Chain Bridge Bancorp (NYSE:CBNA – Get Free Report) and Orrstown Financial Services (NASDAQ:ORRF – Get Free Report) are both small-cap finance companies, but which is the better business? We will contrast the two companies based on the strength of their analyst recommendations, earnings, institutional ownership, risk, dividends, valuation and profitability.
Risk and Volatility
Chain Bridge Bancorp has a beta of 0.45, meaning that its share price is 55% less volatile than the S&P 500. Comparatively, Orrstown Financial Services has a beta of 0.71, meaning that its share price is 29% less volatile than the S&P 500.
Analyst Ratings
This is a summary of recent ratings and target prices for Chain Bridge Bancorp and Orrstown Financial Services, as provided by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Chain Bridge Bancorp | 1 | 3 | 0 | 1 | 2.20 |
| Orrstown Financial Services | 0 | 2 | 3 | 0 | 2.60 |
Institutional & Insider Ownership
44.3% of Orrstown Financial Services shares are owned by institutional investors. 25.4% of Chain Bridge Bancorp shares are owned by insiders. Comparatively, 4.3% of Orrstown Financial Services shares are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.
Profitability
This table compares Chain Bridge Bancorp and Orrstown Financial Services’ net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Chain Bridge Bancorp | 35.09% | 13.07% | 1.31% |
| Orrstown Financial Services | 23.58% | 14.75% | 1.55% |
Valuation & Earnings
This table compares Chain Bridge Bancorp and Orrstown Financial Services”s gross revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Chain Bridge Bancorp | $57.87 million | 4.31 | $20.24 million | $3.31 | 11.47 |
| Orrstown Financial Services | $252.65 million | 2.86 | $80.86 million | $4.37 | 8.41 |
Orrstown Financial Services has higher revenue and earnings than Chain Bridge Bancorp. Orrstown Financial Services is trading at a lower price-to-earnings ratio than Chain Bridge Bancorp, indicating that it is currently the more affordable of the two stocks.
Summary
Orrstown Financial Services beats Chain Bridge Bancorp on 10 of the 15 factors compared between the two stocks.
About Chain Bridge Bancorp
Chain Bridge Bancorp, Inc. operates as a Delaware-chartered bank holding company for Chain Bridge Bank, National Association that provides commercial and personal banking, and trust services in the United States. Its deposit products include non-interest-bearing and interest-bearing checking accounts, savings accounts, and money market accounts. The company’s loan portfolio comprises of residential and commercial real estate loans, commercial loans, and consumer loans. It also provides treasury management, payments, trusts and estate administration, wealth management, and asset custody services. The company was incorporated in 2006 and is headquartered in McLean, Virginia.
About Orrstown Financial Services
Orrstown Financial Services, Inc. operates as the financial holding company for Orrstown Bank that provides commercial banking and financial advisory services to retail, commercial, non-profit, and government clients in the United States. It accepts various deposits, including checking, savings, time, demand, and money market deposits, as well as certificates of deposit. The company also offers commercial loans, such as commercial real estate, equipment, construction, working capital, and other commercial purpose loans, as well as industrial loans; consumer loans, such as home equity and other consumer loans, as well as home equity lines of credit; residential mortgage loans; acquisition and development loans; municipal loans; and installment and other loans. In addition, it provides renders services as trustee, executor, administrator, guardian, managing agent, custodian, and investment advisor, as well as other fiduciary services under the Orrstown Financial Advisors name; and retail brokerage services through a third-party broker/dealer arrangement. Further, the company offers fiduciary, investment advisory, insurance, and brokerage services. Orrstown Financial Services, Inc. was founded in 1919 and is headquartered in Shippensburg, Pennsylvania.
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