Trustmark (NASDAQ:TRMK – Get Free Report) and Southern California Bancorp (NASDAQ:BCAL – Get Free Report) are both finance companies, but which is the superior stock? We will compare the two companies based on the strength of their analyst recommendations, risk, dividends, institutional ownership, earnings, profitability and valuation.
Volatility & Risk
Trustmark has a beta of 0.66, suggesting that its share price is 34% less volatile than the S&P 500. Comparatively, Southern California Bancorp has a beta of 1.21, suggesting that its share price is 21% more volatile than the S&P 500.
Earnings & Valuation
This table compares Trustmark and Southern California Bancorp”s gross revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Trustmark | $476.55 million | 4.31 | $223.01 million | $3.84 | 8.84 |
| Southern California Bancorp | $150.68 million | 3.10 | $5.43 million | $0.45 | 32.00 |
Trustmark has higher revenue and earnings than Southern California Bancorp. Trustmark is trading at a lower price-to-earnings ratio than Southern California Bancorp, indicating that it is currently the more affordable of the two stocks.
Analyst Recommendations
This is a summary of recent ratings and recommmendations for Trustmark and Southern California Bancorp, as provided by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Trustmark | 0 | 3 | 2 | 0 | 2.40 |
| Southern California Bancorp | 0 | 0 | 2 | 0 | 3.00 |
Trustmark presently has a consensus target price of $39.80, suggesting a potential upside of 17.20%. Southern California Bancorp has a consensus target price of $19.50, suggesting a potential upside of 35.42%. Given Southern California Bancorp’s stronger consensus rating and higher probable upside, analysts clearly believe Southern California Bancorp is more favorable than Trustmark.
Institutional and Insider Ownership
67.6% of Trustmark shares are held by institutional investors. Comparatively, 55.4% of Southern California Bancorp shares are held by institutional investors. 1.5% of Trustmark shares are held by insiders. Comparatively, 14.8% of Southern California Bancorp shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.
Profitability
This table compares Trustmark and Southern California Bancorp’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Trustmark | 19.42% | 10.12% | 1.03% |
| Southern California Bancorp | 2.94% | 8.97% | 1.09% |
Summary
Trustmark beats Southern California Bancorp on 7 of the 13 factors compared between the two stocks.
About Trustmark
Trustmark Corporation operates as the bank holding company for Trustmark National Bank that provides banking and other financial solutions to individuals and corporate institutions in the United States. The company operates through three segments: General Banking, Wealth Management, and Insurance. It offers checking, savings, and money market accounts; certificates of deposits and individual retirement accounts; financing for commercial and industrial projects, income-producing commercial real estate, owner-occupied real estate, and construction and land development; and installment and real estate loans, and lines of credit, as well as treasury management services. The company also provides mortgage banking services, including construction financing, production of conventional and government-insured mortgages, and secondary marketing and mortgage servicing. In addition, it provides wealth management and trust services, such as administration of personal trusts and estates; management of investment accounts for individuals, employee benefit plans, and charitable foundations; and corporate trust and institutional custody, securities brokerage, financial and estate planning, retirement plan, and investment management services. Further, the company offers business insurance products and services for medical professionals, construction, manufacturing, hospitality, real estate, and group life and health plans; and life and health insurance, and personal line policies for individual customers. Trustmark Corporation was founded in 1889 and is headquartered in Jackson, Mississippi.
About Southern California Bancorp
Southern California Bancorp operates as the holding company for Bank of Southern California, N.A. that provides various financial products to individuals, professionals, and small-to medium-sized businesses. The company offers checking, personal and business savings, and money market accounts, as well as certificates of deposit. It also provides home equity lines of credit, business loans and lines of credit, commercial real estate and construction loans, small business administration loans, letters of credit, and personal and business credit cards. In addition, the company provides cash vault, sweep accounts, and remote deposit capture services; online and mobile banking services; courier service; lockbox services; and merchant services. It operates branches in San Diego, Orange, Ventura, Los Angeles, and Riverside counties, as well as the Inland Empire. The company was founded in 2001 and is headquartered in San Diego, California.
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