EFSI
Eagle Financial Services, Inc.
Banks - Regional
Market Cap$233M
5Y Perf.+67.8%
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NBTB
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Stock Comparison
EFSI vs NBTB
Revenue, margins, valuation, and 5-year total return — side by side.
NBTB
NBT Bancorp Inc.
Banks - Regional
Market Cap$2.52B
5Y Perf.+56.6%
EFSI vs NBTB — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot |  EFSI |  NBTB |
|---|---|---|
| Industry | Banks - Regional | Banks - Regional |
| Market Cap | $233M | $2.52B |
| Revenue (TTM) | $105M | $902M |
| Net Income (TTM) | $8M | $169M |
| Gross Margin | 61.6% | 73.6% |
| Operating Margin | 9.5% | 24.3% |
| Forward P/E | 13.0x | 11.5x |
| Total Debt | $70M | $327M |
| Cash & Equiv. | $14M | $185M |
EFSI vs NBTB — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
EFSI
NBTB
| Stock | Jun 20 | Jun 26 | Return |
|---|---|---|---|
| Eagle Financial Ser… (EFSI) | 100 | 167.8 | +67.8% |
| NBT Bancorp Inc. (NBTB) | 100 | 156.6 | +56.6% |
Price return only. Dividends and distributions are not included.
Quick Verdict: EFSI vs NBTB
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: NBTB leads in 4 of 7 categories, making it the strongest pick for growth and revenue expansion and profitability and margin quality. Eagle Financial Services, Inc. is the stronger pick specifically for valuation and capital efficiency and capital preservation and lower volatility. As sector peers, any of these can serve as alternatives in the same allocation.
🥇NBTB 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 long-term compounding.
- Dividend streak 23 yrs, beta 0.61, yield 2.6%
- 132.4% 10Y total return vs NBTB's 108.5%
- Lower volatility, beta 0.61, Low D/E 36.8%, current ratio 0.09x
Best for: income & stability and long-term compounding
NBTB
NBT Bancorp Inc.
The Banking Pick
NBTB carries the broadest edge in this set and is the clearest fit for growth exposure and defensive.
- Rev growth 10.4%, EPS growth 12.5%
- Beta 0.76, yield 3.0%, current ratio 1.60x
- 10.4% NII/revenue growth vs EFSI's -1.3%
Best for: growth exposure and defensive
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth |  NBTB | 10.4% NII/revenue growth vs EFSI's -1.3% |
| Value |  EFSI | Better valuation composite |
| Quality / Margins | NBTB | Efficiency ratio 0.5% vs EFSI's 0.5% (lower = leaner) |
| Stability / Safety | EFSI | Beta 0.61 vs NBTB's 0.76 |
| Dividends | NBTB | 3.0% yield, 13-year raise streak, vs EFSI's 2.6% |
| Momentum (1Y) | EFSI | +47.1% vs NBTB's +18.3% |
| Efficiency (ROA) | NBTB | Efficiency ratio 0.5% vs EFSI's 0.5% |
EFSI vs NBTB — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2025
FY 2025
EFSI vs NBTB — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLNBTBLAGGINGEFSI
EFSIEagle Financial Servi…
1leads
NBTBNBT Bancorp Inc.
2leads
6 Total Categories
CATEGORYLEADERvs EFSIMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
NBTB5/5
Valuation MetricsMultiples, price ratios, and targets
Tied
—
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
NBTB6/9
Total Returns1Y, 3Y, 5Y total returns with dividends
EFSI4/6
Risk & VolatilityBeta, volatility, and downside exposure
Tied
—
Analyst OutlookRatings, price targets, and dividends
Tied
—
Income & Cash Flow (Last 12 Months)
NBTB leads this category, winning 5 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
NBTB is the larger business by revenue, generating $902M annually — 8.6x EFSI's $105M. NBTB is the more profitable business, keeping 18.8% of every revenue dollar as net income compared to EFSI's 7.9%.
| Metric | EFSIEagle Financial S… | NBTBNBT Bancorp Inc. |
|---|---|---|
| RevenueTrailing 12 months | $105M | $902M |
| EBITDAEarnings before interest/tax | $11M | $241M |
| Net IncomeAfter-tax profit | $8M | $169M |
| Free Cash FlowCash after capex | -$3M | $225M |
| Gross MarginGross profit ÷ Revenue | +61.6% | +73.6% |
| Operating MarginEBIT ÷ Revenue | +9.5% | +24.3% |
| Net MarginNet income ÷ Revenue | +7.9% | +18.8% |
| FCF MarginFCF ÷ Revenue | -2.4% | +24.9% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | -53.4% | +39.5% |
NBTB leads this category, winning 5 of 5 comparable metrics.
