Eagle Financial Services Inc. (EFSI) vs First Internet Bancorp (INBK)
Eagle Financial Services Inc. and First Internet Bancorp are both Banks Regional companies. Eagle Financial Services Inc. and First Internet Bancorp are of similar size ($245.7M and $227.4M). First Internet Bancorp has negative trailing earnings, so its P/E is not meaningful; Eagle Financial Services Inc. trades at 13.2×. Eagle Financial Services Inc. grew revenue faster over the last twelve months: 15.8% against −9.20%. Eagle Financial Services Inc. has the higher net margin (15.2% vs −9.77%) and the higher return on invested capital (18.6% vs −9.59%). Across the 18 metrics below, Eagle Financial Services Inc. leads on 11 and First Internet Bancorp on 7.
Valuation
Profitability
| Metric | EFSI | INBK | Banks Regional median |
|---|---|---|---|
| Gross margin | 73.61% | 40.91% | 69.57% |
| Operating margin | 0.00% | 0.00% | 0.00% |
| Net margin | 15.16% | (9.77%) | 18.66% |
| Free cash flow margin | 11.60% | 49.69% | 21.18% |
| Return on equity | 9.98% | (8.34%) | 10.64% |
| Return on assets | 0.96% | (0.54%) | 1.13% |
| Return on invested capital | 18.55% | (9.59%) | 8.33% |
Growth
Health
Dividend
Size
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