Contrasting BOK Financial (NASDAQ:BOKF) and Pacific Valley Bancorp (OTCMKTS:PVBK)

BOK Financial (NASDAQ:BOKF) and Pacific Valley Bancorp (OTCMKTS:PVBK) are both finance companies, but which is the superior stock? We will compare the two businesses based on the strength of their analyst recommendations, dividends, valuation, institutional ownership, earnings, profitability and risk.

Institutional and Insider Ownership

34.4% of BOK Financial shares are held by institutional investors. Comparatively, 2.8% of Pacific Valley Bancorp shares are held by institutional investors. 60.1% of BOK Financial shares are held by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company will outperform the market over the long term.

Volatility & Risk

BOK Financial has a beta of 0.9, indicating that its stock price is 10% less volatile than the S&P 500. Comparatively, Pacific Valley Bancorp has a beta of 0.19, indicating that its stock price is 81% less volatile than the S&P 500.

Profitability

This table compares BOK Financial and Pacific Valley Bancorp’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
BOK Financial	17.10%	9.37%	1.09%
Pacific Valley Bancorp	10.85%	N/A	N/A

Earnings and Valuation

This table compares BOK Financial and Pacific Valley Bancorp”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
BOK Financial	$3.38 billion	2.51	$577.99 million	$9.16	14.65
Pacific Valley Bancorp	$33.09 million	1.79	$3.59 million	$0.71	15.35

BOK Financial has higher revenue and earnings than Pacific Valley Bancorp. BOK Financial is trading at a lower price-to-earnings ratio than Pacific Valley Bancorp, indicating that it is currently the more affordable of the two stocks.

Analyst Recommendations

This is a summary of recent recommendations and price targets for BOK Financial and Pacific Valley Bancorp, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
BOK Financial	0	8	3	1	2.42
Pacific Valley Bancorp	0	0	0	0	0.00

BOK Financial presently has a consensus target price of $129.33, suggesting a potential downside of 3.64%. Given BOK Financial’s stronger consensus rating and higher possible upside, equities analysts plainly believe BOK Financial is more favorable than Pacific Valley Bancorp.

Summary

BOK Financial beats Pacific Valley Bancorp on 14 of the 15 factors compared between the two stocks.

About BOK Financial

BOK Financial Corporation operates as the financial holding company for BOKF, NA that provides various financial products and services in Oklahoma, Texas, New Mexico, Northwest Arkansas, Colorado, Arizona, and Kansas/Missouri. It operates through three segments: Commercial Banking, Consumer Banking, and Wealth Management. The Commercial Banking segment offers lending, treasury, cash management, and customer commodity risk management products for small businesses, middle market, and larger commercial customers, as well as operates TransFund electronic funds transfer network. The Consumer Banking segment engages in the provision of retail lending and deposit services to small business customers through retail branch network; and mortgage loan origination and servicing activities. The Wealth Management segment offers fiduciary, private bank, insurance, and investment advisory services; and brokerage and trading services primarily related to providing liquidity to the mortgage markets through trading of U.S. government agency mortgage-backed securities and related derivative contracts, as well as underwrites state and municipal securities. The company also provides commercial loans, such as loans for working capital, facilities acquisition or expansion, purchases of equipment, and other needs of commercial customers; and service, healthcare, manufacturing, wholesale/retail, energy, and other sector loans. In addition, it offers commercial real estate loans for the construction of buildings or other improvements to real estate and property held by borrowers for investment purposes; residential mortgage and personal loans; and automated teller machine, call center, and Internet and mobile banking services. The company was founded in 1910 and is headquartered in Tulsa, Oklahoma.

About Pacific Valley Bancorp

Pacific Valley Bancorp operates as the bank holding company for Pacific Valley Bank that provides various banking products and services in the United States. The company offers personal and business banking, including checking accounts, savings and money market accounts, and certificates of deposit; and online solutions, such as online and mobile banking, bill pay, remote deposit capture, positive pay, e-statements, and order checks. It also provides commercial or agriculture lines of credit, commercial or agriculture terms loans, commercial constructions loans, agriculture production lending, and government guaranteed loan programs; and debit card, incoming wire instructions, ATM locator, fraud prevention, identity theft, and FDIC insurance estimator services. The company was founded in 2004 and is headquartered in Salinas, California.