Head to Head Contrast: PCB Bancorp (NASDAQ:PCB) vs. Bank of Santa Clarita (OTCMKTS:BSCA)

Bank of Santa Clarita (OTCMKTS:BSCA) and PCB Bancorp (NASDAQ:PCB) are both finance companies, but which is the better business? We will contrast the two companies based on the strength of their institutional ownership, dividends, valuation, earnings, risk, analyst recommendations and profitability.

Institutional & Insider Ownership

33.0% of PCB Bancorp shares are owned by institutional investors. 25.9% of PCB Bancorp shares are owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.

Analyst Ratings

This is a breakdown of recent recommendations and price targets for Bank of Santa Clarita and PCB Bancorp, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Bank of Santa Clarita	0	0	0	0	0.00
PCB Bancorp	0	2	1	0	2.33

PCB Bancorp has a consensus price target of $24.50, suggesting a potential upside of 12.96%. Given PCB Bancorp’s stronger consensus rating and higher probable upside, analysts plainly believe PCB Bancorp is more favorable than Bank of Santa Clarita.

Profitability

This table compares Bank of Santa Clarita and PCB Bancorp’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Bank of Santa Clarita	N/A	N/A	N/A
PCB Bancorp	17.08%	11.70%	1.11%

Earnings & Valuation

This table compares Bank of Santa Clarita and PCB Bancorp”s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Bank of Santa Clarita	N/A	N/A	N/A	N/A	N/A
PCB Bancorp	$112.70 million	2.74	$25.81 million	$2.39	9.08

PCB Bancorp has higher revenue and earnings than Bank of Santa Clarita.

Summary

PCB Bancorp beats Bank of Santa Clarita on 9 of the 9 factors compared between the two stocks.

About Bank of Santa Clarita

Bank of Santa Clarita engages in the provision of banking and financial services. It offers real estate, small business administration, commercial and consumer loans, consumer and business checking accounts, savings accounts, certificates of deposit, trade finance, and money transfers. The company was founded by Frank D. Di Tomaso on October 26, 2004 and is headquartered in Santa Clarita, CA.

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.