Filing Flows › Eagle Financial Services (EFSI) › Q3 2026 › vs Q3 2025
Eagle Financial Services (EFSI) Q3 2026 vs Q3 2025 (year over year)
Eagle Financial Services's revenue rose $561K (+3%) from $22.4M in Q3 2025 to $22.9M in Q3 2026. The biggest changes: Net interest income +$430K (+3%); Noninterest income +$131K (+3%). Operating margin 25.1% against 30.9% (-5.8 pts).
Eagle Financial Services, Q3 2026: revenue $22.9M (+2% year over year), operating margin 25.1%, net earnings $4.8M, operating cash flow $25.6M. The chart draws each line against Q3 2025, the increases inside each band.
Margins
| Q3 2026 | Q3 2025 | Change | |
|---|---|---|---|
| Operating margin | 25.1% | 30.9% | -5.8 pts |
| Net margin | 20.7% | 25.0% | -4.2 pts |
| Free cash flow margin | 110.9% | 35.0% | +75.9 pts |
Every line
| Line | Q3 2026 | Q3 2025 | Change | % |
|---|---|---|---|---|
| Net interest income | $17.6M | $17.2M | $430K | +3% |
| Noninterest income | $5.3M | $5.2M | $131K | +3% |
| Revenue | $22.9M | $22.4M | $561K | +3% |
| Operating profit | $5.7M | $6.9M | −$1.2M | -17% |
| Costs & expenses | $17.2M | $15.5M | $1.7M | +11% |
| Pre-tax earnings | $5.7M | $6.9M | −$1.2M | -17% |
| Net earnings | $4.8M | $5.6M | −$834K | -15% |
| Income tax | $998K | $1.3M | −$326K | -25% |
| Depreciation | $219K | $193K | $26K | +13% |
| Share-based compensation | $411K | $304K | $107K | +35% |
| Working capital & other | $20.2M | $2.1M | $18.1M | +851% |
| Operating cash flow | $25.6M | $8.2M | $17.4M | +212% |
| Free cash flow (OCF − capex) | $25.4M | $7.8M | $17.6M | +225% |
| Capital expenditures | $197K | $380K | −$183K | -48% |
Questions
How much did Eagle Financial Services's revenue grow year over year in Q3 2026?
Eagle Financial Services's revenue rose $561K (+3%) from $22.4M in Q3 2025 to $22.9M in Q3 2026.
What drove Eagle Financial Services's revenue change in Q3 2026?
Net interest income +$430K (+3%); Noninterest income +$131K (+3%).