vs

Side-by-side financial comparison of EAGLE FINANCIAL SERVICES INC (EFSI) and Monte Rosa Therapeutics, Inc. (GLUE). Click either name above to swap in a different company.

EAGLE FINANCIAL SERVICES INC is the larger business by last-quarter revenue ($16.4M vs $12.8M, roughly 1.3× Monte Rosa Therapeutics, Inc.). On growth, Monte Rosa Therapeutics, Inc. posted the faster year-over-year revenue change (38.5% vs 21.3%). Monte Rosa Therapeutics, Inc. produced more free cash flow last quarter ($99.8M vs $24.3M).

Ally Financial Inc. is an American bank holding company incorporated in Delaware and headquartered at Ally Detroit Center in Detroit, Michigan. The company provides financial services including car finance, online banking via a direct bank, corporate lending, vehicle insurance, mortgage loans, and other related financing services such as installment sale and lease agreements.

Monte Rosa Therapeutics is a clinical-stage biotechnology company specializing in the discovery and development of targeted molecular glue degrader therapies. Its pipeline addresses unmet medical needs across oncology, rare genetic disorders and immunological diseases, with operations focused on advancing novel treatments for global patient populations.

EFSI vs GLUE — Head-to-Head

Bigger by revenue
EFSI
EFSI
1.3× larger
EFSI
$16.4M
$12.8M
GLUE
Growing faster (revenue YoY)
GLUE
GLUE
+17.2% gap
GLUE
38.5%
21.3%
EFSI
More free cash flow
GLUE
GLUE
$75.4M more FCF
GLUE
$99.8M
$24.3M
EFSI

Income Statement — Q4 FY2025 vs Q3 FY2025

Metric
EFSI
EFSI
GLUE
GLUE
Revenue
$16.4M
$12.8M
Net Profit
$-27.1M
Gross Margin
Operating Margin
33.6%
-258.3%
Net Margin
-212.1%
Revenue YoY
21.3%
38.5%
Net Profit YoY
-13.5%
EPS (diluted)
$1.10

Green = leading value per metric. Periods may differ when fiscal calendars don't align.

8-Quarter Revenue & Profit Trend

Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.

Revenue
EFSI
EFSI
GLUE
GLUE
Q4 25
$16.4M
Q3 25
$22.4M
$12.8M
Q2 25
$20.6M
$23.2M
Q1 25
$4.8M
$84.9M
Q4 24
$22.0M
$60.6M
Q3 24
$18.4M
Q2 24
$16.5M
Q1 24
$15.9M
Net Profit
EFSI
EFSI
GLUE
GLUE
Q4 25
Q3 25
$5.6M
$-27.1M
Q2 25
$5.3M
$-12.3M
Q1 25
$-7.0M
$46.9M
Q4 24
$13.4M
Q3 24
$3.4M
Q2 24
$3.2M
Q1 24
$2.5M
Operating Margin
EFSI
EFSI
GLUE
GLUE
Q4 25
33.6%
Q3 25
30.9%
-258.3%
Q2 25
31.8%
-67.1%
Q1 25
-189.0%
51.9%
Q4 24
36.8%
21.4%
Q3 24
21.6%
Q2 24
22.9%
Q1 24
19.1%
Net Margin
EFSI
EFSI
GLUE
GLUE
Q4 25
Q3 25
25.0%
-212.1%
Q2 25
25.6%
-53.0%
Q1 25
-145.8%
55.2%
Q4 24
22.2%
Q3 24
18.6%
Q2 24
19.3%
Q1 24
16.0%
EPS (diluted)
EFSI
EFSI
GLUE
GLUE
Q4 25
$1.10
Q3 25
$1.04
Q2 25
$0.98
Q1 25
$-1.53
Q4 24
$1.74
Q3 24
$0.97
Q2 24
$0.89
Q1 24
$0.72

Balance Sheet & Financial Strength

Snapshot of each company's liquidity, leverage and book value from the latest quarter.

