Comparing Eagle Financial Services (OTCMKTS:EFSI) & Bank of South Carolina (NASDAQ:BKSC)

Volatility & Risk

Bank of South Carolina has a beta of 0.3, suggesting that its stock price is 70% less volatile than the S&P 500. Comparatively, Eagle Financial Services has a beta of 0.28, suggesting that its stock price is 72% less volatile than the S&P 500.

Insider and Institutional Ownership

0.2% of Bank of South Carolina shares are held by institutional investors. Comparatively, 0.3% of Eagle Financial Services shares are held by institutional investors. 29.8% of Bank of South Carolina shares are held by insiders. Comparatively, 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 company is poised for long-term growth.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Bank of South Carolina	23.42%	13.59%	1.14%
Eagle Financial Services	13.59%	10.92%	0.67%

Dividends

Bank of South Carolina pays an annual dividend of $0.92 per share and has a dividend yield of 5.8%. Eagle Financial Services pays an annual dividend of $1.24 per share and has a dividend yield of 3.3%. Bank of South Carolina pays out 69.2% of its earnings in the form of a dividend. Eagle Financial Services pays out 57.4% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years.

Valuation and Earnings

This table compares Bank of South Carolina and Eagle Financial Services”s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Bank of South Carolina	$21.16 million	4.10	$6.75 million	$1.33	12.03
Eagle Financial Services	$59.17 million	3.38	$15.34 million	$2.16	17.21

Eagle Financial Services has higher revenue and earnings than Bank of South Carolina. Bank of South Carolina is trading at a lower price-to-earnings ratio than Eagle Financial Services, indicating that it is currently the more affordable of the two stocks.

Summary

Bank of South Carolina beats Eagle Financial Services on 8 of the 13 factors compared between the two stocks.

About Bank of South Carolina

Bank of South Carolina Corporation operates as a bank holding company for The Bank of South Carolina that provides a range of financial products and services primarily in Charleston, Berkeley, and Dorchester counties of South Carolina. Its deposits include non-interest-bearing demand accounts, NOW accounts, money market accounts, time deposits, and savings accounts, as well as certificates of deposit. The company offers secured and unsecured commercial loans, commercial real estate construction loans, consumer construction loans, home equity lines of credit, and mortgage originations, as well as paycheck protection program loans. It operates five banking house locations. The company was founded in 1986 and is headquartered in Charleston, South Carolina.

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, Northern Virginia and Frederick, Maryland. It operates through three segments: Community Banking, Marine Lending, and Wealth Management. 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; wealth management 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.