Virginia National Bankshares (NASDAQ:VABK – Get Free Report) and Freedom Financial (OTCMKTS:FDVA – Get Free Report) are both small-cap finance companies, but which is the superior investment? We will compare the two businesses based on the strength of their dividends, analyst recommendations, valuation, institutional ownership, earnings, profitability and risk.
Risk & Volatility
Virginia National Bankshares has a beta of 0.45, indicating that its stock price is 55% less volatile than the S&P 500. Comparatively, Freedom Financial has a beta of 0.08, indicating that its stock price is 92% less volatile than the S&P 500.
Earnings & Valuation
This table compares Virginia National Bankshares and Freedom Financial”s gross 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 | 2.95 | $19.26 million | $3.69 | 12.27 |
| Freedom Financial | $63.61 million | 1.35 | $380,000.00 | ($0.07) | -172.86 |
Virginia National Bankshares has higher revenue and earnings than Freedom Financial. Freedom Financial 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.
Profitability
This table compares Virginia National Bankshares and Freedom Financial’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Virginia National Bankshares | 24.15% | 11.15% | 1.23% |
| Freedom Financial | -0.78% | -0.57% | -0.05% |
Insider and Institutional Ownership
37.4% of Virginia National Bankshares shares are owned by institutional investors. 14.4% of Virginia National Bankshares shares are owned by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock will outperform the market over the long term.
Analyst Ratings
This is a breakdown of current ratings and price targets for Virginia National Bankshares and Freedom Financial, as reported by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Virginia National Bankshares | 0 | 1 | 0 | 0 | 2.00 |
| Freedom Financial | 0 | 0 | 0 | 0 | 0.00 |
Summary
Virginia National Bankshares beats Freedom Financial on 12 of the 12 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 Freedom Financial
Freedom Financial Holdings, Inc. operates as the bank holding company for The Freedom Bank of Virginia that provides commercial banking, personal banking, and mortgage banking solutions. The company offers personal and business checking accounts, interest bearing business savings accounts, money market accounts, personal savings accounts, certificates of deposits, and IRAs, as well as insured cash sweep and certificate of deposit account registry services. It also provides business term, personal, and mortgage loans; commercial lines of credit; commercial real estate mortgage and small business lending services; home equity lines; and credit cards. In addition, the company offers treasury management, online and mobile banking, remote deposit capture, ACH, and wire transfer services; business valuation, bank-at-work, and merchant services; and prestige banking services. The company was founded in 2001 and is headquartered in Fairfax, Virginia.
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