HarborOne Bancorp (NASDAQ:HONE – Get Free Report) and Blue Ridge Bankshares (NASDAQ:BRBS – Get Free Report) are both small-cap finance companies, but which is the better investment? We will compare the two companies based on the strength of their earnings, profitability, analyst recommendations, valuation, institutional ownership, risk and dividends.
Volatility & Risk
HarborOne Bancorp has a beta of 0.76, suggesting that its share price is 24% less volatile than the S&P 500. Comparatively, Blue Ridge Bankshares has a beta of 0.82, suggesting that its share price is 18% less volatile than the S&P 500.
Institutional & Insider Ownership
65.0% of HarborOne Bancorp shares are held by institutional investors. Comparatively, 50.5% of Blue Ridge Bankshares shares are held by institutional investors. 4.9% of HarborOne Bancorp shares are held by insiders. Comparatively, 4.9% of Blue Ridge Bankshares shares are held by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth.
Valuation and Earnings
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| HarborOne Bancorp | $286.14 million | 1.85 | $16.08 million | $0.28 | 42.97 |
| Blue Ridge Bankshares | $197.54 million | 1.26 | -$51.77 million | ($0.91) | -3.73 |
HarborOne Bancorp has higher revenue and earnings than Blue Ridge Bankshares. Blue Ridge Bankshares is trading at a lower price-to-earnings ratio than HarborOne Bancorp, indicating that it is currently the more affordable of the two stocks.
Profitability
This table compares HarborOne Bancorp and Blue Ridge Bankshares’ net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| HarborOne Bancorp | 3.68% | 3.82% | 0.38% |
| Blue Ridge Bankshares | -10.60% | -7.44% | -0.63% |
Analyst Recommendations
This is a breakdown of recent ratings and recommmendations for HarborOne Bancorp and Blue Ridge Bankshares, as reported by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| HarborOne Bancorp | 0 | 1 | 0 | 0 | 2.00 |
| Blue Ridge Bankshares | 0 | 0 | 0 | 0 | 0.00 |
HarborOne Bancorp currently has a consensus target price of $13.00, indicating a potential upside of 8.06%. Given HarborOne Bancorp’s stronger consensus rating and higher probable upside, analysts plainly believe HarborOne Bancorp is more favorable than Blue Ridge Bankshares.
Summary
HarborOne Bancorp beats Blue Ridge Bankshares on 11 of the 13 factors compared between the two stocks.
About HarborOne Bancorp
HarborOne Bancorp, Inc. operates as the holding company for HarborOne Bank that provides financial services to individuals, families, small and mid-size businesses, and municipalities. The company operates in two segments, HarborOne Bank and HarborOne Mortgage. Its primary deposit products include checking, money market, savings, and term certificate of deposit accounts; and primary lending products comprise commercial real estate, commercial, residential mortgages, home equity, and consumer loans. The company also originates, sells, and services residential mortgage loans. In addition, it provides various educational services, such as free digital content, webinars, and recordings for small business and personal financial education under the HarborOne U name. The company operates through a network of full-service branches located in Massachusetts and Rhode Island, as well as commercial lending offices in each of Boston, Massachusetts, and Providence, Rhode Island, as well as administrative offices in Brockton, Massachusetts, as well as ATM locations in Massachusetts. HarborOne Bancorp, Inc. was founded in 1917 and is headquartered in Brockton, Massachusetts.
About Blue Ridge Bankshares
Blue Ridge Bankshares, Inc. operates as a bank holding company for the Blue Ridge Bank, National Association that provides commercial and consumer banking, and financial services. It operates through: Commercial Banking and Mortgage Banking segments. The company accepts checking, savings, money market, cash management, and individual retirement accounts, as well as certificates of deposit. It also offers commercial and industrial, residential mortgages, commercial mortgages, home equity, consumer installment, and guaranteed government loans; and residential mortgage loans and mortgages loans on real estate. In addition, it provides wire, direct deposit payroll, remote deposit, electronic statement, and other services; and property and casualty insurance products to individuals and businesses, as well as online, mobile, and telephone banking services. Further, the company offers employee benefit plans and administration services; management services for personal and corporate trusts, including estate planning and settlement, and trust administration, investment and wealth management services. It operates in Callao, Charlottesville, Chester, Colonial Heights, Culpeper, Fredericksburg, Gordonsville, Harrisonburg, Hartfield, Henrico, Kilmarnock, Louisa, Luray, Martinsville, Midlothian, Mineral, Montross, Orange, Petersburg, Richmond, Shenandoah, Suffolk, Virginia Beach, Warsaw, and White Stone, Virginia; and Greensboro, North Carolina. The company was founded in 1893 and is headquartered in Charlottesville, Virginia.
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