EFSI

Eagle reported Q1 net income of $3.7 million ($0.69/share) with margin and efficiency gains — a higher net interest margin of 3.63% and an improved efficiency ratio of 68% — though earnings were modestly below the prior quarter. Provision for credit losses increased to $2.0 million driven by specific reserves for two commercial relationships and non-performing assets rose to 0.80% of assets; management says collateral appears sufficient, net recoveries were recorded, and reserves were strengthened while one large problem relationship is being closely monitored. The bank fully paid down its remaining FHLB borrowing, reducing reliance on wholesale funding and boosting balance-sheet flexibility, while loan activity remained steady with a growing pipeline of $275 million. Interested in Eagle Financial Services Inc.? Here are five stocks we like better. Eagle Financial Services (NASDAQ:EFSI) reported first-quarter net income of $3.7 million, or $0.69 per diluted share, as the company pointed to margin expansion, improved operating efficiency, and what management described as well-controlled credit metrics despite a higher provision expense tied to specific credits. In prepared remarks, CEO Brandon Lorey said the company’s first-quarter performance showed “continued progress executing against our long-term strategy,” while operating in what he described as a “more normalized growth environment following the liquidity events that we discussed throughout 2025.” → Pipelines and Automation: 2 Energy Plays Built for Any Oil Price Compared with the fourth quarter, earnings were lower. CFO Kathleen Chappell said net income of $3.7 million compared to $4.3 million in the prior quarter. Chappell reported return on average assets of 0.81% and return on average equity of 7.98% for the quarter. Lorey acknowledged the modest sequential decline in earnings but said “the underlying performance of the franchise remained solid,” citing stronger margins, a better efficiency ratio, and stable credit quality. → 3 Stocks Poised to Grow on European Rearmament Spending The company reported net interest income of $15.9 million, which Chappell said was down modestly from the fourth quarter “primarily due to lower average earning assets.” However, Eagle Financial posted a higher net interest margin of 3.63%. Lorey said net interest margin increased to 3.63% “driven primarily by continued i...

BERRYVILLE, Va., April 23, 2026 /PRNewswire/ -- Eagle Financial Services, Inc. (NASDAQ: EFSI) (the "Company"), the holding company for Bank of Clarke, announced its first quarter 2026 results. Also, on April 23, 2026, the Board of Directors announced a quarterly common stock cash dividend of $0.31 per common share, payable on May 15, 2026, to shareholders of record on May 4, 2026. The following table presents selected financial performance highlights for the periods indicated: Additional key highlights for the first quarter of 2026 are as follows: Net interest margin increased from 3.61% for the quarter ended December 31, 2025 to 3.63% for the quarter ended March 31, 2026. Net interest spread increased from 2.74% for the quarter ended December 31, 2025 to 2.80% for the quarter ended March 31, 2026. Efficiency ratio decreased from 70.39% for the quarter ended December 31, 2025 to 67.97% for the quarter ended March 31, 2026. Brandon Lorey, President and CEO, stated, "Our first quarter results reflect steady progress in our core operating performance and continued improvement in several key metrics. Net interest margin increased modestly, efficiency improved from the prior quarter, and asset quality remained stable. These results demonstrate the impact of the balance sheet actions we have taken and our ongoing focus on disciplined execution. We continue to maintain solid capital and liquidity levels, which positions us to thoughtfully support our customers and communities while remaining mindful of the broader economic environment." Summary Total net income for the quarters ended March 31, 2026 and December 31, 2025 was $3.7 million and $4.3 million, respectively. Net loss was $7.0 million for the quarter ended March 31, 2025. For the quarter ended March 31, 2026, net income decreased $594 thousand or 13.7% from the quarter ended December 31, 2025 and increased $10.7 million or 153.6% from the quarter ended March 31, 2025. The decrease from the quarter ended December 31, 2025 was due to a decrease in interest and dividend income as well as an increase in the provision for credit losses during the quarter ended March 31, 2026. These changes are discussed below in greater detail. The increase from the quarter ended March 31, 2025 was primarily due to the loss on sales of securities as a part of the balance sheet repositioning during the first quarter of 2025. Exc...

