Eagle Financial Services, Inc. (EFSI) Q1 2026 Earnings Call Prepared Remarks Transcript
Eagle Financial Services, Inc. (NASDAQ:EFSI ) Q3 2025 Earnings Call October 24, 2025 10:00 AM EDT Company Participants Nicholas Smith Brandon Lorey - President, CEO & Director Kathleen Chappell - Executive VP & CFO Joseph Zmitrovich - President & Chief Banking Officer of Bank of Clarke Presentation Operator Thank you for standing by. My name is Carly, and I will be your conference operator today.
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| Name | Quantity | Cost | Value | Profit ($) | Gain (%) |
|---|---|---|---|---|---|
| CE Curtis Ellergodt Rothschild Investment LLC | 5 | $197.2 | $209.75 | $12.55 | 6.36% |
Bobby Adusumilli SJS Investment Consulting Inc. | 2 | $79.6 | $83.72 | $4.12 | 5.18% |
Kevin Kroskey True Wealth Design LLC | 5 | $189.17 | $209.5 | $20.33 | 10.75% |
Alexandra Stickelman Root Financial Partners, LLC | 2 | $70 | $86.25 | $16.25 | 23.21% |
Christopher C. Powers Farther Finance Advisors, LLC | 6 | $239 | $253.98 | $14.98 | 6.27% |
| Name | Quantity | Cost | Value | Profit ($) | Gain (%) |
|---|---|---|---|---|---|
| MP Mikhail Paramonov Freedom Broker | 1,027.41 | $38,803.97 | $43,870.43 | $5,066.46 | 13.06% |
| Banks Industry | Financials Sector | Brandon Craig Lorey CEO | NASDAQ (CM) Exchange | 26951R104 CUSIP |
| US Country | 253 Employees | 4 May 2026 Last Dividend | 16 Mar 2006 Last Split | - IPO Date |
Eagle Financial Services, Inc. serves as the banking holding company for Bank of Clarke, providing a range of retail and commercial banking solutions primarily in the Shenandoah Valley, Northern Virginia, and Frederick, Maryland. The firm operates across three key segments, namely Community Banking, Marine Lending, and Wealth Management. Founded in 1881, Eagle Financial Services, Inc. has its headquarters in Berryville, Virginia, and boasts a robust network of full-service branches, loan production offices, a drive-through only facility, and numerous ATM locations across its service areas.
Deposit Products: Eagle Financial Services, Inc. offers an assortment of deposit accounts including checking, NOW accounts, money market accounts, and regular savings accounts, catering to both individual and business banking needs. The firm also handles demand and time deposit solutions.
Loan Portfolio: The company's wide-ranging loan offerings include one-to-four-family residential real estate loans, commercial real estate loans, construction and land development loans, and commercial and industrial loans. Additionally, Eagle Financial Services, Inc. also provides various secured and unsecured consumer loans such as personal installment loans, lines of credit, automobile loans, and credit card loans.
Fiduciary and Advisory Services: Beyond traditional banking, Eagle Financial Services offers fiduciary services, catering to estates and trusts. Their wealth management division provides advisory services and an array of investment products including individual retirement accounts, mutual funds, tax-deferred annuities, 529 college savings plans, life insurance, long-term care insurance, brokerage certificates of deposit, and other brokerage services. The firm also deals in non-deposit investment products and offers title insurance products.
Electronic and Convenience Banking Services: In the digital era, Eagle Financial Services, Inc facilitates easy access to banking services through online bill payment, telephone, internet, and mobile banking. Customers can also benefit from commercial deposit account services like ACH origination and remote deposit capture, alongside ATM and debit card provisions, enhancing the convenience of banking transactions.