EFSI vs FRST
EFSI: A regional Virginia bank holding company delivering retail and commercial banking with wealth management services across the Shenandoah Valley and Northern Virginia. FRST: A $4B Virginia-based community bank combining traditional branch banking with digital innovation, healthcare-focused lending through Panacea Financial, and mortgage warehouse services for SMB and healthcare customers.
Side-by-side fundamentals
| Metric | EFSI | FRST | Edge |
|---|---|---|---|
| Price as of 2026-07-22 close | $41.30 | $15.75 | |
| Market cap as of 2026-07-23 | $224M | $395M | |
| P/E as of 2026-07-23 | 14.57 | 8.56 | FRST lower |
| PEG as of 2026-07-23 | 0.17 | 0.01 | FRST lower |
| Net margin as of 2026-07-23 | +15.5% | +3.5% | EFSI higher |
| Operating margin as of 2026-07-23 | +18.6% | +6.0% | EFSI higher |
| ROE as of 2026-07-23 | +13.5% | +11.5% | EFSI higher |
| ROA as of 2026-07-23 | +0.8% | +1.1% | FRST higher |
| Debt / equity as of 2026-07-23 | 0.25 | 0.20 | FRST lower |
| Revenue growth (YoY) as of 2026-07-23 | +54.6% | +63.1% | FRST higher |
| Dividend yield as of 2026-07-23 | +3.0% | +2.5% | EFSI higher |
| Dividend streak (yrs) SEC XBRL | 5 | 5 | Tie |
| Beta as of 2026-07-23 | 0.21 | 0.72 | |
| 1-year return as of 2026-07-22 close | +23.1% | +35.2% | FRST higher |
Fundamentals: Finnhub, as of 2026-07-23. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-22.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date; "Edge" cells are a pure numeric comparison, not a recommendation.