Financial Review: California International Bank, N.A. (OTCMKTS:CAIB) versus Banc of California (NYSE:BANC)

California International Bank, N.A. (OTCMKTS:CAIB) and Banc of California (NYSE:BANC) are both finance companies, but which is the superior business? We will contrast the two businesses based on the strength of their earnings, analyst recommendations, dividends, valuation, risk, profitability and institutional ownership.

Earnings and Valuation

This table compares California International Bank, N.A. and Banc of California”s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
California International Bank, N.A.	$5.09 million	2.63	N/A	N/A	N/A
Banc of California	$1.89 billion	1.67	$126.89 million	$1.04	20.03

Banc of California has higher revenue and earnings than California International Bank, N.A..

Profitability

This table compares California International Bank, N.A. and Banc of California’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
California International Bank, N.A.	N/A	N/A	N/A
Banc of California	11.49%	8.00%	0.70%

Risk & Volatility

California International Bank, N.A. has a beta of -1.24, indicating that its share price is 224% less volatile than the S&P 500. Comparatively, Banc of California has a beta of 0.69, indicating that its share price is 31% less volatile than the S&P 500.

Analyst Ratings

This is a breakdown of current ratings and price targets for California International Bank, N.A. and Banc of California, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
California International Bank, N.A.	0	0	0	0	0.00
Banc of California	0	2	8	1	2.91

Banc of California has a consensus price target of $19.95, suggesting a potential downside of 4.22%. Given Banc of California’s stronger consensus rating and higher possible upside, analysts plainly believe Banc of California is more favorable than California International Bank, N.A..

Insider and Institutional Ownership

86.9% of Banc of California shares are owned by institutional investors. 2.7% of Banc of California shares are owned 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.

Summary

Banc of California beats California International Bank, N.A. on 11 of the 12 factors compared between the two stocks.

About California International Bank, N.A.

California International Bank, N.A. provides various banking products and services to personal and business customers in California. It offers checking accounts, savings and investment products, loans, ATM and debit cards, payment processing solutions, and online banking services. California International Bank, N.A. was incorporated in 2006 and is headquartered in Westminster, California.

About Banc of California

Banc of California, Inc. operates as the bank holding company for Banc of California that provides various banking products and services in California. The company offers deposit products, such as checking, savings, money market, demand, and time deposits; certificates of deposit; retirement accounts; and safe deposit boxes. It also provides real estate loans to professional developers and real estate investors for the acquisition, construction, refinancing, renovation, and on-going operation of commercial real estate properties; commercial real estate mortgage, residential real estate mortgage, and real estate construction and land loans; commercial loans and leases, such as equipment finance, other asset-based, venture capital, secured business, warehouse, and other lending services; small business administration loans; and consumer loans comprising personal, auto, and other loans, as well as home equity and revolving lines of credit. In addition, the company offers international banking, multi-state deposit, and asset and investment management services, as well as cash and treasury management services; and online, mobile, remote deposit, and telephone banking services. It serves small and middle-market businesses, venture capital firms, non-profit organizations, business owners, entrepreneurs, professionals, and high-net worth individuals. Banc of California, Inc. was founded in 1941 and is headquartered in Los Angeles, California.