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Eagle Financial Services ( (EFSI) ) has provided an announcement.
On January 26, 2026, Eagle Financial Services reported fourth quarter 2025 net income of $4.3 million, down from $5.6 million in the prior quarter and $6.2 million a year earlier, with earnings per share of $0.81, annualized return on average equity of 9.18% and return on average assets of 0.91%. The year-ago quarter’s results were elevated by a one-time gain from a 2024 sale-leaseback transaction; excluding that, adjusted fourth quarter 2024 net income was $3.1 million, meaning underlying earnings rose year over year, driven by a $2.9 million increase in net interest income and a $919,000 rise in wealth management fee income, partly offset by $2.0 million higher noninterest expenses. Fourth quarter 2025 performance was supported by higher noninterest income to average assets (up to 1.12%), a 25.8% quarter-over-quarter increase in wealth management fee income to $2.3 million, and an improved net interest margin of 3.61% as loan yields and net interest spread both expanded. Management highlighted 2025 as a pivotal year marked by a capital raise, balance sheet repositioning, a sale of lower-yielding securities in favor of higher-yielding instruments, a pool sale of mortgage loans to bolster liquidity ahead of a public offering, and an uplisting to Nasdaq, all of which strengthened the balance sheet, enhanced net interest margin and return on assets, and are intended to position the franchise for sustained growth and competitiveness.
The most recent analyst rating on (EFSI) stock is a Hold with a $42.00 price target. To see the full list of analyst forecasts on Eagle Financial Services stock, see the EFSI Stock Forecast page.
Spark’s Take on EFSI Stock
According to Spark, TipRanks’ AI Analyst, EFSI is a Neutral.
The score is driven primarily by improved balance-sheet leverage and strong, earnings-supported cash generation, which help offset weaker recent profitability and a sharp TTM revenue decline. Technical indicators are stable-to-mildly positive, while valuation appears fair with a solid dividend yield but no clear discount.
To see Spark’s full report on EFSI stock, click here.
More about Eagle Financial Services
Eagle Financial Services, Inc. (NASDAQ: EFSI) is the holding company for Bank of Clarke, operating as a community banking and wealth management provider that generates revenue from loan interest income, an investment securities portfolio and noninterest income streams such as wealth management fees, with a balance sheet strategy that includes securities repositioning and selected sale-leaseback transactions.
Average Trading Volume: 13,457
Technical Sentiment Signal: Buy
Current Market Cap: $215.2M
For detailed information about EFSI stock, go to TipRanks’ Stock Analysis page.