Head-To-Head Survey: SB Financial Group (NASDAQ:SBFG) vs. Bridgewater Bancshares (NASDAQ:BWB)

Bridgewater Bancshares (NASDAQ:BWB) and SB Financial Group (NASDAQ:SBFG) are both small-cap finance companies, but which is the superior stock? We will compare the two businesses based on the strength of their analyst recommendations, valuation, profitability, institutional ownership, risk, dividends and earnings.

Institutional and Insider Ownership

65.8% of Bridgewater Bancshares shares are held by institutional investors. Comparatively, 66.7% of SB Financial Group shares are held by institutional investors. 23.2% of Bridgewater Bancshares shares are held by company insiders. Comparatively, 5.5% of SB Financial Group shares are held by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.

Analyst Ratings

This is a summary of current recommendations for Bridgewater Bancshares and SB Financial Group, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Bridgewater Bancshares	0	0	3	0	3.00
SB Financial Group	0	0	0	0	0.00

Bridgewater Bancshares currently has a consensus target price of $17.50, suggesting a potential upside of 27.00%. Given Bridgewater Bancshares’ stronger consensus rating and higher probable upside, analysts clearly believe Bridgewater Bancshares is more favorable than SB Financial Group.

Volatility & Risk

Bridgewater Bancshares has a beta of 0.68, suggesting that its stock price is 32% less volatile than the S&P 500. Comparatively, SB Financial Group has a beta of 0.77, suggesting that its stock price is 23% less volatile than the S&P 500.

Valuation and Earnings

This table compares Bridgewater Bancshares and SB Financial Group”s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Bridgewater Bancshares	$253.27 million	1.49	$32.83 million	$1.03	13.38
SB Financial Group	$81.37 million	1.81	$11.47 million	$1.72	12.88

Bridgewater Bancshares has higher revenue and earnings than SB Financial Group. SB Financial Group is trading at a lower price-to-earnings ratio than Bridgewater Bancshares, indicating that it is currently the more affordable of the two stocks.

Profitability

This table compares Bridgewater Bancshares and SB Financial Group’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Bridgewater Bancshares	12.96%	8.85%	0.71%
SB Financial Group	14.10%	8.98%	0.84%

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 SB Financial Group

SB Financial Group, Inc. operates as the financial holding company for the State Bank and Trust Company that provides a range of commercial banking and wealth management services to individual and corporate customers primarily in Ohio, Indiana, and Michigan. It offers checking, savings, money market accounts, as well as time certificates of deposit; and commercial, consumer, agricultural, and residential mortgage loans. The company also provides automatic teller machine, personal and corporate trust, commercial leasing, bank credit card, safe deposit box rental, internet banking, private client group, and other personalized banking products and services; and various trust and financial services comprising asset management services for individuals and corporate employee benefit plans, as well as brokerage services. In addition, it sells insurance products to retail and commercial customers. The company was formerly known as Rurban Financial Corp. and changed its name to SB Financial Group, Inc. in April 2013. SB Financial Group, Inc. was founded in 1902 and is based in Defiance, Ohio.