Pacific Valley Bancorp (OTCMKTS:PVBK) vs. BOK Financial (NASDAQ:BOKF) Critical Comparison

Pacific Valley Bancorp (OTCMKTS:PVBK) and BOK Financial (NASDAQ:BOKF) are both finance companies, but which is the superior stock? We will contrast the two businesses based on the strength of their earnings, profitability, valuation, risk, dividends, analyst recommendations and institutional ownership.

Profitability

This table compares Pacific Valley Bancorp and BOK Financial’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Pacific Valley Bancorp	10.85%	N/A	N/A
BOK Financial	17.10%	9.37%	1.09%

Valuation & Earnings

This table compares Pacific Valley Bancorp and BOK Financial”s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Pacific Valley Bancorp	$33.09 million	1.79	$3.59 million	$0.71	15.35
BOK Financial	$3.38 billion	2.50	$577.99 million	$9.16	14.56

BOK Financial has higher revenue and earnings than Pacific Valley Bancorp. BOK Financial is trading at a lower price-to-earnings ratio than Pacific Valley Bancorp, indicating that it is currently the more affordable of the two stocks.

Volatility & Risk

Pacific Valley Bancorp has a beta of 0.19, suggesting that its share price is 81% less volatile than the S&P 500. Comparatively, BOK Financial has a beta of 0.9, suggesting that its share price is 10% less volatile than the S&P 500.

Analyst Recommendations

This is a summary of current recommendations and price targets for Pacific Valley Bancorp and BOK Financial, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Pacific Valley Bancorp	0	0	0	0	0.00
BOK Financial	0	8	3	1	2.42

BOK Financial has a consensus price target of $129.33, indicating a potential downside of 3.06%. Given BOK Financial’s stronger consensus rating and higher probable upside, analysts plainly believe BOK Financial is more favorable than Pacific Valley Bancorp.

Insider & Institutional Ownership

2.8% of Pacific Valley Bancorp shares are owned by institutional investors. Comparatively, 34.4% of BOK Financial shares are owned by institutional investors. 56.9% of BOK Financial 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.

Summary

BOK Financial beats Pacific Valley Bancorp on 14 of the 15 factors compared between the two stocks.

About Pacific Valley Bancorp

Pacific Valley Bancorp operates as the bank holding company for Pacific Valley Bank that provides various banking products and services in the United States. The company offers personal and business banking, including checking accounts, savings and money market accounts, and certificates of deposit; and online solutions, such as online and mobile banking, bill pay, remote deposit capture, positive pay, e-statements, and order checks. It also provides commercial or agriculture lines of credit, commercial or agriculture terms loans, commercial constructions loans, agriculture production lending, and government guaranteed loan programs; and debit card, incoming wire instructions, ATM locator, fraud prevention, identity theft, and FDIC insurance estimator services. The company was founded in 2004 and is headquartered in Salinas, California.

About BOK Financial

BOK Financial Corporation operates as the financial holding company for BOKF, NA that provides various financial products and services in Oklahoma, Texas, New Mexico, Northwest Arkansas, Colorado, Arizona, and Kansas/Missouri. It operates through three segments: Commercial Banking, Consumer Banking, and Wealth Management. The Commercial Banking segment offers lending, treasury, cash management, and customer commodity risk management products for small businesses, middle market, and larger commercial customers, as well as operates TransFund electronic funds transfer network. The Consumer Banking segment engages in the provision of retail lending and deposit services to small business customers through retail branch network; and mortgage loan origination and servicing activities. The Wealth Management segment offers fiduciary, private bank, insurance, and investment advisory services; and brokerage and trading services primarily related to providing liquidity to the mortgage markets through trading of U.S. government agency mortgage-backed securities and related derivative contracts, as well as underwrites state and municipal securities. The company also provides commercial loans, such as loans for working capital, facilities acquisition or expansion, purchases of equipment, and other needs of commercial customers; and service, healthcare, manufacturing, wholesale/retail, energy, and other sector loans. In addition, it offers commercial real estate loans for the construction of buildings or other improvements to real estate and property held by borrowers for investment purposes; residential mortgage and personal loans; and automated teller machine, call center, and Internet and mobile banking services. The company was founded in 1910 and is headquartered in Tulsa, Oklahoma.