Every material Form 8-K EAGLE FINANCIAL SERVICES INC has filed with the SEC since July 23, 2026, read and summarized by AI: what happened, the key figures, whether it reads positive or negative for shareholders, and how big a deal it is (impact 1-5). Newest first; each brief links to its own page and to the filing on SEC.gov.
Eagle Financial Services (EFSI) reported third-quarter 2026 GAAP net income of $4.8 million, down from $5.0 million in the second quarter and $5.6 million a year earlier. Net interest margin rose to 3.95%, and net loans grew $32.4 million in the quarter, but results include $342 thousand of merger-related expenses tied to its proposed merger with John Marshall Bancorp. The board also declared a $0.31 quarterly dividend payable November 13, 2026.
GAAP net income was $4.8 million for Q3 2026, versus $5.0 million in Q2 2026 and $5.6 million in Q3 2025.
Adjusted net income, which excludes merger expenses and the Q2 2026 gain on the sale of Bearing Insurance Group, was $5.0 million, versus $2.2 million in Q2 2026.
Net interest margin was 3.95%, up from 3.86% in Q2 2026 and 3.58% in Q3 2025; net loans rose $32.4 million to $1.51 billion.
Quarterly dividend of $0.31 per share is payable November 13, 2026, to shareholders of record on November 2, 2026.
Eagle Financial Services (EFSI) and John Marshall Bancorp (JMSB) signed a merger agreement on September 7, 2026, under which EFSI shareholders would receive 2.00 JMSB shares for each EFSI share, and the two banks would combine under the John Marshall Bancorp name. The deal requires shareholder and regulatory approvals, and the companies expect it to close early in the first quarter of 2027, so EFSI shareholders would become holders of the combined company's stock.
Each EFSI common share converts into 2.00 JMSB common shares, with cash paid in lieu of fractional shares.
Pro forma ownership of the combined company is 56.6% JMSB and 43.4% EFSI, per the investor presentation filed as Exhibit 99.1.
The combined board will have 12 directors, six from each company, and Brandon C. Lorey will serve as Chief Executive Officer.
Either party may terminate if the mergers are not completed by September 30, 2027.
Eagle Financial Services reported second quarter 2026 net income of $5.0 million, or $0.92 per share, which includes a $3.5 million pre-tax gain from selling its stake in Bearing Insurance Group. Excluding the gain, adjusted net income was $2.2 million, down from $3.7 million in the first quarter and $5.3 million a year earlier, mainly because the provision for credit losses rose to $3.2 million. The board also declared a $0.31 quarterly dividend, so shareholders should weigh the one-time gain against weaker core earnings.
Net income was $5.0 million, or $0.92 per share, for Q2 2026, versus $3.7 million, or $0.69 per share, in Q1 2026 and $5.3 million, or $0.98 per share, in Q2 2025.
Adjusted net income, excluding the tax-effected gain, was $2.2 million, or $0.41 per share, down 40.5% from Q1 2026.
Provision for credit losses on loans was $3.2 million, compared with $2.0 million in Q1 2026 and $856 thousand in Q2 2025.
Quarterly cash dividend of $0.31 per share is payable August 14, 2026, to shareholders of record on August 3, 2026.
Briefs are written by AI from the filing text and can contain mistakes — open the filing before acting on anything. Impact (1-5) and tone are the AI's reading of the filing for shareholders, not a price forecast. Not investment advice.
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