Eagle Financial Services vs Franklin Financial Services
EFSI and FRAF side by side, both in commercial banks. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How EFSI and FRAF compare
Franklin Financial Services is the larger company, worth 1.3 times as much as Eagle Financial Services ($320M against $247M).
On earnings, Franklin Financial Services is cheaper: it trades at 12.9× trailing earnings, against 13.2× for Eagle Financial Services.
Eagle Financial Services grew revenue faster over the last twelve months (37.5% versus 22.3% for Franklin Financial Services).
Franklin Financial Services keeps more of each dollar of sales as profit, with a net margin of 26.0% compared with 20.6% at Eagle Financial Services.
Both pay dividends: Eagle Financial Services yields 2.7% and Franklin Financial Services 1.9%.
Franklin Financial Services scores higher on the StockData Score (14 against 9 for Eagle Financial Services), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | EFSI | FRAF |
|---|---|---|
| Size and price | ||
| Market cap | $247M | $320M |
| Share price | $45.61 | $71.11 |
| Change, 1 year | 25.7% | 55.5% |
| Change, 5 years | 30.3% | 121% |
| Beta (5Y) | 0.11 | 0.25 |
| Employees | 254 | 306 |
| StockData Score | ||
| Total score | 9 | 14 (better) |
| Valuation score | 1 | 1 |
| Growth score | 3 | 3 |
| Performance score | 0 | 4 (better) |
| Health score | 1 | 3 (better) |
| Dividend score | 4 (better) | 3 |
| Valuation | ||
| P/E | 13.2× | 12.9× (better) |
| P/S | 2.7× (better) | 3.4× |
| P/B | 1.3× (better) | 1.7× |
| P/FCF | 30.6× | – |
| PEG | – | 1.06 |
| FCF yield | 3.3% | – |
| Fair value | $41.18 | $54.50 |
| Margin of safety | −10.8% (better) | −30.5% |
| Growth | ||
| Revenue growth (TTM) | 37.5% (better) | 22.3% |
| Revenue growth, 5Y average | 9.5% (better) | 9.3% |
| Net income growth (TTM) | 136% (better) | 69.6% |
| EPS growth (TTM) | 60.2% | 68.7% (better) |
| EPS growth, 5Y average | −13.4% | 10.1% (better) |
| Profitability | ||
| Net margin | 20.6% | 26.0% (better) |
| FCF margin | 8.9% | – |
| Return on equity | 10.0% | 14.4% (better) |
| Financial health | ||
| Altman Z-score | 0.23 (better) | 0.23 |
| Piotroski F-score | 4 | 6 (better) |
| Dividends and buybacks | ||
| Dividend yield | 2.7% (better) | 1.9% |
| Payout ratio | 35.9% | 24.2% |
| Years of dividend growth | 16 (better) | 1 |
| Dividend growth, 5Y average | 3.6% (better) | 1.8% |
| Buyback yield | 0.00% | 0.44% (better) |
| Shareholder yield | 2.7% (better) | 2.3% |
| Ownership | ||
| Held by institutions | 45.1% | 37.5% |
| Held by insiders | 10.3% | 8.0% |
| Insider net buying, 12 months | $114K (better) | −$32.1K |
| Short interest, % of float | 3.0% | 5.9% |
Go deeper
- EFSI stock overview
- EFSI income statement
- EFSI valuation and score
- FRAF stock overview
- FRAF income statement
- FRAF valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.