FCB Financial (NYSE:FCB) and Bancorp (NASDAQ:TBBK) are both finance companies, but which is the better stock? We will compare the two companies based on the strength of their earnings, risk, institutional ownership, profitability, dividends, analyst recommendations and valuation.

Profitability

This table compares FCB Financial and Bancorp’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
FCB Financial 29.07% 12.54% 1.39%
Bancorp 6.61% 9.81% 0.75%

Valuation & Earnings

This table compares FCB Financial and Bancorp’s top-line revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
FCB Financial $409.12 million 5.05 $125.19 million $3.28 13.47
Bancorp $213.56 million 2.39 $21.67 million $0.51 17.75

FCB Financial has higher revenue and earnings than Bancorp. FCB Financial is trading at a lower price-to-earnings ratio than Bancorp, indicating that it is currently the more affordable of the two stocks.

Institutional and Insider Ownership

92.5% of FCB Financial shares are held by institutional investors. Comparatively, 79.9% of Bancorp shares are held by institutional investors. 9.6% of FCB Financial shares are held by company insiders. Comparatively, 11.1% of Bancorp shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.

Risk & Volatility

FCB Financial has a beta of 1.18, meaning that its share price is 18% more volatile than the S&P 500. Comparatively, Bancorp has a beta of 1.19, meaning that its share price is 19% more volatile than the S&P 500.

Analyst Recommendations

This is a breakdown of current ratings and recommmendations for FCB Financial and Bancorp, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
FCB Financial 0 4 2 0 2.33
Bancorp 0 2 0 1 2.67

FCB Financial currently has a consensus price target of $56.20, suggesting a potential upside of 27.21%. Bancorp has a consensus price target of $11.00, suggesting a potential upside of 21.55%. Given FCB Financial’s higher probable upside, research analysts plainly believe FCB Financial is more favorable than Bancorp.

Summary

FCB Financial beats Bancorp on 10 of the 15 factors compared between the two stocks.

FCB Financial Company Profile

FCB Financial Holdings, Inc. operates as the bank holding company for Florida Community Bank, N.A. that provides various financial products and services to individuals, small and medium-sized businesses, large businesses, and other local organizations and entities in south and central Florida. The company offers various deposit products, including demand deposit accounts, interest-bearing products, savings accounts, and certificates of deposit; checking products; and money market accounts and IRAs. It also offers consumer loans, such as personal and auto loans, recreational loans, and home improvement/second mortgage loans. In addition, the company provides commercial credit products, such as lines of credit to finance working capital and trade activities; loans for owner occupied real estate financing; equipment financing; acquisition financing; construction financing, mini-permanent and permanent financing, acquisition and development lending, land financing, and bridge lending services to commercial real estate clients; and specialty financing services to owners and operators in the areas of aviation and marine lending, as well as participates in club lending structures. Further, it offers syndicated loans; credit cards and purchasing cards; and derivative products, such as interest rate swaps; treasury products; securities brokerage services, investment advice, and investment recommendations; and online and mobile banking, safe deposit boxes, and payment services. As of December 31, 2017, FCB Financial Holdings, Inc. operated through a network of 46 banking centers in Florida. The company was formerly known as Bond Street Holdings, Inc. and changed its name to FCB Financial Holdings, Inc. in June 2014. FCB Financial Holdings, Inc. was founded in 1923 and is headquartered in Weston, Florida.

Bancorp Company Profile

The Bancorp, Inc. operates as the financial holding company for The Bancorp Bank that provides banking products and services in the United States. The company offers a range of deposit products and services, including checking accounts, savings accounts, money market accounts, commercial accounts, and prepaid and debit cards. It also provides securities backed lines of credit, vehicle fleet and other equipment leasing, small business administration loans, and loans generated for sale into capital markets primarily through commercial mortgage backed securities. In addition, it offers private label banking; credit and debit card payment processing for independent service organizations; institutional banking; and Internet banking services. The Bancorp, Inc. was founded in 1999 and is based in Wilmington, Delaware.

Receive News & Ratings for FCB Financial Daily - Enter your email address below to receive a concise daily summary of the latest news and analysts' ratings for FCB Financial and related companies with MarketBeat.com's FREE daily email newsletter.