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Edge14 Nov 2025
Ball: The King of Cans
From a 19th-century glass-jar legacy to a global plant network, Ball is now a pure-play aluminum can partner to the world's biggest beverage brands.
Eagle Financial Services (EFSI) investor relations material
Eagle Financial Services Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary24 Oct, 2025
Executive summary
Q3 2025 net income was $5.6 million, up 63% year-over-year and 6% sequentially, reflecting improved funding composition, higher net interest income, and wealth management fees.
Total assets reached $1.93 billion, deposits $1.66 billion, and shareholders' equity $185.6 million at September 30, 2025.
The company operates in high-income, high-growth markets with a scalable, commercial-focused model and maintains a dominant deposit market share in core regions.
A public offering in Q1 2025 raised $53.5 million, strengthening capital and liquidity.
Positive outlook maintained for the remainder of 2025, with confidence in performance trajectory and ongoing focus on operational efficiency.
Financial highlights
Net income for Q3 was $5.6 million, or $1.04 per diluted share; ROAA at 1.10%, ROAE at 12.2%.
Net interest income rose to $17.2 million, up 9.6% sequentially and 30.7% year-over-year; net interest margin improved to 3.58%.
Noninterest income was $5.2 million, up from Q2, driven by wealth management, trust services, and loan sales.
Efficiency ratio improved to 64.06% in Q3 2025.
Tangible book value per share increased to $34.52.
Outlook and guidance
Management expects continued organic growth, supported by the capital raise and balance sheet repositioning.
Net interest margin expected to remain near 3.5% in Q4; gain on sales of loans may be impacted by government shutdown pausing SBA loan settlement.
Focus on profitable organic growth, cost control, technology adoption, and core deposit expansion.
Cautionary note on forward-looking statements highlights risks from economic, regulatory, and market conditions.
New CRE nonaccruals: resolution timeline?
Deposit strategy to support loan growth?
McLean branch: expected growth contribution?
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Next Eagle Financial Services earnings date
Q4 202523 Jan, 2026
Next Eagle Financial Services earnings date
Q4 202523 Jan, 2026
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