Critical Contrast: California International Bank, N.A. (OTCMKTS:CAIB) and Bancorp (NASDAQ:TBBK)

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

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Bancorp	30.97%	27.33%	2.66%
California International Bank, N.A.	N/A	N/A	N/A

Analyst Recommendations

This is a summary of recent ratings and price targets for Bancorp and California International Bank, N.A., as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Bancorp	0	0	3	0	3.00
California International Bank, N.A.	0	0	0	0	0.00

Bancorp presently has a consensus target price of $67.67, suggesting a potential upside of 24.34%. Given Bancorp’s stronger consensus rating and higher probable upside, research analysts plainly believe Bancorp is more favorable than California International Bank, N.A..

Valuation and Earnings

This table compares Bancorp and California International Bank, N.A.”s revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Bancorp	$523.72 million	4.99	$217.54 million	$4.30	12.66
California International Bank, N.A.	$4.85 million	2.64	N/A	N/A	N/A

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

Insider & Institutional Ownership

96.2% of Bancorp shares are owned by institutional investors. 5.2% of Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock will outperform the market over the long term.

Risk & Volatility

Bancorp has a beta of 1.59, meaning that its share price is 59% more volatile than the S&P 500. Comparatively, California International Bank, N.A. has a beta of -0.76, meaning that its share price is 176% less volatile than the S&P 500.

Summary

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

About Bancorp

The Bancorp, Inc. operates as the bank holding company for The Bancorp Bank, National Association that provides banking products and services in the United States. It offers a range of deposit products and services, including checking, savings, time, money market, and commercial accounts; overdrafts; and certificates of deposit. The company also provides securities-backed lines of credit and insurance policy cash value-backed lines of credit; investor advisor financing; lease financing for commercial and government vehicle fleets, including trucks and other special purpose vehicles; commercial real estate bridge loans; and small business administration loans. In addition, it offers bill and other payment services; debit and prepaid card issuing services; card and bill payment, and automated clearing house processing services; and internet banking services. The company was incorporated in 1999 and is headquartered in Wilmington, Delaware.

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.