EFSI vs FXNC
EFSI: A regional Virginia bank holding company delivering retail and commercial banking with wealth management services across the Shenandoah Valley and Northern Virginia. FXNC: A community-focused commercial bank holding company serving markets across Virginia and northern North Carolina with a full suite of banking and wealth management services.
Side-by-side fundamentals
| Metric | EFSI | FXNC | Edge |
|---|---|---|---|
| Price as of 2026-07-22 close | $41.30 | $29.03 | |
| Market cap as of 2026-07-23 | $224M | $262M | |
| P/E as of 2026-07-23 | 14.57 | 12.50 | FXNC lower |
| PEG as of 2026-07-23 | 0.17 | 0.07 | FXNC lower |
| Net margin as of 2026-07-23 | +15.5% | n/a | |
| Operating margin as of 2026-07-23 | +18.6% | n/a | |
| ROE as of 2026-07-23 | +13.5% | +11.5% | EFSI higher |
| ROA as of 2026-07-23 | +0.8% | +1.0% | FXNC higher |
| Debt / equity as of 2026-07-23 | 0.25 | 0.23 | FXNC lower |
| Revenue growth (YoY) as of 2026-07-23 | +54.6% | n/a | |
| Dividend yield as of 2026-07-23 | +3.0% | +2.3% | EFSI higher |
| Dividend streak (yrs) SEC XBRL | 5 | 5 | Tie |
| Beta as of 2026-07-23 | 0.21 | 0.44 | |
| 1-year return as of 2026-07-22 close | +23.1% | +34.1% | FXNC 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.