Thomasville Bancshares (OTCMKTS:THVB – Get Rating) and Banc of California (NYSE:BANC – Get Rating) are both small-cap finance companies, but which is the superior stock? We will compare the two companies based on the strength of their profitability, risk, valuation, earnings, institutional ownership, analyst recommendations and dividends.
Insider & Institutional Ownership
97.0% of Banc of California shares are held by institutional investors. 12.3% of Banc of California shares are held by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.
Earnings & Valuation
This table compares Thomasville Bancshares and Banc of California’s top-line revenue, earnings per share and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Banc of California||$310.59 million||3.27||$62.35 million||$1.59||10.63|
This table compares Thomasville Bancshares and Banc of California’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|Banc of California||28.13%||12.31%||1.25%|
Risk & Volatility
Thomasville Bancshares has a beta of 0.12, meaning that its stock price is 88% less volatile than the S&P 500. Comparatively, Banc of California has a beta of 1.25, meaning that its stock price is 25% more volatile than the S&P 500.
This is a breakdown of recent ratings and price targets for Thomasville Bancshares and Banc of California, as provided by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|Banc of California||0||2||1||0||2.33|
Banc of California has a consensus price target of $22.00, indicating a potential upside of 30.18%. Given Banc of California’s higher possible upside, analysts clearly believe Banc of California is more favorable than Thomasville Bancshares.
Thomasville Bancshares pays an annual dividend of $1.70 per share and has a dividend yield of 2.5%. Banc of California pays an annual dividend of $0.24 per share and has a dividend yield of 1.4%. Banc of California pays out 15.1% of its earnings in the form of a dividend.
Banc of California beats Thomasville Bancshares on 9 of the 11 factors compared between the two stocks.
About Thomasville Bancshares
Thomasville Bancshares, Inc. operates as a bank holding company for Thomasville National Bank that offers various banking products and services. It offers checking and savings account; and loan products comprising mortgages, and consumer and commercial loans. The company also provides wealth management and mobile banking services. In addition, it offers financial planning, investments, trust, brokerage, and other related financial services. The company was founded in 1995 and is based in Thomasville, Georgia.
About Banc of California
Banc of California, Inc. operates as the bank holding company for Banc of California, National Association that provides banking products and services in the United States. The company offers deposit products, including checking, savings, money market, retirement, and interest-bearing and noninterest-bearing demand accounts, as well as certificate of deposits. It also provides various commercial and consumer loan products, such as commercial and industrial loans; commercial real estate and multifamily loans; construction loans; single family residential mortgage loans; warehouse and indirect/direct leveraged lending; home equity lines of credit; small business administration loans; and other consumer loans. In addition, the company offers automated bill payment, cash and treasury management, foreign exchange, card payment, remote and mobile deposit capture, automated clearing house origination, wire transfer, direct deposit, and internet banking services; and master demand accounts, interest rate swaps, and safe deposit boxes. Further, it invests in collateralized loan obligations, agency securities, municipal bonds, agency residential mortgage-backed securities, and corporate debt securities. As of December 31, 2020, the company operated 29 full-service branches in Southern California. The company was formerly known as First PacTrust Bancorp, Inc. and changed its name to Banc of California, Inc. in July 2013. Banc of California, Inc. was founded in 1941 and is headquartered in Santa Ana, California.
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