Bridgewater Bancshares (NASDAQ:BWB – Get Free Report) and QCR (NASDAQ:QCRH – Get Free Report) are both small-cap finance companies, but which is the superior business? We will compare the two businesses based on the strength of their analyst recommendations, earnings, institutional ownership, profitability, dividends, valuation and risk.
Profitability
This table compares Bridgewater Bancshares and QCR’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% |
| QCR | 19.37% | 12.90% | 1.33% |
Risk and Volatility
Bridgewater Bancshares has a beta of 0.68, indicating that its stock price is 32% less volatile than the S&P 500. Comparatively, QCR has a beta of 0.95, indicating that its stock price is 5% less volatile than the S&P 500.
Analyst Ratings
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Bridgewater Bancshares | 0 | 0 | 3 | 0 | 3.00 |
| QCR | 0 | 0 | 3 | 0 | 3.00 |
Bridgewater Bancshares currently has a consensus target price of $17.00, suggesting a potential upside of 23.10%. QCR has a consensus target price of $76.00, suggesting a potential upside of 2.41%. Given Bridgewater Bancshares’ higher possible upside, research analysts clearly believe Bridgewater Bancshares is more favorable than QCR.
Valuation & Earnings
This table compares Bridgewater Bancshares and QCR’s gross 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 | 3.54 | $39.96 million | $1.13 | 12.22 |
| QCR | $344.84 million | 3.62 | $113.56 million | $6.71 | 11.06 |
QCR has higher revenue and earnings than Bridgewater Bancshares. QCR is trading at a lower price-to-earnings ratio than Bridgewater Bancshares, indicating that it is currently the more affordable of the two stocks.
Insider & Institutional Ownership
65.8% of Bridgewater Bancshares shares are owned by institutional investors. Comparatively, 70.0% of QCR shares are owned by institutional investors. 23.2% of Bridgewater Bancshares shares are owned by company insiders. Comparatively, 3.7% of QCR shares are owned by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.
Summary
QCR beats Bridgewater Bancshares on 9 of the 12 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 QCR
QCR Holdings, Inc., a multi-bank holding company, provides commercial and consumer banking, and trust and asset management services. The company's deposit products include noninterest-bearing demand, interest-bearing demand, time, and brokered deposits. It also provides various commercial and retail lending/leasing, and investment services to corporations, partnerships, individuals, and government agencies. The company's loan portfolio comprises loans to small and mid-sized businesses; business loans, including lines of credit for working capital and operational purposes; term loans for the acquisition of facilities, equipment, and other purposes; commercial and residential real estate loans; and installment and other consumer loans, such as home improvement, home equity, motor vehicle, and signature loans, as well as small personal credit lines. In addition, it engages in leasing of machinery and equipment to commercial and industrial businesses under direct financing lease contracts; and issuance of trust preferred securities. QCR Holdings, Inc. was incorporated in 1993 and is headquartered in Moline, Illinois.
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