BOK Financial (NASDAQ:BOKF) & Virginia National Bankshares (NASDAQ:VABK) Head-To-Head Contrast

BOK Financial (NASDAQ:BOKF) and Virginia National Bankshares (NASDAQ:VABK) are both finance companies, but which is the superior business? We will compare the two businesses based on the strength of their earnings, valuation, analyst recommendations, profitability, dividends, institutional ownership and risk.

Valuation and Earnings

This table compares BOK Financial and Virginia National Bankshares”s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
BOK Financial	$3.48 billion	2.06	$530.75 million	$8.13	13.76
Virginia National Bankshares	$53.06 million	3.71	$19.26 million	$3.15	11.63

BOK Financial has higher revenue and earnings than Virginia National Bankshares. Virginia National Bankshares is trading at a lower price-to-earnings ratio than BOK Financial, indicating that it is currently the more affordable of the two stocks.

Analyst Ratings

This is a summary of current ratings for BOK Financial and Virginia National Bankshares, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
BOK Financial	0	6	4	0	2.40
Virginia National Bankshares	0	0	0	0	0.00

BOK Financial presently has a consensus price target of $116.40, indicating a potential upside of 4.03%. Given BOK Financial’s stronger consensus rating and higher probable upside, equities research analysts plainly believe BOK Financial is more favorable than Virginia National Bankshares.

Profitability

This table compares BOK Financial and Virginia National Bankshares’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
BOK Financial	15.32%	9.96%	1.06%
Virginia National Bankshares	18.95%	9.96%	0.97%

Institutional and Insider Ownership

34.4% of BOK Financial shares are owned by institutional investors. Comparatively, 37.4% of Virginia National Bankshares shares are owned by institutional investors. 56.9% of BOK Financial shares are owned by insiders. Comparatively, 13.9% of Virginia National Bankshares shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock will outperform the market over the long term.

Dividends

BOK Financial pays an annual dividend of $2.28 per share and has a dividend yield of 2.0%. Virginia National Bankshares pays an annual dividend of $1.32 per share and has a dividend yield of 3.6%. BOK Financial pays out 28.0% of its earnings in the form of a dividend. Virginia National Bankshares pays out 41.9% 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 the next several years. BOK Financial has raised its dividend for 19 consecutive years.

Volatility and Risk

BOK Financial has a beta of 1.2, meaning that its stock price is 20% more volatile than the S&P 500. Comparatively, Virginia National Bankshares has a beta of 0.47, meaning that its stock price is 53% less volatile than the S&P 500.

Summary

BOK Financial beats Virginia National Bankshares on 12 of the 16 factors compared between the two stocks.

About BOK Financial

BOK Financial Corporation operates as the financial holding company for BOKF, NA that provides various financial products and services in Oklahoma, Texas, New Mexico, Northwest Arkansas, Colorado, Arizona, and Kansas/Missouri. It operates through three segments: Commercial Banking, Consumer Banking, and Wealth Management. The Commercial Banking segment offers lending, treasury, cash management, and customer commodity risk management products for small businesses, middle market, and larger commercial customers, as well as operates TransFund electronic funds transfer network. The Consumer Banking segment engages in the provision of retail lending and deposit services to small business customers through retail branch network; and mortgage loan origination and servicing activities. The Wealth Management segment offers fiduciary, private bank, insurance, and investment advisory services; and brokerage and trading services primarily related to providing liquidity to the mortgage markets through trading of U.S. government agency mortgage-backed securities and related derivative contracts, as well as underwrites state and municipal securities. The company also provides commercial loans, such as loans for working capital, facilities acquisition or expansion, purchases of equipment, and other needs of commercial customers; and service, healthcare, manufacturing, wholesale/retail, energy, and other sector loans. In addition, it offers commercial real estate loans for the construction of buildings or other improvements to real estate and property held by borrowers for investment purposes; residential mortgage and personal loans; and automated teller machine, call center, and Internet and mobile banking services. The company was founded in 1910 and is headquartered in Tulsa, Oklahoma.

About Virginia National Bankshares

Virginia National Bankshares Corporation operates as the holding company for Virginia National Bank that provides a range of commercial and retail banking services. The company operates through Bank, Sturman Wealth Advisors, VNB Trust and Estate Services, and Masonry Capital segments. It provides checking accounts, demand deposits, NOW accounts, money market deposit accounts, time deposits, certificates of deposit, individual retirement accounts, and other depository services. In addition, the company offers commercial and industrial loans, real estate construction and land loans, commercial real estate loans, and 1-4 family residential mortgages, as well as consumer loans comprising student loans, revolving credit, and other fixed payment loans. Further, it provides automated teller machines, internet banking, treasury, and cash management services; merchant and debit card services; and wealth and investment advisory, and brokerage services. Additionally, the company offers investment management, corporate trustee, trust and estate administration, IRA administration, house investment management, and custody services. It serves individuals, businesses, and charitable organizations in the Charlottesville/Albemarle County, Fauquier County, Manassas, Prince William County, Richmond, and Winchester market areas in Virginia. Virginia National Bankshares Corporation was founded in 1998 and is headquartered in Charlottesville, Virginia.