Critical Review: Albina Community Bancorp (OTCMKTS:ACBCQ) and Bridgewater Bancshares (NASDAQ:BWB)

Bridgewater Bancshares (NASDAQ:BWB) and Albina Community Bancorp (OTCMKTS:ACBCQ) are both finance companies, but which is the better business? We will compare the two businesses based on the strength of their dividends, earnings, profitability, valuation, analyst recommendations, institutional ownership and risk.

Earnings and Valuation

This table compares Bridgewater Bancshares and Albina Community Bancorp”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Bridgewater Bancshares	$106.81 million	3.53	$39.96 million	$1.13	12.19
Albina Community Bancorp	N/A	N/A	N/A	N/A	N/A

Bridgewater Bancshares has higher revenue and earnings than Albina Community Bancorp.

Risk & Volatility

Bridgewater Bancshares has a beta of 0.68, meaning that its stock price is 32% less volatile than the S&P 500. Comparatively, Albina Community Bancorp has a beta of 4.41, meaning that its stock price is 341% more volatile than the S&P 500.

Analyst Recommendations

This is a summary of recent ratings and recommmendations for Bridgewater Bancshares and Albina Community Bancorp, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Bridgewater Bancshares	0	0	3	0	3.00
Albina Community Bancorp	0	0	0	0	N/A

Bridgewater Bancshares currently has a consensus target price of $17.00, suggesting a potential upside of 23.46%. Given Bridgewater Bancshares’ higher possible upside, equities research analysts plainly believe Bridgewater Bancshares is more favorable than Albina Community Bancorp.

Institutional & Insider Ownership

65.8% of Bridgewater Bancshares shares are owned by institutional investors. 23.2% of Bridgewater Bancshares shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.

Profitability

This table compares Bridgewater Bancshares and Albina Community 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%
Albina Community Bancorp	N/A	N/A	N/A

Summary

Bridgewater Bancshares beats Albina Community Bancorp on 8 of the 9 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 Albina Community Bancorp

Albina Community Bancorp operates as a bank holding company for Albina Community Bank that provides various banking products and services in Portland. The company offers checking, savings, and money market deposit accounts, as well as certificates of deposits and individual retirement accounts. It also provides personal loans, home equity lines of credit, operating lines of credit, term loans, and commercial real estate loans; government guaranteed lending and accounts receivable financing; and credit cards. In addition, the company offers online banking and cash management, merchant, wire transfer, online bill payment, business payroll, deposit courier, night depository, automated customer, free cash withdrawals, and workplace banking services, as well as overdraft protection products. Albina Community Bancorp was incorporated in 1993 and is based in Portland, Oregon. On September 17, 2014, Albina Community Bancorp filed a voluntary petition for liquidation under Chapter 7 in the US Bankruptcy Court for the District of Oregon.