---
schema_version: "secwatch.filing_event.v1"
accession: "0001193125-25-248860"
form_type: "8-K"
ticker: "EFSI"
cik: "0000880641"
company_name: "EAGLE FINANCIAL SERVICES INC"
filed_at: "2025-10-23T23:59:59+00:00"
generated_at: "2026-05-17T02:38:59.132741+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Eagle Financial Q3 net income $5.6M ($1.04 EPS), NIM expands to 3.58%

## Summary
- Net income $5.584M, up 63% YoY; diluted EPS $1.04 vs $0.97 year ago.
- Net interest margin 3.58% vs 3.03% a year ago; net interest income $17.2M (+30.7% YoY).
- Nonperforming assets fell to $14.3M (0.74% of assets) from $17.5M; net charge-offs $2.3M in Q3.
- Quarterly dividend $0.31/share declared, payable Nov 14, record Nov 3.
- Promotion of Nick Smith to EVP, Deputy CFO, strengthening financial leadership.

## SEC filing metadata
- accession: 0001193125-25-248860
- form_type: 8-K
- ticker: EFSI
- cik: 0000880641
- company_name: EAGLE FINANCIAL SERVICES INC
- filed_at: 2025-10-23T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/880641/000119312525248860/0001193125-25-248860-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/880641/000119312525248860/efsi-20251023.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-25-248860
- JSON: https://secwatch.observer/filing/0001193125-25-248860.json
- Plain text: https://secwatch.observer/filing/0001193125-25-248860.txt

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