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Eagle Financial Services Inc. (EFSI) vs National Bankshares, Inc. (NKSH)

Eagle Financial Services Inc. and National Bankshares, Inc. are both Banks Regional companies. Eagle Financial Services Inc. and National Bankshares, Inc. are of similar size ($251.1M and $245.4M). National Bankshares, Inc. trades at the lower P/E: 12.4× against 13.1×. Eagle Financial Services Inc. grew revenue faster over the last twelve months: 15.8% against 5.28%. National Bankshares, Inc. has the higher net margin (23.2% vs 15.2%) and the lower return on invested capital (11.2% vs 18.6%). Across the 18 metrics below, National Bankshares, Inc. leads on 11 and Eagle Financial Services Inc. on 7.

Valuation

Metric EFSI NKSH Banks Regional median
P/E 13.10 12.39 12.02
P/S 1.99 2.88 2.36
P/B 1.26 1.31 1.23
Price to free cash flow 17.20 13.65 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 7.64% 8.07% 8.21%
Free cash flow yield 5.82% 7.33% 9.23%

Profitability

Metric EFSI NKSH Banks Regional median
Gross margin 73.61% 69.15% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 15.16% 23.22% 18.82%
Free cash flow margin 11.60% 21.07% 17.97%
Return on equity 9.98% 11.25% 10.28%
Return on assets 0.96% 1.12% 1.13%
Return on invested capital 18.55% 11.23% 8.45%

Growth

Metric EFSI NKSH Banks Regional median
Revenue growth (TTM) 15.82% 5.28% 6.37%
EPS growth (last fiscal year) (63.19%) 100.81% 18.85%
Revenue growth, 5-year CAGR 17.40% 10.43% 12.65%
Net income growth, 5-year CAGR (5.97%) (0.31%) 9.81%

Health

Metric EFSI NKSH Banks Regional median
Debt to equity 0.15 0.00 0.17
Current ratio 1.02 0.65 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric EFSI NKSH Banks Regional median
Dividend yield — 3.87% 2.49%
Payout ratio — 0.48 0.29

Size

Metric EFSI NKSH Banks Regional median
Market cap 245.44m 251.07m 934.85m

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