Reviewing Private Bancorp of America (OTCMKTS:PBAM) & California International Bank, N.A. (OTCMKTS:CAIB)

California International Bank, N.A. (OTCMKTS:CAIB) and Private Bancorp of America (OTCMKTS:PBAM) are both finance companies, but which is the better investment? We will compare the two companies based on the strength of their analyst recommendations, valuation, profitability, dividends, earnings, institutional ownership and risk.

Volatility & Risk

California International Bank, N.A. has a beta of -1.39, suggesting that its stock price is 239% less volatile than the S&P 500. Comparatively, Private Bancorp of America has a beta of 0.1, suggesting that its stock price is 90% less volatile than the S&P 500.

Institutional and Insider Ownership

13.5% of Private Bancorp of America shares are owned by institutional investors. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.

Earnings & Valuation

This table compares California International Bank, N.A. and Private Bancorp of America”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
California International Bank, N.A.	$5.09 million	N/A	N/A	N/A	N/A
Private Bancorp of America	$161.24 million	2.04	$35.82 million	$7.04	8.16

Private Bancorp of America has higher revenue and earnings than California International Bank, N.A..

Profitability

This table compares California International Bank, N.A. and Private Bancorp of America’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
California International Bank, N.A.	N/A	N/A	N/A
Private Bancorp of America	24.04%	17.10%	1.66%

Analyst Recommendations

This is a breakdown of current ratings for California International Bank, N.A. and Private Bancorp of America, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
California International Bank, N.A.	0	0	0	0	0.00
Private Bancorp of America	0	1	1	1	3.00

Private Bancorp of America has a consensus target price of $74.00, indicating a potential upside of 28.81%. Given Private Bancorp of America’s stronger consensus rating and higher probable upside, analysts plainly believe Private Bancorp of America is more favorable than California International Bank, N.A..

Summary

Private Bancorp of America beats California International Bank, N.A. on 10 of the 10 factors compared between the two stocks.

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.

About Private Bancorp of America

Private Bancorp of America, Inc. operates as the bank holding company for CalPrivate Bank that provides banking products and services to individuals and businesses in California. The company offers checking and savings, money market, certificate of deposit, sweep, zero balance, and individual retirement accounts; unsecured lines of credit, personal credit lines, and term loans; additional services, such as direct deposits, online banking, ATM and debit cards, credit cards, savings/line of credit overdraft protection, and safe deposit boxes; and certificate of deposit account registry services. It also provides treasury management, merchant card, bill pay, positive pay, e-statement, remote deposit capture, ACH origination, wire transfer, electronic payments and collections, electronic check acceptance, account reconciliation, cash vault, and gift and business credit cards, as well as funds management services. In addition, the company offers term credit facilities and loans, equipment and business expansion loans, working capital lines of credit, commercial real estate financing, construction financing, letters of credit, business start-up loans, loans for business acquisition and partner buyouts, owner-occupied commercial real estate loans, equipment, furniture and fixture, and other loans; and CDARS And ICS products. Further, it provides wealth management and legal services. The company has offices in La Jolla, San Diego, Coronado, Newport Beach, Beverly Hills, El Segundo, Temecula, Mission Valley, and Redlands. Private Bancorp of America, Inc. was founded in 2006 and is headquartered in La Jolla, California.