Touchstone Bankshares (OTCMKTS:TSBA) versus West Coast Community Bancorp (OTCMKTS:SCZC) Financial Contrast

Valuation and Earnings

This table compares West Coast Community Bancorp and Touchstone Bankshares”s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
West Coast Community Bancorp	$123.69 million	3.56	$29.58 million	$3.39	12.26
Touchstone Bankshares	N/A	N/A	$1.61 million	$0.65	21.92

West Coast Community Bancorp has higher revenue and earnings than Touchstone Bankshares. West Coast Community Bancorp is trading at a lower price-to-earnings ratio than Touchstone Bankshares, indicating that it is currently the more affordable of the two stocks.

Dividends

West Coast Community Bancorp pays an annual dividend of $0.80 per share and has a dividend yield of 1.9%. Touchstone Bankshares pays an annual dividend of $0.32 per share and has a dividend yield of 2.2%. West Coast Community Bancorp pays out 23.6% of its earnings in the form of a dividend. Touchstone Bankshares pays out 49.2% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years.

Risk and Volatility

West Coast Community Bancorp has a beta of 0.49, indicating that its share price is 51% less volatile than the S&P 500. Comparatively, Touchstone Bankshares has a beta of 0.61, indicating that its share price is 39% less volatile than the S&P 500.

Profitability

This table compares West Coast Community Bancorp and Touchstone Bankshares’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
West Coast Community Bancorp	23.91%	N/A	N/A
Touchstone Bankshares	N/A	N/A	N/A

Insider & Institutional Ownership

9.7% of West Coast Community Bancorp shares are held by institutional investors. Comparatively, 0.4% of Touchstone Bankshares shares are held by institutional investors. 10.4% of Touchstone Bankshares shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company will outperform the market over the long term.

Summary

West Coast Community Bancorp beats Touchstone Bankshares on 6 of the 10 factors compared between the two stocks.

About West Coast Community Bancorp

West Coast Community Bancorp operates as the bank holding company for Santa Cruz County Bank that provides a range of commercial and personal banking services to residents and businesses in the United States. It offers checking, savings, money market, certificate of deposits, and health savings accounts; and individual retirement account and retirement plans. The company also provides lending products, including real estate commercial property, construction, asset-based, lines of credit, SBA loans, 504 loan program, business and industry, farm services agency, agricultural, and wine industry lending. In addition, it provides debit and credit cards, merchant services, online and mobile banking, remote deposit services, wire and ACH manager, treasury management, payment, and cash management services. West Coast Community Bancorp was founded in 2004 and is headquartered in Santa Cruz, California.

About Touchstone Bankshares

Touchstone Bankshares, Inc. operates as the bank holding company for Touchstone Bank that provides various community banking products and services in the United States. The company offers personal and business savings and checking accounts. It also provides home mortgage, professional mortgage, home equity, auto, and personal term loans; personal lines of credit; and business loans comprising commercial real estate, operating capital, business term, and construction loans, as well as business lines of credit. In addition, the company offers credit and debit cards; and digital banking, treasury, wealth management, and financial planning services. It has branches in northern North Carolina and south-central Virginia. The company was founded in 1906 and is headquartered in Prince George, Virginia.