Financial Contrast: Private Bancorp of America (OTCMKTS:PBAM) vs. Inter & Co, Inc. (NASDAQ:INTR)

Private Bancorp of America (OTCMKTS:PBAM) and Inter & Co, Inc. (NASDAQ:INTR) are both finance companies, but which is the superior business? We will contrast the two companies based on the strength of their dividends, analyst recommendations, institutional ownership, risk, profitability, earnings and valuation.

Profitability

This table compares Private Bancorp of America and Inter & Co, Inc.’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Private Bancorp of America	28.74%	18.01%	1.55%
Inter & Co, Inc.	5.01%	4.16%	0.57%

Analyst Recommendations

This is a breakdown of recent ratings and price targets for Private Bancorp of America and Inter & Co, Inc., as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Private Bancorp of America	0	0	3	0	3.00
Inter & Co, Inc.	0	2	2	0	2.50

Private Bancorp of America currently has a consensus price target of $45.00, indicating a potential upside of 31.43%. Inter & Co, Inc. has a consensus price target of $5.25, indicating a potential downside of 2.78%. Given Private Bancorp of America’s stronger consensus rating and higher possible upside, equities analysts clearly believe Private Bancorp of America is more favorable than Inter & Co, Inc..

Volatility & Risk

Private Bancorp of America has a beta of 0.22, meaning that its share price is 78% less volatile than the S&P 500. Comparatively, Inter & Co, Inc. has a beta of 1.47, meaning that its share price is 47% more volatile than the S&P 500.

Insider and Institutional Ownership

13.5% of Private Bancorp of America shares are held by institutional investors. Comparatively, 22.9% of Inter & Co, Inc. shares are held by institutional investors. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.

Valuation & Earnings

This table compares Private Bancorp of America and Inter & Co, Inc.’s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Private Bancorp of America	$130.58 million	1.50	$40.86 million	$6.88	4.98
Inter & Co, Inc.	$4.75 billion	0.49	$60.56 million	$0.15	36.00

Inter & Co, Inc. has higher revenue and earnings than Private Bancorp of America. Private Bancorp of America is trading at a lower price-to-earnings ratio than Inter & Co, Inc., indicating that it is currently the more affordable of the two stocks.

Summary

Private Bancorp of America beats Inter & Co, Inc. on 8 of the 13 factors compared between the two stocks.

About Private Bancorp of America

Private Bancorp of America, Inc. operates as the bank holding company for CalPrivate Bank that provides banking products and services to individuals and businesses in California. The company offers checking and savings, money market, certificate of deposit, sweep, zero balance, and individual retirement accounts; unsecured lines of credit, personal credit lines, and term loans; additional services, such as direct deposits, online banking, ATM and debit cards, credit cards, savings/line of credit overdraft protection, and safe deposit boxes; and certificate of deposit account registry services. It also provides treasury management, merchant card, bill pay, positive pay, e-statement, remote deposit capture, ACH origination, wire transfer, electronic payments and collections, electronic check acceptance, account reconciliation, cash vault, and gift and business credit cards, as well as funds management services. In addition, the company offers term credit facilities and loans, equipment and business expansion loans, working capital lines of credit, commercial real estate financing, construction financing, letters of credit, business start-up loans, loans for business acquisition and partner buyouts, owner-occupied commercial real estate loans, equipment, furniture and fixture, and other loans; and CDARS And ICS products. Further, it provides wealth management and legal services. The company has offices in La Jolla, San Diego, Coronado, Newport Beach, Beverly Hills, El Segundo, Temecula, Mission Valley, and Redlands. Private Bancorp of America, Inc. was founded in 2006 and is headquartered in La Jolla, California.

About Inter & Co, Inc.

Inter & Co, Inc., through its subsidiaries, engages in the banking and spending, investments, insurance brokerage businesses. The company's Banking & Spending segment offers banking products and services, including checking accounts, cards, deposits, loans and advances, and other services. It also provides debt collection, foreign exchange, and financial services, as well as global account digital solution. Its investments segments offers acquisition, sale and custody of securities; structure and distributes securities in the capital market; and operated and manages fund portfolios and other assets. The company's Insurance Brokerage segment provides warranties, life, property and automobile insurance, pension, and consortium products. In addition, it offers inter shop and commerce plus services. Inter & Co, Inc. was founded in 1994 and is based in Belo Horizonte, Brazil.