Head-To-Head Analysis: Glacier Bancorp (NASDAQ:GBCI) versus Touchstone Bankshares (OTCMKTS:TSBA)

Glacier Bancorp (NASDAQ:GBCI) and Touchstone Bankshares (OTCMKTS:TSBA) are both finance companies, but which is the superior stock? We will contrast the two companies based on the strength of their earnings, risk, analyst recommendations, dividends, valuation, profitability and institutional ownership.

Institutional & Insider Ownership

80.2% of Glacier Bancorp shares are held by institutional investors. Comparatively, 0.4% of Touchstone Bankshares shares are held by institutional investors. 0.5% of Glacier Bancorp shares are held by insiders. Comparatively, 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 stock will outperform the market over the long term.

Risk & Volatility

Glacier Bancorp has a beta of 0.82, indicating that its share price is 18% 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 Glacier Bancorp and Touchstone Bankshares’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Glacier Bancorp	14.99%	5.98%	0.68%
Touchstone Bankshares	N/A	N/A	N/A

Analyst Ratings

This is a summary of recent ratings and target prices for Glacier Bancorp and Touchstone Bankshares, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Glacier Bancorp	0	3	3	1	2.71
Touchstone Bankshares	0	0	0	0	0.00

Glacier Bancorp currently has a consensus target price of $50.50, indicating a potential upside of 1.57%. Given Glacier Bancorp’s stronger consensus rating and higher possible upside, research analysts plainly believe Glacier Bancorp is more favorable than Touchstone Bankshares.

Dividends

Glacier Bancorp pays an annual dividend of $1.32 per share and has a dividend yield of 2.7%. Touchstone Bankshares pays an annual dividend of $0.32 per share and has a dividend yield of 2.2%. Glacier Bancorp pays out 68.8% 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.

Valuation and Earnings

This table compares Glacier 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
Glacier Bancorp	$877.23 million	6.72	$190.14 million	$1.92	25.90
Touchstone Bankshares	N/A	N/A	$1.61 million	$0.65	21.92

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

Summary

Glacier Bancorp beats Touchstone Bankshares on 14 of the 16 factors compared between the two stocks.

About Glacier Bancorp

Glacier Bancorp, Inc. operates as the bank holding company for Glacier Bank that provides commercial banking services to individuals, small to medium-sized businesses, community organizations, and public entities in the United States. The company offers retail banking, business banking, and mortgage origination and loan servicing services. It also provides non-interest bearing deposit and interest bearing deposit accounts, such as negotiable order of withdrawal and demand deposit accounts, savings, money market deposits, fixed rate certificates of deposit, negotiated-rate jumbo certificates, and individual retirement accounts. In addition, the company offers construction and permanent loans on residential real estate; consumer land or lot loans; unimproved land and land development loans; and residential builder guidance lines comprising pre-sold and spec-home construction, and lot acquisition loans. Further, it provides commercial real estate loans to purchase, construct, and finance commercial real estate properties; consumer loans secured by real estate, automobiles, or other assets; home equity loans consisting of junior lien mortgages, and first and junior lien lines of credit secured by owner-occupied 1-4 family residences; and agriculture loans. Glacier Bancorp, Inc. was founded in 1955 and is headquartered in Kalispell, Montana.

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.