How does Eagle Financial Services (EFSI) make money?

Eagle Financial Services (EFSI) generates revenue primarily from Interchange Fees, which accounted for 46.1% of total revenue in TTM through Q1 2026. The company reported $113.92M in revenue and converted 16.6% of it into net profit, equivalent to roughly $18.93M in net income — what's left after the cost of revenue, operating expenses, interest, and income taxes.

What is the gross profit margin of Eagle Financial Services (EFSI)?

Eagle Financial Services (EFSI) reported a gross profit margin of 67.9% in TTM through Q1 2026, equivalent to $77.30M in gross profit on $113.92M in revenue. Gross margin measures how much of each dollar of revenue remains after the direct cost of producing or delivering the product — a higher figure typically signals pricing power, scale, or a less capital-intensive business model.

What is the operating profit margin of Eagle Financial Services (EFSI)?

Eagle Financial Services (EFSI) reported an operating profit margin of 16.4% in TTM through Q1 2026, equivalent to $18.70M in operating income. Operating margin captures profitability after research & development, sales & marketing, and general & administrative expenses — but before interest, taxes, and one-off items — and is the cleanest single read on the underlying business's efficiency.

What is the net profit margin of Eagle Financial Services (EFSI)?

Eagle Financial Services (EFSI) reported a net profit margin of 16.6% in TTM through Q1 2026, equivalent to $18.93M in net income. Net margin is the bottom-line share of revenue that survives every expense — operating costs, interest, and income taxes — and is the figure that flows directly into earnings per share.

Is Eagle Financial Services (EFSI) profitable?

Yes. Eagle Financial Services (EFSI) reported $18.93M in net income for TTM through Q1 2026, with a net profit margin of 16.6%. The company earned more from its operations than it paid out in costs, interest, and income taxes, leaving positive earnings on the bottom line.

How much does Eagle Financial Services (EFSI) spend on capital expenditures?

Eagle Financial Services (EFSI) spent $1.08M on capital expenditures (CapEx) during TTM through Q1 2026, roughly 0.9% of total revenue. CapEx represents long-lived investment in property, equipment, data centres, and other physical infrastructure, and is subtracted from operating cash flow to arrive at free cash flow.

How much free cash flow does Eagle Financial Services (EFSI) generate?

Eagle Financial Services (EFSI) generated $25.28M in free cash flow during TTM through Q1 2026, a free-cash-flow margin of 22.2%. Free cash flow is the cash left after capital expenditures and represents the discretionary pool the company can use to pay dividends, repurchase shares, repay debt, or fund acquisitions without raising external capital.

What is the effective tax rate of Eagle Financial Services (EFSI)?

Eagle Financial Services (EFSI) had an effective tax rate of 19.9% in TTM through Q1 2026. The effective rate is the actual share of pre-tax income paid as income taxes and can differ materially from the statutory rate due to foreign earnings mix, tax credits (such as R&D), share-based compensation deductions, and one-off discrete items.

What are the main business segments of Eagle Financial Services (EFSI)?

Eagle Financial Services (EFSI) reports revenue across 6 reportable product segments, led by Interchange Fees at 46.1% of total revenue in TTM through Q1 2026. See the revenue-by-segment table on this page for the full breakdown and how each segment feeds into the income-statement waterfall above.

How Eagle Financial Services Makes Money: 2026 Visual Revenue Map

Eagle Financial Services (EFSI) Income Statement Flow — TTM through Q1 2026

Calculated from the four most recent reported quarters, ending March 31, 2026 (reported May 11, 2026).

Eagle Financial Services discloses geographic revenue only in annual filings. to view the full breakdown.

Eagle Financial Services (EFSI) Revenue by Product Segment — TTM through Q1 2026

Aggregated from the four quarterly disclosures behind this TTM. Minor differences vs the company's annual filing can occur if reported segments changed mid-year.

Revenue contribution by product segment for Eagle Financial Services (EFSI) in TTM through Q1 2026.
Segment	Revenue (USD)	% of total
Interchange Fees	$52.50M	46.1%
Overdrawn Account Fees	$24.68M	21.7%
Brokerage Commissions	$19.70M	17.3%
Monthlyand Other Service Fees	$7.85M	6.9%
A T M Fees	$5.90M	5.2%
Other Chargesand Fees	$3.28M	2.9%
Total	$113.92M	100%

Interchange Fees$52.50M
Overdrawn Account Fees$24.68M
Brokerage Commissions$19.70M
Monthlyand Other Service Fees$7.85M
A T M Fees$5.90M
Other Chargesand Fees$3.28M
Total$113.92M

Revenue Breakdown — TTM through Q1 2026

In TTM through Q1 2026, Eagle Financial Services (EFSI) reports revenue across 6 operating segments; the largest segment was Interchange Fees at 46.1%, followed by Overdrawn Account Fees (21.7%) and Brokerage Commissions (17.3%).

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