Valuation Metrics
Evenly matched — EFSI and NBTB each lead in 3 of 6 comparable metrics.
Valuation Metrics
At 14.5x trailing earnings, NBTB trades at a 47% valuation discount to EFSI's 27.1x P/E. On an enterprise value basis, NBTB's 11.0x EV/EBITDA is more attractive than EFSI's 29.1x.
| Metric | EFSIEagle Financial S… | NBTBNBT Bancorp Inc. |
|---|---|---|
| Market CapShares × price | $233M | $2.5B |
| Enterprise ValueMkt cap + debt − cash | $289M | $2.7B |
| Trailing P/EPrice ÷ TTM EPS | 27.13x | 14.47x |
| Forward P/EPrice ÷ next-FY EPS est. | 13.00x | 11.54x |
| PEG RatioP/E ÷ EPS growth rate | — | 2.06x |
| EV / EBITDAEnterprise value multiple | 29.13x | 11.03x |
| Price / SalesMarket cap ÷ Revenue | 2.23x | 2.90x |
| Price / BookPrice ÷ Book value/share | 1.23x | 1.29x |
| Price / FCFMarket cap ÷ FCF | 8.82x | 11.49x |
Evenly matched — EFSI and NBTB each lead in 3 of 6 comparable metrics.
Profitability & Efficiency
NBTB leads this category, winning 6 of 9 comparable metrics.
Profitability & Efficiency
NBTB delivers a 9.5% return on equity — every $100 of shareholder capital generates $10 in annual profit, vs $4 for EFSI. NBTB carries lower financial leverage with a 0.17x debt-to-equity ratio, signaling a more conservative balance sheet compared to EFSI's 0.37x. On the Piotroski fundamental quality scale (0–9), NBTB scores 7/9 vs EFSI's 5/9, reflecting strong financial health.
| Metric | EFSIEagle Financial S… | NBTBNBT Bancorp Inc. |
|---|---|---|
| ROE (TTM)Return on equity | +4.5% | +9.5% |
| ROA (TTM)Return on assets | +0.4% | +1.1% |
| ROICReturn on invested capital | +2.8% | +7.9% |
| ROCEReturn on capital employed | +3.6% | +2.4% |
| Piotroski ScoreFundamental quality 0–9 | 5 | 7 |
| Debt / EquityFinancial leverage | 0.37x | 0.17x |
| Net DebtTotal debt minus cash | $56M | $142M |
| Cash & Equiv.Liquid assets | $14M | $185M |
| Total DebtShort + long-term debt | $70M | $327M |
| Interest CoverageEBIT ÷ Interest expense | 0.27x | 1.05x |
NBTB leads this category, winning 6 of 9 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 NBTB five years ago would be worth $14,438 today (with dividends reinvested), compared to $14,235 for EFSI. Over the past 12 months, EFSI leads with a +47.1% total return vs NBTB's +18.3%. The 3-year compound annual growth rate (CAGR) favors EFSI at 14.3% vs NBTB's 14.1% — a key indicator of consistent wealth creation.
| Metric | EFSIEagle Financial S… | NBTBNBT Bancorp Inc. |
|---|---|---|
| YTD ReturnYear-to-date | +10.9% | +17.6% |
| 1-Year ReturnPast 12 months | +47.1% | +18.3% |
| 3-Year ReturnCumulative with dividends | +49.3% | +48.5% |
| 5-Year ReturnCumulative with dividends | +42.3% | +44.4% |
| 10-Year ReturnCumulative with dividends | +132.4% | +108.5% |
| CAGR (3Y)Annualised 3-year return | +14.3% | +14.1% |
EFSI leads this category, winning 4 of 6 comparable metrics.
Risk & Volatility
Evenly matched — EFSI and NBTB 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 NBTB's 0.76 beta. A beta below 1.0 means the stock typically moves less than the S&P 500.
| Metric | EFSIEagle Financial S… | NBTBNBT Bancorp Inc. |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.61x | 0.76x |
| 52-Week HighHighest price in past year | $43.98 | $48.27 |
| 52-Week LowLowest price in past year | $28.70 | $39.20 |
| % of 52W HighCurrent price vs 52-week peak | +98.1% | +99.8% |
| RSI (14)Momentum oscillator 0–100 | 78.6 | 63.1 |
| Avg Volume (50D)Average daily shares traded | 21K | 266K |
Evenly matched — EFSI and NBTB each lead in 1 of 2 comparable metrics.
