---
schema_version: "secwatch.filing_event.v1"
accession: "0000950170-25-008930"
form_type: "8-K"
ticker: "EFSI"
cik: "0000880641"
company_name: "EAGLE FINANCIAL SERVICES INC"
filed_at: "2025-01-27T23:59:59+00:00"
generated_at: "2026-05-27T09:53:25.161523+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# Eagle Financial Services Q4 net income $6.2M ($1.74 EPS); declares $0.31 dividend

## Summary
- Net income $6.2M vs $3.4M Q3 2024; diluted EPS $1.74, up from $0.86 in Q3.
- Net interest margin stable at 3.03%; deposits grew $29.2M (1.9%) during Q4.
- Quarterly cash dividend of $0.31 per share, payable Feb 14, 2025 to holders of record Feb 3.
- Adjusted net income (excluding $3.9M sale-leaseback gain) $3.1M, up 30.5% YoY.
- Nonperforming assets low at 0.16% of total assets; net charge-offs $486K in Q4.

## SEC filing metadata
- accession: 0000950170-25-008930
- form_type: 8-K
- ticker: EFSI
- cik: 0000880641
- company_name: EAGLE FINANCIAL SERVICES INC
- filed_at: 2025-01-27T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/880641/000095017025008930/0000950170-25-008930-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/880641/000095017025008930/efsi-20250124.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000950170-25-008930
- JSON: https://secwatch.observer/filing/0000950170-25-008930.json
- Plain text: https://secwatch.observer/filing/0000950170-25-008930.txt

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