Eagle reported Q4 net income of $4.3 million ($0.81 per diluted share), down from Q3 as lower net interest income and higher salaries/incentives pushed non‑interest expense up 8% and raised the efficiency ratio to 70.3%. The bank posted $13.1 million of net loan growth in Q4 driven by commercial real estate and C&I originations, which largely offset a $10.3 million reduction in the marine portfolio, and the loan pipeline entering 2026 is over $100 million higher year‑over‑year. Credit quality is steady with non‑performing assets at $14.6 million (0.77% of assets), and management reiterated a focus on relationship‑driven organic growth and a disciplined approach to any M&A. Interested in Eagle Financial Services Inc.? Here are five stocks we like better. Eagle Financial Services (NASDAQ:EFSI) executives highlighted steady credit quality, continued commercial loan growth and a more expense-heavy quarter during the company’s fourth-quarter earnings call, while reiterating a focus on relationship-driven banking and disciplined balance sheet management heading into 2026. CEO Brandon Lorey said the company’s fourth-quarter results reflected “the progress we’ve made throughout 2025 and the intentional way we executed our strategy.” Eagle Financial Services reported net income of $4.3 million for the quarter, down from $5.6 million in the third quarter. Lorey attributed the linked-quarter change primarily to lower net interest income and higher salaries and benefits, which he said were anticipated as part of continued investment in staff. → Kinder Morgan’s Natural Gas/Dividend Growth Cycle Still in Play CFO Kate Chappell added that fourth-quarter net income was $4.3 million, or $0.81 per diluted share. The company posted an annualized return on average assets of 0.91% and an annualized return on average equity of 9.18% for the quarter. The efficiency ratio rose to 70.3% from 64.1% in the third quarter. Chappell reported net interest income of $16.4 million, a 4.8% decrease from the third quarter. She said the decline was driven by “the expected outflow of excess cash as the customer worked through the disposition of proceeds from the sale of their business.” → The Last Time Qualcomm’s RSI Did This, the Stock Rallied 70% Despite the decline in net interest income, net interest margin improved slightly to 3.61% from 3.58% in the third quarter. Chappell said the increa...

BERRYVILLE, Va., Jan. 26, 2026 /PRNewswire/ -- Eagle Financial Services, Inc. (NASDAQ: EFSI) (the "Company"), the holding company for Bank of Clarke, announced its fourth quarter 2025 results. The following table presents selected financial performance highlights for the periods indicated: Additional key highlights for the fourth quarter of 2025 are as follows: Non-interest income to average assets increased to 1.12% for the three months ended December 31, 2025 as compared to 1.02% for the prior quarter. Wealth management fee income increased 25.8% to $2.3 million for the three months ended December 31, 2025 as compared to the prior quarter. Loan yield increased from 5.68% for the quarter ended September 30, 2025 to 5.76% for the quarter ended December 31, 2025. Net interest spread increased from 2.57% for the quarter ended September 30, 2025 to 2.74% for the quarter ended December 31, 2025. Brandon Lorey, President and CEO, stated, "2025 was a pivotal year for our organization, marked by a successful capital raise, the strategic balance sheet repositioning, and subsequent uplist to NASDAQ that have significantly strengthened our balance sheet and improved our forward earnings profile. Net of the 2024 sale leaseback transaction, annualized return on average assets increased 36%, led by a 19% improvement in net interest margin over the year. Importantly, the steps we have taken—both operationally and strategically—have further strengthened our franchise value, positioning us for sustained growth, resilience, and enhanced competitiveness in the years ahead. I want to extend my sincere appreciation to our employees, whose dedication and professionalism made this progress possible. To our customers, thank you for placing your trust in us every day. And to our shareholders, we are grateful for your continued confidence and support as we advance our strategic priorities." Income Statement Review Total net income for the quarters ended December 31, 2025 and September 30, 2025 was $4.3 million and $5.6 million, respectively. Net income was $6.2 million for the quarter ended December 31, 2024. For the quarter ended December 31, 2025, net income decreased $1.3 million or 22.4% from the quarter ended September 30, 2025 and decreased $1.9 million or 29.9% from the quarter ended December 31, 2024. The decrease from the quarter ended September 30, 2025 was due to a decrea...

