Head to Head Contrast: California International Bank, N.A. (OTCMKTS:CAIB) and First Horizon (NYSE:FHN)

First Horizon (NYSE:FHN) and California International Bank, N.A. (OTCMKTS:CAIB) are both finance companies, but which is the better business? We will contrast the two companies based on the strength of their earnings, dividends, institutional ownership, profitability, valuation, analyst recommendations and risk.

Valuation and Earnings

This table compares First Horizon and California International Bank, N.A.”s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
First Horizon	$5.00 billion	2.14	$982.00 million	$1.88	11.93
California International Bank, N.A.	$5.09 million	2.77	N/A	N/A	N/A

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

Profitability

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

	Net Margins	Return on Equity	Return on Assets
First Horizon	19.67%	11.21%	1.19%
California International Bank, N.A.	N/A	N/A	N/A

Risk and Volatility

First Horizon has a beta of 0.61, meaning that its stock price is 39% less volatile than the S&P 500. Comparatively, California International Bank, N.A. has a beta of -1.34, meaning that its stock price is 234% less volatile than the S&P 500.

Analyst Recommendations

This is a summary of recent ratings and target prices for First Horizon and California International Bank, N.A., as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
First Horizon	0	10	9	1	2.55
California International Bank, N.A.	0	0	0	0	0.00

First Horizon presently has a consensus price target of $26.66, indicating a potential upside of 18.88%. Given First Horizon’s stronger consensus rating and higher probable upside, research analysts plainly believe First Horizon is more favorable than California International Bank, N.A..

Insider and Institutional Ownership

80.3% of First Horizon shares are owned by institutional investors. 0.9% of First Horizon shares are owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock will outperform the market over the long term.

Summary

First Horizon beats California International Bank, N.A. on 11 of the 12 factors compared between the two stocks.

About First Horizon

First Horizon Corporation operates as the bank holding company for First Horizon Bank that provides various financial services. The company operates through Regional Banking and Specialty Banking segments. It offers general banking services for consumers, businesses, financial institutions, and governments. The company also accepts deposits; provides underwriting services for bank-eligible securities and other fixed-income securities by financial subsidiaries; sells loans and derivatives; financial planning; and offers investment and financial advisory services. In addition, it offers mortgage banking; loan syndications; brokerage services; commercial and business banking for business enterprises, consumer banking, and private client and wealth management services; capital markets, professional commercial real estate, mortgage warehouse and asset-based lending, franchise and equipment finance, tax credit finance, energy and healthcare finance, asset management, and corporate and correspondent banking services. Further, the company provides transaction processing services including check clearing services and remittance processing, credit cards, investment, and sale of mutual fund and retail insurances, as well as trust, fiduciary, and agency services. First Horizon Corporation was founded in 1864 and is headquartered in Memphis, Tennessee.

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.