Eagle Financial Services (EFSI) Competitors $33.49 -0.49 (-1.44%) As of 07/24/2025 04:00 PM Eastern Add Compare Share Share Competitors Stock AnalysisAnalyst ForecastsChartCompetitorsDividendEarningsHeadlinesInsider TradesOwnershipSEC FilingsTrendsBuy This Stock EFSI vs. IBCP, BTBT, VEL, FSBC, ORRF, SMBC, SPFI, SMBK, FUFU, and CBNKShould you be buying Eagle Financial Services stock or one of its competitors? The main competitors of Eagle Financial Services include Independent Bank (IBCP), Bit Digital (BTBT), Velocity Financial (VEL), Five Star Bancorp (FSBC), Orrstown Financial Services (ORRF), Southern Missouri Bancorp (SMBC), South Plains Financial (SPFI), SmartFinancial (SMBK), BitFuFu (FUFU), and Capital Bancorp (CBNK). These companies are all part of the "banking" industry. Eagle Financial Services vs. Its Competitors Independent Bank Bit Digital Velocity Financial Five Star Bancorp Orrstown Financial Services Southern Missouri Bancorp South Plains Financial SmartFinancial BitFuFu Capital Bancorp Independent Bank (NASDAQ:IBCP) and Eagle Financial Services (NASDAQ:EFSI) are both small-cap finance companies, but which is the better business? We will compare the two businesses based on the strength of their earnings, media sentiment, profitability, dividends, analyst recommendations, risk, valuation and institutional ownership. Does the media favor IBCP or EFSI? In the previous week, Independent Bank had 6 more articles in the media than Eagle Financial Services. MarketBeat recorded 10 mentions for Independent Bank and 4 mentions for Eagle Financial Services. Eagle Financial Services' average media sentiment score of 1.22 beat Independent Bank's score of 0.70 indicating that Eagle Financial Services is being referred to more favorably in the news media. Company Very Positive Positive Neutral Negative Very Negative Overall Sentiment Independent Bank 0 Very Positive mention(s) 2 Positive mention(s) 5 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Positive Eagle Financial Services 0 Very Positive mention(s) 0 Positive mention(s) 2 Neutral mention(s) 0 Negative mention(s) 0 Very Negative mention(s) Positive Is IBCP or EFSI a better dividend stock? Independent Bank pays an annual dividend of $1.04 per share and has a dividend yield of 3.2%. Eagle Financial Services pays an annual dividend of $1.24 per share and has a dividend yield of 3.7%. Independent Bank pays out 33.1% of its earnings in the form of a dividend. Eagle Financial Services pays out 59.9% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Independent Bank has raised its dividend for 11 consecutive years and Eagle Financial Services has raised its dividend for 14 consecutive years. Eagle Financial Services is clearly the better dividend stock, given its higher yield and longer track record of dividend growth. Which has more risk and volatility, IBCP or EFSI? Independent Bank has a beta of 0.84, meaning that its share price is 16% less volatile than the S&P 500. Comparatively, Eagle Financial Services has a beta of 0.27, meaning that its share price is 73% less volatile than the S&P 500. Which has stronger valuation & earnings, IBCP or EFSI? Independent Bank has higher revenue and earnings than Eagle Financial Services. Independent Bank is trading at a lower price-to-earnings ratio than Eagle Financial Services, indicating that it is currently the more affordable of the two stocks. CompanyGross RevenuePrice/Sales RatioNet IncomeEarnings Per SharePrice/Earnings RatioIndependent Bank$216.85M3.14$66.79M$3.1410.46Eagle Financial Services$112.88M1.60$15.34M$2.0716.18 Is IBCP or EFSI more profitable? Independent Bank has a net margin of 20.62% compared to Eagle Financial Services' net margin of 5.68%. Independent Bank's return on equity of 14.71% beat Eagle Financial Services' return on equity.Company Net Margins Return on Equity Return on Assets Independent Bank20.62% 14.71% 1.25% Eagle Financial Services 5.68%9.57%0.67% Do analysts recommend IBCP or EFSI? Independent Bank presently has a consensus price target of $36.67, indicating a potential upside of 11.65%. Eagle Financial Services has a consensus price target of $40.00, indicating a potential upside of 19.44%. Given Eagle Financial Services' stronger consensus rating and higher possible upside, analysts clearly believe Eagle Financial Services is more favorable than Independent Bank.Company Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score Independent Bank 0 Sell rating(s) 3 Hold rating(s) 0 Buy rating(s) 0 Strong Buy rating(s) 2.00Eagle Financial Services 0 Sell rating(s) 0 Hold rating(s) 2 Buy rating(s) 0 Strong Buy rating(s) 3.00 Do insiders & institutionals have more ownership in IBCP or EFSI? 79.4% of Independent Bank shares are owned by institutional investors. Comparatively, 0.3% of Eagle Financial Services shares are owned by institutional investors. 