---
schema_version: "secwatch.filing_event.v1"
accession: "0001564590-22-017262"
form_type: "8-K"
ticker: "EFSI"
cik: "0000880641"
company_name: "EAGLE FINANCIAL SERVICES INC"
filed_at: "2022-05-03T23:59:59+00:00"
generated_at: "2026-06-26T01:48:16.656743+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.65
calibrated_materiality_score: 0.65
confidence: "high"
source: SEC EDGAR
---

# Eagle Financial Q1 net income $3.3M ($0.94 EPS); loan portfolio tops $1B

## Summary
- Net income $3.3M, up 42.4% QoQ and 13.6% YoY; diluted EPS $0.94, annualized EPS record $3.80.
- Net interest income $11.1M, flat QoQ but up 16.8% YoY; NIM 3.61% vs 3.67% prior quarter.
- Total assets $1.37B (+5.5% QoQ); net loans $1.01B, deposits $1.23B (+$54.1M QoQ).
- Issued $30M of 4.50% Fixed-to-Floating Subordinated Notes due 2032 for general corporate purposes.
- Board declared $0.28/share cash dividend, payable May 18, 2022 to holders of record May 4, 2022.

## SEC filing metadata
- accession: 0001564590-22-017262
- form_type: 8-K
- ticker: EFSI
- cik: 0000880641
- company_name: EAGLE FINANCIAL SERVICES INC
- filed_at: 2022-05-03T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- 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/880641/000156459022017262/0001564590-22-017262-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/880641/000156459022017262/efsi-8k_20220502.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001564590-22-017262
- JSON: https://secwatch.observer/filing/0001564590-22-017262.json
- Plain text: https://secwatch.observer/filing/0001564590-22-017262.txt

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