Bank of Marin Bancorp (NASDAQ:BMRC – Get Free Report) and California BanCorp (NASDAQ:CALB – Get Free Report) are both small-cap finance companies, but which is the better business? We will contrast the two companies based on the strength of their valuation, earnings, analyst recommendations, institutional ownership, dividends, profitability and risk.
Profitability
This table compares Bank of Marin Bancorp and California BanCorp’s net margins, return on equity and return on assets.
Net Margins | Return on Equity | Return on Assets | |
Bank of Marin Bancorp | 9.28% | 4.09% | 0.45% |
California BanCorp | 17.16% | 10.90% | 1.06% |
Earnings & Valuation
This table compares Bank of Marin Bancorp and California BanCorp’s revenue, earnings per share and valuation.
Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
Bank of Marin Bancorp | $144.48 million | 2.52 | $19.90 million | $0.83 | 26.93 |
California BanCorp | $114.08 million | 1.81 | $21.63 million | $2.37 | 10.27 |
Analyst Recommendations
This is a breakdown of recent ratings and target prices for Bank of Marin Bancorp and California BanCorp, as provided by MarketBeat.
Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
Bank of Marin Bancorp | 0 | 2 | 1 | 0 | 2.33 |
California BanCorp | 0 | 0 | 4 | 0 | 3.00 |
Bank of Marin Bancorp currently has a consensus target price of $17.33, suggesting a potential downside of 22.45%. California BanCorp has a consensus target price of $26.25, suggesting a potential upside of 7.80%. Given California BanCorp’s stronger consensus rating and higher possible upside, analysts plainly believe California BanCorp is more favorable than Bank of Marin Bancorp.
Insider and Institutional Ownership
52.3% of Bank of Marin Bancorp shares are owned by institutional investors. Comparatively, 59.5% of California BanCorp shares are owned by institutional investors. 5.7% of Bank of Marin Bancorp shares are owned by insiders. Comparatively, 10.8% of California BanCorp shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.
Volatility and Risk
Bank of Marin Bancorp has a beta of 0.93, suggesting that its share price is 7% less volatile than the S&P 500. Comparatively, California BanCorp has a beta of 0.95, suggesting that its share price is 5% less volatile than the S&P 500.
Summary
California BanCorp beats Bank of Marin Bancorp on 11 of the 14 factors compared between the two stocks.
About Bank of Marin Bancorp
Bank of Marin Bancorp operates as the holding company for Bank of Marin that provides a range of financial services primarily to small to medium-sized businesses, not-for-profit organizations, and commercial real estate investors in the United States. The company offers personal and business checking and savings accounts; and individual retirement, health savings, and demand deposit marketplace accounts, as well as time certificates of deposit, certificate of deposit account registry, and insured cash sweep services. It also provides commercial real estate, commercial and industrial, and consumer loans, as well as construction financing and home equity lines of credit. In addition, the company offers merchant and payroll services; commercial equipment leasing program; payment solutions; treasury management services; credit cards; and mobile deposit, remote deposit capture, automated clearing house, wire transfer, and image lockbox services. Further, it provides wealth management and trust services comprising customized investment portfolio management, financial planning, trust administration, estate settlement, and custody services, as well as 401(k) plan services; and automated teller machines, and telephone and digital banking services. The company was incorporated in 1989 and is headquartered in Novato, California.
About California BanCorp
California BanCorp operates as the bank holding company for California Bank of Commerce that provides commercial banking services to businesses and professionals in California. It accepts various deposit products, including commercial checking, savings, and money market accounts, as well as certificates of deposit. The company also offers asset-based lending loans; commercial letters of credit; construction and development loans; real estate loans, such as commercial real estate loans and other loans; small business administration (SBA) loans, including SBA 7(a) and SBA 504 loans; consumer loans, such as secured and unsecured installment loans, and revolving lines of credit; and commercial and industrial loans, including term loans, working capital, accounts receivable and inventory financing, and other business loans to the dental and veterinary industries, contractors, and emerging companies. In addition, it provides foreign exchange, treasury and cash management, and online and mobile banking services. California BanCorp was founded in 2007 and is headquartered in Oakland, California.
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