EFSI
Eagle Financial Services, Inc.
Banks - Regional
Market Cap$233M
5Y Perf.+67.8%
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Side-by-side financial analysisEFSI
MNSB
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Stock Comparison
EFSI vs MNSB
Revenue, margins, valuation, and 5-year total return — side by side.
MNSB
MainStreet Bancshares, Inc.
Banks - Regional
Market Cap$184M
5Y Perf.+88.9%
EFSI vs MNSB — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot |  EFSI |  MNSB |
|---|---|---|
| Industry | Banks - Regional | Banks - Regional |
| Market Cap | $233M | $184M |
| Revenue (TTM) | $105M | $135M |
| Net Income (TTM) | $8M | $16M |
| Gross Margin | 61.6% | 54.3% |
| Operating Margin | 9.5% | 14.1% |
| Forward P/E | 13.0x | 11.0x |
| Total Debt | $70M | $70M |
| Cash & Equiv. | $14M | $26M |
EFSI vs MNSB — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
EFSI
MNSB
| Stock | Jun 20 | Jun 26 | Return |
|---|---|---|---|
| Eagle Financial Ser… (EFSI) | 100 | 167.8 | +67.8% |
| MainStreet Bancshar… (MNSB) | 100 | 188.9 | +88.9% |
Price return only. Dividends and distributions are not included.
Quick Verdict: EFSI vs MNSB
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: MNSB leads in 4 of 7 categories, making it the strongest pick for valuation and capital efficiency and profitability and margin quality. Eagle Financial Services, Inc. is the stronger pick specifically for growth and revenue expansion and dividend income and shareholder returns. As sector peers, any of these can serve as alternatives in the same allocation.
🥇MNSB emerged as the overall leader. Track its performance:
EFSI
Eagle Financial Services, Inc.
The Banking Pick
EFSI is the clearest fit if your priority is income & stability and growth exposure.
- Dividend streak 23 yrs, beta 0.61, yield 2.6%
- Rev growth -1.3%, EPS growth -63.2%
- Beta 0.61, yield 2.6%, current ratio 0.09x
Best for: income & stability and growth exposure
MNSB
MainStreet Bancshares, Inc.
The Banking Pick
MNSB carries the broadest edge in this set and is the clearest fit for long-term compounding and sleep-well-at-night.
- 135.4% 10Y total return vs EFSI's 132.4%
- Lower volatility, beta 0.60, Low D/E 32.0%, current ratio 0.02x
- Lower P/E (11.0x vs 13.0x)
Best for: long-term compounding and sleep-well-at-night
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth |  EFSI | -1.3% NII/revenue growth vs MNSB's -1.4% |
| Value |  MNSB | Lower P/E (11.0x vs 13.0x) |
| Quality / Margins | MNSB | Efficiency ratio 0.4% vs EFSI's 0.5% (lower = leaner) |
| Stability / Safety | MNSB | Beta 0.60 vs EFSI's 0.61, lower leverage |
| Dividends | EFSI | 2.6% yield, 23-year raise streak, vs MNSB's 1.6% |
| Momentum (1Y) | EFSI | +47.1% vs MNSB's +37.2% |
| Efficiency (ROA) | MNSB | Efficiency ratio 0.4% vs EFSI's 0.5% |
EFSI vs MNSB — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2025
FY 2025
EFSI vs MNSB — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLMNSBLAGGINGEFSI
EFSIEagle Financial Servi…
2leads
MNSBMainStreet Bancshares…
4leads
6 Total Categories
CATEGORYLEADERvs EFSIMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
MNSB4/5
Valuation MetricsMultiples, price ratios, and targets
MNSB5/6
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
MNSB7/8
Total Returns1Y, 3Y, 5Y total returns with dividends
EFSI4/6
Risk & VolatilityBeta, volatility, and downside exposure
MNSB2/2
Analyst OutlookRatings, price targets, and dividends
EFSI2/2
Income & Cash Flow (Last 12 Months)
MNSB leads this category, winning 4 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
MNSB and EFSI operate at a comparable scale, with $135M and $105M in trailing revenue. Profitability is closely matched — net margins range from 11.5% (MNSB) to 7.9% (EFSI).
| Metric | EFSIEagle Financial S… | MNSBMainStreet Bancsh… |
|---|---|---|
| RevenueTrailing 12 months | $105M | $135M |
| EBITDAEarnings before interest/tax | $11M | $23M |
| Net IncomeAfter-tax profit | $8M | $16M |
| Free Cash FlowCash after capex | -$3M | $11M |
| Gross MarginGross profit ÷ Revenue | +61.6% | +54.3% |
| Operating MarginEBIT ÷ Revenue | +9.5% | +14.1% |
| Net MarginNet income ÷ Revenue | +7.9% | +11.5% |
| FCF MarginFCF ÷ Revenue | -2.4% | +7.9% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | -53.4% | +120.9% |
MNSB leads this category, winning 4 of 5 comparable metrics.
