Head to Head Survey: Eagle Financial Services (NASDAQ:EFSI) and Fifth District Bancorp (NASDAQ:FDSB)

Eagle Financial Services (NASDAQ:EFSI) and Fifth District Bancorp (NASDAQ:FDSB) are both small-cap finance companies, but which is the better business? We will compare the two companies based on the strength of their earnings, institutional ownership, risk, dividends, valuation, profitability and analyst recommendations.

Insider and Institutional Ownership

0.3% of Eagle Financial Services shares are held by institutional investors. 8.7% of Eagle Financial Services shares are held by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock will outperform the market over the long term.

Analyst Recommendations

This is a breakdown of recent ratings and target prices for Eagle Financial Services and Fifth District Bancorp, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Eagle Financial Services	0	0	2	0	3.00
Fifth District Bancorp	0	0	0	0	0.00

Eagle Financial Services presently has a consensus target price of $40.00, indicating a potential upside of 19.26%. Given Eagle Financial Services’ stronger consensus rating and higher probable upside, equities analysts plainly believe Eagle Financial Services is more favorable than Fifth District Bancorp.

Profitability

This table compares Eagle Financial Services and Fifth District Bancorp’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Eagle Financial Services	5.68%	9.57%	0.67%
Fifth District Bancorp	0.62%	0.12%	0.03%

Valuation & Earnings

This table compares Eagle Financial Services and Fifth District Bancorp”s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Eagle Financial Services	$112.88 million	1.60	$15.34 million	$2.07	16.20
Fifth District Bancorp	$19.29 million	3.74	-$1.08 million	N/A	N/A

Eagle Financial Services has higher revenue and earnings than Fifth District Bancorp.

Summary

Eagle Financial Services beats Fifth District Bancorp on 10 of the 11 factors compared between the two stocks.

About Eagle Financial Services

Eagle Financial Services, Inc. operates as the bank holding company for Bank of Clarke County 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 personal and retirement plan services; investment services comprising tax-deferred annuities, IRAs and rollovers, mutual funds, retirement plans, college savings plans, life insurance, long term care insurance, fixed income investing, brokerage CDs, and full service or discount brokerage services; non-deposit investment products; and title insurance products. In addition, it provides ATM and debit cards; 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 twelve full-service branches, two loan production offices, one wealth management office, and one drive-through only facility, as well as 13 ATM locations in the Virginia communities of Berryville, Winchester, Boyce, Stephens City, Purcellville, Warrenton, Leesburg, Ashburn, and Fairfax. Eagle Financial Services, Inc. was founded in 1881 and is headquartered in Berryville, Virginia.

About Fifth District Bancorp

Fifth District Bancorp, Inc. is the holding company for Fifth District Savings Bank which provide all banking services. Fifth District Bancorp, Inc. is based in NEW ORLEANS.