Virginia National Bankshares Corporation (VABK) vs Western New England Bancorp (WNEB)

Virginia National Bankshares Corporation and Western New England Bancorp are both Banks Regional companies. Virginia National Bankshares Corporation and Western New England Bancorp are of similar size ($279.1M and $271.6M). Virginia National Bankshares Corporation trades at the lower P/E: 11.1× against 16.1×. Western New England Bancorp grew revenue faster over the last twelve months: 6.11% against 5.24%. Virginia National Bankshares Corporation has the higher net margin (28.2% vs 12.4%) and the higher return on invested capital (14.1% vs 5.33%). Both pay a dividend; Virginia National Bankshares Corporation yields more (2.83% vs 2.07%). Across the 19 metrics below, Virginia National Bankshares Corporation leads on 15 and Western New England Bancorp on 4.

Valuation

Metric VABK WNEB Banks Regional median
P/E 11.10 16.12 11.98
P/S 3.13 1.99 2.34
P/B 1.42 1.08 1.19
Price to free cash flow 11.98 15.53 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 9.01% 6.20% 8.23%
Free cash flow yield 8.35% 6.44% 9.08%

Profitability

Metric VABK WNEB Banks Regional median
Gross margin 72.27% 65.46% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 28.18% 12.43% 18.66%
Free cash flow margin 26.16% 12.80% 21.11%
Return on equity 13.57% 6.87% 10.65%
Return on assets 1.52% 0.62% 1.13%
Return on invested capital 14.14% 5.33% 8.35%

Growth

Metric VABK WNEB Banks Regional median
Revenue growth (TTM) 5.24% 6.11% 6.98%
EPS growth (last fiscal year) 12.70% 33.93% 18.88%
Revenue growth, 5-year CAGR 19.78% 7.32% 12.38%
Net income growth, 5-year CAGR 19.28% 6.37% 9.71%

Health

Metric VABK WNEB Banks Regional median
Debt to equity 0.10 0.18 0.22
Current ratio 0.93 0.92 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric VABK WNEB Banks Regional median
Dividend yield 2.83% 2.07% 2.57%
Payout ratio 0.32 0.33 0.30

Size

Metric VABK WNEB Banks Regional median
Market cap 279.11m 271.62m 913.33m

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