Eagle Financial Services, Inc. (EFSI)

Eagle Financial Services Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Mar 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	81.79	81.78	75.52	50.68	39.87	35.27
Interest Income on Investments	11.13	9.54	7.57	4	2.81	3.64
Total Interest Income	92.92	91.32	83.09	54.69	42.68	38.91
Interest Paid on Deposits	32.93	31.85	23.63	2.94	1.68	3.26
Interest Paid on Borrowings	7.84	8.24	9.21	2.53	-	0.03
Total Interest Expense	40.77	40.09	32.84	5.47	1.68	3.28
Net Interest Income	52.15	51.23	50.26	49.21	41	35.63
Net Interest Income Growth (YoY)	4.15%	1.93%	2.12%	20.04%	15.08%	14.13%
Trust Income	5.85	5.62	4.93	4.15	3.05	1.4
Gain (Loss) on Sale of Assets	3.85	3.86	0.45	-0.01	-	0.01
Gain (Loss) on Sale of Investments	-12.72	-0.3	-0.27	-1.02	-0.21	0.46
Gain (Loss) on Sale of Equity Investments	1.25	1.36	0.39	-	-	-
Other Non-Interest Income	6.62	6.64	5.78	6.45	5.35	5.57
Total Non-Interest Income	9.23	21.26	14.52	13.07	11.09	8.35
Non-Interest Income Growth (YoY)	-36.16%	46.48%	11.08%	17.82%	32.83%	10.89%
Revenues Before Loan Losses	61.38	72.49	64.77	62.28	52.09	43.98
Provision for Loan Losses	3.31	2.55	1.65	1.83	1.48	1.46
Revenue	58.07	69.94	63.12	60.45	50.61	42.52
Revenue Growth (YoY)	-7.93%	10.80%	4.42%	19.45%	19.02%	11.55%
Salaries and Employee Benefits	29.14	29.15	29.09	24.71	21	17.47
Federal Deposit Insurance	1.35	1.43	1.59	0.61	0.61	0.22
Selling, General & Administrative	11.58	11.38	11.9	9.93	10.47	7.49
Other Non-Interest Expense	8.85	8.87	9.92	7.49	5.5	4.16
Total Non-Interest Expense	51.25	51.04	52.49	42.78	37.82	29.21
EBT Excluding Unusual Items	6.82	18.9	10.63	17.67	12.79	13.31
Pretax Income	6.82	18.9	10.63	17.67	12.79	13.31
Income Tax Expense	1	3.56	1.28	3.15	1.77	2.14
Net Income	5.82	15.34	9.36	14.52	11.02	11.17
Net Income to Common	5.82	15.34	9.36	14.52	11.02	11.17
Net Income Growth	-37.54%	63.97%	-35.56%	31.76%	-1.35%	14.48%
Basic Shares Outstanding	4	4	4	3	3	3
Diluted Shares Outstanding	4	4	4	3	3	3
Shares Change (YoY)	7.80%	0.86%	1.18%	1.23%	0.66%	-0.61%
EPS (Basic)	1.53	4.32	2.66	4.17	3.20	3.27
EPS (Diluted)	1.52	4.32	2.66	4.17	3.20	3.27
EPS Growth	-42.31%	62.57%	-36.31%	30.31%	-2.11%	15.18%
Dividend Per Share	1.220	1.210	1.200	1.150	1.100	1.040
Dividend Growth	1.67%	0.83%	4.35%	4.54%	5.77%	4.00%
Effective Tax Rate	14.62%	18.82%	12.00%	17.83%	13.81%	16.05%

Updated Mar 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.