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Eagle Financial Services Inc. (EFSI) vs GBank Financial Holdings Inc. (GBFH)

Eagle Financial Services Inc. and GBank Financial Holdings Inc. are both Banks Regional companies. Eagle Financial Services Inc. and GBank Financial Holdings Inc. are of similar size ($257.6M and $247.6M). Eagle Financial Services Inc. trades at the lower P/E: 13.2× against 13.6×. GBank Financial Holdings Inc. grew revenue faster over the last twelve months: 20.0% against 15.8%. GBank Financial Holdings Inc. has the higher net margin (15.4% vs 15.2%) and the higher return on invested capital (23.9% vs 18.6%). Across the 16 metrics below, GBank Financial Holdings Inc. leads on 9 and Eagle Financial Services Inc. on 7.

Valuation

Metric EFSI GBFH Banks Regional median
P/E 13.24 13.64 11.98
P/S 2.02 2.13 2.34
P/B 1.28 1.47 1.19
Price to free cash flow 17.38 8.20 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.55% 7.33% 8.23%
Free cash flow yield 5.75% 12.19% 9.08%

Profitability

Metric EFSI GBFH Banks Regional median
Gross margin 73.61% 68.90% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 15.16% 15.44% 18.66%
Free cash flow margin 11.60% 25.93% 21.11%
Return on equity 9.98% 11.39% 10.65%
Return on assets 0.96% 1.39% 1.13%
Return on invested capital 18.55% 23.93% 8.35%

Growth

Metric EFSI GBFH Banks Regional median
Revenue growth (TTM) 15.82% 19.95% 6.98%
EPS growth (last fiscal year) (63.19%) 5.11% 18.88%
Revenue growth, 5-year CAGR 17.40% — 12.38%
Net income growth, 5-year CAGR (5.97%) — 9.71%

Health

Metric EFSI GBFH Banks Regional median
Debt to equity 0.15 0.18 0.22
Current ratio 1.02 1.02 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric EFSI GBFH Banks Regional median
Dividend yield — — 2.57%
Payout ratio — — 0.30

Size

Metric EFSI GBFH Banks Regional median
Market cap 247.58m 257.59m 913.33m

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