EFSI · CIK 0000880641 · operating
Eagle Financial Services, Inc. operates as the bank holding company for Bank of Clarke, providing retail and commercial banking products throughout the United States. The company offers deposit accounts including checking, savings, money market, and time deposits alongside ACH origination and remote deposit capture services. Its loan portfolio encompasses one-to-four-family residential real estate, commercial real estate, construction and land development, commercial and industrial loans, marine lending, and consumer lending products such as personal installment loans, automobile loans, and credit cards.
The company operates through three primary segments: Community Banking, Marine Lending, and Wealth Management. The Community Banking segment handles traditional deposit and lending operations through full-service branches, loan production offices, and drive-through facilities. The Marine Lending segment specializes in boat and marine equipment financing. The Wealth Management segment provides fiduciary services, advisory services, and investment products including individual retirement accounts, mutual funds, annuities, college savings plans, insurance products, and brokerage services.
Based in Berryville, Virginia, Eagle Financial Services employs 254 full-time staff members and maintains a market capitalization of approximately $0.2 billion. The company was incorporated in Virginia and founded in 1881, operating as a regional bank holding company with Nasdaq listing. Its service delivery channels include multiple branch locations, loan production offices, wealth management centers, and digital banking platforms offering online bill payment, telephone, internet, and mobile banking services.
Fiscal years are as reported by the company and may not align with the calendar year. For example, Apple's FY 2024 ends in September 2024.
| Fiscal Year | EPS Diluted | EPS Basic | YoY | |
|---|---|---|---|---|
| 2024 | $1.74 | $1.74 | +152.2% | |
| 2023 | $0.69 | $0.69 | -25.0% | |
| 2022 | $0.92 | $0.92 | +39.4% | |
| 2021 | $0.66 | $0.66 | -10.8% | |
| 2020 | $0.74 | $0.74 | -10.8% | |
| 2019 | $0.83 | $0.83 | +38.3% | |
| 2018 | $0.60 | $0.60 | +22.4% | |
| 2017 | $0.49 | $0.49 | -5.8% | |
| 2016 | $0.52 | $0.52 | +36.8% | |
| 2015 | $0.38 | $0.38 | -45.7% | |
| 2014 | $0.70 | $0.71 | +29.6% | |
| 2013 | $0.54 | $0.54 | +14.9% | |
| 2012 | $0.47 | $0.47 | -64.1% | |
| 2011 | $1.31 | $1.31 | — |
| Report Date | Filed | Accession Number | |
|---|---|---|---|
| 2024-12-31 | 2025-03-31 | 0000950170-25-047778 | SEC ↗ |
| 2023-12-31 | 2024-03-29 | 0000950170-24-038718 | SEC ↗ |
| 2022-12-31 | 2023-03-29 | 0000950170-23-010622 | SEC ↗ |
| 2021-12-31 | 2022-03-30 | 0001564590-22-012618 | SEC ↗ |
| 2020-12-31 | 2021-03-30 | 0001564590-21-016594 | SEC ↗ |
| 2019-12-31 | 2020-03-13 | 0000880641-20-000022 | SEC ↗ |
| 2018-12-31 | 2019-03-15 | 0000880641-19-000027 | SEC ↗ |
| 2017-12-31 | 2018-03-15 | 0000880641-18-000042 | SEC ↗ |
| 2016-12-31 | 2017-03-29 | 0000880641-17-000020 | SEC ↗ |
| 2015-12-31 | 2016-03-29 | 0000880641-16-000114 | SEC ↗ |
| 2014-12-31 | 2015-03-30 | 0000880641-15-000024 | SEC ↗ |
| 2013-12-31 | 2014-03-26 | 0000880641-14-000002 | SEC ↗ |
| 2012-12-31 | 2013-03-28 | 0001193125-13-131257 | SEC ↗ |
| 2011-12-31 | 2012-03-23 | 0001193125-12-128570 | SEC ↗ |