Analyst Outlook
Evenly matched — EFSI and NBTB each lead in 1 of 2 comparable metrics.
Analyst Outlook
Wall Street rates EFSI as "Buy" and NBTB as "Hold". Consensus price targets imply -0.3% upside for EFSI (target: $43) vs -4.5% for NBTB (target: $46). For income investors, NBTB offers the higher dividend yield at 2.96% vs EFSI's 2.64%.
| Metric | EFSIEagle Financial S… | NBTBNBT Bancorp Inc. |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Hold |
| Price TargetConsensus 12-month target | $43.00 | $46.00 |
| # AnalystsCovering analysts | 3 | 10 |
| Dividend YieldAnnual dividend ÷ price | +2.6% | +3.0% |
| Dividend StreakConsecutive years of raises | 23 | 13 |
| Dividend / ShareAnnual DPS | $1.14 | $1.43 |
| Buyback YieldShare repurchases ÷ mkt cap | +0.1% | +0.4% |
Evenly matched — EFSI and NBTB each lead in 1 of 2 comparable metrics.
Key Takeaway
NBTB leads in 2 of 6 categories (Income & Cash Flow, Profitability & Efficiency). EFSI leads in 1 (Total Returns). 3 tied.
Best OverallNBT Bancorp Inc. (NBTB)Leads 2 of 6 categories
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EFSI vs NBTB: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is EFSI or NBTB a better buy right now?
For growth investors, NBT Bancorp Inc.
(NBTB) is the stronger pick with 10. 4% revenue growth year-over-year, versus -1. 3% for Eagle Financial Services, Inc. (EFSI). NBT Bancorp Inc. (NBTB) offers the better valuation at 14. 5x trailing P/E (11. 5x 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 NBTB?
On trailing P/E, NBT Bancorp Inc.
(NBTB) is the cheapest at 14. 5x versus Eagle Financial Services, Inc. at 27. 1x. On forward P/E, NBT Bancorp Inc. is actually cheaper at 11. 5x.
03Which is the better long-term investment — EFSI or NBTB?
Over the past 5 years, NBT Bancorp Inc.
(NBTB) delivered a total return of +44. 4%, compared to +42. 3% for Eagle Financial Services, Inc. (EFSI). Over 10 years, the gap is even starker: EFSI returned +132. 4% versus NBTB's +108. 5%. 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 NBTB?
By beta (market sensitivity over 5 years), Eagle Financial Services, Inc.
(EFSI) is the lower-risk stock at 0. 61β versus NBT Bancorp Inc. 's 0. 76β — meaning NBTB is approximately 24% more volatile than EFSI relative to the S&P 500. On balance sheet safety, NBT Bancorp Inc. (NBTB) carries a lower debt/equity ratio of 17% versus 37% for Eagle Financial Services, Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — EFSI or NBTB?
By revenue growth (latest reported year), NBT Bancorp Inc.
(NBTB) is pulling ahead at 10. 4% versus -1. 3% for Eagle Financial Services, Inc. (EFSI). On earnings-per-share growth, the picture is similar: NBT Bancorp Inc. grew EPS 12. 5% 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 NBTB?
NBT Bancorp Inc.
(NBTB) is the more profitable company, earning 19. 5% net margin versus 7. 9% for Eagle Financial Services, Inc. — meaning it keeps 19. 5% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: NBTB leads at 25. 3% versus 9. 5% for EFSI. At the gross margin level — before operating expenses — NBTB leads at 72. 1%, 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 NBTB more undervalued right now?
On forward earnings alone, NBT Bancorp Inc.
(NBTB) trades at 11. 5x forward P/E versus 13. 0x for Eagle Financial Services, Inc. — 1. 5x 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 NBTB?
All stocks in this comparison pay dividends.
NBT Bancorp Inc. (NBTB) offers the highest yield at 3. 0%, versus 2. 6% for Eagle Financial Services, Inc. (EFSI).
09Is EFSI or NBTB better for a retirement portfolio?
For long-horizon retirement investors, Eagle Financial Services, Inc.
(EFSI) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 61), 2. 6% yield, +132. 4% 10Y return). Both have compounded well over 10 years (EFSI: +132. 4%, NBTB: +108. 5%), 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 NBTB?
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; NBTB 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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