Financial Survey: BOK Financial (NASDAQ:BOKF) versus Pacific Alliance Bank (OTCMKTS:PFBN)

Pacific Alliance Bank (OTCMKTS:PFBN) and BOK Financial (NASDAQ:BOKF) are both finance companies, but which is the superior stock? We will compare the two businesses based on the strength of their profitability, institutional ownership, earnings, risk, dividends, valuation and analyst recommendations.

Valuation and Earnings

This table compares Pacific Alliance Bank and BOK Financial”s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Pacific Alliance Bank	$23.57 million	1.16	$1.43 million	N/A	N/A
BOK Financial	$3.48 billion	2.17	$523.57 million	$8.39	14.19

BOK Financial has higher revenue and earnings than Pacific Alliance Bank.

Analyst Recommendations

This is a summary of recent recommendations for Pacific Alliance Bank and BOK Financial, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Pacific Alliance Bank	0	0	0	0	0.00
BOK Financial	0	7	3	0	2.30

BOK Financial has a consensus price target of $116.09, indicating a potential downside of 2.49%. Given BOK Financial’s stronger consensus rating and higher probable upside, analysts plainly believe BOK Financial is more favorable than Pacific Alliance Bank.

Profitability

This table compares Pacific Alliance Bank and BOK Financial’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Pacific Alliance Bank	N/A	N/A	N/A
BOK Financial	15.98%	9.24%	1.07%

Insider and Institutional Ownership

34.4% of BOK Financial shares are owned by institutional investors. 60.1% of BOK Financial shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth.

Volatility and Risk

Pacific Alliance Bank has a beta of 0.16, indicating that its stock price is 84% less volatile than the S&P 500. Comparatively, BOK Financial has a beta of 0.88, indicating that its stock price is 12% less volatile than the S&P 500.

Dividends

Pacific Alliance Bank pays an annual dividend of $0.10 per share and has a dividend yield of 1.2%. BOK Financial pays an annual dividend of $2.52 per share and has a dividend yield of 2.1%. BOK Financial pays out 30.0% of its earnings in the form of a dividend. BOK Financial has increased its dividend for 20 consecutive years. BOK Financial is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Summary

BOK Financial beats Pacific Alliance Bank on 14 of the 15 factors compared between the two stocks.

About Pacific Alliance Bank

Pacific Alliance Bank provides commercial and consumer banking products and services for small to midsize business owners, and employees in the United States. It offers checking, money market, savings, and individual retirement accounts; and certificates of deposit. The company also provides mortgage, commercial, term, commercial real estate, construction, and SBA loans; and lines of credit. In addition, it offers personal and business online services; and casher checks, check reorder, night deposit, direct deposit, safe deposit boxes, positive pay/check reconciliation, wire, debit card, and other services. The company was founded in 2006 and is headquartered in San Gabriel, California.

About BOK Financial

BOK Financial Corporation operates as the financial holding company for BOKF, NA that provides various financial products and services in Oklahoma, Texas, New Mexico, Northwest Arkansas, Colorado, Arizona, and Kansas/Missouri. It operates through three segments: Commercial Banking, Consumer Banking, and Wealth Management. The Commercial Banking segment offers lending, treasury, cash management, and customer commodity risk management products for small businesses, middle market, and larger commercial customers, as well as operates TransFund electronic funds transfer network. The Consumer Banking segment engages in the provision of retail lending and deposit services to small business customers through retail branch network; and mortgage loan origination and servicing activities. The Wealth Management segment offers fiduciary, private bank, insurance, and investment advisory services; and brokerage and trading services primarily related to providing liquidity to the mortgage markets through trading of U.S. government agency mortgage-backed securities and related derivative contracts, as well as underwrites state and municipal securities. The company also provides commercial loans, such as loans for working capital, facilities acquisition or expansion, purchases of equipment, and other needs of commercial customers; and service, healthcare, manufacturing, wholesale/retail, energy, and other sector loans. In addition, it offers commercial real estate loans for the construction of buildings or other improvements to real estate and property held by borrowers for investment purposes; residential mortgage and personal loans; and automated teller machine, call center, and Internet and mobile banking services. The company was founded in 1910 and is headquartered in Tulsa, Oklahoma.