Touchstone Bankshares (OTCMKTS:TSBA) versus Origin Bancorp (NASDAQ:OBNK) Financial Review

Institutional and Insider Ownership

47.2% of Origin Bancorp shares are owned by institutional investors. Comparatively, 0.4% of Touchstone Bankshares shares are owned by institutional investors. 6.2% of Origin Bancorp shares are owned by insiders. Comparatively, 10.4% of Touchstone Bankshares shares are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company will outperform the market over the long term.

Valuation & Earnings

This table compares Origin Bancorp and Touchstone Bankshares”s revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Origin Bancorp	$347.14 million	3.53	$87.71 million	$3.21	12.39
Touchstone Bankshares	N/A	N/A	$1.61 million	$0.65	21.92

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

Volatility and Risk

Origin Bancorp has a beta of 0.89, suggesting that its share price is 11% less volatile than the S&P 500. Comparatively, Touchstone Bankshares has a beta of 0.61, suggesting that its share price is 39% less volatile than the S&P 500.

Profitability

This table compares Origin Bancorp and Touchstone Bankshares’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Origin Bancorp	20.47%	10.45%	0.97%
Touchstone Bankshares	N/A	N/A	N/A

Dividends

Origin Bancorp pays an annual dividend of $0.60 per share and has a dividend yield of 1.5%. Touchstone Bankshares pays an annual dividend of $0.32 per share and has a dividend yield of 2.2%. Origin Bancorp pays out 18.7% of its earnings in the form of a dividend. Touchstone Bankshares pays out 49.2% 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. Origin Bancorp has increased its dividend for 4 consecutive years.

Summary

Origin Bancorp beats Touchstone Bankshares on 10 of the 13 factors compared between the two stocks.

About Origin Bancorp

Origin Bancorp, Inc. is a bank holding company, which engages in the provision of financial services to small and medium-sized businesses, municipalities, high net worth individuals, and retail clients. The firm’s products and services include lending, deposits, mortgage banking, and insurance. It also offers other banking services such as Internet banking and voice response information, mobile applications, cash management, overdraft protection, direct deposit, safe deposit boxes, U.S. savings bonds, and automatic account transfers. The company was founded in 1991 and is headquartered in Ruston, LA.

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.