Critical Analysis: California International Bank, N.A. (OTCMKTS:CAIB) and PCB Bancorp (NASDAQ:PCB)

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

Valuation & Earnings

This table compares California International Bank, N.A. and PCB Bancorp”s revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
California International Bank, N.A.	$5.09 million	N/A	N/A	N/A	N/A
PCB Bancorp	$191.91 million	1.61	$25.81 million	$1.94	11.14

PCB Bancorp has higher revenue and earnings than California International Bank, N.A..

Risk and Volatility

California International Bank, N.A. has a beta of -1.49, meaning that its share price is 249% less volatile than the S&P 500. Comparatively, PCB Bancorp has a beta of 0.56, meaning that its share price is 44% less volatile than the S&P 500.

Profitability

This table compares California International Bank, N.A. and PCB Bancorp’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
PCB Bancorp	14.81%	9.54%	0.96%

Analyst Ratings

This is a breakdown of recent recommendations and price targets for California International Bank, N.A. and PCB Bancorp, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
California International Bank, N.A.	0	0	0	0	0.00
PCB Bancorp	0	2	0	0	2.00

PCB Bancorp has a consensus target price of $22.00, indicating a potential upside of 1.76%. Given PCB Bancorp’s stronger consensus rating and higher possible upside, analysts clearly believe PCB Bancorp is more favorable than California International Bank, N.A..

Institutional & Insider Ownership

33.0% of PCB Bancorp shares are owned by institutional investors. 25.0% of PCB Bancorp shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.

Summary

PCB Bancorp beats California International Bank, N.A. on 9 of the 9 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 PCB Bancorp

PCB Bancorp operates as the bank holding company for PCB Bank that provides various banking products and services to small to medium-sized businesses, individuals, and professionals in Southern California. The company offers demand, savings, money market, and time deposits, as well as certificates of deposit; and trade finance, remote deposit capture, courier deposit services, positive pay services, zero balance accounts, and sweep accounts. It also provides real estate loans, including commercial and residential, Small Business Administration (SBA) property, and construction loans; commercial and industrial loans, such as commercial term and lines of credit, SBA commercial term, and SBA Paycheck Protection Program loans; and consumer loans comprising residential mortgage; and automobile loans, unsecured lines of credit, and term loans. In addition, the company offers access to account balances, online transfers, and online bill payment and electronic delivery of customer statements; and mobile banking solutions that include remote check deposit and mobile bill pay. Further, it provides automated teller machines; and banking by telephone, mail, personal appointment, debit cards, direct deposit, and cashier's checks, as well as treasury management, wire transfer, and automated clearing house services. The company operates through a network of full-service branches in Los Angeles and Orange counties, California; Carrollton and Dallas, Texas; and Englewood Cliffs and Palisade Park, New Jersey, and Bayside, New York. It also operates loan production offices in Los Angeles and Orange Counties, California; Annandale, Virginia; Atlanta, Georgia; Bellevue, Washington; Aurora, Colorado; and Carrollton, Texas. The company was formerly known as Pacific City Financial Corporation and changed its name to PCB Bancorp in July 2019. PCB Bancorp was founded in 2003 and is headquartered in Los Angeles, California.