Oritani Financial (NASDAQ:ORIT) and Bridgewater Bancshares (NASDAQ:BWB) are both small-cap finance companies, but which is the superior stock? We will compare the two businesses based on the strength of their risk, earnings, profitability, institutional ownership, dividends, analyst recommendations and valuation.

Institutional & Insider Ownership

62.9% of Oritani Financial shares are owned by institutional investors. Comparatively, 33.1% of Bridgewater Bancshares shares are owned by institutional investors. 12.1% of Oritani Financial shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term growth.

Profitability

This table compares Oritani Financial and Bridgewater Bancshares’ net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Oritani Financial 27.44% 9.30% 1.25%
Bridgewater Bancshares N/A N/A N/A

Dividends

Oritani Financial pays an annual dividend of $1.00 per share and has a dividend yield of 6.5%. Bridgewater Bancshares does not pay a dividend. Oritani Financial pays out 87.0% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future.

Analyst Recommendations

This is a summary of recent recommendations for Oritani Financial and Bridgewater Bancshares, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Oritani Financial 0 1 0 0 2.00
Bridgewater Bancshares 0 0 2 0 3.00

Oritani Financial currently has a consensus price target of $16.50, suggesting a potential upside of 6.80%. Bridgewater Bancshares has a consensus price target of $15.25, suggesting a potential upside of 16.68%. Given Bridgewater Bancshares’ stronger consensus rating and higher probable upside, analysts plainly believe Bridgewater Bancshares is more favorable than Oritani Financial.

Earnings & Valuation

This table compares Oritani Financial and Bridgewater Bancshares’ revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Oritani Financial $156.41 million 4.61 $42.89 million $1.15 13.43
Bridgewater Bancshares N/A N/A N/A N/A N/A

Oritani Financial has higher revenue and earnings than Bridgewater Bancshares.

Summary

Oritani Financial beats Bridgewater Bancshares on 7 of the 11 factors compared between the two stocks.

About Oritani Financial

Oritani Financial Corp. operates as a savings and loan holding company for Oritani Bank that provides various banking services for individual and corporate customers. The company accepts a range of deposit products, such as non-interest and interest-bearing demand and NOW checking accounts, money market deposit accounts, savings accounts, retirement accounts, and time deposits. Its loan products include residential commercial real estate loans comprising mortgage loans secured by apartment buildings; commercial real estate loans, consisting of mortgage loans secured by retail anchor shopping centers, commercial offices, retail space, warehouses, and mixed-use buildings; residential real estate loans, such as one to four family residential real property and home equity loans; and second mortgage and equity loans, and home equity lines of credit, as well as construction loans. The company also invests in securities and real estate properties. As of June 30, 2018, it operated 25 full service branches in Bergen, Hudson, Essex, and Passaic counties, New Jersey; and lending offices in New York City and Cherry Hill, New Jersey. Oritani Financial Corp. was founded in 1911 and is headquartered in Washington Township, New Jersey.

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, small business entrepreneurs, and high-net-worth individuals in the United States. It offers saving and money market, time, interest and noninterest bearing transaction, and brokered deposits. The company also provides commercial loans to sole proprietorships, partnerships, corporations, and other business enterprises to finance accounts receivable or inventory, capital assets, or other business related purposes; 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. It operates through six branches in Minnesota. The company was founded in 2005 and is headquartered in Bloomington, Minnesota.

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