Contrasting Bridge Bancorp (BDGE) and UMB Financial (UMBF)

Bridge Bancorp (NASDAQ:BDGE) and UMB Financial (NASDAQ:UMBF) are both finance companies, but which is the better stock? We will contrast the two companies based on the strength of their analyst recommendations, institutional ownership, earnings, valuation, profitability, risk and dividends.

Risk & Volatility

Bridge Bancorp has a beta of 0.79, meaning that its stock price is 21% less volatile than the S&P 500. Comparatively, UMB Financial has a beta of 0.86, meaning that its stock price is 14% less volatile than the S&P 500.

Valuation and Earnings

This table compares Bridge Bancorp and UMB Financial’s revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Bridge Bancorp $167.95 million 3.58 $20.53 million N/A N/A
UMB Financial $1.04 billion 3.19 $247.10 million $3.75 17.67

UMB Financial has higher revenue and earnings than Bridge Bancorp.

Analyst Recommendations

This is a breakdown of recent recommendations for Bridge Bancorp and UMB Financial, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Bridge Bancorp 0 2 1 0 2.33
UMB Financial 0 3 0 0 2.00

Bridge Bancorp currently has a consensus target price of $39.17, suggesting a potential upside of 28.84%. UMB Financial has a consensus target price of $78.00, suggesting a potential upside of 17.74%. Given Bridge Bancorp’s stronger consensus rating and higher possible upside, equities analysts clearly believe Bridge Bancorp is more favorable than UMB Financial.

Profitability

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

Net Margins Return on Equity Return on Assets
Bridge Bancorp 12.39% 7.83% 0.77%
UMB Financial 25.18% 9.94% 1.03%

Insider and Institutional Ownership

57.2% of Bridge Bancorp shares are owned by institutional investors. Comparatively, 88.2% of UMB Financial shares are owned by institutional investors. 13.8% of Bridge Bancorp shares are owned by insiders. Comparatively, 10.3% of UMB Financial shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock is poised for long-term growth.

Dividends

Bridge Bancorp pays an annual dividend of $0.92 per share and has a dividend yield of 3.0%. UMB Financial pays an annual dividend of $1.16 per share and has a dividend yield of 1.8%. UMB Financial pays out 30.9% of its earnings in the form of a dividend. UMB Financial has raised its dividend for 13 consecutive years.

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.

UMB Financial Company Profile

UMB Financial Corporation, a bank holding company, provides various banking and other financial services. It operates through two segments, Bank and Asset Servicing. The Bank segment offers a range of banking services to commercial, retail, government, and correspondent bank customers through its branches, call center, Internet banking, and ATM network. Its services comprise traditional commercial and consumer banking, treasury management, leasing, foreign exchange, merchant bankcard, wealth management, brokerage, insurance, capital markets, investment banking, corporate trust, and correspondent banking. The Asset Servicing segment provides services to the asset management industry, including a range of investment products, such as mutual funds, alternative investments, and managed accounts. Its services include fund administration, fund accounting, investor services, transfer agency, distribution, marketing, custody, alternative investment services, and collective and multiple-series trust services. The company operates through a network of branches and offices in the states of Missouri, Kansas, Colorado, Illinois, Oklahoma, Texas, Arizona, Nebraska, Pennsylvania, South Dakota, Indiana, Utah, Minnesota, California, and Wisconsin. The company was founded in 1913 and is headquartered in Kansas City, Missouri.

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