Financial Review: University Bancorp (OTCMKTS:UNIB) vs. Chain Bridge Bancorp (NYSE:CBNA)

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

Valuation & Earnings

This table compares University Bancorp and Chain Bridge Bancorp”s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
University Bancorp	$137.51 million	0.85	$9.02 million	N/A	N/A
Chain Bridge Bancorp	$59.32 million	4.12	$20.24 million	$3.31	11.26

Chain Bridge Bancorp has lower revenue, but higher earnings than University Bancorp.

Risk and Volatility

University Bancorp has a beta of 0.31, meaning that its stock price is 69% less volatile than the S&P 500. Comparatively, Chain Bridge Bancorp has a beta of 0.45, meaning that its stock price is 55% less volatile than the S&P 500.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
University Bancorp	N/A	N/A	N/A
Chain Bridge Bancorp	35.09%	13.31%	1.38%

Analyst Recommendations

This is a summary of recent ratings and price targets for University Bancorp and Chain Bridge Bancorp, as provided by MarketBeat.

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

Chain Bridge Bancorp has a consensus price target of $38.50, indicating a potential upside of 3.29%. Given Chain Bridge Bancorp’s stronger consensus rating and higher possible upside, analysts plainly believe Chain Bridge Bancorp is more favorable than University Bancorp.

Summary

Chain Bridge Bancorp beats University Bancorp on 8 of the 9 factors compared between the two stocks.

About University Bancorp

University Bancorp, Inc. operates as the bank holding company for University Bank that provides various personal, business, and community banking services in the United States. It offers checking, NOW, savings, money market, time deposit, and certificates of deposit accounts. The company's consumer loans include home equity, short term, automobile, personal, and recreational vehicle loans, as well as home equity lines of credits; SBA, commercial real estate, equipment, home improvement, and other instalment loans; and non-profit loans, as well as working capital lines of credit. In addition, the company provides foreign currency exchange; reverse mortgage; online banking and bill pay; online reorder checks; wire transfer; and courier services, as well as credit card and ATM services. Further, it offers life, health, property, and casualty insurance products, as well as investment products, including annuities. University Bancorp, Inc. was founded in 1890 and is based in Ann Arbor, Michigan.

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.