Contrasting California International Bank, N.A. (OTCMKTS:CAIB) & Banc of California (NYSE:BANC)

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

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Banc of California	11.49%	8.00%	0.70%
California International Bank, N.A.	N/A	N/A	N/A

Analyst Recommendations

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

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Banc of California	0	2	8	1	2.91
California International Bank, N.A.	0	0	0	0	0.00

Banc of California presently has a consensus price target of $19.95, suggesting a potential downside of 4.35%. Given Banc of California’s stronger consensus rating and higher possible upside, research analysts plainly believe Banc of California is more favorable than California International Bank, N.A..

Valuation and Earnings

This table compares Banc of California and California International Bank, N.A.”s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Banc of California	$1.89 billion	1.67	$126.89 million	$1.04	20.06
California International Bank, N.A.	$5.09 million	2.63	N/A	N/A	N/A

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

Risk & Volatility

Banc of California has a beta of 0.69, suggesting that its stock price is 31% less volatile than the S&P 500. Comparatively, California International Bank, N.A. has a beta of -1.24, suggesting that its stock price is 224% less volatile than the S&P 500.

Insider & Institutional Ownership

86.9% of Banc of California shares are held by institutional investors. 2.7% of Banc of California shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth.

Summary

Banc of California beats California International Bank, N.A. on 11 of the 12 factors compared between the two stocks.

About Banc of California

Banc of California, Inc. operates as the bank holding company for Banc of California that provides various banking products and services in California. The company offers deposit products, such as checking, savings, money market, demand, and time deposits; certificates of deposit; retirement accounts; and safe deposit boxes. It also provides real estate loans to professional developers and real estate investors for the acquisition, construction, refinancing, renovation, and on-going operation of commercial real estate properties; commercial real estate mortgage, residential real estate mortgage, and real estate construction and land loans; commercial loans and leases, such as equipment finance, other asset-based, venture capital, secured business, warehouse, and other lending services; small business administration loans; and consumer loans comprising personal, auto, and other loans, as well as home equity and revolving lines of credit. In addition, the company offers international banking, multi-state deposit, and asset and investment management services, as well as cash and treasury management services; and online, mobile, remote deposit, and telephone banking services. It serves small and middle-market businesses, venture capital firms, non-profit organizations, business owners, entrepreneurs, professionals, and high-net worth individuals. Banc of California, Inc. was founded in 1941 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.