OP Bancorp (NASDAQ:OPBK) and Bank of Santa Clarita (OTCMKTS:BSCA) Financial Comparison

Bank of Santa Clarita (OTCMKTS:BSCA) and OP Bancorp (NASDAQ:OPBK) are both finance companies, but which is the superior investment? We will compare the two businesses based on the strength of their analyst recommendations, dividends, profitability, valuation, earnings, risk and institutional ownership.

Insider and Institutional Ownership

53.6% of OP Bancorp shares are held by institutional investors. 20.4% of OP Bancorp shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.

Valuation & Earnings

This table compares Bank of Santa Clarita and OP Bancorp”s revenue, earnings per share (EPS) 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
OP Bancorp	$166.66 million	1.22	$25.64 million	$1.71	7.95

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

Analyst Recommendations

This is a breakdown of current ratings and target prices for Bank of Santa Clarita and OP Bancorp, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Bank of Santa Clarita	0	0	0	0	0.00
OP Bancorp	0	3	1	0	2.25

OP Bancorp has a consensus target price of $16.50, indicating a potential upside of 21.32%. Given OP Bancorp’s stronger consensus rating and higher possible upside, analysts clearly believe OP Bancorp is more favorable than Bank of Santa Clarita.

Profitability

This table compares Bank of Santa Clarita and OP 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
OP Bancorp	15.39%	11.75%	0.99%

Summary

OP 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 OP Bancorp

OP Bancorp operates as the bank holding company for Open Bank that provides banking products and services in California. It offers demand, checking, savings, money market, and time deposit accounts, as well as certificates of deposit. The company also provides commercial real estate, small business administration, commercial and industrial business, single-family residential, term, consumer, and home mortgage loans; trade financing products; and letters of credit, and SWIFT and export advice. In addition, it offers debit and credit card, online transfer and bill payment, electronic delivery of customer statements, and mobile banking solutions for iPhone and Android phones, including remote check deposit with mobile bill pay; direct deposits, cashier's checks, person to person payments, wire transfers, and automated clearing house (ACH) services; and cash management services, including balance reporting, transfers between accounts, wire transfer initiation, ACH origination, and stop payment services, as well as remote deposit capture, positive pay, zero balance accounts, and sweep accounts. The company operates full branch offices in Downtown Los Angeles, Los Angeles Fashion District, Los Angeles Koreatown, Gardena, Buena Park, and Santa Clara in California; and Carrollton, Texas; and operates loan production offices in Pleasanton, California; Atlanta, Georgia; Aurora, Colorado; and Lynnwood in Washington. The company was founded in 2005 and is headquartered in Los Angeles, California.