California BanCorp (NASDAQ:BCAL) versus Virginia National Bankshares (NASDAQ:VABK) Financial Contrast

California BanCorp (NASDAQ:BCALGet Free Report) and Virginia National Bankshares (NASDAQ:VABKGet Free Report) are both small-cap finance companies, but which is the better investment? We will contrast the two companies based on the strength of their analyst recommendations, valuation, profitability, risk, dividends, earnings and institutional ownership.

Risk and Volatility

California BanCorp has a beta of 1.21, suggesting that its stock price is 21% more volatile than the S&P 500. Comparatively, Virginia National Bankshares has a beta of 0.44, suggesting that its stock price is 56% less volatile than the S&P 500.

Profitability

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

Net Margins Return on Equity Return on Assets
California BanCorp 8.21% 9.54% 1.19%
Virginia National Bankshares 21.32% 11.01% 1.11%

Analyst Ratings

This is a summary of current ratings and price targets for California BanCorp and Virginia National Bankshares, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
California BanCorp 0 0 2 0 3.00
Virginia National Bankshares 0 0 0 0 0.00

California BanCorp presently has a consensus target price of $19.50, indicating a potential upside of 37.23%. Given California BanCorp’s stronger consensus rating and higher possible upside, analysts plainly believe California BanCorp is more favorable than Virginia National Bankshares.

Valuation and Earnings

This table compares California BanCorp and Virginia National Bankshares”s gross revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
California BanCorp $184.56 million 2.50 $5.43 million $0.45 31.58
Virginia National Bankshares $83.52 million 2.36 $16.97 million $3.30 11.10

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

Institutional and Insider Ownership

55.4% of California BanCorp shares are owned by institutional investors. Comparatively, 37.4% of Virginia National Bankshares shares are owned by institutional investors. 14.8% of California BanCorp shares are owned by insiders. Comparatively, 14.0% of Virginia National Bankshares shares are owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock will outperform the market over the long term.

Summary

California BanCorp beats Virginia National Bankshares on 10 of the 14 factors compared between the two stocks.

About California BanCorp

(Get Free Report)

Southern California Bancorp operates as the holding company for Bank of Southern California, N.A. that provides various financial products to individuals, professionals, and small-to medium-sized businesses. The company offers checking, personal and business savings, and money market accounts, as well as certificates of deposit. It also provides home equity lines of credit, business loans and lines of credit, commercial real estate and construction loans, small business administration loans, letters of credit, and personal and business credit cards. In addition, the company provides cash vault, sweep accounts, and remote deposit capture services; online and mobile banking services; courier service; lockbox services; and merchant services. It operates branches in San Diego, Orange, Ventura, Los Angeles, and Riverside counties, as well as the Inland Empire. The company was founded in 2001 and is headquartered in San Diego, California.

About Virginia National Bankshares

(Get Free Report)

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.

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