EFSI
Eagle Financial Services, Inc.
Banks - Regional
Market Cap$233M
5Y Perf.+67.8%
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FUNC
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Stock Comparison
EFSI vs FUNC
Revenue, margins, valuation, and 5-year total return — side by side.
FUNC
First United Corporation
Banks - Regional
Market Cap$272M
5Y Perf.+213.9%
EFSI vs FUNC — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot |  EFSI |  FUNC |
|---|---|---|
| Industry | Banks - Regional | Banks - Regional |
| Market Cap | $233M | $272M |
| Revenue (TTM) | $105M | $120M |
| Net Income (TTM) | $8M | $25M |
| Gross Margin | 61.6% | 70.3% |
| Operating Margin | 9.5% | 27.2% |
| Forward P/E | 13.0x | 9.7x |
| Total Debt | $70M | $115M |
| Cash & Equiv. | $14M | $132M |
EFSI vs FUNC — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
EFSI
FUNC
| Stock | Jun 20 | Jun 26 | Return |
|---|---|---|---|
| Eagle Financial Ser… (EFSI) | 100 | 167.8 | +67.8% |
| First United Corpor… (FUNC) | 100 | 313.9 | +213.9% |
Price return only. Dividends and distributions are not included.
Quick Verdict: EFSI vs FUNC
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: EFSI leads in 4 of 7 categories, making it the strongest pick for valuation and capital efficiency and capital preservation and lower volatility. First United Corporation is the stronger pick specifically for growth and revenue expansion and profitability and margin quality. As sector peers, any of these can serve as alternatives in the same allocation.
🥇EFSI emerged as the overall leader. Track its performance:
EFSI
Eagle Financial Services, Inc.
The Banking Pick
EFSI carries the broadest edge in this set and is the clearest fit for income & stability and sleep-well-at-night.
- Dividend streak 23 yrs, beta 0.61, yield 2.6%
- Lower volatility, beta 0.61, Low D/E 36.8%, current ratio 0.09x
- Beta 0.61, yield 2.6%, current ratio 0.09x
Best for: income & stability and sleep-well-at-night
FUNC
First United Corporation
The Banking Pick
FUNC is the clearest fit if your priority is growth exposure and long-term compounding.
- Rev growth 6.6%, EPS growth 19.7%
- 361.3% 10Y total return vs EFSI's 132.4%
- 6.6% NII/revenue growth vs EFSI's -1.3%
Best for: growth exposure and long-term compounding
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth |  FUNC | 6.6% NII/revenue growth vs EFSI's -1.3% |
| Value |  EFSI | Better valuation composite |
| Quality / Margins | FUNC | Efficiency ratio 0.4% vs EFSI's 0.5% (lower = leaner) |
| Stability / Safety | EFSI | Beta 0.61 vs FUNC's 0.67, lower leverage |
| Dividends | EFSI | 2.6% yield, 23-year raise streak, vs FUNC's 2.2% |
| Momentum (1Y) | EFSI | +47.1% vs FUNC's +44.4% |
| Efficiency (ROA) | FUNC | Efficiency ratio 0.4% vs EFSI's 0.5% |
EFSI vs FUNC — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2025
FY 2025
EFSI vs FUNC — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLFUNCLAGGINGEFSI
EFSIEagle Financial Servi…
1leads
FUNCFirst United Corporat…
3leads
6 Total Categories
CATEGORYLEADERvs EFSIMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
FUNC5/5
Valuation MetricsMultiples, price ratios, and targets
Tied
—
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
FUNC7/9
Total Returns1Y, 3Y, 5Y total returns with dividends
FUNC5/6
Risk & VolatilityBeta, volatility, and downside exposure
Tied
—
Analyst OutlookRatings, price targets, and dividends
EFSI2/2
Income & Cash Flow (Last 12 Months)
FUNC leads this category, winning 5 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
FUNC and EFSI operate at a comparable scale, with $120M and $105M in trailing revenue. FUNC is the more profitable business, keeping 20.5% of every revenue dollar as net income compared to EFSI's 7.9%.
| Metric | EFSIEagle Financial S… | FUNCFirst United Corp… |
|---|---|---|
| RevenueTrailing 12 months | $105M | $120M |
| EBITDAEarnings before interest/tax | $11M | $35M |
| Net IncomeAfter-tax profit | $8M | $25M |
| Free Cash FlowCash after capex | -$3M | $16M |
| Gross MarginGross profit ÷ Revenue | +61.6% | +70.3% |
| Operating MarginEBIT ÷ Revenue | +9.5% | +27.2% |
| Net MarginNet income ÷ Revenue | +7.9% | +20.5% |
| FCF MarginFCF ÷ Revenue | -2.4% | +13.1% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | -53.4% | +20.2% |
FUNC leads this category, winning 5 of 5 comparable metrics.
