Eagle Financial Services Inc. (EFSI) vs Virginia National Bankshares Corporation (VABK)

Eagle Financial Services Inc. and Virginia National Bankshares Corporation are both Banks Regional companies. Eagle Financial Services Inc. and Virginia National Bankshares Corporation are of similar size ($255.4M and $245.7M). Virginia National Bankshares Corporation trades at the lower P/E: 10.6× against 13.2×. Eagle Financial Services Inc. grew revenue faster over the last twelve months: 15.8% against 5.24%. Virginia National Bankshares Corporation has the higher net margin (28.2% vs 15.2%) and the lower return on invested capital (14.1% vs 18.6%). Across the 19 metrics below, Virginia National Bankshares Corporation leads on 12 and Eagle Financial Services Inc. on 7.

Valuation

Metric EFSI VABK Banks Regional median
P/E 13.21 10.55 12.15
P/S 2.01 2.98 2.37
P/B 1.28 1.35 1.21
Price to free cash flow 17.35 11.38 10.80
EV/EBITDA n/m n/m —
EV/Sales 1.08 2.33 2.27
Earnings yield 7.57% 9.48% 8.11%
Free cash flow yield 5.76% 8.78% 8.98%

Profitability

Metric EFSI VABK Banks Regional median
Gross margin 73.61% 72.27% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 15.16% 28.18% 18.66%
Free cash flow margin 11.60% 26.16% 21.18%
Return on equity 9.98% 13.57% 10.64%
Return on assets 0.96% 1.52% 1.13%
Return on invested capital 18.55% 14.14% 8.33%

Growth

Metric EFSI VABK Banks Regional median
Revenue growth (TTM) 15.82% 5.24% 6.61%
EPS growth (last fiscal year) (63.19%) 12.70% —
Revenue growth, 5-year CAGR 17.40% 19.78% 12.30%
Net income growth, 5-year CAGR (5.97%) 19.28% 9.71%

Health

Metric EFSI VABK Banks Regional median
Debt to equity 0.15 0.10 0.22
Current ratio 1.02 0.93 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric EFSI VABK Banks Regional median
Dividend yield — 4.40% 3.75%
Payout ratio — 0.28 0.27

Size

Metric EFSI VABK Banks Regional median
Market cap 245.69m 255.37m 921.07m

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