Eagle Financial Services Q3 net income $4.8 million, down from $5.6 million a year earlier
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.
Key points
- 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.
The filing
Written by AI on Nov 9, 2026, 8:28 AM ET, from this filing only. Written later: this filing was briefed after the fact, when past filings were added to the site, so the brief may be read with hindsight; the filing itself is the record of what was known on October 22, 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.