VBNK Quote, Financials, Valuation and Earnings

Blue Ridge Bankshares, Inc. (Virginia) has a net margin of 8.68% compared to VersaBank's net margin of 14.05%. VersaBank's return on equity of 6.02% beat Blue Ridge Bankshares, Inc. (Virginia)'s return on equity of 1.31%.

VersaBank has a consensus price target of $11.50, signalling downside risk potential of -6.88%. On the other hand Blue Ridge Bankshares, Inc. (Virginia) has an analysts' consensus of -- which suggests that it could fall by --. Given that VersaBank has higher upside potential than Blue Ridge Bankshares, Inc. (Virginia), analysts believe VersaBank is more attractive than Blue Ridge Bankshares, Inc. (Virginia).

VersaBank has a beta of 0.776, which suggesting that the stock is 22.363% less volatile than S&P 500. In comparison Blue Ridge Bankshares, Inc. (Virginia) has a beta of 0.898, suggesting its less volatile than the S&P 500 by 10.177%.

VersaBank has a quarterly dividend of $0.02 per share corresponding to a yield of 0.58%. Blue Ridge Bankshares, Inc. (Virginia) offers a yield of 0% to investors and pays a quarterly dividend of $0.25 per share. VersaBank pays 6.7% of its earnings as a dividend. Blue Ridge Bankshares, Inc. (Virginia) pays out -- of its earnings as a dividend. VersaBank's payout ratio is sufficient to cover dividend payouts with earnings for the foreseeable future.

VersaBank quarterly revenues are $55.2M, which are larger than Blue Ridge Bankshares, Inc. (Virginia) quarterly revenues of $39.9M. VersaBank's net income of $4.8M is lower than Blue Ridge Bankshares, Inc. (Virginia)'s net income of $5.6M. Notably, VersaBank's price-to-earnings ratio is 18.21x while Blue Ridge Bankshares, Inc. (Virginia)'s PE ratio is 107.64x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for VersaBank is 1.72x versus 2.50x for Blue Ridge Bankshares, Inc. (Virginia). Usually stocks with elevated PS ratios are considered overvalued.

OptimumBank Holdings, Inc. has a net margin of 8.68% compared to VersaBank's net margin of 23.62%. VersaBank's return on equity of 6.02% beat OptimumBank Holdings, Inc.'s return on equity of 14.8%.

VersaBank has a consensus price target of $11.50, signalling downside risk potential of -6.88%. On the other hand OptimumBank Holdings, Inc. has an analysts' consensus of $5.00 which suggests that it could grow by 21.95%. Given that OptimumBank Holdings, Inc. has higher upside potential than VersaBank, analysts believe OptimumBank Holdings, Inc. is more attractive than VersaBank.

VersaBank has a beta of 0.776, which suggesting that the stock is 22.363% less volatile than S&P 500. In comparison OptimumBank Holdings, Inc. has a beta of 0.287, suggesting its less volatile than the S&P 500 by 71.332%.

VersaBank has a quarterly dividend of $0.02 per share corresponding to a yield of 0.58%. OptimumBank Holdings, Inc. offers a yield of 0% to investors and pays a quarterly dividend of $0.00 per share. VersaBank pays 6.7% of its earnings as a dividend. OptimumBank Holdings, Inc. pays out -- of its earnings as a dividend. VersaBank's payout ratio is sufficient to cover dividend payouts with earnings for the foreseeable future.

VersaBank quarterly revenues are $55.2M, which are larger than OptimumBank Holdings, Inc. quarterly revenues of $18.3M. VersaBank's net income of $4.8M is higher than OptimumBank Holdings, Inc.'s net income of $4.3M. Notably, VersaBank's price-to-earnings ratio is 18.21x while OptimumBank Holdings, Inc.'s PE ratio is 3.57x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for VersaBank is 1.72x versus 0.88x for OptimumBank Holdings, Inc.. Usually stocks with elevated PS ratios are considered overvalued.

Park National Corp. has a net margin of 8.68% compared to VersaBank's net margin of 27.82%. VersaBank's return on equity of 6.02% beat Park National Corp.'s return on equity of 13.78%.

VersaBank has a consensus price target of $11.50, signalling downside risk potential of -6.88%. On the other hand Park National Corp. has an analysts' consensus of $180.33 which suggests that it could grow by 15.01%. Given that Park National Corp. has higher upside potential than VersaBank, analysts believe Park National Corp. is more attractive than VersaBank.

VersaBank has a beta of 0.776, which suggesting that the stock is 22.363% less volatile than S&P 500. In comparison Park National Corp. has a beta of 0.734, suggesting its less volatile than the S&P 500 by 26.635%.

VersaBank has a quarterly dividend of $0.02 per share corresponding to a yield of 0.58%. Park National Corp. offers a yield of 2.73% to investors and pays a quarterly dividend of $2.32 per share. VersaBank pays 6.7% of its earnings as a dividend. Park National Corp. pays out 45.49% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

VersaBank quarterly revenues are $55.2M, which are smaller than Park National Corp. quarterly revenues of $169.5M. VersaBank's net income of $4.8M is lower than Park National Corp.'s net income of $47.2M. Notably, VersaBank's price-to-earnings ratio is 18.21x while Park National Corp.'s PE ratio is 14.45x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for VersaBank is 1.72x versus 3.85x for Park National Corp.. Usually stocks with elevated PS ratios are considered overvalued.

Tompkins Financial Corp. has a net margin of 8.68% compared to VersaBank's net margin of 19.46%. VersaBank's return on equity of 6.02% beat Tompkins Financial Corp.'s return on equity of 11.34%.

VersaBank has a consensus price target of $11.50, signalling downside risk potential of -6.88%. On the other hand Tompkins Financial Corp. has an analysts' consensus of $77.00 which suggests that it could grow by 7.41%. Given that Tompkins Financial Corp. has higher upside potential than VersaBank, analysts believe Tompkins Financial Corp. is more attractive than VersaBank.

VersaBank has a beta of 0.776, which suggesting that the stock is 22.363% less volatile than S&P 500. In comparison Tompkins Financial Corp. has a beta of 0.823, suggesting its less volatile than the S&P 500 by 17.709%.

VersaBank has a quarterly dividend of $0.02 per share corresponding to a yield of 0.58%. Tompkins Financial Corp. offers a yield of 3.5% to investors and pays a quarterly dividend of $0.65 per share. VersaBank pays 6.7% of its earnings as a dividend. Tompkins Financial Corp. pays out 49.14% of its earnings as a dividend. Both of these payout ratios are sufficient to cover dividend payouts with earnings for the foreseeable future.

VersaBank quarterly revenues are $55.2M, which are smaller than Tompkins Financial Corp. quarterly revenues of $121.7M. VersaBank's net income of $4.8M is lower than Tompkins Financial Corp.'s net income of $23.7M. Notably, VersaBank's price-to-earnings ratio is 18.21x while Tompkins Financial Corp.'s PE ratio is 12.16x. Generally a lower price-to-earnings ratio signals a stock is trading at a lower multiple of earnings and is a better value. Another key metric is the price-to-sales ratio, which for VersaBank is 1.72x versus 2.21x for Tompkins Financial Corp.. Usually stocks with elevated PS ratios are considered overvalued.