Eagle Financial Services vs SB Financial
EFSI and SBFG 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 SBFG compare
Eagle Financial Services is the larger company, worth 1.4 times as much as SB Financial ($249M against $183M).
On earnings, SB Financial is cheaper: it trades at 11.0× trailing earnings, against 13.9× for Eagle Financial Services.
Eagle Financial Services grew revenue faster over the last twelve months (30.5% versus 8.2% for SB Financial).
SB Financial keeps more of each dollar of sales as profit, with a net margin of 23.8% compared with 19.6% at Eagle Financial Services.
Both pay dividends: Eagle Financial Services yields 2.7% and SB Financial 2.7%.
SB Financial scores higher on the StockData Score (13 against 10 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 | SBFG |
|---|---|---|
| Size and price | ||
| Market cap | $249M | $183M |
| Share price | $46.01 | $29.21 |
| Change, 1 year | 27.4% | 40.6% |
| Change, 5 years | 29.6% | 53.4% |
| Beta (5Y) | 0.11 | 0.34 |
| Employees | 254 | 246 |
| StockData Score | ||
| Total score | 10 | 13 (better) |
| Valuation score | 2 | 3 (better) |
| Growth score | 3 (better) | 1 |
| Performance score | 0 | 3 (better) |
| Health score | 1 | 3 (better) |
| Dividend score | 4 (better) | 3 |
| Valuation | ||
| P/E | 13.9× | 11.0× (better) |
| P/S | 2.7× | 2.6× (better) |
| P/B | 1.3× | 1.3× (better) |
| P/FCF | 9.7× | 9.5× (better) |
| PEG | – | 1.49 |
| FCF yield | 10.3% | 10.6% (better) |
| Fair value | $40.37 | $26.99 |
| Margin of safety | −14.0% | −8.2% (better) |
| Growth | ||
| Revenue growth (TTM) | 30.5% (better) | 8.2% |
| Revenue growth, 5Y average | 9.5% (better) | −0.29% |
| Net income growth (TTM) | 76.9% (better) | 21.7% |
| EPS growth (TTM) | 48.0% (better) | 25.5% |
| EPS growth, 5Y average | −13.4% | 2.2% (better) |
| Profitability | ||
| Net margin | 19.6% | 23.8% (better) |
| FCF margin | 28.2% (better) | 27.6% |
| Return on equity | 9.3% | 11.8% (better) |
| Financial health | ||
| Debt / equity | – | 0.04 |
| Altman Z-score | 0.23 | 0.24 (better) |
| Piotroski F-score | 4 | 7 (better) |
| Dividends and buybacks | ||
| Dividend yield | 2.7% | 2.7% (better) |
| Payout ratio | 37.6% | 23.7% |
| Years of dividend growth | 16 (better) | 3 |
| Dividend growth, 5Y average | 3.6% | 8.4% (better) |
| Buyback yield | – | 1.2% |
| Shareholder yield | 2.7% | 3.9% (better) |
| Ownership | ||
| Held by institutions | 45.1% | 51.3% |
| Held by insiders | 10.3% | 6.1% |
| Insider net buying, 12 months | $114K (better) | −$143K |
| Short interest, % of float | 2.5% | 0.24% |
Go deeper
- EFSI stock overview
- EFSI income statement
- EFSI valuation and score
- SBFG stock overview
- SBFG income statement
- SBFG valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.