What is a cash flow waterfall?

A cash flow waterfall is a bar chart that walks from operating cash flow through capital expenditure to free cash flow, then shows how the remaining cash is allocated — acquisitions, buybacks, dividends, debt, and other financing — ending at the net change in cash. Each step is colour-coded: green bars add to the running total, red bars subtract.

How does Eagle Financial Services (EFSI) spend its free cash flow?

For TTM through Q1 2026, Eagle Financial Services generated $26.4M of operating cash flow and $25.3M of free cash flow — a free cash flow margin of 95.9% of operating cash flow. The waterfall breaks down how the remaining cash was allocated across investing and financing activities.

How much did Eagle Financial Services (EFSI) return via buybacks and dividends?

The waterfall shows buybacks (share repurchases) and dividends paid as separate steps in the financing section. Together these represent Eagle Financial Services's shareholder returns for TTM through Q1 2026. You can compare these against free cash flow to assess the capital-return payout ratio.

Eagle Financial Services (EFSI) Cash Flow Waterfall

Operating CF

$26.4M

Capex

-$1.08M

Free Cash Flow

$25.3M

FCF Margin

+95.9%

Cash flow waterfall for Eagle Financial Services (EFSI) — TTM through Q1 2026

Free cash flow: $25.3M

Note: Other Investing is large — driven mainly by purchases or sales of investments.

Cash flow breakdown for Eagle Financial Services (EFSI) — TTM through Q1 2026

Line item	Amount	Running total
Operating Cash Flow	$26.4M	$26.4M
Capital Expenditure	-$1.08M	$25.3M
Free Cash Flow	$25.3M	$25.3M
Other Investing	-$12.8M	$12.4M
Dividends Paid	-$6.68M	$5.76M
Net Debt Change	-$65.2M	-$59.4M
Other Financing	-$15.8M	-$75.2M
Forex Effect	$50.9M	-$24.2M
Net Cash Decrease	-$75.2M	-$75.2M

Operating Cash Flow$26.4M
Capital Expenditure-$1.08M
Free Cash Flow$25.3M
Other Investing-$12.8M
Dividends Paid-$6.68M
Net Debt Change-$65.2M
Other Financing-$15.8M
Forex Effect$50.9M
Net Cash Decrease-$75.2M

Want to see what drove the FCF change?Free Cash Flow Bridge

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