This article first appeared on GuruFocus. Eagle Financial Services Inc (NASDAQ:EFSI) is set to release its Q4 2025 earnings on Jan 27, 2026. The consensus estimate for Q4 2025 revenue is $20.40 million, and the earnings are expected to come in at $0.87 per share. The full year 2025's revenue is expected to be $73.23 million and the earnings are expected to be $1.29 per share. More detailed estimate data can be found on the Forecast page. Warning! GuruFocus has detected 9 Warning Sign with EFSI. Is EFSI fairly valued? Test your thesis with our free DCF calculator. Over the past 90 days, revenue estimates for Eagle Financial Services Inc (NASDAQ:EFSI) have increased from $72.88 million to $73.23 million for the full year 2025, and from $83.49 million to $83.69 million for 2026. Meanwhile, earnings estimates have declined from $1.42 per share to $1.29 per share for the full year 2025, but have increased from $3.71 per share to $3.86 per share for 2026. In the previous quarter of 2025-09-30, Eagle Financial Services Inc's (NASDAQ:EFSI) actual revenue was $22.36 million, which beat analysts' revenue expectations of $21.28 million by 5.09%. Eagle Financial Services Inc's (NASDAQ:EFSI) actual earnings were $1.04 per share, which missed analysts' earnings expectations of $1.11 per share by -6.31%. After releasing the results, Eagle Financial Services Inc (NASDAQ:EFSI) was up by 0.92% in one day. Based on the one-year price targets offered by 2 analysts, the average target price for Eagle Financial Services Inc (NASDAQ:EFSI) is $42.00 with a high estimate of $42.00 and a low estimate of $42.00. The average target implies an upside of 4.92% from the current price of $40.03. Based on GuruFocus estimates, the estimated GF Value for Eagle Financial Services Inc (NASDAQ:EFSI) in one year is $28.90, suggesting a downside of -27.80% from the current price of $40.03. Based on the consensus recommendation from 2 brokerage firms, Eagle Financial Services Inc's (NASDAQ:EFSI) average brokerage recommendation is currently 2.0, indicating an "Outperform" status. The rating scale ranges from 1 to 5, where 1 signifies Strong Buy, and 5 denotes Sell.

This article first appeared on GuruFocus. Eagle Financial Services Inc (NASDAQ:EFSI) is set to release its Q4 2025 earnings on Jan 26, 2026. The consensus estimate for Q4 2025 revenue is $20.40 million, and the earnings are expected to come in at $0.87 per share. The full year 2025's revenue is expected to be $73.23 million, and the earnings are expected to be $1.29 per share. More detailed estimate data can be found on the Forecast page. Warning! GuruFocus has detected 9 Warning Sign with EFSI. Is EFSI fairly valued? Test your thesis with our free DCF calculator. Revenue estimates for Eagle Financial Services Inc (NASDAQ:EFSI) have increased from $72.88 million to $73.23 million for the full year 2025 and from $83.49 million to $83.69 million for 2026 over the past 90 days. Earnings estimates have declined from $1.42 per share to $1.29 per share for the full year 2025, while they have increased from $3.71 per share to $3.86 per share for 2026 over the same period. In the previous quarter of 2025-09-30, Eagle Financial Services Inc's (NASDAQ:EFSI) actual revenue was $22.36 million, which beat analysts' revenue expectations of $21.28 million by 5.09%. Eagle Financial Services Inc's (NASDAQ:EFSI) actual earnings were $1.04 per share, which missed analysts' earnings expectations of $1.11 per share by -6.31%. After releasing the results, Eagle Financial Services Inc (NASDAQ:EFSI) was up by 0.92% in one day. Based on the one-year price targets offered by 2 analysts, the average target price for Eagle Financial Services Inc (NASDAQ:EFSI) is $42 with a high estimate of $42 and a low estimate of $42. The average target implies an upside of 3.73% from the current price of $40.49. Based on GuruFocus estimates, the estimated GF Value for Eagle Financial Services Inc (NASDAQ:EFSI) in one year is $28.90, suggesting a downside of -28.62% from the current price of $40.49. Based on the consensus recommendation from 2 brokerage firms, Eagle Financial Services Inc's (NASDAQ:EFSI) average brokerage recommendation is currently 2.0, indicating an "Outperform" status. The rating scale ranges from 1 to 5, where 1 signifies Strong Buy, and 5 denotes Sell.

