` Comparison: EFSI vs HBAN - Alpha Spread
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EFSI
vs
HBAN

Over the past 12 months, EFSI has outperformed HBAN, delivering a return of +18% compared to the HBAN's +8% growth.

Valuation Growth Profitability Solvency Stocks Performance
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EFSI
HBAN
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Stocks Compared:
EFSI HBAN
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Valuation Comparison

EFSI Intrinsic Value
42.05 USD
Undervaluation 8%
Intrinsic Value
Price
HBAN Intrinsic Value
18.253 USD
Undervaluation 3%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Eagle Financial Services Inc
OTC:EFSI
38.77 USD
Huntington Bancshares Inc
NASDAQ:HBAN
17.785 USD
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
EFSI, HBAN

EFSI
HBAN
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Revenue
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Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
Eagle Financial Services Inc
Revenue
Huntington Bancshares Inc
Revenue

All metrics are calculated based on data from the last 10 years.

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Profitability Comparison

Free Cash Flow
EFSI, HBAN

EFSI
HBAN
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Free Cash Flow
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Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
Eagle Financial Services Inc
OTC:EFSI
FCF is not applicable for financial companies
Huntington Bancshares Inc
NASDAQ:HBAN
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

EFSI
HBAN
LTM 3Y Avg 5Y Avg 10Y Avg
Eagle Financial Services Inc
Not applicable for financial companies
Huntington Bancshares Inc
Not applicable for financial companies

Operating Margin

EFSI
HBAN
LTM 3Y Avg 5Y Avg 10Y Avg
Eagle Financial Services Inc
Not applicable for financial companies
Huntington Bancshares Inc
Not applicable for financial companies

Net Margin

EFSI
21.1%
HBAN
25.6%

FCF Margin

EFSI
HBAN
LTM 3Y Avg 5Y Avg 10Y Avg
Eagle Financial Services Inc
Not applicable for financial companies
Huntington Bancshares Inc
Not applicable for financial companies

ROE

EFSI
13.5%
HBAN
9.5%

ROA

EFSI
0.8%
HBAN
1%

ROIC

EFSI
HBAN
LTM 3Y Avg 5Y Avg 10Y Avg
Eagle Financial Services Inc
Not applicable for financial companies
Huntington Bancshares Inc
Not applicable for financial companies

ROCE

EFSI
HBAN
LTM 3Y Avg 5Y Avg 10Y Avg
Eagle Financial Services Inc
Not applicable for financial companies
Huntington Bancshares Inc
Not applicable for financial companies

Solvency Comparison

Eagle Financial Services Inc
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
Huntington Bancshares Inc
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
EFSI, HBAN

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EFSI
HBAN
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1Y 3Y 5Y 10Y 15Y 20Y
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Performance Gap
EFSI, HBAN

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EFSI
HBAN
Difference
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1Y 3Y 5Y 10Y 15Y 20Y

Performance By Year
EFSI, HBAN

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EFSI
HBAN
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