Metropolitan Bank (NYSE:MCB) versus Bank of Santa Clarita (OTCMKTS:BSCA) Critical Analysis

Metropolitan Bank (NYSE:MCB) and Bank of Santa Clarita (OTCMKTS:BSCA) are both finance companies, but which is the superior investment? We will compare the two businesses based on the strength of their profitability, earnings, institutional ownership, valuation, risk, analyst recommendations and dividends.

Insider & Institutional Ownership

79.8% of Metropolitan Bank shares are owned by institutional investors. 6.5% of Metropolitan Bank shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock is poised for long-term growth.

Valuation & Earnings

This table compares Metropolitan Bank and Bank of Santa Clarita’s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Metropolitan Bank	$403.31 million	1.20	$76.90 million	$6.08	7.14
Bank of Santa Clarita	N/A	N/A	N/A	N/A	N/A

Metropolitan Bank has higher revenue and earnings than Bank of Santa Clarita.

Profitability

This table compares Metropolitan Bank and Bank of Santa Clarita’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Metropolitan Bank	15.82%	10.57%	0.99%
Bank of Santa Clarita	N/A	N/A	N/A

Analyst Ratings

This is a summary of current recommendations and price targets for Metropolitan Bank and Bank of Santa Clarita, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Metropolitan Bank	0	0	4	0	3.00
Bank of Santa Clarita	0	0	0	0	N/A

Metropolitan Bank currently has a consensus target price of $56.50, suggesting a potential upside of 30.03%. Given Metropolitan Bank’s higher probable upside, research analysts plainly believe Metropolitan Bank is more favorable than Bank of Santa Clarita.

Summary

Metropolitan Bank beats Bank of Santa Clarita on 8 of the 8 factors compared between the two stocks.

About Metropolitan Bank

Metropolitan Bank Holding Corp. operates as the bank holding company for Metropolitan Commercial Bank that provides a range of business, commercial, and retail banking products and services to small businesses, middle-market enterprises, public entities, and individuals in the New York metropolitan area. The company offers checking, savings, term deposit, money market, demand deposit, and other interest-bearing transaction accounts. It also provides lending products, including commercial real estate, multi-family, construction, and one-to four-family real estate loans; commercial and industrial loans; consumer loans; acquisition and renovation loans; loans to refinance or return borrower equity; loans on owner-occupied properties; working capital lines of credit; trade finance and letters of credit; and term loans. In addition, the company offers cash management services, as well as online and mobile banking, ACH, remote deposit capture, and debit cards. The company was formerly known as Metbank Holding Corp. and changed its name to Metropolitan Bank Holding Corp. in January 2007. Metropolitan Bank Holding Corp. was incorporated in 1997 and is headquartered in New York, New York.

About Bank of Santa Clarita

Bank of Santa Clarita engages in the provision of banking and financial services. It offers real estate, small business administration, commercial and consumer loans, consumer and business checking accounts, savings accounts, certificates of deposit, trade finance, and money transfers. The company was founded by Frank D. Di Tomaso on October 26, 2004 and is headquartered in Santa Clarita, CA.