---
schema_version: "secwatch.filing_event.v1"
accession: "0000950170-24-008151"
form_type: "8-K"
ticker: "EFSI"
cik: "0000880641"
company_name: "EAGLE FINANCIAL SERVICES INC"
filed_at: "2024-01-29T23:59:59+00:00"
generated_at: "2026-06-06T16:16:05.115837+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# Eagle Financial Q4 net income $2.4M (-25% YoY); NIM 2.85%; declares $0.30 dividend

## Summary
- Net income $2.4M for Q4 2023, down 25.1% from $3.2M in Q4 2022; up 3.3% from Q3 2023.
- Net interest margin fell to 2.85% from 3.68% a year ago; total deposits $1.51B, up from $1.26B YoY.
- Quarterly dividend of $0.30 per share declared, payable Feb 16 to holders of record Feb 5.
- Nonperforming assets $6.1M (0.34% of assets), up from $2.4M at Dec 2022; provision $366K.
- Noninterest expenses down 6% QoQ to $13.3M due to sale of marine finance business.

## SEC filing metadata
- accession: 0000950170-24-008151
- form_type: 8-K
- ticker: EFSI
- cik: 0000880641
- company_name: EAGLE FINANCIAL SERVICES INC
- filed_at: 2024-01-29T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/880641/000095017024008151/0000950170-24-008151-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/880641/000095017024008151/efsi-20240126.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000950170-24-008151
- JSON: https://secwatch.observer/filing/0000950170-24-008151.json
- Plain text: https://secwatch.observer/filing/0000950170-24-008151.txt

## Key facts
- Earnings Releases
  EAGLE FINANCIAL SERVICES INC reported quarter ended December 31, 2023 results: net income $2.4 million.
  - Period: quarter ended December 31, 2023
  - Net income: $2.4 million
  - Result: reported results
  source text: On January 26, 2024, the Registrant issued a press release announcing the results for the quarter ended December 31, 2023.
  evidence_url: https://www.sec.gov/Archives/edgar/data/880641/000095017024008151/0000950170-24-008151-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.