Chemung Financial (NASDAQ:CHMG – Get Free Report) and Bridgewater Bancshares (NASDAQ:BWB – Get Free Report) are both small-cap finance companies, but which is the superior investment? We will contrast the two businesses based on the strength of their profitability, risk, dividends, valuation, analyst recommendations, earnings and institutional ownership.
Profitability
This table compares Chemung Financial and Bridgewater Bancshares’ net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Chemung Financial | 17.35% | 12.67% | 0.85% |
| Bridgewater Bancshares | 15.37% | 10.20% | 0.78% |
Analyst Ratings
This is a summary of recent ratings and price targets for Chemung Financial and Bridgewater Bancshares, as provided by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Chemung Financial | 0 | 1 | 0 | 0 | 2.00 |
| Bridgewater Bancshares | 0 | 0 | 3 | 0 | 3.00 |
Valuation & Earnings
This table compares Chemung Financial and Bridgewater Bancshares’ gross revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Chemung Financial | $137.62 million | 1.50 | $25.00 million | $5.22 | 8.33 |
| Bridgewater Bancshares | $228.85 million | 1.42 | $39.96 million | $1.13 | 10.36 |
Bridgewater Bancshares has higher revenue and earnings than Chemung Financial. Chemung Financial is trading at a lower price-to-earnings ratio than Bridgewater Bancshares, indicating that it is currently the more affordable of the two stocks.
Insider and Institutional Ownership
47.5% of Chemung Financial shares are owned by institutional investors. Comparatively, 65.8% of Bridgewater Bancshares shares are owned by institutional investors. 12.0% of Chemung Financial shares are owned by insiders. Comparatively, 23.2% of Bridgewater Bancshares 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.
Risk & Volatility
Chemung Financial has a beta of 0.2, indicating that its share price is 80% less volatile than the S&P 500. Comparatively, Bridgewater Bancshares has a beta of 0.66, indicating that its share price is 34% less volatile than the S&P 500.
Summary
Bridgewater Bancshares beats Chemung Financial on 9 of the 14 factors compared between the two stocks.
About Chemung Financial
Chemung Financial Corporation operates as a bank holding company for Chemung Canal Trust Company that provides a range of banking, financing, fiduciary, and other financial services. The company provides demand, savings, and time deposits; non-interest and interest-bearing checking accounts; and insured money market accounts. It also offers commercial and agricultural loans comprising loans to small to mid-sized businesses; commercial and residential mortgage loans; and consumer loans, including home equity lines of credit and home equity term loans. In addition, the company provides interest rate swaps, letters of credit, employee benefit plans, insurance products, mutual fund, brokerage, and tax preparation services. Further, it offers guardian, custodian, trustee, investment, pension, estate planning, and employee benefit administrative services, as well as acts as an agent for pension, profit-sharing, and other employee benefit trusts. Chemung Financial Corporation was founded in 1833 and is headquartered in Elmira, New York.
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.
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