Eagle Financial Services Inc. (EFSI) vs FB Bancorp, Inc. (FBLA)

Eagle Financial Services Inc. and FB Bancorp, Inc. are both Banks Regional companies. Eagle Financial Services Inc. and FB Bancorp, Inc. are of similar size ($259.3M and $245.7M). FB Bancorp, Inc. has negative trailing earnings, so its P/E is not meaningful; Eagle Financial Services Inc. trades at 13.2×. FB Bancorp, Inc. grew revenue faster over the last twelve months: 26.6% against 15.8%. Eagle Financial Services Inc. has the higher net margin (15.2% vs −0.39%) and the higher return on invested capital (18.6% vs 0.53%). Across the 16 metrics below, Eagle Financial Services Inc. leads on 9 and FB Bancorp, Inc. on 7.

Valuation

Metric EFSI FBLA Banks Regional median
P/E 13.21 n/m 12.15
P/S 2.01 3.39 2.37
P/B 1.28 0.86 1.21
Price to free cash flow 17.35 6.35 10.80
EV/EBITDA n/m n/m —
EV/Sales 1.08 4.30 2.27
Earnings yield 7.57% (0.06%) 8.11%
Free cash flow yield 5.76% 15.75% 8.98%

Profitability

Metric EFSI FBLA Banks Regional median
Gross margin 73.61% 74.02% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 15.16% (0.39%) 18.66%
Free cash flow margin 11.60% 33.10% 21.18%
Return on equity 9.98% (0.09%) 10.64%
Return on assets 0.96% (0.02%) 1.13%
Return on invested capital 18.55% 0.53% 8.33%

Growth

Metric EFSI FBLA Banks Regional median
Revenue growth (TTM) 15.82% 26.60% 6.61%
EPS growth (last fiscal year) (63.19%) 104.02% —
Revenue growth, 5-year CAGR 17.40% — 12.30%
Net income growth, 5-year CAGR (5.97%) — 9.71%

Health

Metric EFSI FBLA Banks Regional median
Debt to equity 0.15 0.39 0.22
Current ratio 1.02 0.97 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

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

Size

Metric EFSI FBLA Banks Regional median
Market cap 245.69m 259.32m 921.07m

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