Eagle Financial Services Inc. Reports Q4 2025 Earnings; Shares Fluctuate

Eagle Financial Services Inc. (NASDAQ: EFSI) today reported its financial results for the fourth quarter ended December 31, 2025. Company’s stock closed at 39.80 on January 26, 2026. As of 10:00 AM ET, it is trading at 39.00, reflecting a 2.01% intraday decrease. Over the past 52 weeks, EFSI shares have traded between a low of 30.62 and a high of 39.80.

Quarterly Performance Overview

Eagle Financial Services reported consolidated net income of 4.334 million for Q4 2025, a 22.4% decrease from 5.584 million in Q3 2025 and a 29.9% decrease from 6.186 million in Q4 2024. Diluted earnings per share for Q4 2025 were 0.81, down from 1.04 in the prior quarter and 1.74 in the same period last year. Consolidated noninterest income was 5.355 million for Q4 2025 compared to 5.165 million in Q3 2025 and 8.521 million in Q4 2024.

Net interest margin increased to 3.61% in Q4 2025, up from 3.58% in Q3 2025 and 3.03% in Q4 2024. Return on average assets was 0.91% and return on average equity was 9.18% for the quarter. Wealth management fee income rose 25.8% to 2.3 million compared to the prior quarter.

Full Year and Year-over-Year Context

For the full year 2025, net income was 8.214 million, a decrease from 15.343 million in 2024. This decline is largely attributed to a 12.4 million pre-tax realized loss on the sale of available-for-sale debt securities in Q1 2025 as part of a balance sheet repositioning. Excluding the tax-effected impact of a 3.9 million gain from a 2024 sale-leaseback transaction, adjusted net income for Q4 2024 was 3.1 million, making the Q4 2025 net income an increase over the adjusted Q4 2024.

Nonperforming assets increased to 0.77% of total assets at December 31, 2025 from 0.74% at September 30, 2025 and 0.16% at December 31, 2024. The allowance for credit losses to total loans was 1.04% at year-end 2025.

Analyst Activity

No analyst upgrades, downgrades or price-target changes were reported today.

Dividend Announcement

The Board of Directors announced a quarterly common stock cash dividend of 0.31 per common share, payable on February 13, 2026, to shareholders of record on February 2, 2026.