First Resource Bancorp (OTCMKTS:FRSB) and Banc of California (NYSE:BANC) Head-To-Head Survey

First Resource Bancorp (OTCMKTS:FRSB) and Banc of California (NYSE:BANC) are both finance companies, but which is the better investment? We will compare the two businesses based on the strength of their valuation, risk, analyst recommendations, profitability, institutional ownership, dividends and earnings.

Earnings & Valuation

This table compares First Resource Bancorp and Banc of California’s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
First Resource Bancorp	$30.38 million	1.35	$5.93 million	$1.94	6.82
Banc of California	$1.97 billion	1.13	-$1.90 billion	($3.33)	-4.23

First Resource Bancorp has higher earnings, but lower revenue than Banc of California. Banc of California is trading at a lower price-to-earnings ratio than First Resource Bancorp, indicating that it is currently the more affordable of the two stocks.

Institutional and Insider Ownership

86.9% of Banc of California shares are owned by institutional investors. 2.8% of Banc of California shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term growth.

Analyst Recommendations

This is a summary of current ratings for First Resource Bancorp and Banc of California, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
First Resource Bancorp	0	0	0	0	N/A
Banc of California	0	5	1	0	2.17

Banc of California has a consensus target price of $16.64, suggesting a potential upside of 18.24%. Given Banc of California’s higher possible upside, analysts clearly believe Banc of California is more favorable than First Resource Bancorp.

Profitability

This table compares First Resource Bancorp and Banc of California’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
First Resource Bancorp	18.40%	N/A	N/A
Banc of California	-29.10%	2.25%	0.19%

Volatility and Risk

First Resource Bancorp has a beta of 0.41, meaning that its share price is 59% less volatile than the S&P 500. Comparatively, Banc of California has a beta of 1.15, meaning that its share price is 15% more volatile than the S&P 500.

Summary

Banc of California beats First Resource Bancorp on 8 of the 13 factors compared between the two stocks.

About First Resource Bancorp

First Resource Bancorp, Inc. operates as the bank holding for First Resource Bank that provides personal and business banking products and services to businesses and families primarily in the southeastern area of Pennsylvania. The company's offers savings, checking, and money market accounts, as well as certificate deposit account registry services, insured cash sweeps, certificates of deposit, and IRAs. Its loan products include commercial mortgages, construction loans, working capital credit lines, small business administration loans, commercial term loans, home equity lines of credit, fixed payment home equity loans, residential construction loans, land loans, overdraft protection, vehicle loans, unsecured installment loans, certificate of deposit secured installment loans, and swing loans. The company also provides personal financial statements; credit and debit cards; digital banking services; and cash management, positive pay, ACH origination, sweep/transfer of funds, ATM, over the counter checks, bill payment, wire transfer, signature guarantee/notary, safe deposit box, drive-up banking, night depository, foreign currency exchange, cashier's check, e-statements, and stop payments, as well as telephone, messaging and text, online, and mobile banking services. First Resource Bancorp, Inc. was founded in 2005 and is based in Exton, Pennsylvania.

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.