Head to Head Survey: Pacific Alliance Bank (OTCMKTS:PFBN) & American Business Bank (OTCMKTS:AMBZ)

Risk and Volatility

Pacific Alliance Bank has a beta of 0.17, indicating that its share price is 83% less volatile than the S&P 500. Comparatively, American Business Bank has a beta of 0.31, indicating that its share price is 69% less volatile than the S&P 500.

Valuation & Earnings

This table compares Pacific Alliance Bank and American Business Bank”s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Pacific Alliance Bank	$23.57 million	1.16	$1.43 million	N/A	N/A
American Business Bank	$183.26 million	3.09	$43.28 million	$5.58	11.43

American Business Bank has higher revenue and earnings than Pacific Alliance Bank.

Profitability

This table compares Pacific Alliance Bank and American Business Bank’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Pacific Alliance Bank	N/A	N/A	N/A
American Business Bank	26.10%	N/A	N/A

Insider & Institutional Ownership

9.9% of American Business Bank shares are held by institutional investors. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company will outperform the market over the long term.

Dividends

Pacific Alliance Bank pays an annual dividend of $0.10 per share and has a dividend yield of 1.2%. American Business Bank pays an annual dividend of $1.00 per share and has a dividend yield of 1.6%. American Business Bank pays out 17.9% of its earnings in the form of a dividend.

Summary

American Business Bank beats Pacific Alliance Bank on 7 of the 8 factors compared between the two stocks.

About Pacific Alliance Bank

Pacific Alliance Bank provides commercial and consumer banking products and services for small to midsize business owners, and employees in the United States. It offers checking, money market, savings, and individual retirement accounts; and certificates of deposit. The company also provides mortgage, commercial, term, commercial real estate, construction, and SBA loans; and lines of credit. In addition, it offers personal and business online services; and casher checks, check reorder, night deposit, direct deposit, safe deposit boxes, positive pay/check reconciliation, wire, debit card, and other services. The company was founded in 2006 and is headquartered in San Gabriel, California.

About American Business Bank

American Business Bank, a California-chartered bank, provides banking products and services to small and medium-sized firms, non-profits, business executives, and professionals in Southern California. The company offers credit and depository; treasury management; asset-based lending; SBA lending; international banking comprising money transfers, import and export commercial letters of credit, standby letters of credit, documentary and clean collections, and foreign currency exchange services; and consulting and referral services. It operates regional loan production offices located in North Orange County, Orange County, South Bay, San Fernando Valley, Riverside County, Inland Empire, and Long Beach. American Business Bank was incorporated in 1998 and is headquartered in Los Angeles, California.