Risk & Volatility
Virginia National Bankshares has a beta of 0.43, meaning that its stock price is 57% less volatile than the S&P 500. Comparatively, MainStreet Bank has a beta of 0.61, meaning that its stock price is 39% less volatile than the S&P 500.
Profitability
This table compares Virginia National Bankshares and MainStreet Bank’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Virginia National Bankshares | 21.39% | 10.78% | 1.10% |
| MainStreet Bank | -6.34% | 3.72% | 0.32% |
Earnings & Valuation
This table compares Virginia National Bankshares and MainStreet Bank”s revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Virginia National Bankshares | $83.52 million | 2.46 | $16.97 million | $3.31 | 11.53 |
| MainStreet Bank | $137.87 million | 1.16 | -$9.98 million | ($1.46) | -14.23 |
Virginia National Bankshares has higher earnings, but lower revenue than MainStreet Bank. MainStreet Bank 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.
Dividends
Virginia National Bankshares pays an annual dividend of $1.44 per share and has a dividend yield of 3.8%. MainStreet Bank pays an annual dividend of $0.40 per share and has a dividend yield of 1.9%. Virginia National Bankshares pays out 43.5% of its earnings in the form of a dividend. MainStreet Bank pays out -27.4% 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.
Institutional & Insider Ownership
37.4% of Virginia National Bankshares shares are held by institutional investors. Comparatively, 52.3% of MainStreet Bank shares are held by institutional investors. 14.0% of Virginia National Bankshares shares are held by insiders. Comparatively, 9.3% of MainStreet Bank shares are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.
Summary
Virginia National Bankshares beats MainStreet Bank on 9 of the 13 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 MainStreet Bank
MainStreet Bancshares, Inc. operates as the bank holding company for MainStreet Bank that provides various banking products and services for individuals, small to medium-sized businesses, and professional service organizations. The company offers demand, NOW, money market, savings, and sweep accounts, as well as certificates of deposit; business and consumer checking, interest-bearing checking, business account analysis, and other depository services; and cash management, wire transfer, check imaging, bill pay, remote deposit capture, and courier services. It also provides commercial loans, include government contract receivables, plant and equipment, general working capital, contract administration, and acquisition loans; commercial real estate, real estate construction, and residential real estate loans; and consumer loans comprising term loans and overdraft protection, as well as debit and credit cards. In addition, the company offers deposit insurance solutions; remote deposit of checks; and internet bill payment, online cash management, and online and mobile banking services. It operates in Herndon, Fairfax, McLean, Leesburg, Clarendon, and Washington D.C., as well as automated teller machines. The company was incorporated in 2003 and is headquartered in Fairfax, Virginia.
Receive News & Ratings for Virginia National Bankshares Daily - Enter your email address below to receive a concise daily summary of the latest news and analysts' ratings for Virginia National Bankshares and related companies with MarketBeat.com's FREE daily email newsletter.
