Eagle Financial Services, Inc. (EFSI) Q3 FY2026 earnings

Reported results

• GAAP net income: $4.75 million for Q3 2026, compared to $4.98 million for Q2 2026 and $5.58 million for Q3 2025
• GAAP earnings per share (basic and diluted): $0.88 for Q3 2026, compared to $0.92 for Q2 2026 and $1.04 for Q3 2025
• Non-GAAP adjusted net income: $5.02 million for Q3 2026 (excluding $342 thousand merger-related expenses), compared to $2.23 million for Q2 2026 (excluding $3.5 million gain on sale of Bearing)
• Net interest income: $17.63 million for Q3 2026, up $659 thousand or 3.9% from Q2 2026 and up $430 thousand or 2.5% from Q3 2025
• Net interest margin (non-GAAP): 3.95% for Q3 2026, compared to 3.86% for Q2 2026 and 3.58% for Q3 2025
• Total net loans increased $32.4 million or 2.2% to $1.51 billion at September 30, 2026 from June 30, 2026; total deposits increased $21.3 million or 1.3% to $1.62 billion

Notes

Non-GAAP adjustments: Q3 2026 excludes $342 thousand pre-tax merger-related expenses ($72 thousand tax-effected); Q2 2026 excludes $3.5 million pre-tax gain on sale of Bearing membership interest ($732 thousand tax-effected). Company announced proposed merger with John Marshall Bancorp, Inc. in September 2026. Board declared quarterly dividend of $0.31 per share on October 21, 2026.

Price and volatility reaction

Source

The figures above come from the earnings release the company filed with the SEC on 2026-10-22 (8-K, Item 2.02). Read the original filing on sec.gov.