Comparing Chain Bridge Bancorp (NYSE:CBNA) and CB Financial Services (NASDAQ:CBFV)

Chain Bridge Bancorp (NYSE:CBNA) and CB Financial Services (NASDAQ:CBFV) are both small-cap finance companies, but which is the superior business? We will contrast the two companies based on the strength of their analyst recommendations, valuation, risk, institutional ownership, dividends, profitability and earnings.

Risk & Volatility

Chain Bridge Bancorp has a beta of 0.45, indicating that its share price is 55% less volatile than the S&P 500. Comparatively, CB Financial Services has a beta of 0.28, indicating that its share price is 72% less volatile than the S&P 500.

Valuation & Earnings

This table compares Chain Bridge Bancorp and CB Financial Services”s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Chain Bridge Bancorp	$59.32 million	4.02	$20.24 million	$3.31	10.97
CB Financial Services	$44.14 million	4.10	$4.90 million	$1.29	27.67

Chain Bridge Bancorp has higher revenue and earnings than CB Financial Services. Chain Bridge Bancorp is trading at a lower price-to-earnings ratio than CB Financial Services, indicating that it is currently the more affordable of the two stocks.

Insider & Institutional Ownership

33.1% of CB Financial Services shares are held by institutional investors. 25.9% of Chain Bridge Bancorp shares are held by insiders. Comparatively, 10.2% of CB Financial Services shares are held by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth.

Analyst Ratings

This is a breakdown of current ratings and price targets for Chain Bridge Bancorp and CB Financial Services, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Chain Bridge Bancorp	1	4	0	0	1.80
CB Financial Services	1	1	2	0	2.25

Chain Bridge Bancorp presently has a consensus target price of $38.50, indicating a potential upside of 6.04%. CB Financial Services has a consensus target price of $41.00, indicating a potential upside of 14.88%. Given CB Financial Services’ stronger consensus rating and higher probable upside, analysts plainly believe CB Financial Services is more favorable than Chain Bridge Bancorp.

Profitability

This table compares Chain Bridge Bancorp and CB Financial Services’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Chain Bridge Bancorp	35.09%	13.31%	1.38%
CB Financial Services	8.32%	10.16%	1.01%

Summary

Chain Bridge Bancorp beats CB Financial Services on 8 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 CB Financial Services

CB Financial Services, Inc. operates as the bank holding company for Community Bank that provides various banking products and services for individuals and businesses in southwestern Pennsylvania, West Virginia, and Ohio. The company's primary deposit products include demand deposits, NOW accounts, money market accounts, and savings accounts, as well as time deposit products. Its loan products comprise residential real estate loans, such as one- to four-family mortgage loans, home equity installment loans, and home equity lines of credit; commercial real estate loans that are secured primarily by improved properties, such as retail facilities, office buildings, and other non-residential buildings; construction loans to individuals to finance the construction of residential dwellings, as well as for the construction of commercial properties, including hotels, apartment buildings, housing developments, and owner-occupied properties used for businesses; commercial and industrial loans, and lines of credit; consumer loans consisting of indirect auto loans, secured and unsecured loans, and lines of credit; and other loans. In addition, the company conducts insurance agency activities by offering property and casualty, commercial liability, surety, and other insurance products. The company was founded in 1901 and is headquartered in Carmichaels, Pennsylvania.