Chain Bridge Bancorp (NYSE:CBNA – Get Free Report) and Capital Bancorp (NASDAQ:CBNK – Get Free Report) are both small-cap finance companies, but which is the superior investment? We will compare the two companies based on the strength of their dividends, risk, profitability, earnings, analyst recommendations, institutional ownership and valuation.
Insider & Institutional Ownership
56.1% of Capital Bancorp shares are held by institutional investors. 25.4% of Chain Bridge Bancorp shares are held by company insiders. Comparatively, 33.5% of Capital Bancorp shares are held by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock is poised for long-term growth.
Risk and Volatility
Chain Bridge Bancorp has a beta of 0.24, suggesting that its share price is 76% less volatile than the S&P 500. Comparatively, Capital Bancorp has a beta of 0.54, suggesting that its share price is 46% less volatile than the S&P 500.
Analyst Ratings
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Chain Bridge Bancorp | 1 | 4 | 0 | 0 | 1.80 |
| Capital Bancorp | 0 | 2 | 3 | 0 | 2.60 |
Chain Bridge Bancorp presently has a consensus target price of $38.50, suggesting a potential downside of 8.40%. Capital Bancorp has a consensus target price of $35.33, suggesting a potential upside of 0.75%. Given Capital Bancorp’s stronger consensus rating and higher possible upside, analysts clearly believe Capital Bancorp is more favorable than Chain Bridge Bancorp.
Earnings and Valuation
This table compares Chain Bridge Bancorp and Capital Bancorp”s gross revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Chain Bridge Bancorp | $57.87 million | 4.77 | $20.24 million | $3.31 | 12.70 |
| Capital Bancorp | $310.06 million | 1.84 | $57.17 million | $3.31 | 10.60 |
Capital Bancorp has higher revenue and earnings than Chain Bridge Bancorp. Capital Bancorp 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.
Profitability
This table compares Chain Bridge Bancorp and Capital Bancorp’s 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% |
| Capital Bancorp | 17.48% | 13.48% | 1.51% |
Summary
Capital Bancorp beats Chain Bridge Bancorp on 10 of the 13 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 Capital Bancorp
Capital Bancorp, Inc. operates as the bank holding company for Capital Bank, N.A. that provides various banking products and services to businesses, not-for-profit associations, and entrepreneurs in Maryland, Virginia, and the District of Columbia. It operates through Commercial Banking, Capital Bank Home Loans, and OpenSky segments. The company offers a range of deposit products, including checking and savings, time, interest bearing and noninterest-bearing demand, and money market accounts, as well as certificates of deposit; and credit cards. It also originates residential mortgages; issues trust preferred securities; and provides residential and commercial real estate, construction, and commercial and industrial loans, as well as other consumer loans, such as term loans, car loans, and boat loans to small to medium-sized businesses, professionals, real estate investors, and small residential builders and individuals. Capital Bancorp, Inc. was founded in 1974 and is headquartered in Rockville, Maryland.
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