Oxford Bank (OTCMKTS:OXBC – Get Rating) and VersaBank (NASDAQ:VBNK – Get Rating) are both small-cap finance companies, but which is the better business? We will compare the two businesses based on the strength of their analyst recommendations, profitability, valuation, institutional ownership, earnings, risk and dividends.
Risk & Volatility
Oxford Bank has a beta of 0.43, meaning that its stock price is 57% less volatile than the S&P 500. Comparatively, VersaBank has a beta of 0.44, meaning that its stock price is 56% less volatile than the S&P 500.
Get Oxford Bank alerts:Profitability
This table compares Oxford Bank and VersaBank's net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Oxford Bank | N/A | N/A | N/A |
| VersaBank | 17.14% | 6.54% | 0.79% |
Insider & Institutional Ownership
4.6% of Oxford Bank shares are held by institutional investors. Comparatively, 30.2% of VersaBank shares are held by institutional investors. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock will outperform the market over the long term.Analyst Ratings
This is a breakdown of recent ratings and recommmendations for Oxford Bank and VersaBank, as provided by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Oxford Bank | 0 | 0 | 0 | 0 | N/A |
| VersaBank | 0 | 0 | 2 | 0 | 3.00 |
VersaBank has a consensus price target of $9.00, indicating a potential upside of 15.09%. Given VersaBank's higher probable upside, analysts clearly believe VersaBank is more favorable than Oxford Bank.
Valuation & Earnings
This table compares Oxford Bank and VersaBank's top-line revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Oxford Bank | N/A | N/A | $10.56 million | $3.04 | 10.10 |
| VersaBank | $102.93 million | 2.07 | $17.60 million | $0.61 | 12.82 |
VersaBank has higher revenue and earnings than Oxford Bank. Oxford Bank is trading at a lower price-to-earnings ratio than VersaBank, indicating that it is currently the more affordable of the two stocks.
Summary
VersaBank beats Oxford Bank on 10 of the 11 factors compared between the two stocks.
About Oxford Bank
(Get Rating)
Oxford Bank Corporation provides banking products and services to various customers in Michigan. Its deposit products include savings, checking, and individual retirement accounts, as well as certificates of deposit. The company's loan portfolio comprises home mortgage, home equity, auto, student, term, commercial real estate, and small business administration loans, as well as lines of credit. It also offers cash management, merchant card, remote deposit capture, payroll, overdraft protection, wire transfer, night depository, and notary services, as well as safe deposit box and interactive teller machine services; online, telephone, and mobile banking services; debit and credit cards; and insurance products. The company operates its branches in Clarkston, Davison, Dryden, Lake Orion, Ortonville, Oxford, and Oakland. Oxford Bank Corporation was founded in 1884 and is based in Oxford, Michigan.
About VersaBank
(Get Rating)
VersaBank engages in the provision of financial services. It operates through Digital Banking and DRTC. The Digital Banking segment offers business to business model using its financial technoolgy to address issues in the US banking market. The DRTC segment refers to developed IT security software and capabilities. The company was founded by David Roy Taylor on January 18, 1993 and is headquartered in London, Canada.
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