EAGLE FINANCIAL SERVICES INC announced its 2025 fourth quarter financial results on January 26, 2026, providing updated financial performance information.

• The company announced its 2025 fourth quarter financial results on January 26, 2026, highlighting recent operational and financial performance [N1].

The company’s diversified loan portfolio across multiple segments and its detailed credit quality monitoring suggest a robust risk management framework. The steady net income and EPS reported in recent filings indicate operational profitability. The sizable deposit base and interest income from loans provide a foundation for ongoing financial performance. Continued transparency in financial reporting and credit risk disclosures support investor confidence.

Risks include potential credit losses in various loan segments, especially if economic conditions deteriorate affecting commercial real estate or consumer loan performance. The absence of short-term investments and limited liquidity ratio disclosures may pose challenges in stress scenarios. Concentration in certain loan classes or geographic areas could increase vulnerability. Regulatory changes or increased competition in the regional banking sector may also impact future operations.

EAGLE FINANCIAL SERVICES INC’s moat is derived from its regional banking focus, diversified loan portfolio, and detailed credit risk management practices. The company’s ability to maintain credit quality through internal assessments and provisions for credit losses supports its financial stability. Its deposit base and interest income from loans provide a steady revenue stream typical of regional banks, contributing to its competitive positioning in its market niche.

• Credit Risk: The company’s loan portfolio includes various risk categories such as 'Special Mention' and 'Classified' loans, which may lead to credit losses if borrower performance declines.
• Liquidity Risk: Limited disclosure on current assets and liabilities restricts full assessment of liquidity ratios, which could affect the company’s ability to meet short-term obligations.
• Market and Regulatory Risk: As a regional bank, the company faces risks from changes in interest rates, regulatory requirements, and competitive pressures that could impact profitability and growth.

• EAGLE FINANCIAL SERVICES INC operates in the Financial Services sector, specifically in the Regional Banks industry.
• The company is publicly traded under the ticker EFSI with common stock par value $2.50.
• The latest available SEC filings include a 10-K filed on 2025-03-31 and a 10-Q filed on 2025-11-13.
• As of the quarter ended September 30, 2025, the company reported net income of $5,584,000 and basic and diluted EPS of $1.04 per share.
• Cash and cash equivalents were $33,659,000 as of December 31, 2019, with no short-term investments disclosed in the snapshot.
• The company’s loan portfolio includes various classes such as commercial real estate (owner and non-owner occupied), construction and farmland residential loans, consumer loans, marine loans, and HELOCs.
• Credit quality is detailed with internal credit assessments including 'Pass', 'Special Mention', and 'Classified' categories for different loan classes.
• Allowance for credit losses and provisions for credit losses are disclosed, with specific amounts noted in filings.
• Deposits at fair value were $1,575,743,000 as of the latest filing period.
• Interest and fee income from loans and leases was $81,779,000, with $75,520,000 from loans and leases as of the latest period.
• The company announced its 2025 fourth quarter financial results publicly on January 26, 2026.
• Financial figures are summarized from the latest available SEC filings and are provided for informational purposes only — not financial advice.