Comparing Chain Bridge Bancorp (NYSE:CBNA) & Wintrust Financial (NASDAQ:WTFC)

Wintrust Financial (NASDAQ:WTFC) and Chain Bridge Bancorp (NYSE:CBNA) are both finance companies, but which is the superior stock? We will contrast the two companies based on the strength of their profitability, earnings, valuation, institutional ownership, analyst recommendations, dividends and risk.

Institutional & Insider Ownership

93.5% of Wintrust Financial shares are owned by institutional investors. 1.2% of Wintrust Financial shares are owned by company insiders. Comparatively, 25.4% of Chain Bridge Bancorp shares are owned by company 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.

Earnings & Valuation

This table compares Wintrust Financial and Chain Bridge Bancorp”s revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Wintrust Financial	$4.23 billion	2.40	$823.84 million	$13.04	11.56
Chain Bridge Bancorp	$59.32 million	5.64	$20.24 million	$4.06	12.57

Wintrust Financial has higher revenue and earnings than Chain Bridge Bancorp. Wintrust Financial 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.

Risk & Volatility

Wintrust Financial has a beta of 0.89, suggesting that its share price is 11% less volatile than the S&P 500. Comparatively, Chain Bridge Bancorp has a beta of 0.22, suggesting that its share price is 78% less volatile than the S&P 500.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Wintrust Financial	21.03%	13.31%	1.26%
Chain Bridge Bancorp	38.64%	15.42%	1.44%

Analyst Ratings

This is a breakdown of recent ratings for Wintrust Financial and Chain Bridge Bancorp, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Wintrust Financial	0	5	9	0	2.64
Chain Bridge Bancorp	0	3	1	1	2.60

Wintrust Financial presently has a consensus price target of $175.00, suggesting a potential upside of 16.07%. Chain Bridge Bancorp has a consensus price target of $47.50, suggesting a potential downside of 6.93%. Given Wintrust Financial’s stronger consensus rating and higher probable upside, equities analysts plainly believe Wintrust Financial is more favorable than Chain Bridge Bancorp.

Summary

Wintrust Financial beats Chain Bridge Bancorp on 8 of the 15 factors compared between the two stocks.

About Wintrust Financial

Wintrust Financial Corporation operates as a financial holding company. It operates in three segments: Community Banking, Specialty Finance, and Wealth Management. The Community Banking segment offers non-interest bearing deposits, non-brokered interest-bearing transaction accounts, and savings and domestic time deposits; home equity, consumer, and real estate loans; safe deposit facilities; and automatic teller machine (ATM), online and mobile banking, and other services. It also engages in the retail origination and purchase of residential mortgages; and provision of lending, deposits, and treasury management services to condominium, homeowner, and community associations, as well as asset-based lending for middle-market companies. In addition, this segment offers loan and deposit services to mortgage brokerage companies; lending to restaurant franchisees; direct leasing; small business administration loans; commercial mortgages and construction loans; and financial solutions. It provides personal and commercial banking services primarily to individuals, small to mid-sized businesses, local governmental units, and institutional clients. The Specialty Finance segment offers commercial and life insurance premiums financing for businesses and individuals; accounts receivable financing, value-added, and out-sourced administrative services; other specialty finance services; equipment financing through structured loan and lease products; and property and casualty premium financing; as well as data processing of payrolls, billing, and cash management services to temporary staffing industry. The Wealth Management segment provides wealth management services, such as trust and investment, asset management, tax-deferred exchange, securities brokerage, and retirement plan services. Wintrust Financial Corporation was founded in 1991 and is headquartered in Rosemont, Illinois.

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.