Eagle Financial Services, Inc. (EFSI) vs Peoples Bancorp of North Carolina, Inc. (PEBK)
A side-by-side comparison of Eagle Financial Services, Inc. and Peoples Bancorp of North Carolina, Inc. across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of October 6, 2026. Differences are shown without an overall score or investment verdict.
Total return — EFSI vs PEBK
growth of $100 · dividends reinvested · last 10yEFSI vs PEBK: by the numbers
- •EFSI is the larger company ($247M vs $241M market cap).
- •EFSI trades at the lower trailing earnings multiple (13.20 vs 14.91 P/E), one valuation lens rather than an overall verdict.
- •PEBK converts more revenue to profit (18.12% vs 15.85% net margin).
- •EFSI grew revenue faster over the past five years (19.18% vs 10.62% CAGR).
- •EFSI pays the higher dividend yield (2.72% vs 2.25%).
Metrics side by side
Valuation
| Metric | EFSI | PEBK |
|---|---|---|
| P/E ratio | 13.20 | 14.91 |
| Forward P/E | 16.16 | N/A |
| PEG ratio | N/A | 1.74 |
| P/S ratio | 2.10 | 2.19 |
| P/B ratio | 1.27 | 1.49 |
Profitability
| Metric | EFSI | PEBK |
|---|---|---|
| Operating margin | 15.88% | 23.55% |
| Net margin | 15.85% | 18.12% |
| ROE | 9.61% | 12.37% |
Eagle Financial Services, Inc.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Peoples Bancorp of North Carolina, Inc.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Dividends
| Metric | EFSI | PEBK |
|---|---|---|
| Dividend yield | 2.72% | 2.25% |
| Payout ratio | 35.84% | 33.78% |
Growth (annualized)
| Metric | EFSI | PEBK |
|---|---|---|
| Revenue CAGR (5Y) | 19.18% | 10.62% |
| EPS CAGR (5Y) | -13.43% | 8.56% |
| Total return CAGR (5Y) | 9.71% | 12.60% |
Frequently asked
- Which has the lower trailing P/E, EFSI or PEBK?
- EFSI has the lower trailing P/E: EFSI trades at 13.20 and PEBK at 14.91. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, EFSI or PEBK?
- Over the past five years, EFSI grew revenue faster — EFSI at a 19.18% CAGR versus PEBK at 10.62%.
- Does EFSI or PEBK pay a bigger dividend?
- EFSI yields 2.72% and PEBK yields 2.25% based on trailing dividends and the latest price.
- Is EFSI or PEBK more profitable?
- PEBK runs the higher net margin — EFSI at 15.85% versus PEBK at 18.12%.
- How have EFSI and PEBK total returns compared?
- Over the past 10 years, EFSI delivered 10.55% and PEBK delivered 11.82% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
Eagle Financial Services & Peoples Bancorp of North Carolina appear in these rankings
Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified October 6, 2026.