Financial Analysis: Chain Bridge Bancorp (NYSE:CBNA) and Westbury Bancorp (OTCMKTS:WBBW)

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

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Chain Bridge Bancorp	38.64%	15.75%	1.54%
Westbury Bancorp	N/A	N/A	N/A

Institutional and Insider Ownership

0.3% of Westbury Bancorp shares are held by institutional investors. 25.4% of Chain Bridge Bancorp shares are held by insiders. Comparatively, 10.9% of Westbury Bancorp shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.

Valuation and Earnings

This table compares Chain Bridge Bancorp and Westbury Bancorp”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Chain Bridge Bancorp	$65.23 million	4.76	$20.24 million	$4.06	11.65
Westbury Bancorp	N/A	N/A	N/A	N/A	N/A

Chain Bridge Bancorp has higher revenue and earnings than Westbury Bancorp.

Analyst Recommendations

This is a breakdown of recent ratings for Chain Bridge Bancorp and Westbury Bancorp, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Chain Bridge Bancorp	1	4	0	0	1.80
Westbury Bancorp	0	0	0	0	0.00

Chain Bridge Bancorp currently has a consensus target price of $42.17, indicating a potential downside of 10.87%. Given Chain Bridge Bancorp’s stronger consensus rating and higher possible upside, equities research analysts clearly believe Chain Bridge Bancorp is more favorable than Westbury Bancorp.

Volatility and Risk

Chain Bridge Bancorp has a beta of 0.24, meaning that its stock price is 76% less volatile than the S&P 500. Comparatively, Westbury Bancorp has a beta of -0.18, meaning that its stock price is 118% less volatile than the S&P 500.

Summary

Chain Bridge Bancorp beats Westbury Bancorp on 8 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 Westbury Bancorp

Westbury Bancorp, Inc. operates as a holding company for Westbury Bank that provides various community banking and financial products and services for individuals, families, and businesses in the United States. The company offers checking and savings accounts, money market accounts, certificates of deposit, and term certificate accounts; personal, mortgage, one-to four-family residential real estate, multi-family, commercial business, loans, commercial real estate loans, and construction loans; credit cards; and online and mobile banking services. Westbury Bancorp, Inc. was founded in 1926 and is headquartered in Waukesha, Wisconsin.