Chain Bridge Bancorp (NYSE:CBNA) vs. Blue Foundry Bancorp (NASDAQ:BLFY) Critical Review

Chain Bridge Bancorp (NYSE:CBNA) and Blue Foundry Bancorp (NASDAQ:BLFY) are both small-cap finance companies, but which is the better investment? We will contrast the two companies based on the strength of their valuation, earnings, risk, profitability, analyst recommendations, institutional ownership and dividends.

Institutional and Insider Ownership

56.5% of Blue Foundry Bancorp shares are owned by institutional investors. 25.9% of Chain Bridge Bancorp shares are owned by company insiders. Comparatively, 5.3% of Blue Foundry Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.

Analyst Ratings

This is a breakdown of recent ratings and target prices for Chain Bridge Bancorp and Blue Foundry Bancorp, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Chain Bridge Bancorp	2	1	0	1	2.00
Blue Foundry Bancorp	1	1	0	0	1.50

Chain Bridge Bancorp presently has a consensus price target of $33.00, suggesting a potential downside of 3.81%. Blue Foundry Bancorp has a consensus price target of $10.00, suggesting a potential downside of 20.06%. Given Chain Bridge Bancorp’s stronger consensus rating and higher probable upside, equities analysts clearly believe Chain Bridge Bancorp is more favorable than Blue Foundry Bancorp.

Risk and Volatility

Chain Bridge Bancorp has a beta of 0.47, meaning that its stock price is 53% less volatile than the S&P 500. Comparatively, Blue Foundry Bancorp has a beta of 0.55, meaning that its stock price is 45% less volatile than the S&P 500.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Chain Bridge Bancorp	32.83%	12.10%	1.22%
Blue Foundry Bancorp	-9.82%	-2.84%	-0.44%

Earnings and Valuation

This table compares Chain Bridge Bancorp and Blue Foundry Bancorp”s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Chain Bridge Bancorp	$56.65 million	3.97	$20.95 million	$2.86	12.00
Blue Foundry Bancorp	$87.25 million	2.98	-$11.91 million	($0.46)	-27.20

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

Summary

Chain Bridge Bancorp beats Blue Foundry Bancorp on 11 of the 14 factors compared between the two stocks.

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.

About Blue Foundry Bancorp

Blue Foundry Bancorp operates as a bank holding company for Blue Foundry Bank, a savings bank that offers various banking products and services for individuals and businesses in the United States. The company offers saving, time, and non-interest bearing deposits; demand accounts; and loans, such as one-to-four family residential property, multi-family, residential real estate, non-residential real estate, consumer, construction, and commercial and industrial loans, as well as junior liens and home equity lines of credit. The company was formerly known as Boiling Springs Bancorp and changed its name to Blue Foundry Bancorp in July 2019. Blue Foundry Bancorp was founded in 1939 and is based in Rutherford, New Jersey.