Filing Flows › Eagle Financial Services (EFSI) › Q3 2026
Eagle Financial Services (EFSI) Q3 2026 earnings results (third quarter 2026)
10-Q filed Nov 9, 2026
Eagle Financial Services (EFSI) reported revenue of $22.9M for the third quarter 2026 (Q3 2026), +3% from a year earlier and -10% from the quarter before. Operating margin was 25.1%, net earnings $4.8M (20.7% of revenue).
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 follows the revenue to costs, profit and cash.
| Q3 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $22.9M | -10% | +3% |
| Operating profit | $5.7M | -12% | -17% |
| Net earnings | $4.8M | -5% | -15% |
| Operating cash flow | $25.6M | — | +212% |
| Free cash flow | $25.4M | — | +225% |
What changed
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.
Questions
What was Eagle Financial Services' revenue in the third quarter 2026?
Eagle Financial Services (EFSI) reported revenue of $22.9M for the third quarter 2026 (Q3 2026), +3% from a year earlier and -10% from the quarter before.
Was Eagle Financial Services profitable in the third quarter 2026?
Operating profit was $5.7M (25.1% of revenue) and net earnings $4.8M.