Blue Ridge Bankshares (NASDAQ:BRBS – Get Rating) and Peoples Financial (OTCMKTS:PFBX – Get Rating) are both small-cap financial companies, but which stock is the better one? We’ll compare the two companies based on the strength of their dividends, earnings, analyst recommendations, risk, profitability, valuation, and institutional ownership.
Blue Ridge Bankshares pays an annual dividend of $0.49 per share and has a dividend yield of 3.2%. Peoples Financial pays an annual dividend of $0.18 per share and has a dividend yield of 1.1%. Blue Ridge Bankshares pays out 13.9% of its earnings in the form of a dividend. Peoples Financial pays out 16.8% 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 years to come. Peoples Financial has increased its dividend for two straight years. Blue Ridge Bankshares is clearly the better dividend stock due to its higher yield and lower payout ratio.
evaluation and result
This table compares the revenue, earnings per share (EPS), and valuation of Blue Ridge Bankshares and Peoples Financial.
|gross receipts||price/sales ratio||net income||earnings per share||price-earnings ratio|
|Blue Ridge Bank Stocks||$191.50 million||1.50||$52.48 million||$3.53||4.34|
|peoples finance||$26.76 million||2.80||$8.58 million||$1.07||14.94|
Blue Ridge Bankshares has higher revenues and profits than Peoples Financial. Blue Ridge Bankshares is trading at a lower price-to-earnings multiple than Peoples Financial, suggesting it’s the cheaper of the two stocks at the moment.
Institutional and Insider Ownership
Institutional investors hold 49.5% of Blue Ridge Bankshares shares. In comparison, 11.4% of Peoples Financial’s shares are held by institutional investors. 28.1% of Peoples Financial’s shares are held by company insiders. Strong institutional ownership is an indication that endowments, hedge funds, and large money managers believe a stock is poised for long-term growth.
This table compares the net margins, return on equity, and return on total assets of Blue Ridge Bankshares and Peoples Financial.
|net margins||return on equity||return on investment|
|Blue Ridge Bank Stocks||32.51%||24.02%||2.45%|
This is a summary of the latest recommendations and price targets for Blue Ridge Bankshares and Peoples Financial, as provided by MarketBeat.com.
|sell reviews||keep ratings||Buy reviews||Strong buy recommendations||rating score|
|Blue Ridge Bank Stocks||0||0||0||0||N / A|
|peoples finance||0||0||0||0||N / A|
Blue Ridge Bankshares beats Peoples Financial on 9 of the 13 factors compared between the two stocks.
Company Profile of Blue Ridge Bankshares (get rating)
Blue Ridge Bankshares, Inc. acts as the bank holding company for Blue Ridge Bank, National Association, which 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 mortgages, residential mortgages, commercial mortgages, home equity, consumer installments, and guaranteed government loans; and mortgage loans on real estate. In addition, it offers remittance, direct deposit payroll, remote deposit, payroll, e-statement and other services. and property and casualty insurance products for individuals and businesses, as well as online, mobile and phone banking services. In addition, the company offers employee benefit plans and administrative services; management services for private and corporate trusts, including estate planning and administration, and trusteeship, investment and wealth management and other insurance products; and wholesale and third-party home mortgage origination services to other financial institutions and credit unions. It has offices 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.
Company Profile of Peoples Financial (get rating)
Peoples Financial Corporation acts as the banking holding company for Peoples Bank, which provides banking, financial, and trustee services to Mississippi governments, individuals, and small and commercial businesses. It accepts various deposits such as B. Interest-bearing and non-interest-bearing checking accounts, savings accounts, certificates of deposit, and Individual Retirement Accounts (IRAs). The company also offers business, trade, real estate, construction, personal and installment loans; and personal trust, agency, and probate services, including living and testamentary trusts, executors, guardians, and conservators. In addition, it offers self-directed IRAs; and trusteeship, securities transfer and paying agency accounts for corporate clients. In addition, the company offers various other services including locker rental, bank transfers, night handling facilities, collections, cash management and internet banking services. As of December 31, 2021, the Company operated through 17 offices in Harrison, Hancock, Jackson and Stone counties. It also has 28 ATMs at its branches as well as other external and non-proprietary locations. The company was founded in 1896 and is headquartered in Biloxi, Mississippi.
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