COMP <GO>
EFSI vs INBK // EV/EBITDA & P/E VALUATION
Eagle Financial Services Inc (NASDAQ) VS. First Internet Bancorp (NASDAQ) • 15-METRIC TALLY: EFSI 6
— INBK 0
■ METRIC PARITY
LAST: $46.06 (+1.23%) • MKT CAP: $249.3M
valuation
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LAST: $27.27 (+2.29%) • MKT CAP: $238.2M
valuation
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (EFSI VS. INBK)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | EFSI | INBK | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 4.30% | -9.80% | +14.10 | EFSI | /roic <GO> |
| EV/EBITDA & P/E Valuation ACTIVE | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 9.77% | 0.93% | +8.84 | EFSI | /fcf-yield <GO> |
| Operating Margin | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | — | — | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | — | — | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 2.45% | 0.88% | +1.57 | EFSI | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 4/9 | 3/9 | +1.00 | EFSI | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 49.6 | 43.1 | +6.49 | EFSI | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 28.2x | — | — | TIE | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $249.3M | $238.2M | $11.1M | EFSI | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | EFSI REV | INBK REV | EFSI GROSS % | INBK GROSS % | EFSI FCF | INBK FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $0 | $0 | — | — | $24.3M | $2.2M |
| FY 2024 | $0 | $0 | — | — | $17.7M | $10.4M |
| FY 2023 | $0 | $0 | — | — | $6.9M | $11.7M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
EFSI // BETA —
INBK // BETA —