Bridgewater Bancshares (NASDAQ:BWB – Get Free Report) and Bancorp (NASDAQ:TBBK – Get Free Report) are both finance companies, but which is the better investment? We will compare the two businesses based on the strength of their risk, valuation, analyst recommendations, institutional ownership, earnings, dividends and profitability.
Profitability
This table compares Bridgewater Bancshares and Bancorp’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Bridgewater Bancshares | 18.38% | 11.21% | 0.95% |
| Bancorp | 27.72% | 32.32% | 2.50% |
Earnings & Valuation
This table compares Bridgewater Bancshares and Bancorp”s gross revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Bridgewater Bancshares | $292.76 million | 1.98 | $46.09 million | $1.84 | 11.29 |
| Bancorp | $879.70 million | 2.35 | $228.21 million | $5.32 | 9.51 |
Bancorp has higher revenue and earnings than Bridgewater Bancshares. Bancorp is trading at a lower price-to-earnings ratio than Bridgewater Bancshares, indicating that it is currently the more affordable of the two stocks.
Analyst Ratings
This is a summary of current ratings and recommmendations for Bridgewater Bancshares and Bancorp, as reported by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Bridgewater Bancshares | 0 | 0 | 4 | 0 | 3.00 |
| Bancorp | 0 | 2 | 4 | 1 | 2.86 |
Bridgewater Bancshares presently has a consensus price target of $23.67, indicating a potential upside of 13.95%. Bancorp has a consensus price target of $69.33, indicating a potential upside of 37.08%. Given Bancorp’s higher possible upside, analysts clearly believe Bancorp is more favorable than Bridgewater Bancshares.
Risk and Volatility
Bridgewater Bancshares has a beta of 0.58, suggesting that its stock price is 42% less volatile than the S&P 500. Comparatively, Bancorp has a beta of 1.18, suggesting that its stock price is 18% more volatile than the S&P 500.
Insider and Institutional Ownership
65.8% of Bridgewater Bancshares shares are owned by institutional investors. Comparatively, 96.2% of Bancorp shares are owned by institutional investors. 23.1% of Bridgewater Bancshares shares are owned by insiders. Comparatively, 6.0% of Bancorp shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock will outperform the market over the long term.
Summary
Bancorp beats Bridgewater Bancshares on 11 of the 14 factors compared between the two stocks.
About Bridgewater Bancshares
Bridgewater Bancshares, Inc. operates as the bank holding company for Bridgewater Bank that provides banking products and services to commercial real estate investors, entrepreneurs, business clients, and individuals in the United States. The company provides savings and money market accounts, demand deposits, time and brokered deposits, and interest and noninterest bearing transaction, as well as certificates of deposit. It offers commercial loans to sole proprietorships, partnerships, corporations, and other business enterprises to finance working capital, capital investment, or for other business related purposes; paycheck protection program loans; construction and land development loans; 1-4 family mortgage loans; multifamily lending products; owner and non-owner occupied commercial real estate loans; and consumer and other loans. In addition, the company online, mobile, and direct banking services. Bridgewater Bancshares, Inc. was incorporated in 2005 and is headquartered in Saint Louis Park, Minnesota.
About Bancorp
The Bancorp, Inc. operates as the bank holding company for The Bancorp Bank, National Association that provides banking products and services in the United States. It offers a range of deposit products and services, including checking, savings, time, money market, and commercial accounts; overdrafts; and certificates of deposit. The company also provides securities-backed lines of credit and insurance policy cash value-backed lines of credit; investor advisor financing; lease financing for commercial and government vehicle fleets, including trucks and other special purpose vehicles; commercial real estate bridge loans; and small business administration loans. In addition, it offers bill and other payment services; debit and prepaid card issuing services; card and bill payment, and automated clearing house processing services; and internet banking services. The company was incorporated in 1999 and is headquartered in Wilmington, Delaware.
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