How Eagle Financial Services (EFSI) Makes Money: A Visual Guide
Eagle Financial Services (EFSI) generated $113.92M in revenue, earning $18.93M in net profit (16.6% margin). Its largest revenue source is Interchange Fees (46.1% of revenue). Below is an interactive breakdown of how revenue flows through the income statement.
In TTM through Q1 2026, Eagle Financial Services (EFSI) generated revenue across 6 reportable product segments; the largest contributor was Interchange Fees at 46.1%, followed by Overdrawn Account Fees (21.7%) and Brokerage Commissions (17.3%).
Eagle Financial Services (EFSI) Income Statement Flow — TTM through Q1 2026
Calculated from the four most recent reported quarters, ending (reported ).
Eagle Financial Services (EFSI) Revenue by Product Segment — TTM through Q1 2026
Revenue contribution by product segment for Eagle Financial Services (EFSI) in TTM through Q1 2026.
Interchange Fees
- Revenue
- $52.50M
- % of total
- 46.1%
Overdrawn Account Fees
- Revenue
- $24.68M
- % of total
- 21.7%
Brokerage Commissions
- Revenue
- $19.70M
- % of total
- 17.3%
Monthlyand Other Service Fees
- Revenue
- $7.85M
- % of total
- 6.9%
A T M Fees
- Revenue
- $5.90M
- % of total
- 5.2%
Other Chargesand Fees
- Revenue
- $3.28M
- % of total
- 2.9%
Total
- Revenue
- $113.92M
- % of total
- 100%
| Segment | Revenue | % 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% |
Frequently asked questions
How does Eagle Financial Services (EFSI) make money?
Eagle Financial Services (EFSI) primarily makes money through Interchange Fees, which accounts for 46.1% of total revenue. For TTM through Q1 2026, Eagle Financial Services generated $113.92M in total revenue with a net profit margin of 16.6%.
What is Eagle Financial Services (EFSI) gross profit margin?
Eagle Financial Services (EFSI) reported a gross profit margin of 67.9% for TTM through Q1 2026, equivalent to $77.30M in gross profit. This means Eagle Financial Services retains 67.9% of each revenue unit after direct costs of production.
What is Eagle Financial Services (EFSI) operating profit margin?
Eagle Financial Services (EFSI) reported an operating profit margin of 16.4% for TTM through Q1 2026, equivalent to $18.70M in operating profit. This reflects profitability after operating expenses such as R&D, sales, and administration, but before taxes and non-operating items.
What is Eagle Financial Services (EFSI) net profit margin?
Eagle Financial Services (EFSI) reported a net profit margin of 16.6% for TTM through Q1 2026, equivalent to $18.93M in net profit. This is the share of revenue that remains as profit after all expenses, taxes, and non-operating items.
How much does Eagle Financial Services (EFSI) spend on capital expenditures?
Eagle Financial Services (EFSI) spent $1.08M on capital expenditures in TTM through Q1 2026 (0.9% of total revenue). Capital expenditures represent investments in physical assets such as property, equipment, and infrastructure.
What is Eagle Financial Services (EFSI) free cash flow?
Eagle Financial Services (EFSI) generated $25.28M in free cash flow for TTM through Q1 2026 (22.2% of total revenue). Free cash flow is the cash remaining after capital expenditures and represents the company's ability to fund growth, pay dividends, or reduce debt.
What is Eagle Financial Services (EFSI) effective tax rate?
Eagle Financial Services (EFSI) had an effective tax rate of 19.9% for TTM through Q1 2026. This is the actual percentage of pre-tax income paid as income taxes.
What are Eagle Financial Services (EFSI) main revenue segments?
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. The full segment-by-segment breakdown is shown in the revenue-by-segment table on this page.
Data & methodology
What is a Sankey diagram?
A Sankey diagram shows how money flows through a company from revenue to net profit. The width of each flow represents its proportion.
How is the data calculated?
We use the income statement from company filings. For TTM (Trailing Twelve Months), we use a pre-aggregated twelve-month view aligned with our latest four quarterly periods. Revenue flows to cost of revenue and gross profit, then to operating expenses (R&D, S&M, G&A) and operating profit.
Where do segment and geographic numbers come from?
Product-segment shares come from the same TTM income statement that powers the Sankey chart. Geographic splits are first rebuilt from the four most recent quarterly geographic-segmentation filings so they align with the same TTM window; if quarterly geo data is missing, we fall back to the latest annual disclosure (the table heading shows which one is in use).
When was this data last updated?
Based on company filings through TTM through Q1 2026.
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