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Companies / Financials / Eagle Financial Services, Inc.
EFSI

Eagle Financial Services, Inc.

FinancialsBanks & Brokers
Ticker EFSIBERRYVILLE, VAFiscal year ends DecemberBook value per share $35.83Diluted shares 5.4M

Eagle Financial Services, Inc. (Nasdaq: EFSI) is a bank holding company that conducts its banking operations through Bank of Clarke, a Virginia-chartered community bank serving the Shenandoah Valley and Northern Virginia, as well as Frederick, Maryland. The Bank provides retail and commercial banking services,… From the company’s description.

Over the twelve months to Jun 30, 2026, Eagle Financial Services, Inc. reported revenue of $90.49M, up 37.5% from a year earlier, and net income of $18.64M. Its pre-tax margin was 26.1%. In fiscal 2025, it reported revenue of $69.50M, down 4.5% from fiscal 2024, and net income of $8.21M.

Fiscal year 2025 · ends 12-31Changes are against fiscal 2024The amber dot is the latest twelve months, to 2026-06-30
Sales & profitability
$69.50MFY2025
−4.5% year over year
Last 12 mo $90.49M
14.28%FY2025
−11.7 percentage points
Last 12 mo 26.08%
$8.21MFY2025
−46.5% year over year
Last 12 mo $18.64M
4.35%FY2025
−8.5 percentage points
Last 12 mo 9.61%
Cash & financing
$25.75MFY2025
+37.3% year over year
Last 12 mo $9.16M
$24.35MFY2025
+37.2% year over year
Last 12 mo $8.06M
8.88FY2025
Was 14.49× a year earlier
Last 12 mo 8.41
5.2MFY2025
+45.7% year over year
Last 12 mo 5.4M

Margins and return on equity change in ; everything else in percent. Fewer shares and less debt are shown plainly, not as bad news — it depends what you make of buybacks. Dotted labels explain each measure. is shown separately from the annual figures.

What Eagle Financial Services, Inc. does

In the company’s own words

Eagle Financial Services, Inc. (Nasdaq: EFSI) is a bank holding company that conducts its banking operations through Bank of Clarke, a Virginia-chartered community bank serving the Shenandoah Valley and Northern Virginia, as well as Frederick, Maryland. The Bank provides retail and commercial banking services, including deposit accounts, consumer, mortgage and commercial loans, payment services, debit cards, and telephone, internet and mobile banking. Its Wealth Management Division offers fiduciary and trust services, investment management, estate settlement, brokerage and advisory services. The Bank also participates in title insurance and insurance brokerage businesses. It operates fifteen full-service branches, a loan production office, a wealth management office and a drive-through-only facility, with fourteen ATM locations. The company reports 254 full-time equivalent employees as of December 31, 2025. Bank of Clarke began operations in 1881; Eagle Financial Services was incorporated in 1991. Its website is www.bankofclarke.bank.

Company details
Sector
Financials
Industry (SIC)
Banks & Brokers
Headquarters
BERRYVILLE, VA
Fiscal year end
December
CIK
880641
SIC
6022

Financial performance, year by year

Fiscal 2011–2025 · USD
$-9.05M$18.10M$45.25M$72.39M$99.54M201120122013201420152016201720182019202020212022202320242025Last 12 moLast 12 monthsLast 12 months

The full income statement, balance sheet and cash flow for each of these years — every figure traceable to its filing — is on the Financials tab with a free account.

Ownership

Who owns Eagle Financial Services, Inc. — and what changed

Funds as of 2026Q2 · superinvestors as of 2026-06-30

95
funds hold it
0 of 35
superinvestors hold it
$25.01M
held by funds, at market
11.3%
of shares held by funds

Largest fund holders · Eagle Financial Services, Inc.’s weight in each

VANGUARD TOTAL STOCK MARKET INDEX FUND
VTI · VANGUARD INDEX FUNDS
0.00%of fund net assets
iShares Russell 2000 ETF
IWM · iShares Trust
0.01%of fund net assets
VANGUARD EXTENDED MARKET INDEX FUND
VXF · VANGUARD INDEX FUNDS
0.00%of fund net assets
iShares Russell 2000 Value ETF
IWN · iShares Trust
0.01%of fund net assets
Fidelity Small Cap Index Fund
FSSNX · Fidelity Salem Street Trust
—of fund net assets

Fund ownership is a floor, not a census — pensions, insurers and people holding shares directly are not visible here.

Fund ownership counts N-PORT filers only, so it is a floor rather than a census — pensions, insurers and direct holders are not visible here, and the remainder is not “held by individuals”.

Could not be determined for this company: bond issues.

Every fund and institutional holder, quarter by quarter, is on the Ownership tab with a free account.

Connected research

Put this business in context.

Compare this company with peers, find it in your funds and follow its financial history with your connected AI:

  • “How do Eagle Financial Services, Inc. and its peers compare on margins and cash generation over ten years?”
  • “Where did five years of Eagle Financial Services, Inc.'s earnings go — cash, debt, buybacks, reinvestment?”
  • “What changed in Eagle Financial Services, Inc.'s last four quarterly filings that the numbers alone won't show?”
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