI income statement
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $104.5M | $105.9M | $95.9M | $66.7M | $52.7M | $46.6M | $41.5M | $37.0M | $34.3M | $31.5M |
| Cost of revenue | $40.1M | $42.6M | $34.5M | $7.3M | $3.2M | $4.7M | $4.9M | $3.3M | $529,000 | $879,000 |
| Gross profit | $64.4M | $63.3M | $61.4M | $59.4M | $49.5M | $41.9M | $36.6M | $33.7M | $33.8M | $30.6M |
| Sales, general & admin | $27.4M | $33.6M | $34.4M | $28.3M | $24.0M | $21.5M | $17.9M | $16.5M | $16.0M | $15.2M |
| Total operating expenses | $54.5M | $44.4M | $50.8M | $41.8M | $36.7M | $28.6M | $25.1M | $23.4M | $22.4M | $21.7M |
| Operating income | $9.9M | $18.9M | $10.6M | $17.7M | $12.8M | $13.3M | $11.6M | $10.3M | $11.4M | $8.9M |
| Interest income | $98.6M | $90.7M | $82.6M | $54.6M | $42.6M | $38.8M | $35.4M | $31.9M | $28.3M | $25.7M |
| Interest expense | $36.4M | $40.1M | $32.8M | $5.5M | $1.7M | $3.3M | $4.2M | $2.5M | $1.2M | $1.1M |
| Income before taxes | $9.9M | $18.9M | $10.6M | $17.7M | $12.8M | $13.3M | $11.6M | $10.3M | $11.4M | $8.9M |
| Income taxes | $1.7M | $3.6M | $1.3M | $3.1M | $1.8M | $2.1M | $1.8M | $1.3M | $3.6M | $2.6M |
| Net income | $8.2M | $15.3M | $9.4M | $14.5M | $11.0M | $11.2M | $9.8M | $9.0M | $7.8M | $6.4M |
| EBITDA | $10.7M | $19.9M | $11.6M | $18.6M | $13.8M | $14.3M | $12.9M | $11.2M | $12.4M | $10.1M |
| EPS (diluted) | $3.45 | $4.32 | $2.66 | $4.17 | $3.20 | $3.27 | $2.84 | $2.60 | $2.26 | $1.96 |
| Gross margin | 61.6% | 59.7% | 64.0% | 89.1% | 94.0% | 89.8% | 88.3% | 91.1% | 98.5% | 97.2% |
| Operating margin | 9.5% | 17.8% | 11.1% | 26.5% | 24.3% | 28.5% | 27.9% | 27.9% | 33.2% | 28.4% |
| Net margin | 7.9% | 14.5% | 9.8% | 21.8% | 20.9% | 24.0% | 23.5% | 24.3% | 22.7% | 20.2% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $33.0M | $23.8M | $30.1M | $30.7M | $29.3M | $14.4M | $27.8M | $27.8M | $25.7M | $24.9M | $25.2M | $25.8M |
| Cost of revenue | $10.9M | $7.9M | $9.1M | $9.8M | $9.8M | $11.4M | $10.8M | $12.1M | $9.8M | $10.0M | $10.1M | $9.5M |
| Gross profit | $22.1M | $15.9M | $21.0M | $20.9M | $19.5M | $3.0M | $16.9M | $15.8M | $15.9M | $14.9M | $15.2M | $16.3M |
| Sales, general & admin | $11.5M | $14.2M | $9.7M | $9.2M | $793,000 | $7.7M | $9.4M | $8.1M | $7.9M | $7.8M | $10.2M | $8.3M |
| Total operating expenses | $15.5M | $16.2M | $15.5M | $14.0M | $12.9M | $12.1M | $8.8M | $11.8M | $12.1M | $11.9M | $12.9M | $13.5M |
| Operating income | $6.5M | −$270,000 | $5.5M | $6.9M | $6.5M | −$9.0M | $8.1M | $4.0M | $3.8M | $3.0M | $2.3M | $2.8M |
| Interest income | $24.3M | $23.8M | $24.7M | $25.9M | $24.7M | $23.4M | $23.8M | $23.5M | $21.6M | $21.7M | $21.9M | $22.0M |
| Interest expense | $7.4M | $7.9M | $8.4M | $8.7M | $9.1M | $10.2M | $10.5M | $10.5M | $9.6M | $9.5M | $9.7M | $9.3M |
| Income before taxes | $6.5M | $4.7M | $5.5M | $6.9M | $6.5M | −$9.0M | $8.1M | $4.0M | $3.8M | $3.0M | $2.3M | $2.8M |
