Head to Head Analysis: Bridge Bancorp (BDGE) vs. OptimumBank (OPHC)

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Bridge Bancorp (NASDAQ:BDGE) and OptimumBank (NASDAQ:OPHC) are both small-cap finance companies, but which is the superior business? We will compare the two companies based on the strength of their earnings, valuation, analyst recommendations, risk, dividends, profitability and institutional ownership.

Insider & Institutional Ownership

58.3% of Bridge Bancorp shares are owned by institutional investors. Comparatively, 0.0% of OptimumBank shares are owned by institutional investors. 13.8% of Bridge Bancorp shares are owned by company insiders. Comparatively, 11.4% of OptimumBank shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company will outperform the market over the long term.

Analyst Recommendations

This is a summary of current recommendations for Bridge Bancorp and OptimumBank, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Bridge Bancorp 0 2 1 0 2.33
OptimumBank 0 0 0 0 N/A

Bridge Bancorp currently has a consensus price target of $39.17, indicating a potential upside of 42.63%. Given Bridge Bancorp’s higher possible upside, equities analysts plainly believe Bridge Bancorp is more favorable than OptimumBank.

Risk & Volatility

Bridge Bancorp has a beta of 0.8, suggesting that its stock price is 20% less volatile than the S&P 500. Comparatively, OptimumBank has a beta of 1.31, suggesting that its stock price is 31% more volatile than the S&P 500.

Profitability

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

Net Margins Return on Equity Return on Assets
Bridge Bancorp 10.46% 8.87% 0.87%
OptimumBank 29.64% 32.67% 1.42%

Dividends

Bridge Bancorp pays an annual dividend of $0.92 per share and has a dividend yield of 3.4%. OptimumBank does not pay a dividend.

Earnings and Valuation

This table compares Bridge Bancorp and OptimumBank’s top-line revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Bridge Bancorp $167.95 million 3.24 $20.53 million N/A N/A
OptimumBank $4.76 million 1.57 -$580,000.00 N/A N/A

Bridge Bancorp has higher revenue and earnings than OptimumBank.

Summary

Bridge Bancorp beats OptimumBank on 8 of the 12 factors compared between the two stocks.

About Bridge Bancorp

Bridge Bancorp, Inc. operates as the bank holding company for the BNB Bank that provide commercial and consumer banking products and services to small businesses, and municipal and consumer relationships. It accepts time, savings, and demand deposits. The company offers commercial real estate, multi-family mortgage, residential mortgage, secured and unsecured commercial and consumer, home equity, and construction loans; and mortgage-backed securities, collateralized mortgage obligations, and other asset backed securities. In addition, it offers certificate of deposit account registry service and insured cash sweep programs; merchant credit and debit card processing, cash management, lockbox processing, online banking, and remote deposit capture services; automated teller machines, safe deposit boxes, and individual retirement accounts; and investment products and services through a third party broker dealer, as well as title insurance brokerage services. As of January 29, 2018, the company operated 44 retail branch locations serving Long Island and the greater New York metropolitan area; and 1 loan production office in Manhattan. Bridge Bancorp, Inc. was founded in 1910 and is headquartered in Bridgehampton, New York.

About OptimumBank

OptimumBank Holdings, Inc. operates as the bank holding company for OptimumBank that provides a range of consumer and commercial banking services to individuals and businesses. The company accepts demand interest-bearing and noninterest-bearing, savings, money market, NOW, and time deposit accounts, as well as certificates of deposit; and offers residential and commercial real estate, commercial, and consumer loans, as well as lending lines for working capital needs. It also provides debit and ATM cards; investment, cash management, and notary and night depository services; and direct deposits, money orders, cashier's checks, domestic collections, drive-in tellers, and banking by mail, as well as Internet banking services. In addition, the company engages in holding, managing, and disposing foreclosed real estate. It operates through three banking offices located in Broward County, Florida. OptimumBank Holdings, Inc. was founded in 2000 and is based in Fort Lauderdale, Florida.

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