Community Bancorp. (CMTV) vs Eagle Financial Services Inc. (EFSI)

Community Bancorp. and Eagle Financial Services Inc. are both Banks Regional companies. Community Bancorp. and Eagle Financial Services Inc. are of similar size ($245.7M and $226.7M). Community Bancorp. trades at the lower P/E: 12.4× against 13.2×. Eagle Financial Services Inc. grew revenue faster over the last twelve months: 15.8% against 9.39%. Community Bancorp. has the higher net margin (25.6% vs 15.2%) and the lower return on invested capital (12.9% vs 18.6%). Across the 19 metrics below, Community Bancorp. leads on 11 and Eagle Financial Services Inc. on 8.

Valuation

Metric CMTV EFSI Banks Regional median
P/E 12.43 13.21 12.15
P/S 3.18 2.01 2.37
P/B 1.89 1.28 1.21
Price to free cash flow 11.37 17.35 10.80
EV/EBITDA n/m n/m —
EV/Sales 3.00 1.08 2.27
Earnings yield 8.05% 7.57% 8.11%
Free cash flow yield 8.80% 5.76% 8.98%

Profitability

Metric CMTV EFSI Banks Regional median
Gross margin 72.41% 73.61% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 25.64% 15.16% 18.66%
Free cash flow margin 27.99% 11.60% 21.18%
Return on equity 16.34% 9.98% 10.64%
Return on assets 1.58% 0.96% 1.13%
Return on invested capital 12.86% 18.55% 8.33%

Growth

Metric CMTV EFSI Banks Regional median
Revenue growth (TTM) 9.39% 15.82% 6.61%
EPS growth (last fiscal year) 32.02% (63.19%) —
Revenue growth, 5-year CAGR 11.55% 17.40% 12.30%
Net income growth, 5-year CAGR 9.54% (5.97%) 9.71%

Health

Metric CMTV EFSI Banks Regional median
Debt to equity 0.11 0.15 0.22
Current ratio 0.95 1.02 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CMTV EFSI Banks Regional median
Dividend yield — — 3.75%
Payout ratio — — 0.27

Size

Metric CMTV EFSI Banks Regional median
Market cap 226.67m 245.69m 921.07m

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