Analyzing Bancorp (NASDAQ:TBBK) and Virginia National Bankshares (NASDAQ:VABK)

Virginia National Bankshares (NASDAQ:VABK) and Bancorp (NASDAQ:TBBK) are both finance companies, but which is the superior business? We will contrast the two companies based on the strength of their earnings, analyst recommendations, dividends, risk, institutional ownership, profitability and valuation.

Institutional and Insider Ownership

37.4% of Virginia National Bankshares shares are owned by institutional investors. Comparatively, 96.2% of Bancorp shares are owned by institutional investors. 13.9% of Virginia National Bankshares shares are owned by company insiders. Comparatively, 5.2% of Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term growth.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Virginia National Bankshares	18.95%	9.96%	0.97%
Bancorp	30.97%	26.63%	2.69%

Volatility and Risk

Virginia National Bankshares has a beta of 0.46, indicating that its stock price is 54% less volatile than the S&P 500. Comparatively, Bancorp has a beta of 1.46, indicating that its stock price is 46% more volatile than the S&P 500.

Analyst Ratings

This is a summary of current recommendations for Virginia National Bankshares and Bancorp, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Virginia National Bankshares	0	0	0	0	0.00
Bancorp	0	0	3	0	3.00

Bancorp has a consensus price target of $55.00, indicating a potential downside of 1.22%. Given Bancorp’s stronger consensus rating and higher possible upside, analysts plainly believe Bancorp is more favorable than Virginia National Bankshares.

Valuation & Earnings

This table compares Virginia National Bankshares and 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	$79.09 million	2.90	$19.26 million	$2.89	14.77
Bancorp	$621.60 million	4.29	$192.30 million	$3.96	14.06

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

Summary

Bancorp beats Virginia National Bankshares on 12 of the 14 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 Bancorp

The Bancorp, Inc. operates as the bank holding company for The Bancorp Bank, National Association that provides banking products and services in the United States. It offers a range of deposit products and services, including checking, savings, time, money market, and commercial accounts; overdrafts; and certificates of deposit. The company also provides securities-backed lines of credit and insurance policy cash value-backed lines of credit; investor advisor financing; lease financing for commercial and government vehicle fleets, including trucks and other special purpose vehicles; commercial real estate bridge loans; and small business administration loans. In addition, it offers bill and other payment services; debit and prepaid card issuing services; card and bill payment, and automated clearing house processing services; and internet banking services. The company was incorporated in 1999 and is headquartered in Wilmington, Delaware.