BERRYVILLE, Va., Jan. 21, 2026 /PRNewswire/ -- Eagle Financial Services, Inc. (NASDAQ: EFSI) (the Company), the holding company for Bank of Clarke, declared a regular cash dividend on January 21, 2026, of $0.31 per common share payable February 13, 2026, to shareholders of record on February 2, 2026. Eagle Financial Services, Inc. will release its financial results for the quarter and year ended December 31, 2025, after the market closes on January 26, 2026. The Company will also host a listen-only conference call and webcast to discuss fourth quarter results on January 27, 2026. More details related to the call and how to listen to it will be available in the Company's 2025 fourth quarter earnings release. The Bank of Clarke offers a broad range of commercial banking, retail banking and trust and investment services through 14 bank branches located throughout Clarke, Frederick, Loudoun, Fairfax and Fauquier Counties, as well as the City of Winchester, Towns of Purcellville and Leesburg and Ashburn, VA. The Bank also has a loan production office in Frederick, MD. The Company's common stock trades NASDAQ under the symbol EFSI. View original content to download multimedia:https://www.prnewswire.com/news-releases/eagle-financial-services-inc-announces-quarterly-dividend-and-release-date-for-2025-fourth-quarter-earnings-302667108.html

BERRYVILLE, Va., Oct. 23, 2025 /PRNewswire/ -- Eagle Financial Services, Inc. (NASDAQ: EFSI) (the "Company"), the holding company for Bank of Clarke announced its third quarter 2025 results. On October 23, 2025, the Board of Directors announced a quarterly common stock cash dividend of $0.31 per common share, payable on November 14, 2025, to shareholders of record on November 3, 2025. The following table presents selected financial performance highlights for the periods indicated: Additional key highlights for the third quarter of 2025 are as follows: Net interest income increased by $1.5 million or 9.6% during the quarter to $17.2 million when compared to the second quarter of 2025. Sales of $21.5 million and $6.1 million in mortgage and SBA loans, respectively, with a combined gain on sale of $1.0 million recognized during the quarter. Efficiency ratio decreased to 64.06% from 64.91% during the quarter. Loans, net of allowance for credit losses increased by $22.5 million during the quarter. Brandon Lorey, President and CEO, stated, "We are pleased to report another strong quarter for Eagle Financial Services, Inc., with net income rising to $5.6 million and continued growth in our core lending and wealth management businesses. Our team's disciplined approach to balance sheet management and focus on operational efficiency have resulted in a net interest margin of 3.58% and an improved efficiency ratio. I am also happy to announce the promotion of Nick Smith, our EVP of Corporate Strategy and Investor Relations, to EVP, Deputy CFO. This appointment strengthens our financial leadership and underscores our commitment to disciplined succession planning and our continued focus on long-term strategic objectives. We remain committed to supporting our customers and communities while delivering consistent value to our shareholders. I want to thank our employees for their dedication and our clients for their trust in Bank of Clarke." Income Statement Review Total net income for the quarters ended September 30, 2025 and June 30, 2025 was $5.6 million and $5.3 million, respectively. For the quarter ended September 30, 2025, net income increased $314 thousand or 6.0% from the quarter ended June 30, 2025 and increased $2.2 million or 63.1% from the quarter ended September 30, 2024. Net income was $3.4 million for the quarter ended September 30, 2024. The increase from th...

Revenue: US$19.9m (up 23% from 2Q 2024). Net income: US$5.27m (up 66% from 2Q 2024). Profit margin: 26% (up from 20% in 2Q 2024). The increase in margin was driven by higher revenue. EPS: US$0.98 (up from US$0.90 in 2Q 2024). We've found 21 US stocks that are forecast to pay a dividend yield of over 6% next year. See the full list for free. All figures shown in the chart above are for the trailing 12 month (TTM) period Revenue exceeded analyst estimates by 6.5%. Earnings per share (EPS) also surpassed analyst estimates by 20%. Looking ahead, revenue is forecast to grow 15% p.a. on average during the next 3 years, compared to a 7.7% growth forecast for the Banks industry in the US. Performance of the American Banks industry. The company's shares are up 5.8% from a week ago. You still need to take note of risks, for example - Eagle Financial Services has 1 warning sign we think you should be aware of. Have feedback on this article? Concerned about the content? Get in touch with us directly. Alternatively, email editorial-team (at) simplywallst.com. This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.

