Critical Survey: City (NASDAQ:CHCO) and Chain Bridge Bancorp (NYSE:CBNA)

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

Profitability

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

	Net Margins	Return on Equity	Return on Assets
City	30.83%	16.49%	1.83%
Chain Bridge Bancorp	N/A	N/A	N/A

Earnings & Valuation

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

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
City	$379.76 million	4.62	$117.10 million	$7.89	15.13
Chain Bridge Bancorp	$56.65 million	2.87	N/A	N/A	N/A

City has higher revenue and earnings than Chain Bridge Bancorp.

Analyst Ratings

This is a breakdown of recent ratings and recommmendations for City and Chain Bridge Bancorp, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
City	0	4	0	0	2.00
Chain Bridge Bancorp	0	1	1	1	3.00

City currently has a consensus price target of $116.75, suggesting a potential downside of 2.18%. Chain Bridge Bancorp has a consensus price target of $30.33, suggesting a potential upside of 22.19%. Given Chain Bridge Bancorp’s stronger consensus rating and higher possible upside, analysts plainly believe Chain Bridge Bancorp is more favorable than City.

Institutional & Insider Ownership

72.4% of City shares are held by institutional investors. 2.4% of City shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.

Summary

City beats Chain Bridge Bancorp on 7 of the 11 factors compared between the two stocks.

About City

City Holding Company operates as a holding company for City National Bank of West Virginia that provides various banking, trust, and investment management, and other financial solutions in the United States. The company offers checking, savings, and money market accounts, as well as certificates of deposit and individual retirement accounts. It also provides commercial and industrial loans that consist of loans to corporate and other legal entity borrowers primarily in small to mid-size industrial and commercial companies; commercial real estate loans comprising commercial mortgages, which are secured by nonresidential and multi-family residential properties; residential real estate loans to consumers for the purchase or refinance of residence; first-priority home equity loans; home equity lines of credit; amortized home equity loans; consumer loans that are secured and unsecured by automobiles, boats, recreational vehicles, certificates of deposit, and other personal property; and demand deposit account overdrafts, as well as owner-occupied real estate and construction, land development, and lines of credit. In addition, the company offers mortgage banking services, including fixed and adjustable-rate mortgages, construction financing, land loans, production of conventional and government-insured mortgages, secondary marketing, and mortgage servicing. Further, it provides deposit services for commercial customers comprising treasury management, lockbox, and other cash management services; merchant credit card services; wealth management, trust, investment, and custodial services for commercial and individual customers; and corporate trust and institutional custody, financial and estate planning, and retirement plan services, as well as automated-teller-machine, interactive-teller-machine, mobile banking, interactive voice response systems, and credit and debit card services. City Holding Company was founded in 1957 and is headquartered in Charleston, West Virginia.

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.