Valuation Metrics
Evenly matched — EFSI and FUNC each lead in 3 of 6 comparable metrics.
Valuation Metrics
At 11.1x trailing earnings, FUNC trades at a 59% valuation discount to EFSI's 27.1x P/E. On an enterprise value basis, FUNC's 7.8x EV/EBITDA is more attractive than EFSI's 29.1x.
| Metric | EFSIEagle Financial S… | FUNCFirst United Corp… |
|---|---|---|
| Market CapShares × price | $233M | $272M |
| Enterprise ValueMkt cap + debt − cash | $289M | $255M |
| Trailing P/EPrice ÷ TTM EPS | 27.13x | 11.11x |
| Forward P/EPrice ÷ next-FY EPS est. | 13.00x | 9.66x |
| PEG RatioP/E ÷ EPS growth rate | — | 0.85x |
| EV / EBITDAEnterprise value multiple | 29.13x | 7.85x |
| Price / SalesMarket cap ÷ Revenue | 2.23x | 2.28x |
| Price / BookPrice ÷ Book value/share | 1.23x | 1.34x |
| Price / FCFMarket cap ÷ FCF | 8.82x | 17.67x |
Evenly matched — EFSI and FUNC each lead in 3 of 6 comparable metrics.
Profitability & Efficiency
FUNC leads this category, winning 7 of 9 comparable metrics.
Profitability & Efficiency
FUNC delivers a 12.6% return on equity — every $100 of shareholder capital generates $13 in annual profit, vs $4 for EFSI. EFSI carries lower financial leverage with a 0.37x debt-to-equity ratio, signaling a more conservative balance sheet compared to FUNC's 0.56x. On the Piotroski fundamental quality scale (0–9), FUNC scores 7/9 vs EFSI's 5/9, reflecting strong financial health.
| Metric | EFSIEagle Financial S… | FUNCFirst United Corp… |
|---|---|---|
| ROE (TTM)Return on equity | +4.5% | +12.6% |
| ROA (TTM)Return on assets | +0.4% | +1.2% |
| ROICReturn on invested capital | +2.8% | +7.1% |
| ROCEReturn on capital employed | +3.6% | +9.8% |
| Piotroski ScoreFundamental quality 0–9 | 5 | 7 |
| Debt / EquityFinancial leverage | 0.37x | 0.56x |
| Net DebtTotal debt minus cash | $56M | -$17M |
| Cash & Equiv.Liquid assets | $14M | $132M |
| Total DebtShort + long-term debt | $70M | $115M |
| Interest CoverageEBIT ÷ Interest expense | 0.27x | 0.99x |
FUNC leads this category, winning 7 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
FUNC leads this category, winning 5 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in FUNC five years ago would be worth $24,187 today (with dividends reinvested), compared to $14,235 for EFSI. Over the past 12 months, EFSI leads with a +47.1% total return vs FUNC's +44.4%. The 3-year compound annual growth rate (CAGR) favors FUNC at 43.0% vs EFSI's 14.3% — a key indicator of consistent wealth creation.
| Metric | EFSIEagle Financial S… | FUNCFirst United Corp… |
|---|---|---|
| YTD ReturnYear-to-date | +10.9% | +14.3% |
| 1-Year ReturnPast 12 months | +47.1% | +44.4% |
| 3-Year ReturnCumulative with dividends | +49.3% | +192.2% |
| 5-Year ReturnCumulative with dividends | +42.3% | +141.9% |
| 10-Year ReturnCumulative with dividends | +132.4% | +361.3% |
| CAGR (3Y)Annualised 3-year return | +14.3% | +43.0% |
FUNC leads this category, winning 5 of 6 comparable metrics.
Risk & Volatility
Evenly matched — EFSI and FUNC each lead in 1 of 2 comparable metrics.