Valuation Metrics
MNSB leads this category, winning 5 of 6 comparable metrics.
Valuation Metrics
At 14.2x trailing earnings, MNSB trades at a 48% valuation discount to EFSI's 27.1x P/E. On an enterprise value basis, MNSB's 11.9x EV/EBITDA is more attractive than EFSI's 29.1x.
| Metric | EFSIEagle Financial S… | MNSBMainStreet Bancsh… |
|---|---|---|
| Market CapShares × price | $233M | $184M |
| Enterprise ValueMkt cap + debt − cash | $289M | $227M |
| Trailing P/EPrice ÷ TTM EPS | 27.13x | 14.16x |
| Forward P/EPrice ÷ next-FY EPS est. | 13.00x | 11.03x |
| PEG RatioP/E ÷ EPS growth rate | — | — |
| EV / EBITDAEnterprise value multiple | 29.13x | 11.90x |
| Price / SalesMarket cap ÷ Revenue | 2.23x | 1.35x |
| Price / BookPrice ÷ Book value/share | 1.23x | 0.87x |
| Price / FCFMarket cap ÷ FCF | 8.82x | 17.26x |
MNSB leads this category, winning 5 of 6 comparable metrics.
Profitability & Efficiency
MNSB leads this category, winning 7 of 8 comparable metrics.
Profitability & Efficiency
MNSB delivers a 7.3% return on equity — every $100 of shareholder capital generates $7 in annual profit, vs $4 for EFSI. MNSB carries lower financial leverage with a 0.32x debt-to-equity ratio, signaling a more conservative balance sheet compared to EFSI's 0.37x.
| Metric | EFSIEagle Financial S… | MNSBMainStreet Bancsh… |
|---|---|---|
| ROE (TTM)Return on equity | +4.5% | +7.3% |
| ROA (TTM)Return on assets | +0.4% | +0.7% |
| ROICReturn on invested capital | +2.8% | +5.0% |
| ROCEReturn on capital employed | +3.6% | +6.0% |
| Piotroski ScoreFundamental quality 0–9 | 5 | 5 |
| Debt / EquityFinancial leverage | 0.37x | 0.32x |
| Net DebtTotal debt minus cash | $56M | $43M |
| Cash & Equiv.Liquid assets | $14M | $26M |
| Total DebtShort + long-term debt | $70M | $70M |
| Interest CoverageEBIT ÷ Interest expense | 0.27x | 0.31x |
MNSB leads this category, winning 7 of 8 comparable metrics.
Total Returns (Dividends Reinvested)
EFSI leads this category, winning 4 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in EFSI five years ago would be worth $14,235 today (with dividends reinvested), compared to $11,813 for MNSB. Over the past 12 months, EFSI leads with a +47.1% total return vs MNSB's +37.2%. The 3-year compound annual growth rate (CAGR) favors EFSI at 14.3% vs MNSB's 4.2% — a key indicator of consistent wealth creation.
| Metric | EFSIEagle Financial S… | MNSBMainStreet Bancsh… |
|---|---|---|
| YTD ReturnYear-to-date | +10.9% | +26.5% |
| 1-Year ReturnPast 12 months | +47.1% | +37.2% |
| 3-Year ReturnCumulative with dividends | +49.3% | +13.1% |
| 5-Year ReturnCumulative with dividends | +42.3% | +18.1% |
| 10-Year ReturnCumulative with dividends | +132.4% | +135.4% |
| CAGR (3Y)Annualised 3-year return | +14.3% | +4.2% |
EFSI leads this category, winning 4 of 6 comparable metrics.
