Contrasting Touchstone Bankshares (OTCMKTS:TSBA) & Blue Ridge Bankshares (NASDAQ:BRBS)

Earnings and Valuation

This table compares Blue Ridge Bankshares and Touchstone Bankshares”s revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Blue Ridge Bankshares	$91.70 million	3.94	-$15.39 million	$0.10	39.55
Touchstone Bankshares	N/A	N/A	$1.61 million	$0.65	21.92

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

Risk and Volatility

Blue Ridge Bankshares has a beta of 0.84, indicating that its share price is 16% less volatile than the S&P 500. Comparatively, Touchstone Bankshares has a beta of 0.61, indicating that its share price is 39% less volatile than the S&P 500.

Profitability

This table compares Blue Ridge Bankshares and Touchstone Bankshares’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Blue Ridge Bankshares	-8.84%	-5.48%	-0.52%
Touchstone Bankshares	N/A	N/A	N/A

Insider and Institutional Ownership

50.5% of Blue Ridge Bankshares shares are held by institutional investors. Comparatively, 0.4% of Touchstone Bankshares shares are held by institutional investors. 4.9% of Blue Ridge Bankshares shares are held by insiders. Comparatively, 10.4% of Touchstone Bankshares shares are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.

Dividends

Blue Ridge Bankshares pays an annual dividend of $0.49 per share and has a dividend yield of 12.4%. Touchstone Bankshares pays an annual dividend of $0.32 per share and has a dividend yield of 2.2%. Blue Ridge Bankshares pays out 490.0% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future. Touchstone Bankshares pays out 49.2% of its earnings in the form of a dividend. Blue Ridge Bankshares has raised its dividend for 10 consecutive years. Blue Ridge Bankshares is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Summary

Touchstone Bankshares beats Blue Ridge Bankshares on 8 of the 13 factors compared between the two stocks.

About Blue Ridge Bankshares

Blue Ridge Bankshares, Inc. operates as a bank holding company for the Blue Ridge Bank, National Association that provides commercial and consumer banking, and financial services. It operates through: Commercial Banking and Mortgage Banking segments. The company accepts checking, savings, money market, cash management, and individual retirement accounts, as well as certificates of deposit. It also offers commercial and industrial, residential mortgages, commercial mortgages, home equity, consumer installment, and guaranteed government loans; and residential mortgage loans and mortgages loans on real estate. In addition, it provides wire, direct deposit payroll, remote deposit, electronic statement, and other services; and property and casualty insurance products to individuals and businesses, as well as online, mobile, and telephone banking services. Further, the company offers employee benefit plans and administration services; management services for personal and corporate trusts, including estate planning and settlement, and trust administration, investment and wealth management services. It operates in Callao, Charlottesville, Chester, Colonial Heights, Culpeper, Fredericksburg, Gordonsville, Harrisonburg, Hartfield, Henrico, Kilmarnock, Louisa, Luray, Martinsville, Midlothian, Mineral, Montross, Orange, Petersburg, Richmond, Shenandoah, Suffolk, Virginia Beach, Warsaw, and White Stone, Virginia; and Greensboro, North Carolina. The company was founded in 1893 and is headquartered in Charlottesville, Virginia.

About Touchstone Bankshares

Touchstone Bankshares, Inc. operates as the bank holding company for Touchstone Bank that provides various community banking products and services in the United States. The company offers personal and business savings and checking accounts. It also provides home mortgage, professional mortgage, home equity, auto, and personal term loans; personal lines of credit; and business loans comprising commercial real estate, operating capital, business term, and construction loans, as well as business lines of credit. In addition, the company offers credit and debit cards; and digital banking, treasury, wealth management, and financial planning services. It has branches in northern North Carolina and south-central Virginia. The company was founded in 1906 and is headquartered in Prince George, Virginia.