Financial Review: Chain Bridge Bancorp (NYSE:CBNA) and First Seacoast Bancorp (NASDAQ:FSEA)

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

Valuation and Earnings

This table compares First Seacoast 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
First Seacoast Bancorp	$14.58 million	4.22	-$510,000.00	($0.50)	-26.20
Chain Bridge Bancorp	$59.32 million	4.15	$20.24 million	$3.08	12.17

Chain Bridge Bancorp has higher revenue and earnings than First Seacoast Bancorp. First Seacoast 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.

Volatility & Risk

First Seacoast Bancorp has a beta of 0.08, indicating that its stock price is 92% less volatile than the S&P 500. Comparatively, Chain Bridge Bancorp has a beta of 0.47, indicating that its stock price is 53% less volatile than the S&P 500.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
First Seacoast Bancorp	-7.66%	-3.50%	-0.36%
Chain Bridge Bancorp	34.11%	12.88%	1.29%

Analyst Recommendations

This is a breakdown of recent recommendations and price targets for First Seacoast Bancorp and Chain Bridge Bancorp, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
First Seacoast Bancorp	1	0	0	0	1.00
Chain Bridge Bancorp	1	3	0	0	1.75

Chain Bridge Bancorp has a consensus target price of $33.00, indicating a potential downside of 11.98%. Given Chain Bridge Bancorp’s stronger consensus rating and higher possible upside, analysts clearly believe Chain Bridge Bancorp is more favorable than First Seacoast Bancorp.

Institutional and Insider Ownership

38.4% of First Seacoast Bancorp shares are owned by institutional investors. 7.8% of First Seacoast Bancorp shares are owned by insiders. Comparatively, 25.9% of Chain Bridge Bancorp shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.

Summary

Chain Bridge Bancorp beats First Seacoast Bancorp on 11 of the 13 factors compared between the two stocks.

About First Seacoast Bancorp

First Seacoast Bancorp, Inc. operates as the holding company for First Seacoast Bank that provides commercial and consumer banking services for individuals and businesses. The company offers interest-bearing and non-interest-bearing checking, savings, and money market accounts, as well as time deposits. It also provides various lending products comprising one- to four-family residential real estate loans; commercial real estate and multi-family real estate loans; acquisition, development, and land loans; commercial and industrial loans; home equity loans and lines of credit; and consumer loans. In addition, the company offers wealth management services, such as retirement planning, portfolio management, investment and insurance strategies, business retirement plans, and college planning services. The company was founded in 1890 and is headquartered in Dover, New Hampshire. First Seacoast Bancorp, Inc. is a subsidiary of First Seacoast Bancorp, MHC.

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.