Eagle Financial Services Inc. (EFSI) vs Richmond Mutual Bancorporation, Inc. (RMBI)

Eagle Financial Services Inc. and Richmond Mutual Bancorporation, Inc. are both Banks Regional companies. Eagle Financial Services Inc. and Richmond Mutual Bancorporation, Inc. are of similar size ($255.2M and $245.7M). Richmond Mutual Bancorporation, Inc. trades at the lower P/E: 12.3× against 13.2×. Eagle Financial Services Inc. grew revenue faster over the last twelve months: 15.8% against 5.17%. Eagle Financial Services Inc. has the higher net margin (15.2% vs 13.0%) and the higher return on invested capital (18.6% vs 9.16%). Across the 19 metrics below, Richmond Mutual Bancorporation, Inc. leads on 10 and Eagle Financial Services Inc. on 9.

Valuation

Metric EFSI RMBI Banks Regional median
P/E 13.21 12.31 12.15
P/S 2.01 1.60 2.37
P/B 1.28 1.00 1.21
Price to free cash flow 17.35 10.90 10.80
EV/EBITDA n/m n/m —
EV/Sales 1.08 1.19 2.27
Earnings yield 7.57% 8.13% 8.11%
Free cash flow yield 5.76% 9.18% 8.98%

Profitability

Metric EFSI RMBI Banks Regional median
Gross margin 73.61% 56.30% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 15.16% 13.00% 18.66%
Free cash flow margin 11.60% 14.68% 21.18%
Return on equity 9.98% 8.57% 10.64%
Return on assets 0.96% 0.79% 1.13%
Return on invested capital 18.55% 9.16% 8.33%

Growth

Metric EFSI RMBI Banks Regional median
Revenue growth (TTM) 15.82% 5.17% 6.61%
EPS growth (last fiscal year) (63.19%) 27.17% —
Revenue growth, 5-year CAGR 17.40% 12.87% 12.30%
Net income growth, 5-year CAGR (5.97%) 2.94% 9.71%

Health

Metric EFSI RMBI Banks Regional median
Debt to equity 0.15 0.00 0.22
Current ratio 1.02 0.90 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric EFSI RMBI Banks Regional median
Dividend yield — 5.47% 3.75%
Payout ratio — 0.43 0.27

Size

Metric EFSI RMBI Banks Regional median
Market cap 245.69m 255.24m 921.07m

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