Oritani Financial (NASDAQ:ORIT) and Southern National Banc. of Virginia (NASDAQ:SONA) Head-To-Head Survey

Oritani Financial (NASDAQ:ORIT) and Southern National Banc. of Virginia (NASDAQ:SONA) are both small-cap finance companies, but which is the superior stock? We will compare the two businesses based on the strength of their profitability, dividends, risk, earnings, analyst recommendations, valuation and institutional ownership.

Analyst Recommendations

This is a breakdown of recent recommendations for Oritani Financial and Southern National Banc. of Virginia, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Oritani Financial 0 0 0 0 N/A
Southern National Banc. of Virginia 0 1 0 0 2.00

Earnings and Valuation

This table compares Oritani Financial and Southern National Banc. of Virginia’s gross revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Oritani Financial $156.41 million 4.68 $42.89 million $1.15 14.11
Southern National Banc. of Virginia $129.11 million 2.69 $33.69 million $1.39 10.35

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

Institutional & Insider Ownership

67.9% of Oritani Financial shares are owned by institutional investors. Comparatively, 71.5% of Southern National Banc. of Virginia shares are owned by institutional investors. 10.2% of Oritani Financial shares are owned by insiders. Comparatively, 5.5% of Southern National Banc. of Virginia shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.

Volatility and Risk

Oritani Financial has a beta of 0.65, meaning that its stock price is 35% less volatile than the S&P 500. Comparatively, Southern National Banc. of Virginia has a beta of 0.8, meaning that its stock price is 20% less volatile than the S&P 500.

Profitability

This table compares Oritani Financial and Southern National Banc. of Virginia’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Oritani Financial 33.03% 9.68% 1.28%
Southern National Banc. of Virginia 23.94% 9.99% 1.27%

Dividends

Oritani Financial pays an annual dividend of $1.00 per share and has a dividend yield of 6.2%. Southern National Banc. of Virginia pays an annual dividend of $0.36 per share and has a dividend yield of 2.5%. Oritani Financial pays out 87.0% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future. Southern National Banc. of Virginia pays out 25.9% of its earnings in the form of a dividend.

Summary

Oritani Financial beats Southern National Banc. of Virginia on 8 of the 13 factors compared between the two stocks.

About Oritani Financial

Oritani Financial Corp. operates as a savings and loan holding company for Oritani Bank that provides various banking services for individual and corporate customers. The company accepts a range of deposit products, such as non-interest and interest-bearing demand and NOW checking accounts, money market deposit accounts, savings accounts, retirement accounts, and time deposits. Its loan products include residential commercial real estate loans comprising mortgage loans secured by apartment buildings; commercial real estate loans, consisting of mortgage loans secured by retail anchor shopping centers, commercial offices, retail space, warehouses, and mixed-use buildings; residential real estate loans, such as one to four family residential real property and home equity loans; and second mortgage and equity loans, and home equity lines of credit, as well as construction loans. The company also invests in securities and real estate properties. As of June 30, 2018, it operated 25 full service branches in Bergen, Hudson, Essex, and Passaic counties, New Jersey; and lending offices in New York City and Cherry Hill, New Jersey. Oritani Financial Corp. was founded in 1911 and is headquartered in Washington Township, New Jersey.

About Southern National Banc. of Virginia

Southern National Bancorp of Virginia, Inc. operates as the bank holding company for Sonabank that provides commercial banking services to middle market corporate clients and retail clients in the United States. Its deposit products include noninterest-bearing and interest-bearing checking, commercial checking, money market, and savings accounts, as well as certificates of deposit. The company's loan portfolio comprises commercial mortgage and non-mortgage loans, including commercial real estate loans, construction to permanent loans, development and builder loans, accounts receivable financing, lines of credit, equipment and vehicle loans, leasing, and commercial overdraft protection; construction loans for commercial, multifamily, and other non-residential properties; commercial business loans, such as lines of credit, revolving credit facilities, demand loans, term loans, equipment loans, small business administration loans, stand-by letters of credit, and unsecured loans; residential mortgage lending; and secured and unsecured consumer loans. It also offers cash management services comprising investment/sweep, zero balance, and controlled disbursement accounts; and wire transfer, employer/payroll processing, night depository, lockbox, depository transfer, merchant, ACH origination, check 21 processing, asset based lending, and mobile banking application services. In addition, the company provides other consumer/retail products and services that include debit and credit cards, ATM services, travelers' checks, notary services, and online banking services. As of December 31, 2018, it had 38 full-service retail branches in Virginia and 7 full-service retail branches in Maryland. The company was founded in 2004 and is headquartered in McLean, Virginia.

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