#USA #Q3 2025 #Berryville #Bank of Clarke #Eagle Financial Services

Eagle Financial Services, Inc. Reports Impressive Q3 2025 Results

Eagle Financial Services, Inc. (NASDAQ: EFSI), which operates as the holding company for Bank of Clarke, has revealed its third quarter financial outcomes for 2025. Announced on October 23, 2025, this update includes robust profits and a generous dividend for shareholders.

Financial Highlights

In the third quarter, Eagle Financial Services recorded net income of $5.58 million, marking an increase compared to previous quarters. In comparison, net income for the second quarter of 2025 stood at $5.27 million, reflecting a steady growth trajectory. This represents an impressive 63.1% increase over the same quarter last year, where the net income was $3.42 million.

Earnings per share also saw improvement, with basic and diluted earnings reaching $1.04, up from $0.98 in the second quarter of 2025 and $0.97 a year prior.

Dividend Announcement

In a bid to reward its investors, the Eagle Financial Services Board declared a cash dividend of $0.31 per share, which will be payable on November 14, 2025, to shareholders on record as of November 3, 2025. This dividend reflects the company's commitment to returning value to its shareholders amid consistent financial performance.

Breakdown of Performance Metrics

A few key performance metrics from the quarter reveal the soundness of Eagle's financial position:

• - Consolidated Noninterest Income: Increased to $5.17 million compared to $4.92 million in the previous quarter.
• - Net Interest Income: Improved significantly by 9.6%, reaching $17.2 million from $15.7 million in the second quarter. This surge was bolstered by increased sales in mortgage and SBA loans, totaling $21.5 million and $6.1 million, respectively.
• - Normal Operations: The efficiency ratio, a critical measure for operational costs versus revenue, decreased to 64.06%, down from 64.91% in the prior quarter.

Eagle Financial's net interest margin also saw commendable growth, climbing to 3.58%, up from 3.42% in the preceding quarter and notably higher than the 3.03% from a year ago. The bank’s strategic balance sheet management and proactive lending approach contribute significantly to these favorable results.

Operational Developments

During this quarter, Eagle Financial reported an increase in loans, net of allowances for credit losses, by $22.5 million, which is indicative of the bank's expanding lending activities.

Brandon Lorey, President and CEO of Eagle Financial Services, expressed satisfaction with the quarter's results, emphasizing the disciplined approach of the team in navigating the market landscape. He pointed out the strategic growth in core lending and wealth management services, further solidifying the Bank's operational efficiency.

In addition to these results, the company also announced the promotion of Nick Smith to EVP, Deputy CFO, reinforcing its leadership team and commitment to strategic objectives.

Outlook

Looking ahead, Eagle Financial remains committed to maintaining its momentum while continuing to provide value to customers and shareholders alike. The reported figures highlight the bank’s focus on superior asset quality and strong growth metrics, charting a promising path for future quarters.

Conclusion

In summary, Eagle Financial Services, Inc. has demonstrated its robust financial health through impressive quarterly results and a consistent commitment to dividends, making it an appealing prospect for current and potential investors. With continued growth in core business segments and effective operational management, Eagle Financial remains poised for future successes.

For those interested in more detailed financial insights, the third quarter 2025 earnings call will be held on October 24, 2025, at 10 a.m. Eastern time, offering an additional opportunity for stakeholders to engage with the company’s leadership.