As Regional – Northeast Banks companies, Elmira Savings Bank (NASDAQ:ESBK) and Bridge Bancorp Inc. (NASDAQ:BDGE) are our subject to contrast. And more specifically their profitability, analyst recommendations, risk, institutional ownership, dividends, earnings and valuation.

Valuation & Earnings

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Elmira Savings Bank	20.72M	3.15	4.24M	1.66	11.76
Bridge Bancorp Inc.	146.55M	4.27	39.23M	0.53	51.73

We can see in table 1 the earnings per share, gross revenue and valuation of Elmira Savings Bank and Bridge Bancorp Inc. Bridge Bancorp Inc. is observed to has lower earnings, but higher revenue than Elmira Savings Bank. When company has lower price-to-earnings means it is more affordable than its counterpart presently. Elmira Savings Bank’s shares have been trading at lower price-to-earnings ratio which means it is presently more affordable than Bridge Bancorp Inc.

Profitability

Table 2 shows us the return on assets, return on equity and net margins of both companies.

	Net Margins	Return on Equity	Return on Assets
Elmira Savings Bank	20.46%	8.7%	0.8%
Bridge Bancorp Inc.	26.77%	4.1%	0.4%

Risk and Volatility

Elmira Savings Bank is 79.00% less volatile than S&P 500 because the company has a beta of 0.21. From a competition point of view, Bridge Bancorp Inc. has a 0.82 beta which is 18.00% less volatile compared to S&P 500.

Dividends

Elmira Savings Bank pays out a $0.91 per share dividend on a yearly basis and it also offers 4.85% dividend yield. Bridge Bancorp Inc. offers an annual dividend of $0.92 per share, bundled with 2.89% dividend yield.

Insider and Institutional Ownership

Roughly 17.2% of Elmira Savings Bank shares are owned by institutional investors while 59.2% of Bridge Bancorp Inc. are owned by institutional investors. Elmira Savings Bank’s share owned by insiders are 1.6%. Insiders Comparatively, owned 1.9% of Bridge Bancorp Inc. shares.

Performance

Here are the Weekly, Monthly, Quarterly, Half Yearly, Yearly and YTD Performance of both pretenders.

	Performance (W)	Performance (M)	Performance (Q)	Performance (HY)	Performance (Y)	Performance (YTD)
Elmira Savings Bank	-1.57%	-3.06%	-4.23%	0.07%	0.56%	0.07%
Bridge Bancorp Inc.	-6.61%	-7.82%	-22.66%	-24.67%	-21.9%	-21.23%

For the past year Elmira Savings Bank has 0.07% stronger performance while Bridge Bancorp Inc. has -21.23% weaker performance.

Summary

Bridge Bancorp Inc. beats on 10 of the 14 factors Elmira Savings Bank.

Elmira Savings Bank provides banking products and services to individual and commercial customers. It accepts deposit products, such as savings and money market accounts, individual retirement arrangements, time deposits, retail and commercial checking accounts, NOW accounts, and certificates of deposit. The company also provides auto, truck, and motorcycle loans; personal loans; boats, recreational vehicles, and other outdoor sports equipment loans; home improvement/equity loans; jacuzzi/hot tub/pool loans; lines of credit; commercial real estate mortgages; commercial loans, including term and time loans, and small business administration loans; mortgage loans secured by first and second liens on one-to-four family residences; merchant services; and financial planning advisory services. In addition, it offers financial planning advisory services; online, mobile, and telephone banking services; overdraft protection; safe deposit boxes; notary public services; and funds transfer services, as well as operates a real estate investment trust. The company operates through a network of 13 full-service offices located in Chemung, Tompkins, Cayuga, Schuyler, and Steuben Counties; 1 limited service office located in Tompkins County; and 1 limited service office located in Broome County, New York. Elmira Savings Bank was founded in 1869 and is based in Elmira, New York.

Bridge Bancorp, Inc. operates as the bank holding company for The Bridgehampton National Bank that provides commercial and consumer banking services in the United States. Its deposit products include time, savings, and demand deposits. The company also provides various loans comprising commercial real estate mortgage, multi-family mortgage, residential real estate mortgage, real estate construction and land, commercial and consumer, home equity, and construction loan products; and mortgage-backed securities, collateralized mortgage obligations, and other asset backed securities. In addition, it offers merchant credit and debit card processing, automated teller machines, cash management, lockbox processing, online banking services, remote deposit capture, safe deposit boxes, individual retirement accounts, and investment products and services through a third party broker dealer. Further, the company operates as a broker of title insurance services. It primarily serves small businesses, municipal relationships, and consumer relationships. The company operates 40 branches in the market areas of Suffolk, Nassau counties, Bayside, and Manhattan. Bridge Bancorp, Inc. was founded in 1910 and is headquartered in Bridgehampton, New York.