5.7% of Independent Bank shares are owned by company insiders. Comparatively, 8.7% of Eagle Financial Services shares are owned by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock is poised for long-term growth. SummaryIndependent Bank beats Eagle Financial Services on 11 of the 19 factors compared between the two stocks. Get Eagle Financial Services News Delivered to You Automatically Sign up to receive the latest news and ratings for EFSI and its competitors with MarketBeat's FREE daily newsletter. Email Address New MarketBeat Followers Over TimeWhat are MarkeBeat Followers?This chart shows the number of new MarketBeat users adding EFSI and its top 5 competitors to their watchlist. Each company is represented with a line over a 90 day period. Skip ChartMedia Sentiment Over TimeWhat is Media Sentiment?This chart shows the average media sentiment of NASDAQ and its competitors over the past 90 days as caculated by MarketBeat. The averaged score is equivalent to the following: Very Negative Sentiment <= -1.5, Negative Sentiment > -1.5 and <= -0.5, Neutral Sentiment > -0.5 and < 0.5, Positive Sentiment >= 0.5 and < 1.5, and Very Positive Sentiment >= 1.5.Skip Chart EFSI vs. The Competition Export to ExcelMetricEagle Financial ServicesBANKS IndustryFinance SectorNASDAQ ExchangeMarket Cap$182.76M$2.03B$12.31B$9.47BDividend Yield3.65%2.58%5.53%3.99%P/E Ratio16.1812.2819.0619.95Price / Sales1.602.5526.22100.93Price / Cash8.3912.7421.8458.97Price / Book0.981.212.275.90Net Income$15.34M$154.64M$998.01M$258.42M7 Day Performance-0.15%-0.05%0.88%2.11%1 Month Performance12.61%6.52%4.39%12.44%1 Year PerformanceN/A13.90%540.85%19.55% Eagle Financial Services Competitors List Export to ExcelCompanyMarketRankShare PriceAnalysts' Price Target1Y Price PerformanceMarket CapRevenueP/E RatioEmployee CountIndicator(s)EFSIEagle Financial Services2.8535 of 5 stars$33.49-1.4%$40.00+19.4%N/A$182.76M$112.88M16.18230News CoverageEarnings ReportIBCPIndependent Bank3.9597 of 5 stars$33.47-2.8%$36.67+9.6%-1.2%$693.50M$323.14M10.66920News CoverageDividend AnnouncementGap DownBTBTBit Digital3.0491 of 5 stars$3.29flat$6.33+92.5%-16.5%$686.06M$108.05M-7.0010High Trading VolumeVELVelocity Financial2.5548 of 5 stars$17.67-2.8%$21.33+20.7%-7.9%$644.81M$224.07M9.11220Upcoming EarningsFSBCFive Star Bancorp4.425 of 5 stars$30.03-1.8%$35.00+16.6%+4.6%$640.54M$213.40M13.17180News CoverageEarnings ReportORRFOrrstown Financial Services4.6061 of 5 stars$32.72-2.5%$38.50+17.7%+4.4%$638.30M$216.96M16.69430Trending NewsEarnings ReportDividend IncreaseAnalyst ForecastSMBCSouthern Missouri Bancorp4.0468 of 5 stars$55.43-3.4%$66.33+19.7%+12.5%$626.36M$177.85M11.13540News CoveragePositive NewsEarnings ReportDividend IncreaseHigh Trading VolumeSPFISouth Plains Financial4.3467 of 5 stars$36.63-2.7%$41.50+13.3%+21.3%$594.51M$288.97M12.21680High Trading VolumeSMBKSmartFinancial3.1819 of 5 stars$34.93-3.0%$33.70-3.5%+28.8%$594.44M$178.24M16.32550Trending NewsEarnings ReportDividend AnnouncementAnalyst ForecastFUFUBitFuFu3.0196 of 5 stars$3.63-3.7%$6.25+72.2%-22.0%$592.09M$463.33M181.5929CBNKCapital Bancorp4.1805 of 5 stars$34.52-3.3%$34.50-0.1%+36.6%$575M$201.34M13.92270Upcoming Earnings Related Companies and Tools Related Companies Independent Bank Competitors Bit Digital Competitors Velocity Financial Competitors Five Star Bancorp Competitors Orrstown Financial Services Competitors Southern Missouri Bancorp Competitors South Plains Financial Competitors SmartFinancial Competitors BitFuFu Competitors Capital Bancorp Competitors Top 10 Stock Comparisons Semiconductor Stocks Artificial Intelligence Stocks Growth Stocks Magnificent Seven Stocks Pharmaceutical Stocks Ecommerce Stocks Bitcoin Stocks Meme Stocks Cryptocurrency Stocks Cybersecurity Stocks This page (NASDAQ:EFSI) was last updated on 7/25/2025 by MarketBeat.com Staff From Our PartnersINVESTOR ALERT: Tiny “$3 AI Wonder Stock” on the Verge of Blasting OffRight now, we’re witnessing a monumental shift in the world.Traders Agency | SponsoredMarket Panic: Trump Just Dropped a Bomb on Your Stockstock Market Panic: Trump Just Dropped a Bomb on Your Stocks The market is in freefall—and Trump's new tarif...American Alternative | SponsoredGoogle did what!?!?A new technology has sparked a modern-day gold rush in Silicon Valley. 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