Virginia National Bankshares (NASDAQ:VABK) & Origin Bancorp (NYSE:OBK) Head to Head Analysis

Virginia National Bankshares (NASDAQ:VABK) and Origin Bancorp (NYSE:OBK) are both small-cap finance companies, but which is the better stock? We will compare the two companies based on the strength of their earnings, risk, analyst recommendations, profitability, institutional ownership, dividends and valuation.

Earnings and Valuation

This table compares Virginia National Bankshares and Origin Bancorp”s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Virginia National Bankshares	$83.34 million	3.12	$19.26 million	$4.56	10.50
Origin Bancorp	$420.91 million	3.97	$75.20 million	$3.20	16.93

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

Analyst Ratings

This is a breakdown of recent ratings and price targets for Virginia National Bankshares and Origin Bancorp, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Virginia National Bankshares	0	1	0	0	2.00
Origin Bancorp	0	2	5	0	2.71

Origin Bancorp has a consensus target price of $58.00, indicating a potential upside of 7.05%. Given Origin Bancorp’s stronger consensus rating and higher probable upside, analysts plainly believe Origin Bancorp is more favorable than Virginia National Bankshares.

Dividends

Virginia National Bankshares pays an annual dividend of $1.44 per share and has a dividend yield of 3.0%. Origin Bancorp pays an annual dividend of $1.00 per share and has a dividend yield of 1.8%. Virginia National Bankshares pays out 31.6% of its earnings in the form of a dividend. Origin Bancorp pays out 31.2% 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. Origin Bancorp has increased its dividend for 4 consecutive years.

Volatility & Risk

Virginia National Bankshares has a beta of 0.45, meaning that its share price is 55% less volatile than the S&P 500. Comparatively, Origin Bancorp has a beta of 0.71, meaning that its share price is 29% less volatile than the S&P 500.

Profitability

This table compares Virginia National Bankshares and Origin Bancorp’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Virginia National Bankshares	28.18%	13.36%	1.52%
Origin Bancorp	16.26%	7.97%	1.00%

Insider and Institutional Ownership

37.4% of Virginia National Bankshares shares are owned by institutional investors. Comparatively, 54.7% of Origin Bancorp shares are owned by institutional investors. 14.4% of Virginia National Bankshares shares are owned by insiders. Comparatively, 5.3% of Origin Bancorp shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company will outperform the market over the long term.

Summary

Origin Bancorp beats Virginia National Bankshares on 11 of the 17 factors compared between the two stocks.

About Virginia National Bankshares

Virginia National Bankshares Corporation operates as the holding company for Virginia National Bank that provides a range of commercial and retail banking services. The company operates through Bank, Sturman Wealth Advisors, VNB Trust and Estate Services, and Masonry Capital segments. It provides checking accounts, demand deposits, NOW accounts, money market deposit accounts, time deposits, certificates of deposit, individual retirement accounts, and other depository services. In addition, the company offers commercial and industrial loans, real estate construction and land loans, commercial real estate loans, and 1-4 family residential mortgages, as well as consumer loans comprising student loans, revolving credit, and other fixed payment loans. Further, it provides automated teller machines, internet banking, treasury, and cash management services; merchant and debit card services; and wealth and investment advisory, and brokerage services. Additionally, the company offers investment management, corporate trustee, trust and estate administration, IRA administration, house investment management, and custody services. It serves individuals, businesses, and charitable organizations in the Charlottesville/Albemarle County, Fauquier County, Manassas, Prince William County, Richmond, and Winchester market areas in Virginia. Virginia National Bankshares Corporation was founded in 1998 and is headquartered in Charlottesville, Virginia.

About Origin Bancorp

Origin Bancorp, Inc. operates as a bank holding company for Origin Bank that provides banking and financial services to small and medium-sized businesses, municipalities, high net worth individuals, and retail clients in Texas, Louisiana, and Mississippi. It offers noninterest and interest-bearing checking accounts, savings deposits, money market accounts, and time deposits; and offers commercial real estate, construction and land development, consumer, residential real estate, commercial and industrial, mortgage warehouse, residential mortgage, and paycheck protection program loans. The company also offers personal and commercial property, and casualty insurance products; and Internet banking and voice response information, mobile applications, cash management, overdraft protection, direct deposit, safe deposit box, U.S. savings bonds, and automatic account transfer services; and treasury management, mortgage origination and servicing facilities, peer-to-peer electronic pay solutions, and personal financial management solutions. As of December 31, 2021, it operated 44 banking centers. The company was founded in 1912 and is headquartered in Ruston, Louisiana.