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EFSI Financials EAGLE FINANCIAL SERVICES INC

15 years of revenue, profit, cash flow and balance-sheet history through FY2025, from SEC filings — with a computed, factual read of the trend. Updated Overview →

Growth & profitability

  • Free cash flow has grown 18.2% per year over the past 5 years.

Financial health

  • The company holds more cash ($217M) than total debt ($70M).

Shareholder returns

  • Dividends have been paid for 15 consecutive years, consuming 74.4% of earnings and 25.1% of free cash flow.
  • The dividend has grown 13.8% per year over the past 5 years.
Revenue & net income
$0 $8M $15M 2011 2013 2015 2017 2019 2021 2023 2025
RevenueNet income
Margins (gross / operating / net)
0% 242017% 484033% 2011 2013 2015 2017 2019 2021 2023 2025
GrossOperatingNet
Return on equity & assets (ROE / ROA)
0% 7% 14% 2011 2013 2015 2017 2019 2021 2023 2025
ROEROA
Free cash flow (CFO − capex)
-$2M $11M $24M $0 2011 2013 2015 2017 2019 2021 2023 2025
Free cash flow
Cash vs total debt
$0 $109M $217M 2011 2013 2015 2017 2019 2021 2023 2025
CashTotal debt
Cash flow: operating / investing / financing
-$331M -$5M $320M $0 2011 2013 2015 2017 2019 2021 2023 2025
OperatingInvestingFinancing

Key annual figures

FYRevenueNet incomeGross MOp MROEROAFCFTotal debtCash
2025 — $8M — — 4.3% 0.4% $24M $70M $217M
2024 — $15M — — 12.9% 0.8% $18M — $193M
2023 $0 $9M — — 8.6% 0.5% $6M — $138M
2022 $3000 $15M 0.0% 0.0% 14.3% 0.9% $13M — $67M
2021 $236000 $11M 0.0% 0.0% 10.0% 0.8% $16M — $64M
2020 — $11M — — 10.6% 1.0% $11M — $80M
2019 — $10M — — 10.1% 1.1% $10M — $34M
2018 — $9M — — 10.3% 1.1% -$2M — $18M
2017 — $8M — — 9.3% 1.0% $9M — —
2016 — $6M — — 8.0% 0.9% $9M — —
2015 — $7M — — 8.8% 1.1% $4M — —
2014 — $7M — — 9.8% 1.1% $4M — —
2013 — $7M — — 10.8% 1.2% $7M — —
2012 — $7M — — 10.3% 1.1% $9M — —
2011 — $4M — — 7.4% 0.8% $11M — —

Valuation over time

How the market has priced EFSI against its own fundamentals since 2025-02 — each month-end's share price set against the most recent annual filing, so the multiple moves as price runs ahead of (or behind) earnings. Split-adjusted.

Price / earnings (P/E)
0.0 15.3 30.6 Feb '25 May '25 Aug '25 Nov '25 Feb '26 May '26 Aug '26 Nov '26
P/E
Dividend yield (%)
0.0 1.6 3.2 Feb '25 May '25 Aug '25 Nov '25 Feb '26 May '26 Aug '26 Nov '26
Dividend yield %

Frequently asked questions

Is EFSI growing its revenue and profit?

See the revenue and net-income charts above for EAGLE FINANCIAL SERVICES INC's multi-year trend.

How much debt does EFSI have?

As of FY2025, EAGLE FINANCIAL SERVICES INC reported $70M of total debt against $217M of cash.

What is EFSI's profit margin?

In FY2025, gross margin was —, operating margin —, and net margin —.

What is EFSI's P/E ratio?

EAGLE FINANCIAL SERVICES INC's P/E (TTM) is 13.50 as of the 2026-11-04 close — market cap ÷ net income over the trailing twelve months where four consecutive quarters are reported, otherwise the latest fiscal year, the same figure as on the EFSI stock page. The valuation chart above sets each month-end's price against the latest annual net income instead, so its latest point (about 30.6× as of Nov '26) can differ. These are computed facts, not advice.

Where does this data come from?

All figures are extracted from the company’s SEC EDGAR/XBRL filings — 10-K annual reports and 10-Q quarterly reports (use the Annual / Quarterly toggle). Quarterly figures are derived from the as-filed statements (year-to-date amounts are differenced into discrete quarters). Growth rates and ratios are computed by tradmap; nothing here is investment advice.

Source: SEC EDGAR / XBRL (10-K + 10-Q filings) · prices EOD (Databento), split-adjusted; price return — dividends not reinvested · growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price against the latest annual filing. Informational only — not investment advice.