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EAGLE FINANCIAL SERVICES INC

EFSI

$41.85 ▼ -0.05 (-0.13%) at close

18 Visible periods

34 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Fair

Neutral

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Analytical Summary

EAGLE FINANCIAL SERVICES INC shows mixed fundamentals. Consider comparing against peers in the Financials sector before making investment decisions.

Market Cap $216.7M

Dividend Yield 2.96%

Revenue Growth -4.5% ↘

Op. Margin 14.3% ↘

ROIC None

FCF / Share None

Trailing P/E 26.3x

Price / Book 1.2x

FCF Yield —

Debt / Equity —

info Valuation on last close. End-of-day price, Aug 7, 2026.

18-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$69.50M

↓ -4.5% —

Net Income Profit after all expenses

$8.21M

↓ -46.5% —

Operating Margin Operating profit as % of sales

14.3%

↓ -45.0% 66th

Health Breakdown

Profitability ↓

Returns ↓

Dividend History

Dividend / share · sourced from SEC filings

$1.24 Latest / share

+2.5% YoY

+4.4% 12-yr CAGR

$0.77

FY 2014

$0.80

FY 2015

$0.82

FY 2016

$0.88

FY 2017

$0.94

FY 2018

$1.00

FY 2019

$1.04

FY 2020

$1.10

FY 2021

$1.15

FY 2022

$1.20

FY 2023

$1.21

FY 2024

$1.24

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue Growth YoY (%)	-4.5% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-175%)	11.9% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+99%)	4.0% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-34%)	19.6% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+226%)	18.4% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+206%)	13.4% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+124%)	7.4% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+23%)	6.8% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+13%)	8.3% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+38%)	-0.6% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-110%)	6.9% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+15%)	-1.2% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-121%)	2.1% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-66%)	2.1% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-65%)	2.2% Caution Caution Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-63%)	11.1% Good Good Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+85%)	—	—
EPS Growth YoY (%)	-63.2% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	62.4% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-36.2% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	30.3% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-2.1% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	15.1% Good ↓ Good Declining Year-over-year change in earnings per share Optimal: > 10%	9.2% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	16.1% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	23.8% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	-8.1% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-5.3% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-1.4% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	7.1% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	50.4% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	18.0% Good Good Year-over-year change in earnings per share Optimal: > 10%	1.8% Caution Caution Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	-46.5% Weak ↓ Weak Declining Year-over-year change in net income	64.0% Excellent ↑ Excellent Improving Year-over-year change in net income	-35.6% Weak ↓ Weak Declining Year-over-year change in net income	31.8% Excellent ↑ Excellent Improving Year-over-year change in net income	-1.4% Weak ↓ Weak Declining Year-over-year change in net income	14.5% Fair ↓ Fair Declining Year-over-year change in net income	8.4% Fair ↓ Fair Declining Year-over-year change in net income	15.6% Good ↑ Good Improving Year-over-year change in net income	22.2% Good ↑ Good Improving Year-over-year change in net income	-7.6% Weak ↓ Weak Declining Year-over-year change in net income	-3.4% Weak ↓ Weak Declining Year-over-year change in net income	-0.3% Weak ↓ Weak Declining Year-over-year change in net income	9.3% Fair ↓ Fair Declining Year-over-year change in net income	51.6% Excellent ↑ Excellent Improving Year-over-year change in net income	19.9% Good Good Year-over-year change in net income	4.8% Caution Caution Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	3.6% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	11.6% Good ↓ Good Declining Compound annual revenue growth over 3 years	13.7% Good ↑ Good Improving Compound annual revenue growth over 3 years	17.1% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	13.0% Good ↑ Good Improving Compound annual revenue growth over 3 years	9.2% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	7.5% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	4.7% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	4.8% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	1.6% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	2.5% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	1.0% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	2.1% Caution Caution Compound annual revenue growth over 3 years	5.0% Fair Fair Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	9.5% Good ↓ Good Declining Compound annual revenue growth over 5 years	13.3% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	12.4% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	13.0% Excellent ↑ Excellent Improving Compound annual revenue growth over 5 years	10.8% Good ↑ Good Improving Compound annual revenue growth over 5 years	7.0% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	5.7% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	3.9% Caution ↑ Caution Improving Compound annual revenue growth over 5 years	3.0% Caution ↑ Caution Improving Compound annual revenue growth over 5 years	1.8% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	2.4% Caution Caution Compound annual revenue growth over 5 years	3.2% Caution Caution Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	-27.5% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	10.5% Good ↑ Good Improving Compound annual EPS growth over 3 years	-6.7% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	13.7% Good ↑ Good Improving Compound annual EPS growth over 3 years	7.2% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	13.4% Good ↑ Good Improving Compound annual EPS growth over 3 years	16.2% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	9.7% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	2.5% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	-5.0% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	0.0% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	16.7% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	23.9% Excellent Excellent Compound annual EPS growth over 3 years	21.8% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Operating Margin (%) (%)	14.3% Fair ↓ Fair Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-43%)	26.0% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	16.3% Fair ↓ Fair Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-35%)	28.2% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+13%)	24.4% Good Good Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	30.1% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+20%)	—	—	—	—	—	—	—	—	—	—	—	—
Effective Tax Rate (%) (%)	17.2% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	18.8% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	12.0% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	17.8% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	13.8% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	16.1% Good Good Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—	—	—	—	—	—	—
Profit Margin (%) (%)	11.8% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-46%)	21.1% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	14.4% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-35%)	23.2% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+6%)	21.1% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	25.3% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+15%)	25.0% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+14%)	24.8% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+13%)	22.9% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	20.3% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-8%)	21.8% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	24.2% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+10%)	23.9% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+9%)	22.3% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	15.1% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-32%)	12.8% Fair Fair Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-42%)	13.6% Fair Fair Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-38%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	0.4% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.5% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	—	0.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.1% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.8% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	—
Return on Common Equity (%) (%)	4.3% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-64%)	12.9% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+7%)	8.6% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-28%)	14.3% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+19%)	10.0% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-17%)	10.6% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-11%)	10.1% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-16%)	10.3% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-14%)	9.3% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-23%)	8.0% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-33%)	8.8% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-27%)	9.8% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-19%)	10.8% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-10%)	10.3% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-14%)	7.4% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-38%)	6.7% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-44%)	6.7% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-44%)	—

