Financial Comparison: Eagle Financial Services (OTCMKTS:EFSI) & Signature Bank (NASDAQ:SBNY)

Signature Bank (NASDAQ:SBNY) and Eagle Financial Services (OTCMKTS:EFSI) are both small-cap finance companies, but which is the superior stock? We will contrast the two businesses based on the strength of their dividends, analyst recommendations, profitability, earnings, risk, institutional ownership and valuation.

Institutional & Insider Ownership

11.1% of Signature Bank shares are held by institutional investors. Comparatively, 0.3% of Eagle Financial Services shares are held by institutional investors. 1.5% of Signature Bank shares are held by insiders. Comparatively, 12.3% of Eagle Financial Services shares are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.

Analyst Ratings

This is a summary of recent ratings and recommmendations for Signature Bank and Eagle Financial Services, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Signature Bank	0	0	0	0	N/A
Eagle Financial Services	0	0	0	0	N/A

Profitability

This table compares Signature Bank and Eagle Financial Services’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Signature Bank	N/A	N/A	N/A
Eagle Financial Services	9.52%	8.95%	0.52%

Valuation & Earnings

This table compares Signature Bank and Eagle Financial Services’ top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Signature Bank	$3.71 billion	0.06	$1.34 billion	N/A	N/A
Eagle Financial Services	$97.87 million	1.03	$9.36 million	$2.66	10.68

Signature Bank has higher revenue and earnings than Eagle Financial Services.

Volatility & Risk

Signature Bank has a beta of 9.55, suggesting that its share price is 855% more volatile than the S&P 500. Comparatively, Eagle Financial Services has a beta of 0.4, suggesting that its share price is 60% less volatile than the S&P 500.

Summary

Eagle Financial Services beats Signature Bank on 5 of the 9 factors compared between the two stocks.

About Signature Bank

As of March 12, 2023, Signature Bank went out of business. Previously, the company provided digital assets banking services and comprised of certain loan portfolios. The company was incorporated in 2000 and is based in New York, New York. Signature Bank now trades on OTCPK.

About Eagle Financial Services

Eagle Financial Services, Inc. operates as the bank holding company for Bank of Clarke that provides various retail and commercial banking products and services in the Shenandoah Valley and Northern Virginia. The company's deposit products include checking, NOW, money market, and regular savings accounts; and demand and time deposits. Its loan portfolio comprises one-to-four-family residential real estate, commercial real estate, construction and land development, and commercial and industrial loans, as well as secured and unsecured consumer loans, which include personal installment loans, personal lines of credit, automobile loans, and credit card loans. The company also offers fiduciary services; advisory services and investment products, including individual retirement accounts, mutual funds, tax-deferred annuities, 529 college savings plans, life insurance, long term care insurance, brokerage certificates of deposit, and other brokerage services; non-deposit investment products; and title insurance products. In addition, it provides ATM and debit cards; online bill payment services; and telephone, internet, and mobile banking services, as well as other commercial deposit account services, such as ACH origination and remote deposit capture services. The company operates through full-service branches, loan production offices, drive-through only facility, and ATM locations in the Virginia communities of Berryville, Winchester, Boyce, Stephens City, Purcellville, Warrenton, Leesburg, Ashburn, and Fairfax, as well as Maryland community of Frederick. Eagle Financial Services, Inc. was founded in 1881 and is headquartered in Berryville, Virginia.