Chain Bridge Bancorp (NYSE:CBNA) and Westbury Bancorp (OTCMKTS:WBBW) Financial Review

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

Institutional & Insider Ownership

0.3% of Westbury Bancorp shares are held by institutional investors. 10.9% of Westbury Bancorp shares are held by insiders. Comparatively, 25.4% of Chain Bridge Bancorp shares are held by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock is poised for long-term growth.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Westbury Bancorp	N/A	N/A	N/A
Chain Bridge Bancorp	38.64%	15.75%	1.54%

Valuation & Earnings

This table compares Westbury 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
Westbury Bancorp	N/A	N/A	N/A	N/A	N/A
Chain Bridge Bancorp	$59.32 million	4.99	$20.24 million	$3.31	13.63

Chain Bridge Bancorp has higher revenue and earnings than Westbury Bancorp.

Analyst Ratings

This is a summary of recent ratings and target prices for Westbury Bancorp and Chain Bridge Bancorp, as reported by MarketBeat.

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

Chain Bridge Bancorp has a consensus target price of $38.50, indicating a potential downside of 14.66%. Given Chain Bridge Bancorp’s stronger consensus rating and higher possible upside, analysts clearly believe Chain Bridge Bancorp is more favorable than Westbury Bancorp.

Volatility and Risk

Westbury Bancorp has a beta of -0.19, suggesting that its stock price is 119% less volatile than the S&P 500. Comparatively, Chain Bridge Bancorp has a beta of 0.24, suggesting that its stock price is 76% less volatile than the S&P 500.

Summary

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

About Westbury Bancorp

Westbury Bancorp, Inc. operates as a holding company for Westbury Bank that provides various community banking and financial products and services for individuals, families, and businesses in the United States. The company offers checking and savings accounts, money market accounts, certificates of deposit, and term certificate accounts; personal, mortgage, one-to four-family residential real estate, multi-family, commercial business, loans, commercial real estate loans, and construction loans; credit cards; and online and mobile banking services. Westbury Bancorp, Inc. was founded in 1926 and is headquartered in Waukesha, Wisconsin.

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.