Eagle Financial Services, Inc. (NASDAQ: EFSI) reported third‑quarter 2025 results on October 23, 2025, posting net income of $5.584 million and basic and diluted earnings per share of $1.04. Net interest income rose to $17.2 million, a 9.6% increase from the second quarter and a 30.7% increase from the same period in 2024, while the net interest margin expanded to 3.58% from 3.42% in Q2 and 3.03% in Q4 2024.
The company’s net interest margin improvement reflects higher average loan yields and a shift toward more profitable loan products, and the earnings beat of 6% over Q2 2025 underscores the effectiveness of its recent balance‑sheet repositioning. Noninterest income also grew to $5.165 million, driven largely by a 10% increase in wealth‑management fee income and gains on mortgage loans held for sale.
EFSI announced a quarterly common‑stock cash dividend of $0.31 per share, payable on November 14, 2025 to shareholders of record on November 3, 2025. The dividend declaration follows a promotion of Nick Smith to EVP, Deputy CFO, signaling confidence in the company’s financial trajectory and a commitment to returning value to shareholders. The combined earnings beat, margin expansion, and dividend increase highlight a strengthening financial position and reinforce investor confidence in EFSI’s strategic direction.
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