Chain Bridge Bancorp (NYSE:CBNA) versus West Shore Bank (OTCMKTS:WSSH) Critical Contrast

Chain Bridge Bancorp (NYSE:CBNA) and West Shore Bank (OTCMKTS:WSSH) are both small-cap finance companies, but which is the superior investment? We will contrast the two businesses based on the strength of their risk, analyst recommendations, institutional ownership, valuation, dividends, earnings and profitability.

Profitability

This table compares Chain Bridge Bancorp and West Shore Bank’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Chain Bridge Bancorp	34.11%	12.88%	1.29%
West Shore Bank	N/A	N/A	N/A

Risk & Volatility

Chain Bridge Bancorp has a beta of 0.47, indicating that its share price is 53% less volatile than the S&P 500. Comparatively, West Shore Bank has a beta of -0.04, indicating that its share price is 104% less volatile than the S&P 500.

Analyst Ratings

This is a summary of recent recommendations for Chain Bridge Bancorp and West Shore Bank, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Chain Bridge Bancorp	1	3	0	0	1.75
West Shore Bank	0	0	0	0	0.00

Chain Bridge Bancorp currently has a consensus price target of $33.00, suggesting a potential downside of 6.85%. Given Chain Bridge Bancorp’s stronger consensus rating and higher probable upside, analysts clearly believe Chain Bridge Bancorp is more favorable than West Shore Bank.

Valuation & Earnings

This table compares Chain Bridge Bancorp and West Shore Bank”s revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Chain Bridge Bancorp	$59.32 million	3.92	$20.24 million	$3.08	11.50
West Shore Bank	$36.87 million	1.20	$4.41 million	N/A	N/A

Chain Bridge Bancorp has higher revenue and earnings than West Shore Bank.

Summary

Chain Bridge Bancorp beats West Shore Bank on 9 of the 9 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 West Shore Bank

West Shore Bank Corp. operates as the bank holding company for West Shore Bank that provides various banking products and services for individuals and businesses. The company accepts checking, saving, money market, certificates of deposit, and individual retirement accounts. Its loan products include auto, recreational, personal term, commercial real estate, small business administration, municipal, business term, and home mortgage and equity loans; business lines of credit; and letters of credit. The company also offers ATM/debit, credit, and gift and travel cards; wealth planning process, investment management, trusts and estates, retirement planning, west shore investment services; savings bonds; and direct deposit, overdraft, safe deposit boxes, wire transfer, remote deposit capture, merchant card, ACH and wire, sweep accounts, positive pay, bill pay, and online and mobile banking services. The company was founded in 1898 and is based in Ludington, Michigan.