Bridgewater Bancshares (NASDAQ:BWB – Get Free Report) and OP Bancorp (NASDAQ:OPBK – Get Free Report) are both small-cap finance companies, but which is the better business? We will contrast the two companies based on the strength of their institutional ownership, analyst recommendations, profitability, valuation, earnings, risk and dividends.
Risk & Volatility
Bridgewater Bancshares has a beta of 0.68, meaning that its share price is 32% less volatile than the S&P 500. Comparatively, OP Bancorp has a beta of 0.63, meaning that its share price is 37% less volatile than the S&P 500.
Analyst Ratings
This is a summary of current ratings and recommmendations for Bridgewater Bancshares and OP Bancorp, as reported by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Bridgewater Bancshares | 0 | 0 | 3 | 0 | 3.00 |
| OP Bancorp | 0 | 1 | 0 | 0 | 2.00 |
Profitability
This table compares Bridgewater Bancshares and OP Bancorp’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Bridgewater Bancshares | 14.27% | 9.51% | 0.74% |
| OP Bancorp | 14.52% | 10.92% | 0.95% |
Insider and Institutional Ownership
65.8% of Bridgewater Bancshares shares are held by institutional investors. Comparatively, 53.6% of OP Bancorp shares are held by institutional investors. 23.2% of Bridgewater Bancshares shares are held by company insiders. Comparatively, 21.3% of OP Bancorp shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company will outperform the market over the long term.
Earnings & Valuation
This table compares Bridgewater Bancshares and OP Bancorp”s top-line revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Bridgewater Bancshares | $106.81 million | 3.62 | $39.96 million | $1.13 | 12.50 |
| OP Bancorp | $135.85 million | 1.35 | $23.92 million | $1.40 | 8.76 |
Bridgewater Bancshares has higher earnings, but lower revenue than OP Bancorp. OP Bancorp is trading at a lower price-to-earnings ratio than Bridgewater Bancshares, indicating that it is currently the more affordable of the two stocks.
Summary
Bridgewater Bancshares beats OP Bancorp on 9 of the 14 factors compared between the two stocks.
About Bridgewater Bancshares
Bridgewater Bancshares, Inc. operates as the bank holding company for Bridgewater Bank that provides banking products and services to commercial real estate investors, entrepreneurs, business clients, and individuals in the United States. The company provides savings and money market accounts, demand deposits, time and brokered deposits, and interest and noninterest bearing transaction, as well as certificates of deposit. It offers commercial loans to sole proprietorships, partnerships, corporations, and other business enterprises to finance working capital, capital investment, or for other business related purposes; paycheck protection program loans; construction and land development loans; 1-4 family mortgage loans; multifamily lending products; owner and non-owner occupied commercial real estate loans; and consumer and other loans. In addition, the company online, mobile, and direct banking services. Bridgewater Bancshares, Inc. was incorporated in 2005 and is headquartered in Saint Louis Park, Minnesota.
About OP Bancorp
OP Bancorp operates as the bank holding company for Open Bank that provides banking products and services in California. It offers demand, checking, savings, money market, and time deposit accounts, as well as certificates of deposit. The company also provides commercial real estate, small business administration, commercial and industrial business, single-family residential, term, consumer, and home mortgage loans; trade financing products; and letters of credit, and SWIFT and export advice. In addition, it offers debit and credit card, online transfer and bill payment, electronic delivery of customer statements, and mobile banking solutions for iPhone and Android phones, including remote check deposit with mobile bill pay; direct deposits, cashier's checks, person to person payments, wire transfers, and automated clearing house (ACH) services; and cash management services, including balance reporting, transfers between accounts, wire transfer initiation, ACH origination, and stop payment services, as well as remote deposit capture, positive pay, zero balance accounts, and sweep accounts. The company operates full branch offices in Downtown Los Angeles, Los Angeles Fashion District, Los Angeles Koreatown, Gardena, Buena Park, and Santa Clara in California; and Carrollton, Texas; and operates loan production offices in Pleasanton, California; Atlanta, Georgia; Aurora, Colorado; and Lynnwood in Washington. The company was founded in 2005 and is headquartered in Los Angeles, California.
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