EFSI vs UBSI
EFSI: A community-focused bank holding company providing traditional retail and commercial banking, wealth management, and trust services in the Virginia and Maryland region. UBSI: A diversified community banking organization with a strong footprint in the Mid-Atlantic and Southeast, driven by a long history of strategic acquisitions.
Side-by-side fundamentals
| Metric | EFSI | UBSI | Edge |
|---|---|---|---|
| Price as of 2026-07-27 close | $40.14 | $48.45 | |
| Market cap as of 2026-08-03 | $217M | $6.7B | |
| P/E as of 2026-08-03 | 14.30 | 13.19 | UBSI lower |
| PEG as of 2026-08-03 | 0.20 | 0.45 | EFSI lower |
| Net margin as of 2026-08-03 | +15.5% | +36.1% | UBSI higher |
| Operating margin as of 2026-08-03 | +18.6% | +45.4% | UBSI higher |
| ROE as of 2026-08-03 | +13.5% | +9.4% | EFSI higher |
| ROA as of 2026-08-03 | +0.8% | +1.5% | UBSI higher |
| Debt / equity as of 2026-08-03 | 0.25 | 0.13 | UBSI lower |
| Revenue growth (YoY) as of 2026-08-03 | +54.6% | +50.6% | EFSI higher |
| Revenue CAGR (3y) SEC XBRL | n/a | +4.1% | |
| Dividend yield as of 2026-08-03 | +3.0% | +3.1% | UBSI higher |
| Dividend streak (yrs) SEC XBRL | 5 | 5 | Tie |
| Beta as of 2026-08-03 | 0.22 | 0.82 | |
| 1-year return as of 2026-07-27 close | +20.3% | +36.4% | UBSI higher |
Fundamentals: market data, as of 2026-08-03. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-27.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date; "Edge" cells are a pure numeric comparison, not a recommendation.