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Eagle Financial Services (EFSI) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 9, 2026 · Eagle Financial Services (EFSI) Q3 2026 earnings results →
Q3 2026 Revenue up 2% year over year to $22.9M · 21¢ of every $1 of revenue kept as net profit · operating margin 25.1%
Eagle Financial Services made $22.9M in Q3 2026 (+2% Y/Y): Net interest income $17.6M, Noninterest income $5.3M. Operating margin 25.1%, net earnings $4.8M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 9, 2026.
Drawing the Sankey…
Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was $22.9M in Q3 2026, up 3% year over year and down 10% from the previous quarter. Net interest income was the largest line at 77% of revenue. Net interest income added $430K year over year (up 3%), 77% of the total change.
Operating profit was $5.7M, a 25.1% margin (down 5.8 points year over year). Operating profit fell $1.2M even though revenue rose $561K versus a year earlier, so costs grew faster than sales. Total costs grew 11% against revenue growth of 3%. Net earnings were $4.8M, down 15% year over year. The effective tax rate was 17.4%.
Operating cash flow was $25.6M (up 212% year over year), 540% of net earnings. Non-cash charges added back $219K of depreciation and $411K of share-based compensation. Working capital and other items added $20.2M. Capital expenditures of $197K left free cash flow of $25.4M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 9, 2026 | $22.9M | +2% | 25.1% | $4.8M | $25.6M |
Charts
Interactive views
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💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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🔍Earnings qualityinteractive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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🏭Its industry’s money flow (input-output)interactive
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About Eagle Financial Services
Eagle Financial Services, Inc. is a bank holding company that was incorporated in 1991. The company is headquartered in Berryville, Virginia and conducts its operations through its subsidiary, Bank of Clarke (the “Bank”). The Bank is chartered under Virginia law. For purposes of this annual report on Form 10-K, the terms the "Company," "our," "us" and "we" refer to Eagle Financial Services, Inc. and our subsidiary as a combined entity, unless this report otherwise indicates or the context otherwise requires. The Bank has fifteen full-service branches, one loan production office, one wealth management office and one drive-through only facility. The Bank’s main office is located at 2 East Main Street in Berryville, Virginia. The Bank opened for business on April 1, 1881. The Bank's market area is located in the Shenandoah Valley of Virginia, Northern Virginia and Frederick, Maryland.
In its own words, from its 10-K, filed Mar 16, 2026.
Eagle Financial Services against its State Commercial Banks peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +2% against the peers' median +8%. Operating margin: 25.1% against the peers' median 33.8%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| EFSI Eagle Financial Services | Q3 2026 | $22.9M | +2% | 25.1% |
| DB Deutsche Bank Aktiengesellschaft | Q3 2026 | $6.1B | -31% | -7.6% |
| BNY Bank of New York Mellon | Q3 2026 | $5.7B | +12% | 38.5% |
| STT State Street | Q3 2026 | $4.0B | +13% | 34.7% |
| FITB Fifth Third Bancorp | Q3 2026 | $3.3B | +42% | 33.8% |
| MTB M&T Bank | Q3 2026 | $2.5B | +0.9% | 39.7% |
| FCNCA First Citizens Bancshares | Q3 2026 | $2.4B | 0% | 33.1% |
| ALLY Ally Financial | Q3 2026 | $2.3B | +8% | 24.3% |
| CFG Citizens Financial Group | Q3 2026 | $2.3B | +10% | 34.6% |
Source: Eagle Financial Services 10-Q on SEC EDGAR · CIK 880641 · State Commercial Banks
Guidance and outlook
13F: who owns EFSI and who is buying
More on EFSI
History
Every quarter: Q3 2026 results