Comparing OP Bancorp (NASDAQ:OPBK) and California International Bank, N.A. (OTCMKTS:CAIB)

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

Insider and Institutional Ownership

53.6% of OP Bancorp shares are held by institutional investors. 20.4% of OP Bancorp shares are held by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock will outperform the market over the long term.

Analyst Recommendations

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

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
OP Bancorp	0	1	0	0	2.00
California International Bank, N.A.	0	0	0	0	0.00

OP Bancorp currently has a consensus price target of $15.50, suggesting a potential upside of 21.86%. Given OP Bancorp’s stronger consensus rating and higher possible upside, equities research analysts clearly believe OP Bancorp is more favorable than California International Bank, N.A..

Profitability

This table compares OP Bancorp and California International Bank, N.A.’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
OP Bancorp	13.91%	10.81%	0.92%
California International Bank, N.A.	N/A	N/A	N/A

Volatility & Risk

OP Bancorp has a beta of 0.7, suggesting that its share price is 30% less volatile than the S&P 500. Comparatively, California International Bank, N.A. has a beta of -1.44, suggesting that its share price is 244% less volatile than the S&P 500.

Valuation & Earnings

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

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
OP Bancorp	$154.05 million	1.23	$21.07 million	$1.48	8.59
California International Bank, N.A.	$5.09 million	2.63	N/A	N/A	N/A

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

Summary

OP Bancorp beats California International Bank, N.A. on 9 of the 10 factors compared between the two stocks.

About OP Bancorp

OP Bancorp operates as the bank holding company for Open Bank that provides banking products and services in California. It offers demand, checking, savings, money market, and time deposit accounts, as well as certificates of deposit. The company also provides commercial real estate, small business administration, commercial and industrial business, single-family residential, term, consumer, and home mortgage loans; trade financing products; and letters of credit, and SWIFT and export advice. In addition, it offers debit and credit card, online transfer and bill payment, electronic delivery of customer statements, and mobile banking solutions for iPhone and Android phones, including remote check deposit with mobile bill pay; direct deposits, cashier's checks, person to person payments, wire transfers, and automated clearing house (ACH) services; and cash management services, including balance reporting, transfers between accounts, wire transfer initiation, ACH origination, and stop payment services, as well as remote deposit capture, positive pay, zero balance accounts, and sweep accounts. The company operates full branch offices in Downtown Los Angeles, Los Angeles Fashion District, Los Angeles Koreatown, Gardena, Buena Park, and Santa Clara in California; and Carrollton, Texas; and operates loan production offices in Pleasanton, California; Atlanta, Georgia; Aurora, Colorado; and Lynnwood in Washington. The company was founded in 2005 and is headquartered in Los Angeles, California.

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.