---
schema_version: "secwatch.filing_event.v1"
accession: "0001564590-21-052823"
form_type: "8-K"
ticker: "EFSI"
cik: "0000880641"
company_name: "EAGLE FINANCIAL SERVICES INC"
filed_at: "2021-10-29T23:59:59+00:00"
generated_at: "2026-06-28T16:25:29.535002+00:00"
event_type: "earnings"
sentiment: "neutral"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Eagle Financial Services Q3 net income $2.9M, EPS $0.83; loan growth $45.8M

## Summary
- Net income of $2.9M down 4.3% from Q2 and 15.6% YoY; diluted EPS $0.83.
- Net interest income rose to $10.4M from $10.0M Q2 and $9.5M YoY.
- Noninterest expense increased 9.1% to $9.5M driven by higher salaries and benefits.
- Total loans grew $45.8M to $924.2M despite $19.3M in PPP forgiveness and $29.8M in sales.
- Quarterly dividend declared $0.28/share, payable Nov 19, record Nov 8.

## SEC filing metadata
- accession: 0001564590-21-052823
- form_type: 8-K
- ticker: EFSI
- cik: 0000880641
- company_name: EAGLE FINANCIAL SERVICES INC
- filed_at: 2021-10-29T23:59:59+00:00
- event_type: earnings
- sentiment: neutral
- materiality_score: 0.65
- calibrated_materiality_score: 0.65
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/880641/000156459021052823/0001564590-21-052823-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/880641/000156459021052823/efsi-8k_20211029.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001564590-21-052823
- JSON: https://secwatch.observer/filing/0001564590-21-052823.json
- Plain text: https://secwatch.observer/filing/0001564590-21-052823.txt

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