⚖️ Is the balance sheet risky? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue per Share (USD)	$13.42	$20.48	$18.46	$17.96	$15.21	$12.94	$11.33	$10.46	$9.80	$8.92	$9.04	$8.59	$8.83	$8.79	$8.72	$8.66	—	—
Basic EPS, GAAP (USD)	$1.59	$4.32	$2.66	$4.17	$3.20	$3.27	$2.84	$2.60	$2.24	$1.81	$1.97	$2.08	$2.11	$1.97	$1.31	$1.11	$1.09	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$1.24	$1.21	$1.20	$1.15	$1.10	$1.04	$1.00	$0.94	$0.88	$0.82	$0.80	$0.77	$0.76	$0.73	$0.72	$0.69	$0.68	—
Book Value per Share (USD)	$35.14	$33.52	$30.78	$29.15	$31.93	$30.86	$28.08	$25.26	$24.17	$22.57	$22.38	$21.27	$19.61	$19.11	$17.64	$16.60	—	—
Tangible Book Value per Share (USD)	$35.14	$33.52	$30.78	$29.15	$31.93	$30.86	$28.08	$25.26	$24.17	$22.57	$22.38	$21.27	$19.61	$19.11	$17.64	$16.60	—	—
Basic Weighted Avg Shares (shares)	5.18M	3.55M	3.52M	3.48M	3.44M	3.42M	3.44M	3.47M	3.47M	3.52M	3.50M	3.44M	3.39M	3.33M	3.29M	3.24M	—	—
Dividend Payout Ratio (%)	78.0% Caution ↑ Caution Improving Dividends paid as a percentage of earnings Optimal: 30-60%	28.0% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	45.1% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	27.6% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	34.4% Good → Good Stable Dividends paid as a percentage of earnings Optimal: 30-60%	31.8% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	35.2% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	36.2% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	39.3% Good → Good Stable Dividends paid as a percentage of earnings Optimal: 30-60%	45.3% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	40.6% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	37.0% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	36.0% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	37.1% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	55.0% Fair ↓ Fair Declining Dividends paid as a percentage of earnings Optimal: 30-60%	62.2% Fair Fair Dividends paid as a percentage of earnings Optimal: 30-60%	62.4% Fair Fair Dividends paid as a percentage of earnings Optimal: 30-60%	—

🏦 How resilient is the balance sheet? 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity (USD)	$188.84M	$118.99M	$108.38M	$101.73M	$110.28M	$105.07M	$96.33M	$87.60M	$83.82M	$79.42M	$78.22M	$73.13M	$66.41M	$63.71M	$58.09M	$53.83M	$51.64M	$46.83M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Sales/Revenue/Turnover (USD)	$69.50M	$72.78M	$65.04M	$62.56M	$52.32M	$44.21M	$38.97M	$36.29M	$33.98M	$31.39M	$31.58M	$29.54M	$29.91M	$29.31M	$28.71M	$28.10M	$25.29M	—
Depreciation Expense (USD)	$780.00K	$979.00K	$1.00M	$979.00K	$996.00K	$1.03M	$957.00K	$925.00K	$946.00K	$932.00K	$843.00K	$772.00K	$803.00K	$821.00K	$843.00K	$779.00K	$778.00K	—
Net Income, GAAP (USD)	$8.21M	$15.34M	$9.36M	$14.52M	$11.02M	$11.17M	$9.76M	$9.00M	$7.79M	$6.37M	$6.90M	$7.14M	$7.16M	$6.55M	$4.32M	$3.60M	$3.44M	—
Operating Cash Flow (USD)	$25.75M	$18.76M	$6.88M	$13.81M	$16.46M	$11.01M	$11.35M	$-1.52M	$9.37M	$9.70M	$7.16M	$7.26M	$8.22M	$11.43M	$11.74M	$9.40M	$6.68M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Net Interest Margin (approx.) (%)	3.3%	2.7%	2.8%	3.0%	3.1%	3.2%	3.6%	3.7%	—	3.5%	3.5%	3.6%	3.8%	3.9%	4.0%	—	—	—
Efficiency Ratio (%) (%)	80.4%	70.5%	81.1%	68.8%	72.7%	66.6%	68.7%	69.4%	68.3%	72.2%	71.2%	67.6%	68.1%	63.3%	67.1%	61.0%	65.2%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 18 years · 67 quarters

EAGLE FINANCIAL SERVICES INC

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