Risk & Volatility
EFSI is the less volatile stock with a 0.61 beta — it tends to amplify market swings less than FUNC's 0.67 beta. A beta below 1.0 means the stock typically moves less than the S&P 500.
| Metric | EFSIEagle Financial S… | FUNCFirst United Corp… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.61x | 0.67x |
| 52-Week HighHighest price in past year | $43.98 | $42.35 |
| 52-Week LowLowest price in past year | $28.70 | $28.00 |
| % of 52W HighCurrent price vs 52-week peak | +98.1% | +98.9% |
| RSI (14)Momentum oscillator 0–100 | 78.6 | 71.6 |
| Avg Volume (50D)Average daily shares traded | 21K | 13K |
Evenly matched — EFSI and FUNC each lead in 1 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 FUNC as "Buy". Consensus price targets imply -0.3% upside for EFSI (target: $43) vs -40.3% for FUNC (target: $25). For income investors, EFSI offers the higher dividend yield at 2.64% vs FUNC's 2.19%.
| Metric | EFSIEagle Financial S… | FUNCFirst United Corp… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Buy |
| Price TargetConsensus 12-month target | $43.00 | $25.00 |
| # AnalystsCovering analysts | 3 | 1 |
| Dividend YieldAnnual dividend ÷ price | +2.6% | +2.2% |
| Dividend StreakConsecutive years of raises | 23 | 7 |
| Dividend / ShareAnnual DPS | $1.14 | $0.92 |
| Buyback YieldShare repurchases ÷ mkt cap | +0.1% | 0.0% |
EFSI leads this category, winning 2 of 2 comparable metrics.
Key Takeaway
FUNC leads in 3 of 6 categories (Income & Cash Flow, Profitability & Efficiency). EFSI leads in 1 (Analyst Outlook). 2 tied.
Best OverallFirst United Corporation (FUNC)Leads 3 of 6 categories
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EFSI vs FUNC: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is EFSI or FUNC a better buy right now?
For growth investors, First United Corporation (FUNC) is the stronger pick with 6.
6% revenue growth year-over-year, versus -1. 3% for Eagle Financial Services, Inc. (EFSI). First United Corporation (FUNC) offers the better valuation at 11. 1x trailing P/E (9. 7x 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 FUNC?
On trailing P/E, First United Corporation (FUNC) is the cheapest at 11.
1x versus Eagle Financial Services, Inc. at 27. 1x. On forward P/E, First United Corporation is actually cheaper at 9. 7x.
03Which is the better long-term investment — EFSI or FUNC?
Over the past 5 years, First United Corporation (FUNC) delivered a total return of +141.
9%, compared to +42. 3% for Eagle Financial Services, Inc. (EFSI). Over 10 years, the gap is even starker: FUNC returned +361. 3% 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 FUNC?
By beta (market sensitivity over 5 years), Eagle Financial Services, Inc.
(EFSI) is the lower-risk stock at 0. 61β versus First United Corporation's 0. 67β — meaning FUNC is approximately 9% more volatile than EFSI relative to the S&P 500. On balance sheet safety, Eagle Financial Services, Inc. (EFSI) carries a lower debt/equity ratio of 37% versus 56% for First United Corporation — giving it more financial flexibility in a downturn.
05Which is growing faster — EFSI or FUNC?
By revenue growth (latest reported year), First United Corporation (FUNC) is pulling ahead at 6.
6% versus -1. 3% for Eagle Financial Services, Inc. (EFSI). On earnings-per-share growth, the picture is similar: First United Corporation grew EPS 19. 7% 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 FUNC?
First United Corporation (FUNC) is the more profitable company, earning 20.
6% net margin versus 7. 9% for Eagle Financial Services, Inc. — meaning it keeps 20. 6% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: FUNC leads at 27. 3% versus 9. 5% for EFSI. At the gross margin level — before operating expenses — FUNC leads at 70. 2%, 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 FUNC more undervalued right now?
On forward earnings alone, First United Corporation (FUNC) trades at 9.
7x forward P/E versus 13. 0x for Eagle Financial Services, Inc. — 3. 3x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for EFSI: -0. 3% to $43. 00.
08Which pays a better dividend — EFSI or FUNC?
All stocks in this comparison pay dividends.
Eagle Financial Services, Inc. (EFSI) offers the highest yield at 2. 6%, versus 2. 2% for First United Corporation (FUNC).
09Is EFSI or FUNC better for a retirement portfolio?
For long-horizon retirement investors, First United Corporation (FUNC) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0.
67), 2. 2% yield, +361. 3% 10Y return). Both have compounded well over 10 years (FUNC: +361. 3%, 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 FUNC?
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; FUNC 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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