Risk & Volatility
MNSB leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
MNSB is the less volatile stock with a 0.60 beta — it tends to amplify market swings less than EFSI's 0.61 beta. A beta below 1.0 means the stock typically moves less than the S&P 500.
| Metric | EFSIEagle Financial S… | MNSBMainStreet Bancsh… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.61x | 0.60x |
| 52-Week HighHighest price in past year | $43.98 | $25.17 |
| 52-Week LowLowest price in past year | $28.70 | $17.86 |
| % of 52W HighCurrent price vs 52-week peak | +98.1% | +99.0% |
| RSI (14)Momentum oscillator 0–100 | 78.6 | 65.3 |
| Avg Volume (50D)Average daily shares traded | 21K | 45K |
MNSB leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
EFSI leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Wall Street rates EFSI as "Buy" and MNSB as "Hold". For income investors, EFSI offers the higher dividend yield at 2.64% vs MNSB's 1.60%.
| Metric | EFSIEagle Financial S… | MNSBMainStreet Bancsh… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Hold |
| Price TargetConsensus 12-month target | $43.00 | — |
| # AnalystsCovering analysts | 3 | 1 |
| Dividend YieldAnnual dividend ÷ price | +2.6% | +1.6% |
| Dividend StreakConsecutive years of raises | 23 | 0 |
| Dividend / ShareAnnual DPS | $1.14 | $0.40 |
| Buyback YieldShare repurchases ÷ mkt cap | +0.1% | +2.4% |
EFSI leads this category, winning 2 of 2 comparable metrics.
Key Takeaway
MNSB leads in 4 of 6 categories (Income & Cash Flow, Valuation Metrics). EFSI leads in 2 (Total Returns, Analyst Outlook).
Best OverallMainStreet Bancshares, Inc. (MNSB)Leads 4 of 6 categories
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EFSI vs MNSB: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is EFSI or MNSB a better buy right now?
For growth investors, Eagle Financial Services, Inc.
(EFSI) is the stronger pick with -1. 3% revenue growth year-over-year, versus -1. 4% for MainStreet Bancshares, Inc. (MNSB). MainStreet Bancshares, Inc. (MNSB) offers the better valuation at 14. 2x trailing P/E (11. 0x forward), making it the more compelling value choice. Analysts rate Eagle Financial Services, Inc. (EFSI) a "Buy" — based on 3 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — EFSI or MNSB?
On trailing P/E, MainStreet Bancshares, Inc.
(MNSB) is the cheapest at 14. 2x versus Eagle Financial Services, Inc. at 27. 1x. On forward P/E, MainStreet Bancshares, Inc. is actually cheaper at 11. 0x.
03Which is the better long-term investment — EFSI or MNSB?
Over the past 5 years, Eagle Financial Services, Inc.
(EFSI) delivered a total return of +42. 3%, compared to +18. 1% for MainStreet Bancshares, Inc. (MNSB). Over 10 years, the gap is even starker: MNSB returned +135. 4% versus EFSI's +132. 4%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — EFSI or MNSB?
By beta (market sensitivity over 5 years), MainStreet Bancshares, Inc.
(MNSB) is the lower-risk stock at 0. 60β versus Eagle Financial Services, Inc. 's 0. 61β — meaning EFSI is approximately 2% more volatile than MNSB relative to the S&P 500. On balance sheet safety, MainStreet Bancshares, Inc. (MNSB) carries a lower debt/equity ratio of 32% versus 37% for Eagle Financial Services, Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — EFSI or MNSB?
By revenue growth (latest reported year), Eagle Financial Services, Inc.
(EFSI) is pulling ahead at -1. 3% versus -1. 4% for MainStreet Bancshares, Inc. (MNSB). On earnings-per-share growth, the picture is similar: MainStreet Bancshares, Inc. grew EPS 210. 0% year-over-year, compared to -63. 2% for Eagle Financial Services, Inc.. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — EFSI or MNSB?
MainStreet Bancshares, Inc.
(MNSB) is the more profitable company, earning 11. 5% net margin versus 7. 9% for Eagle Financial Services, Inc. — meaning it keeps 11. 5% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: MNSB leads at 14. 0% versus 9. 5% for EFSI. At the gross margin level — before operating expenses — EFSI leads at 61. 6%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is EFSI or MNSB more undervalued right now?
On forward earnings alone, MainStreet Bancshares, Inc.
(MNSB) trades at 11. 0x forward P/E versus 13. 0x for Eagle Financial Services, Inc. — 2. 0x cheaper on a one-year earnings basis.
08Which pays a better dividend — EFSI or MNSB?
All stocks in this comparison pay dividends.
Eagle Financial Services, Inc. (EFSI) offers the highest yield at 2. 6%, versus 1. 6% for MainStreet Bancshares, Inc. (MNSB).
09Is EFSI or MNSB better for a retirement portfolio?
For long-horizon retirement investors, MainStreet Bancshares, Inc.
(MNSB) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 60), 1. 6% yield, +135. 4% 10Y return). Both have compounded well over 10 years (MNSB: +135. 4%, EFSI: +132. 4%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between EFSI and MNSB?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
In terms of investment character: EFSI is a small-cap quality compounder stock; MNSB is a small-cap deep-value stock. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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