BERRYVILLE, Va., July 24, 2025 /PRNewswire/ -- Eagle Financial Services, Inc. (NASDAQ: EFSI) (the "Company"), the holding company for Bank of Clarke, whose divisions include Bank of Clarke Wealth Management, announced its second quarter 2025 results. On July 24, 2025, the Board of Directors announced a quarterly common stock cash dividend of $0.31 per common share, payable on August 15, 2025, to shareholders of record on August 4, 2025. The following table presents selected financial performance highlights for the periods indicated: Additional key highlights for the second quarter of 2025 are as follows: Net interest income increased by $2.4 million or 17.7% during the quarter to $15.7 million. FHLB borrowings decreased by $25.0 million during the quarter to $40.0 million. Sales of $17.1 million and $8.4 million in mortgage and SBA loans, respectively, with a gain on sale of $1.1 million recognized during the quarter. Efficiency ratio decreased from 72.20% to 64.91% during the quarter. Brandon Lorey, President and CEO, stated, "We are very pleased to report record net income of $5.3 million and earnings per share of $0.98, results that are in line with our expectations for the quarter. The full-quarter impact of post-capital raise execution, along with the strategic repositioning of the securities portfolio, contributed to a 44-basis point expansion in net interest margin and an annualized return on assets of 1.09%. Additionally, the continued transition from higher-cost borrowings to lower-cost deposits is strengthening our funding profile and positioning us for long-term balance sheet efficiency. I would like to extend my sincere appreciation to the entire EFSI and Bank of Clarke team for their steadfast commitment to our shareholders, communities, and customers." Income Statement Review Total net income (loss) for the quarters ended June 30, 2025 and March 31, 2025 was $5.3 million and ($7.0 million), respectively. Total net (loss) for the quarter ended March 31, 2025 included a loss on sale of securities of $12.4 million related to an executed balance sheet repositioning. Net income, as adjusted to excluded the one-time effect of this significant transaction, for the quarter ended March 31, 2025 was $2.8 million. This is a non-GAAP financial measure. Please refer to the "Reconciliation of GAAP to Non-GAAP Performance Highlights" table for additional info...

Over the last 7 days, the United States market has remained flat, yet it is up 14% over the past year with earnings forecast to grow by 15% annually. In such a landscape, identifying growth companies with high insider ownership can be a promising strategy as it often indicates strong confidence from those who know the business best. Click here to see the full list of 187 stocks from our Fast Growing US Companies With High Insider Ownership screener. Underneath we present a selection of stocks filtered out by our screen. Simply Wall St Growth Rating: ★★★★★☆ Overview: Pagaya Technologies Ltd. is a technology company that uses data science and AI-powered technology to serve financial services, other service providers, their customers, and asset investors in the U.S., Israel, and the Cayman Islands, with a market cap of $2.36 billion. Operations: The company generates revenue of $1.08 billion from its Software & Programming segment. Insider Ownership: 16.1% Earnings Growth Forecast: 112.2% p.a. Pagaya Technologies has shown significant growth potential with its recent addition to multiple Russell Growth benchmarks, indicating a shift towards growth-oriented strategies. Despite high volatility and substantial insider selling, the company is expected to become profitable in three years, with earnings growing at over 100% annually. Revenue is forecasted to outpace the US market at 15.3% per year. The launch of its POSH securitization program signals strategic expansion in point-of-sale financing solutions. Delve into the full analysis future growth report here for a deeper understanding of Pagaya Technologies. Upon reviewing our latest valuation report, Pagaya Technologies' share price might be too pessimistic. Simply Wall St Growth Rating: ★★★★★☆ Overview: Victory Capital Holdings, Inc. operates as an asset management company both in the United States and internationally, with a market cap of approximately $4.63 billion. Operations: The company's revenue primarily comes from providing investment management services and products, totaling $897.22 million. Insider Ownership: 10.1% Earnings Growth Forecast: 32.3% p.a. Victory Capital Holdings has recently been added to several S&P indices, highlighting its growth trajectory. The company forecasts annual earnings growth of 32.3%, outpacing the US market's 14.9%. Revenue is expected to grow at 20% annually, although it...