EFSI Earnings Date: Jan 25, 2027 (Estimated) — Eagle Financial Services, Inc.
NASDAQ · Financials · Banks - Regional
Updated
When is EFSI's next earnings date?
Eagle Financial Services, Inc. (EFSI) is expected to report Q4 2026 earnings on Monday, January 25, 2027 at 4:00 PM ET (after market close); the date is an estimate and has not been confirmed by the company. The consensus estimate is EPS of $0.85 on revenue of $20.5M.
How did EFSI do in its last earnings report?
In its most recent report on Oct 22, 2026 (Q3 2026), Eagle Financial Services, Inc. posted EPS of $0.93 versus the $0.88 estimate, a beat of 5.9%. Revenue was $22.9M against a $22.1M estimate. The stock's 1-day post-earnings move was +0.9%.
How much does EFSI stock move after earnings?
EFSI beat EPS estimates in 2 of its last 5 reported quarters. Over the last 6 reports the stock moved an average of 2.3% (up or down) in the day after earnings.
About Eagle Financial Services, Inc.
Eagle Financial Services, Inc. functions as the parent company for Bank of Clarke County, delivering a comprehensive array of retail and commercial banking solutions across the Shenandoah Valley and Northern Virginia regions. Their core offerings include various deposit accounts, such as checking, NOW, money market, and standard savings accounts, alongside both demand and time deposits. The institution maintains a diverse loan portfolio, encompassing financing for single-to-four-family residential properties, commercial real estate ventures, construction and land development projects, and commercial and industrial enterprises. Additionally, they provide a range of consumer lending options, both secured and unsecured, including personal installment loans, lines of credit, auto loans, and credit card services. Beyond traditional banking, Eagle Financial Services offers personal and retirement planning assistance. Their investment services are extensive, featuring tax-deferred annuities, IRAs and rollovers, mutual funds, retirement and college savings plans, various insurance products (life, long-term care), fixed-income investments, brokerage CDs, and both full-service and discount brokerage options. They also facilitate non-deposit investment products and provide title insurance. To ensure convenient access, the company supports ATM and debit card services, alongside modern telephone, internet, and mobile banking platforms. For commercial clients, specialized services like ACH origination and remote deposit capture are available. The company's physical presence includes twelve full-service branches, two loan production offices, a dedicated wealth management office, and a drive-through only facility. Complementing these are 13 ATM locations, strategically placed throughout the Virginia communities of Berryville, Winchester, Boyce, Stephens City, Purcellville, Warrenton, Leesburg, Ashburn, and Fairfax. Established in 1881, Eagle Financial Services, Inc. is headquartered in Berryville, Virginia.
🤖 AI Earnings Analysis
Eagle Financial’s regional-banking results were mixed: Q3 EPS of $0.93 beat estimates by $0.05, but fell from $1.04 a year earlier. Missing revenue data and sharply negative reported growth temper the modest beat.
AI-generated summary — powered by BigEarnings.
Earnings History
| Date | Period | EPS Est. | EPS Act. | Surprise | Revenue | Result | 1D Δ | 1W Δ | 1M Δ |
|---|---|---|---|---|---|---|---|---|---|
| 2026-10-22 | Q3 2026 | 0.88 | 0.93 | +5.92% | $22.9M | ✅ Beat | +0.90% | -0.97% | — |
| 2026-07-23 | Q2 2026 | 0.78 | 0.41 | -47.44% | $25.6M | ❌ Miss | -2.33% | -1.02% | +2.87% |
| 2026-04-23 | Q1 2026 | 0.87 | 0.69 | -20.69% | $20.8M | ❌ Miss | -3.13% | -4.09% | +0.39% |
| 2026-01-26 | Q4 2025 | 0.80 | 0.81 | +1.25% | $21.7M | ✅ Beat | -0.62% | -3.41% | -6.03% |
| 2025-10-23 | Q3 2025 | 1.13 | 1.04 | -7.96% | $22.4M | ❌ Miss | +0.92% | -1.20% | -1.95% |
| 2025-04-25 | Q1 2025 | — | 0.62 | — | $4.8M | — | -5.95% | -5.63% | +0.36% |
| 2022-10-27 | — | 1.17 | — | $17.1M | — | — | — | — | |
| 2022-07-28 | — | 1.14 | — | $16.2M | — | — | — | — |
Showing last 8 quarters.
Revenue by segment & region
By segment
Q2 FY26 · $1.8M total
| Segment | Share | Revenue | YoY | Q4 FY25 | Q1 FY26 | Q2 FY26 |
|---|---|---|---|---|---|---|
| Interchange Fees | 49.3% | $904K | -1.7% | $2.6M | $815K | $904K |
| Overdrawn Account Fees | 22.9% | $419K | +7.4% | $1.2M | $422K | $419K |
| Brokerage Commissions | 13.2% | $242K | -26.7% | $1.1M | $225K | $242K |
| Monthlyand Other Service Fees | 7.9% | $144K | +13.4% | $390K | $134K | $144K |
| A T M Fees | 5.8% | $106K | +5.0% | $296K | $92K | $106K |
| Other Chargesand Fees | 1.0% | $18K | -53.8% | $219K | $14K | $18K |
Source: company filings via FMP. YoY compares the same fiscal period a year earlier.