| Income taxes | $1.5M | $918,000 | $1.2M | $1.3M | $1.3M | −$2.1M | $1.9M | $550,000 | $585,000 | $495,000 | −$99,000 | $457,000 |
| Net income | $5.0M | $3.7M | $4.3M | $5.6M | $5.3M | −$7.0M | $6.2M | $3.4M | $3.2M | $2.5M | $2.4M | $2.3M |
| EBITDA | $6.5M | −$66,000 | $5.7M | $7.1M | $6.7M | −$8.8M | $8.4M | $4.2M | $4.0M | $3.3M | $2.6M | $3.0M |
| EPS (diluted) | $0.41 | $0.69 | $0.81 | $1.04 | $0.98 | $0.62 | $1.74 | $0.96 | $0.90 | $0.72 | $0.68 | $0.66 |
| Gross margin | 66.9% | 66.7% | 69.9% | 67.9% | 66.6% | 21.1% | 61.0% | 56.8% | 62.0% | 59.9% | 60.0% | 63.2% |
| Operating margin | 19.8% | −1.1% | 18.3% | 22.5% | 22.4% | −62.6% | 29.2% | 14.3% | 14.7% | 12.2% | 9.1% | 10.8% |
| Net margin | 15.1% | 15.7% | 14.4% | 18.2% | 18.0% | −48.3% | 22.3% | 12.3% | 12.4% | 10.2% | 9.5% | 9.0% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported in EFSI's financial statements (latest annual report filed March 16, 2026); data from EODHD. Sales, general & administrative expenses include sales and marketing.
EFSI financial results
In fiscal year 2025 (ended December 31, 2025), Eagle Financial Services reported revenue of $104.5 million, down 1.3% from the year before. It had net income of $8.2 million (down 46.5%), a net profit margin of 7.9%. Diluted earnings per share came to $3.45. Over five years revenue grew at an average rate of 17.5% a year.
See the EFSI stock overview for the latest quote and news, or the EFSI chart for price history and technical indicators.
EFSI income statement FAQ
What is Eagle Financial Services's annual revenue?
Eagle Financial Services reported total revenue of $104.5 million for fiscal year 2025, which ended on December 31, 2025. That was down 1.3% from $105.9 million the previous year.
Is Eagle Financial Services profitable?
Yes. Eagle Financial Services reported net income of $8.2 million in fiscal 2025, a net profit margin of 7.9%; its operating margin was 9.5%.
What is Eagle Financial Services's gross margin?
Eagle Financial Services's gross margin was 61.6% in fiscal 2025: for every $100 of revenue, Eagle Financial Services kept $62 after the direct cost of its products and services.
How fast is Eagle Financial Services growing?
Revenue grew 17.5% a year on average over the last five fiscal years, from $46.6 million to $104.5 million.
What are Eagle Financial Services's earnings per share?
Eagle Financial Services earned $3.45 per diluted share in fiscal 2025, compared with $4.32 a year earlier.
When will Eagle Financial Services report its next earnings?
Eagle Financial Services is expected to report results for the quarter ending September 30, 2026 on October 22, 2026 after the market closes.
When does Eagle Financial Services's fiscal year end?
Eagle Financial Services's fiscal year ends in December. The latest annual report covers the year ended December 31, 2025 and was filed on March 16, 2026.