EFIN
Price
$62.00
Change
-$0.75 (-1.20%)
Updated
Oct 8 closing price
Capitalization
86.32M
Intraday BUY SELL Signals
EFSI
Price
$39.49
Change
+$0.77 (+1.99%)
Updated
Feb 4, 02:02 PM (EDT)
Capitalization
207.98M
90 days until earnings call
Intraday BUY SELL Signals
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EFIN vs EFSI

Header iconEFIN vs EFSI Comparison
Open Charts EFIN vs EFSIBanner chart's image
Eastern Michigan Financial
Price$62.00
Change-$0.75 (-1.20%)
Volume$328
Capitalization86.32M
Eagle Financial Services
Price$39.49
Change+$0.77 (+1.99%)
Volume$117
Capitalization207.98M
EFIN vs EFSI Comparison Chart in %
EFIN
Daily Signal:
Gain/Loss:
EFSI
Daily Signal:
Gain/Loss:
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VS
EFIN vs. EFSI commentary
Feb 04, 2026

To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is EFIN is a StrongBuy and EFSI is a Hold.

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COMPARISON
Comparison
Feb 04, 2026
Stock price -- (EFIN: $66.45 vs. EFSI: $38.72)
Brand notoriety: EFIN and EFSI are both not notable
Both companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: EFIN: 33% vs. EFSI: 133%
Market capitalization -- EFIN: $86.32M vs. EFSI: $207.98M
EFIN [@Regional Banks] is valued at $86.32M. EFSI’s [@Regional Banks] market capitalization is $207.98M. The market cap for tickers in the [@Regional Banks] industry ranges from $161.17B to $0. The average market capitalization across the [@Regional Banks] industry is $9.28B.

Long-Term Analysis

It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).

EFIN’s FA Score shows that 2 FA rating(s) are green whileEFSI’s FA Score has 2 green FA rating(s).

  • EFIN’s FA Score: 2 green, 3 red.
  • EFSI’s FA Score: 2 green, 3 red.
According to our system of comparison, EFIN is a better buy in the long-term than EFSI.

Short-Term Analysis

It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.

If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.

EFIN’s TA Score shows that 2 TA indicator(s) are bullish while EFSI’s TA Score has 4 bullish TA indicator(s).

  • EFIN’s TA Score: 2 bullish, 2 bearish.
  • EFSI’s TA Score: 4 bullish, 4 bearish.
According to our system of comparison, both EFIN and EFSI are a good buy in the short-term.

Price Growth

EFIN (@Regional Banks) experienced а 0.00% price change this week, while EFSI (@Regional Banks) price change was -1.55% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was +3.21%. For the same industry, the average monthly price growth was +5.99%, and the average quarterly price growth was +19.36%.

Reported Earning Dates

EFSI is expected to report earnings on May 05, 2026.

Industries' Descriptions

@Regional Banks (+3.21% weekly)

Regional banks have a smaller reach than major banks, and cater mostly to one region of a country, such as a state or within a group of states. They offer services often similar – albeit with some limitations/smaller scale – compared to major banks. Taking deposits, making loans, mortgages, leases, credit cards , fund management, insurance and investment banking. SunTrust Banks, State Street Corp., M&T Bank Corp. are some examples of U.S. regional banks.

SUMMARIES
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FUNDAMENTALS
Fundamentals
EFSI($208M) has a higher market cap than EFIN($86.3M). EFSI has higher P/E ratio than EFIN: EFSI (24.34) vs EFIN (11.99). EFIN YTD gains are higher at: 0.000 vs. EFSI (-1.908). EFIN has more cash in the bank: 45.2M vs. EFSI (15.6M). EFIN has less debt than EFSI: EFIN (283K) vs EFSI (69.6M). EFSI has higher revenues than EFIN: EFSI (63.7M) vs EFIN (22.7M).
EFINEFSIEFIN / EFSI
Capitalization86.3M208M41%
EBITDAN/AN/A-
Gain YTD0.000-1.908-
P/E Ratio11.9924.3449%
Revenue22.7M63.7M36%
Total Cash45.2M15.6M290%
Total Debt283K69.6M0%
FUNDAMENTALS RATINGS
EFIN vs EFSI: Fundamental Ratings
EFIN
EFSI
OUTLOOK RATING
1..100
4963
VALUATION
overvalued / fair valued / undervalued
1..100
42
Fair valued
83
Overvalued
PROFIT vs RISK RATING
1..100
730
SMR RATING
1..100
5259
PRICE GROWTH RATING
1..100
4652
P/E GROWTH RATING
1..100
155
SEASONALITY SCORE
1..100
5050

Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.

EFIN's Valuation (42) in the null industry is somewhat better than the same rating for EFSI (83). This means that EFIN’s stock grew somewhat faster than EFSI’s over the last 12 months.

EFIN's Profit vs Risk Rating (7) in the null industry is in the same range as EFSI (30). This means that EFIN’s stock grew similarly to EFSI’s over the last 12 months.

EFIN's SMR Rating (52) in the null industry is in the same range as EFSI (59). This means that EFIN’s stock grew similarly to EFSI’s over the last 12 months.

EFIN's Price Growth Rating (46) in the null industry is in the same range as EFSI (52). This means that EFIN’s stock grew similarly to EFSI’s over the last 12 months.

EFSI's P/E Growth Rating (5) in the null industry is in the same range as EFIN (15). This means that EFSI’s stock grew similarly to EFIN’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
EFINEFSI
RSI
ODDS (%)
N/A
N/A
Stochastic
ODDS (%)
Bullish Trend 2 days ago
34%
Bullish Trend 2 days ago
35%
Momentum
ODDS (%)
Bullish Trend 2 days ago
35%
Bearish Trend 2 days ago
36%
MACD
ODDS (%)
Bearish Trend 2 days ago
22%
Bearish Trend 7 days ago
42%
TrendWeek
ODDS (%)
Bullish Trend 2 days ago
41%
Bearish Trend 2 days ago
39%
TrendMonth
ODDS (%)
Bullish Trend 2 days ago
41%
Bearish Trend 2 days ago
39%
Advances
ODDS (%)
N/A
Bullish Trend 2 days ago
50%
Declines
ODDS (%)
N/A
Bearish Trend 7 days ago
46%
BollingerBands
ODDS (%)
N/A
Bullish Trend 2 days ago
33%
Aroon
ODDS (%)
Bearish Trend 2 days ago
30%
Bullish Trend 2 days ago
39%
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EFIN
Daily Signal:
Gain/Loss:
EFSI
Daily Signal:
Gain/Loss:
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EFIN and

Correlation & Price change

A.I.dvisor indicates that over the last year, EFIN has been loosely correlated with SVVB. These tickers have moved in lockstep 41% of the time. This A.I.-generated data suggests there is some statistical probability that if EFIN jumps, then SVVB could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To EFIN
1D Price
Change %
EFIN100%
N/A
SVVB - EFIN
41%
Loosely correlated
N/A
MNSB - EFIN
23%
Poorly correlated
+1.47%
JPPHY - EFIN
21%
Poorly correlated
N/A
EFSI - EFIN
10%
Poorly correlated
+1.31%
COSO - EFIN
9%
Poorly correlated
+1.26%
More

EFSI and

Correlation & Price change

A.I.dvisor indicates that over the last year, EFSI has been loosely correlated with HOPE. These tickers have moved in lockstep 62% of the time. This A.I.-generated data suggests there is some statistical probability that if EFSI jumps, then HOPE could also see price increases.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To EFSI
1D Price
Change %
EFSI100%
+1.31%
HOPE - EFSI
62%
Loosely correlated
+0.98%
FIBK - EFSI
61%
Loosely correlated
+2.15%
SSB - EFSI
61%
Loosely correlated
+0.91%
RNST - EFSI
61%
Loosely correlated
+1.61%
TMP - EFSI
61%
Loosely correlated
+2.48%
More