California International Bank, N.A. (OTCMKTS:CAIB) versus California BanCorp (NASDAQ:BCAL) Critical Review

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

Earnings and Valuation

This table compares California International Bank, N.A. and California BanCorp”s revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
California International Bank, N.A.	$5.09 million	2.66	N/A	N/A	N/A
California BanCorp	$237.07 million	2.57	$63.06 million	$1.93	9.78

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

Volatility & Risk

California International Bank, N.A. has a beta of -1.04, indicating that its stock price is 204% less volatile than the S&P 500. Comparatively, California BanCorp has a beta of 1.19, indicating that its stock price is 19% more volatile than the S&P 500.

Analyst Ratings

This is a breakdown of current recommendations and price targets for California International Bank, N.A. and California BanCorp, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
California International Bank, N.A.	0	0	0	0	0.00
California BanCorp	1	0	3	1	2.80

California BanCorp has a consensus target price of $20.50, suggesting a potential upside of 8.64%. Given California BanCorp’s stronger consensus rating and higher probable upside, analysts plainly believe California BanCorp is more favorable than California International Bank, N.A..

Insider and Institutional Ownership

55.4% of California BanCorp shares are owned by institutional investors. 14.8% of California BanCorp shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.

Profitability

This table compares California International Bank, N.A. and California 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
California BanCorp	26.60%	11.51%	1.57%

Summary

California BanCorp beats California International Bank, N.A. on 11 of the 12 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 California BanCorp

Southern California Bancorp operates as the holding company for Bank of Southern California, N.A. that provides various financial products to individuals, professionals, and small-to medium-sized businesses. The company offers checking, personal and business savings, and money market accounts, as well as certificates of deposit. It also provides home equity lines of credit, business loans and lines of credit, commercial real estate and construction loans, small business administration loans, letters of credit, and personal and business credit cards. In addition, the company provides cash vault, sweep accounts, and remote deposit capture services; online and mobile banking services; courier service; lockbox services; and merchant services. It operates branches in San Diego, Orange, Ventura, Los Angeles, and Riverside counties, as well as the Inland Empire. The company was founded in 2001 and is headquartered in San Diego, California.