Virginia National Bankshares (VABK) Competitors

Virginia National Bankshares (NASDAQ:VABK) and Old Second Bancorp (NASDAQ:OSBC) are both small-cap finance companies, but which is the better investment? We will compare the two businesses based on the strength of their earnings, risk, profitability, dividends, analyst recommendations, valuation, institutional ownership, community ranking and media sentiment.

Is VABK or OSBC more profitable?

Old Second Bancorp has a net margin of 24.95% compared to Virginia National Bankshares' net margin of 20.32%. Old Second Bancorp's return on equity of 13.73% beat Virginia National Bankshares' return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Virginia National Bankshares	20.32%	10.77%	1.06%
Old Second Bancorp	24.95%	13.73%	1.52%

Does the MarketBeat Community favor VABK or OSBC?

Old Second Bancorp received 330 more outperform votes than Virginia National Bankshares when rated by MarketBeat users.

Company	Underperform	Outperform
Virginia National Bankshares	N/A	N/A
Old Second Bancorp	Outperform Votes 330 59.14%	Underperform Votes 228 40.86%

Which has better earnings & valuation, VABK or OSBC?

Old Second Bancorp has higher revenue and earnings than Virginia National Bankshares. Old Second Bancorp 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.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Virginia National Bankshares	$53.06M	3.61	$16.97M	$3.15	11.31
Old Second Bancorp	$279.90M	2.46	$85.26M	$1.87	8.17

Do analysts prefer VABK or OSBC?

Old Second Bancorp has a consensus price target of $20.90, indicating a potential upside of 36.78%. Given Old Second Bancorp's stronger consensus rating and higher possible upside, analysts plainly believe Old Second Bancorp is more favorable than Virginia National Bankshares.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Virginia National Bankshares	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	0.00
Old Second Bancorp	0 Sell rating(s)	1 Hold rating(s)	3 Buy rating(s)	1 Strong Buy rating(s)	3.00

Does the media favor VABK or OSBC?

In the previous week, Old Second Bancorp had 2 more articles in the media than Virginia National Bankshares. MarketBeat recorded 3 mentions for Old Second Bancorp and 1 mentions for Virginia National Bankshares. Old Second Bancorp's average media sentiment score of 1.04 beat Virginia National Bankshares' score of 0.47 indicating that Old Second Bancorp is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Virginia National Bankshares	1 Very Positive mention(s)	0 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Neutral
Old Second Bancorp	2 Very Positive mention(s)	0 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Which has more risk and volatility, VABK or OSBC?

Virginia National Bankshares has a beta of 0.46, suggesting that its share price is 54% less volatile than the S&P 500. Comparatively, Old Second Bancorp has a beta of 1.04, suggesting that its share price is 4% more volatile than the S&P 500.

Is VABK or OSBC a better dividend stock?

Virginia National Bankshares pays an annual dividend of $1.32 per share and has a dividend yield of 3.7%. Old Second Bancorp pays an annual dividend of $0.24 per share and has a dividend yield of 1.6%. Virginia National Bankshares pays out 41.9% of its earnings in the form of a dividend. Old Second Bancorp pays out 12.8% 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.

Do institutionals & insiders hold more shares of VABK or OSBC?

37.4% of Virginia National Bankshares shares are owned by institutional investors. Comparatively, 67.8% of Old Second Bancorp shares are owned by institutional investors. 13.9% of Virginia National Bankshares shares are owned by insiders. Comparatively, 3.8% of Old Second Bancorp shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.

Summary

Old Second Bancorp beats Virginia National Bankshares on 15 of the 20 factors compared between the two stocks.