Comparing BancFirst (NASDAQ:BANF) & California International Bank, N.A. (OTCMKTS:CAIB)

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

Analyst Ratings

This is a summary of current ratings and price targets for BancFirst and California International Bank, N.A., as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
BancFirst	0	3	0	0	2.00
California International Bank, N.A.	0	0	0	0	0.00

BancFirst presently has a consensus target price of $134.00, suggesting a potential upside of 2.45%. Given BancFirst’s stronger consensus rating and higher possible upside, equities analysts plainly believe BancFirst is more favorable than California International Bank, N.A..

Institutional & Insider Ownership

51.7% of BancFirst shares are held by institutional investors. 32.4% of BancFirst shares are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.

Volatility and Risk

BancFirst has a beta of 0.79, suggesting that its share price is 21% less volatile than the S&P 500. Comparatively, California International Bank, N.A. has a beta of -1.42, suggesting that its share price is 242% less volatile than the S&P 500.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
BancFirst	24.94%	14.16%	1.70%
California International Bank, N.A.	N/A	N/A	N/A

Valuation and Earnings

This table compares BancFirst 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
BancFirst	$908.71 million	4.79	$216.35 million	$6.95	18.82
California International Bank, N.A.	$5.09 million	N/A	N/A	N/A	N/A

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

Summary

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

About BancFirst

BancFirst Corporation operates as the bank holding company for BancFirst that provides a range of commercial banking services to retail customers, and small to medium-sized businesses. The company operates through BancFirst Metropolitan Banks, BancFirst Community Banks, Pegasus, Worthington, and Other Financial Services segments. It offers checking accounts, negotiable order of withdrawal accounts, savings accounts, money market accounts, sweep accounts, club accounts, individual retirement accounts, and certificates of deposit, as well as overdraft protection and auto draft services. The company also provides commercial and agricultural non-real estate loans for working capital, facilities acquisition or expansion, purchase of equipment, and other needs; lending services that include private banking, energy, commercial and residential real estate, and commercial and industrial loans; and loans to finance purchases of consumer goods, such as automobiles, boats, household goods, vacations, and education. In addition, it engages in the investment management and administration of trusts for individuals, corporations, and employee benefit plans, as well as bond trustee and paying agent business for various Oklahoma municipalities and governmental entities; and provision of item processing, research, and other correspondent banking services to financial institutions and governmental units. Further, the company provides insurance agency services; depository and funds transfer, collection, safe deposit box, cash management, and other services. It serves customers in non-metropolitan trade centers and cities in the metropolitan statistical areas of Oklahoma. The company was formerly known as United Community Corporation and changed its name to BancFirst Corporation in November 1988. BancFirst Corporation was incorporated in 1984 and is headquartered in Oklahoma City, Oklahoma.

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.