UMB Financial (NASDAQ:UMBF) and Bridge Bancorp (NASDAQ:BDGE) are both finance companies, but which is the better investment? We will compare the two companies based on the strength of their dividends, risk, institutional ownership, analyst recommendations, earnings, valuation and profitability.
Institutional & Insider Ownership
89.4% of UMB Financial shares are owned by institutional investors. Comparatively, 57.2% of Bridge Bancorp shares are owned by institutional investors. 10.3% of UMB Financial shares are owned by insiders. Comparatively, 13.8% of Bridge Bancorp shares are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.
UMB Financial pays an annual dividend of $1.16 per share and has a dividend yield of 1.7%. Bridge Bancorp pays an annual dividend of $0.92 per share and has a dividend yield of 2.9%. 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.
Earnings & Valuation
This table compares UMB Financial and Bridge Bancorp’s top-line revenue, earnings per share and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|UMB Financial||$1.04 billion||3.24||$247.10 million||$3.75||17.96|
|Bridge Bancorp||$167.95 million||3.73||$20.53 million||N/A||N/A|
UMB Financial has higher revenue and earnings than Bridge Bancorp.
Risk and Volatility
UMB Financial has a beta of 0.86, indicating that its share price is 14% less volatile than the S&P 500. Comparatively, Bridge Bancorp has a beta of 0.79, indicating that its share price is 21% less volatile than the S&P 500.
This is a breakdown of current ratings and recommmendations for UMB Financial and Bridge Bancorp, as provided by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
UMB Financial currently has a consensus price target of $78.00, suggesting a potential upside of 15.81%. Bridge Bancorp has a consensus price target of $39.17, suggesting a potential upside of 23.55%. Given Bridge Bancorp’s stronger consensus rating and higher possible upside, analysts plainly believe Bridge Bancorp is more favorable than UMB Financial.
This table compares UMB Financial and Bridge Bancorp’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
About UMB Financial
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.
About Bridge Bancorp
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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