Analyzing Seacoast Banking Corporation of Florida (NASDAQ:SBCF) & Chain Bridge Bancorp (NYSE:CBNA)

Chain Bridge Bancorp (NYSE:CBNA) and Seacoast Banking Corporation of Florida (NASDAQ:SBCF) are both finance companies, but which is the superior investment? We will contrast the two companies based on the strength of their profitability, analyst recommendations, risk, earnings, valuation, institutional ownership and dividends.

Analyst Recommendations

This is a summary of current recommendations and price targets for Chain Bridge Bancorp and Seacoast Banking Corporation of Florida, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Chain Bridge Bancorp	0	5	0	0	2.00
Seacoast Banking Corporation of Florida	0	2	3	0	2.60

Chain Bridge Bancorp currently has a consensus price target of $42.17, indicating a potential downside of 10.81%. Seacoast Banking Corporation of Florida has a consensus price target of $35.50, indicating a potential upside of 8.63%. Given Seacoast Banking Corporation of Florida’s stronger consensus rating and higher possible upside, analysts clearly believe Seacoast Banking Corporation of Florida is more favorable than Chain Bridge Bancorp.

Profitability

This table compares Chain Bridge Bancorp and Seacoast Banking Corporation of Florida’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Chain Bridge Bancorp	38.64%	15.42%	1.44%
Seacoast Banking Corporation of Florida	15.11%	8.68%	1.14%

Insider and Institutional Ownership

81.8% of Seacoast Banking Corporation of Florida shares are owned by institutional investors. 25.4% of Chain Bridge Bancorp shares are owned by insiders. Comparatively, 1.5% of Seacoast Banking Corporation of Florida shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock is poised for long-term growth.

Risk & Volatility

Chain Bridge Bancorp has a beta of 0.22, suggesting that its share price is 78% less volatile than the S&P 500. Comparatively, Seacoast Banking Corporation of Florida has a beta of 0.9, suggesting that its share price is 10% less volatile than the S&P 500.

Valuation & Earnings

This table compares Chain Bridge Bancorp and Seacoast Banking Corporation of Florida”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Chain Bridge Bancorp	$59.32 million	5.23	$20.24 million	$4.06	11.64
Seacoast Banking Corporation of Florida	$935.52 million	3.38	$144.88 million	$1.57	20.82

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

Summary

Seacoast Banking Corporation of Florida beats Chain Bridge Bancorp 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 Seacoast Banking Corporation of Florida

Seacoast Banking Corp. of Florida is a financial holding company, which engages in the provision of integrated financial services. It provides banking and investment services to businesses and consumers, including personal and business deposit products, Internet and mobile banking, personal, commercial and mortgage loans, wealth management services, and treasury management solutions. The company was founded in 1983 and is headquartered in Stuart, FL.