Camden National (NASDAQ:CAC) and Bridgewater Bancshares (NASDAQ:BWB) Head-To-Head Review

Camden National (NASDAQ:CAC) 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 profitability, risk, institutional ownership, valuation, earnings, analyst recommendations and dividends.

Profitability

This table compares Camden National and Bridgewater Bancshares’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Camden National	21.32%	11.78%	1.16%
Bridgewater Bancshares	17.69%	11.06%	0.91%

Volatility and Risk

Camden National has a beta of 0.56, suggesting that its stock price is 44% less volatile than the S&P 500. Comparatively, Bridgewater Bancshares has a beta of 0.58, suggesting that its stock price is 42% less volatile than the S&P 500.

Insider and Institutional Ownership

77.4% of Camden National shares are held by institutional investors. Comparatively, 65.8% of Bridgewater Bancshares shares are held by institutional investors. 2.1% of Camden National shares are held by insiders. Comparatively, 23.1% of Bridgewater Bancshares shares are held by 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 and Valuation

This table compares Camden National and Bridgewater Bancshares”s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Camden National	$252.65 million	3.56	$65.16 million	$4.70	11.30
Bridgewater Bancshares	$292.76 million	1.96	$46.09 million	$1.77	11.64

Camden National has higher earnings, but lower revenue than Bridgewater Bancshares. Camden National is trading at a lower price-to-earnings ratio than Bridgewater Bancshares, indicating that it is currently the more affordable of the two stocks.

Analyst Recommendations

This is a summary of recent ratings and price targets for Camden National and Bridgewater Bancshares, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Camden National	0	4	2	0	2.33
Bridgewater Bancshares	0	2	3	0	2.60

Camden National presently has a consensus price target of $52.25, indicating a potential downside of 1.66%. Bridgewater Bancshares has a consensus price target of $21.67, indicating a potential upside of 5.13%. Given Bridgewater Bancshares’ stronger consensus rating and higher possible upside, analysts plainly believe Bridgewater Bancshares is more favorable than Camden National.

About Camden National

Camden National Corporation operates as the bank holding company for Camden National Bank that provides various commercial and consumer banking products and services for consumer, institutional, municipal, non-profit, and commercial customers in Maine, New Hampshire, and Massachusetts. The company accepts checking, savings, time, and brokered deposits, as well as deposits with the certificate of deposit account registry system. Its loan products include non-owner-occupied commercial estate loans, owner-occupied commercial real estate loans, unsecured fully-guaranteed commercial loans backed by the small business administration, loans secured by one-to four-family properties, and consumer and home equity loans. The company also provides brokerage and insurance services through its financial offerings consisting of college, retirement, estate planning, mutual funds, strategic asset management accounts, and variable and fixed annuities. Further, it offers a range of fiduciary and asset management, wealth management, investment management, financial planning, and trustee services. Camden National Corporation was founded in 1875 and is headquartered in Camden, Maine.

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, entrepreneurs, business clients, and individuals in the United States. The company provides savings and money market accounts, demand deposits, time and brokered deposits, and interest and noninterest bearing transaction, as well as certificates of deposit. It offers commercial loans to sole proprietorships, partnerships, corporations, and other business enterprises to finance working capital, capital investment, or for other business related purposes; paycheck protection program loans; 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. In addition, the company online, mobile, and direct banking services. Bridgewater Bancshares, Inc. was incorporated in 2005 and is headquartered in Saint Louis Park, Minnesota.