Analyzing Oak Ridge Financial Services (OTCMKTS:BKOR) & Bridge Bancorp (BDGE)

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Oak Ridge Financial Services (OTCMKTS:BKOR) and Bridge Bancorp (NASDAQ:BDGE) are both small-cap finance companies, but which is the superior stock? We will contrast the two businesses based on the strength of their institutional ownership, dividends, analyst recommendations, valuation, risk, earnings and profitability.

Analyst Ratings

This is a summary of current ratings and recommmendations for Oak Ridge Financial Services and Bridge Bancorp, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Oak Ridge Financial Services 0 0 0 0 N/A
Bridge Bancorp 0 2 1 0 2.33

Bridge Bancorp has a consensus target price of $39.17, indicating a potential upside of 41.81%. Given Bridge Bancorp’s higher possible upside, analysts clearly believe Bridge Bancorp is more favorable than Oak Ridge Financial Services.

Profitability

This table compares Oak Ridge Financial Services and Bridge Bancorp’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Oak Ridge Financial Services 15.77% N/A N/A
Bridge Bancorp 10.46% 8.87% 0.87%

Volatility and Risk

Oak Ridge Financial Services has a beta of 0.36, meaning that its share price is 64% less volatile than the S&P 500. Comparatively, Bridge Bancorp has a beta of 0.8, meaning that its share price is 20% less volatile than the S&P 500.

Valuation & Earnings

This table compares Oak Ridge Financial Services and Bridge Bancorp’s gross revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Oak Ridge Financial Services $20.16 million 1.95 $2.89 million N/A N/A
Bridge Bancorp $167.95 million 3.25 $20.53 million N/A N/A

Bridge Bancorp has higher revenue and earnings than Oak Ridge Financial Services.

Dividends

Bridge Bancorp pays an annual dividend of $0.92 per share and has a dividend yield of 3.3%. Oak Ridge Financial Services does not pay a dividend.

Institutional and Insider Ownership

7.8% of Oak Ridge Financial Services shares are owned by institutional investors. Comparatively, 58.3% of Bridge Bancorp shares are owned by institutional investors. 25.6% of Oak Ridge Financial Services shares are owned by company insiders. Comparatively, 13.8% of Bridge Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock is poised for long-term growth.

Summary

Bridge Bancorp beats Oak Ridge Financial Services on 11 of the 13 factors compared between the two stocks.

Oak Ridge Financial Services Company Profile

Oak Ridge Financial Services, Inc. operates as a bank holding company for Bank of Oak Ridge that provides various banking products and services for individuals and businesses. The company accepts various deposit products, such as checking accounts, savings accounts; and provides home loans, refinancing, reverse mortgages, home equity loans, business term loans, and business lines of credit, as well as credit cards. It also offers overdrafts, investment products, cash management services, remote deposit capturing services; interactive teller machines; online, telephone, and mobile banking services; and E-Statements. In addition, the company provides insurance services, including personal, life, homeowners, personal umbrella, vacation home, condo/renters, automobile, motorcycle, watercraft, flood recreational vehicle, worker compensation, builder's risk, business property, commercial auto, liability, crime and employee theft, inland marine equipment, professional, and wealth protection insurance services. It operates through a network of branches in Greensboro, Summerfield, and Oak Ridge, North Carolina. The company was founded in 2000 and is based in Oak Ridge, North Carolina.

Bridge Bancorp Company Profile

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.

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