Metric
EFSI
EFSI
GLUE
GLUE
Cash + ST InvestmentsLiquidity on hand
$208.3M
Total DebtLower is stronger
Stockholders' EquityBook value
$188.8M
$245.8M
Total Assets
$1.9B
$459.8M
Debt / EquityLower = less leverage

8-quarter trend — quarters aligned by calendar period.

Cash + ST Investments
EFSI
EFSI
GLUE
GLUE
Q4 25
Q3 25
$208.3M
Q2 25
$69.4M
Q1 25
$78.5M
Q4 24
$224.3M
Q3 24
Q2 24
Q1 24
Stockholders' Equity
EFSI
EFSI
GLUE
GLUE
Q4 25
$188.8M
Q3 25
$185.6M
$245.8M
Q2 25
$179.6M
$268.1M
Q1 25
$176.5M
$275.2M
Q4 24
$119.0M
$222.9M
Q3 24
$117.8M
Q2 24
$111.1M
Q1 24
$107.7M
Total Assets
EFSI
EFSI
GLUE
GLUE
Q4 25
$1.9B
Q3 25
$1.9B
$459.8M
Q2 25
$2.0B
$359.6M
Q1 25
$1.9B
$393.2M
Q4 24
$1.9B
$438.7M
Q3 24
$1.9B
Q2 24
$1.8B
Q1 24
$1.8B

Cash Flow & Capital Efficiency

How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.

Metric
EFSI
EFSI
GLUE
GLUE
Operating Cash FlowLast quarter
$25.8M
$100.4M
Free Cash FlowOCF − Capex
$24.3M
$99.8M
FCF MarginFCF / Revenue
148.6%
781.5%
Capex IntensityCapex / Revenue
8.6%
5.1%
Cash ConversionOCF / Net Profit
TTM Free Cash FlowTrailing 4 quarters
$39.7M
$145.0M

8-quarter trend — quarters aligned by calendar period.

Operating Cash Flow
EFSI
EFSI
GLUE
GLUE
Q4 25
$25.8M
Q3 25
$8.2M
$100.4M
Q2 25
$2.6M
$-34.7M
Q1 25
$5.8M
$-45.5M
Q4 24
$18.8M
$128.9M
Q3 24
$7.5M
Q2 24
$-1.8M
Q1 24
$6.8M
Free Cash Flow
EFSI
EFSI
GLUE
GLUE
Q4 25
$24.3M
Q3 25
$7.8M
$99.8M
Q2 25
$2.3M
$-36.4M
Q1 25
$5.3M
$-47.1M
Q4 24
$17.7M
$128.7M
Q3 24
$7.3M
Q2 24
$-2.2M
Q1 24
$6.7M
FCF Margin
EFSI
EFSI
GLUE
GLUE
Q4 25
148.6%
Q3 25
35.0%
781.5%
Q2 25
11.2%
-157.0%
Q1 25
110.1%
-55.4%
Q4 24
80.6%
212.3%
Q3 24
39.6%
Q2 24
-13.6%
Q1 24
41.9%
Capex Intensity
EFSI
EFSI
GLUE
GLUE
Q4 25
8.6%
Q3 25
1.7%
5.1%
Q2 25
1.3%
7.3%
Q1 25
11.2%
1.9%
Q4 24
4.6%
0.3%
Q3 24
1.3%
Q2 24
2.6%
Q1 24
0.6%
Cash Conversion
EFSI
EFSI
GLUE
GLUE
Q4 25
Q3 25
1.47×
Q2 25
0.49×
Q1 25
-0.97×
Q4 24
9.59×
Q3 24
2.19×
Q2 24
-0.57×
Q1 24
2.65×

Financial Flow Comparison

Revenue → gross profit → operating profit → net profit for each company.

Revenue Breakdown by Segment

EFSI
EFSI

Asset Management$6.0M37%
Other$3.8M23%
Interchange Fees$3.5M22%
Overdrawn Account Fees$1.6M10%
Brokerage Commissions$1.4M9%

GLUE
GLUE

Segment breakdown not available.

Related Comparisons