VersaBank (VBNK) Competitors

Triumph Financial (NASDAQ:TFIN) and VersaBank (NASDAQ:VBNK) are both small-cap finance companies, but which is the superior stock? We will contrast the two businesses based on the strength of their valuation, analyst recommendations, media sentiment, dividends, earnings, profitability, risk and institutional ownership.

Do insiders and institutionals have more ownership in TFIN or VBNK?

91.1% of Triumph Financial shares are held by institutional investors. Comparatively, 56.9% of VersaBank shares are held by institutional investors. 5.6% of Triumph Financial shares are held by company insiders. Comparatively, 5.3% of VersaBank shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company will outperform the market over the long term.

Which has higher earnings and valuation, TFIN or VBNK?

VersaBank has lower revenue, but higher earnings than Triumph Financial. VersaBank is trading at a lower price-to-earnings ratio than Triumph Financial, 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
Triumph Financial	$419.01M	3.10	$16.09M	$0.44	124.45
VersaBank	$216.31M	1.61	$29.20M	$0.79	13.63

Does the media refer more to TFIN or VBNK?

In the previous week, VersaBank had 2 more articles in the media than Triumph Financial. MarketBeat recorded 3 mentions for VersaBank and 1 mentions for Triumph Financial. Triumph Financial's average media sentiment score of 1.23 beat VersaBank's score of 0.33 indicating that Triumph Financial is being referred to more favorably in the media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Triumph Financial	1 Very Positive mention(s)	0 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive
VersaBank	0 Very Positive mention(s)	0 Positive mention(s)	3 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Neutral

Which has more volatility and risk, TFIN or VBNK?

Triumph Financial has a beta of 1.29, suggesting that its stock price is 29% more volatile than the S&P 500. Comparatively, VersaBank has a beta of 0.96, suggesting that its stock price is 4% less volatile than the S&P 500.

Is TFIN or VBNK more profitable?

VersaBank has a net margin of 10.70% compared to Triumph Financial's net margin of 2.75%. VersaBank's return on equity of 7.97% beat Triumph Financial's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Triumph Financial	2.75%	1.79%	0.25%
VersaBank	10.70%	7.97%	0.76%

Do analysts rate TFIN or VBNK?

Triumph Financial presently has a consensus price target of $70.75, suggesting a potential upside of 29.20%. VersaBank has a consensus price target of $13.95, suggesting a potential upside of 29.53%. Given VersaBank's stronger consensus rating and higher probable upside, analysts clearly believe VersaBank is more favorable than Triumph Financial.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Triumph Financial	0 Sell rating(s)	4 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	2.00
VersaBank	0 Sell rating(s)	2 Hold rating(s)	2 Buy rating(s)	0 Strong Buy rating(s)	2.50

Summary

VersaBank beats Triumph Financial on 9 of the 16 factors compared between the two stocks.