Industrial and Commercial Bank of China (OTCMKTS:IDCBY – Get Free Report) and Southern California Bancorp (NASDAQ:BCAL – Get Free Report) are both finance companies, but which is the better investment? We will contrast the two companies based on the strength of their institutional ownership, dividends, earnings, risk, analyst recommendations, valuation and profitability.
Earnings & Valuation
This table compares Industrial and Commercial Bank of China and Southern California Bancorp”s revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Industrial and Commercial Bank of China | $209.49 billion | 1.15 | $53.57 billion | N/A | N/A |
| Southern California Bancorp | $126.90 million | 3.80 | $25.91 million | ($0.08) | -187.50 |
Industrial and Commercial Bank of China has higher revenue and earnings than Southern California Bancorp.
Analyst Ratings
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Industrial and Commercial Bank of China | 0 | 0 | 0 | 0 | 0.00 |
| Southern California Bancorp | 0 | 0 | 1 | 0 | 3.00 |
Southern California Bancorp has a consensus price target of $19.00, indicating a potential upside of 26.67%. Given Southern California Bancorp’s stronger consensus rating and higher probable upside, analysts clearly believe Southern California Bancorp is more favorable than Industrial and Commercial Bank of China.
Volatility and Risk
Industrial and Commercial Bank of China has a beta of 0.08, suggesting that its share price is 92% less volatile than the S&P 500. Comparatively, Southern California Bancorp has a beta of 1.12, suggesting that its share price is 12% more volatile than the S&P 500.
Institutional and Insider Ownership
55.4% of Southern California Bancorp shares are held by institutional investors. 19.6% of Southern California Bancorp shares are held by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock will outperform the market over the long term.
Profitability
This table compares Industrial and Commercial Bank of China and Southern California Bancorp’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Industrial and Commercial Bank of China | N/A | N/A | N/A |
| Southern California Bancorp | -4.51% | 5.71% | 0.69% |
Summary
Southern California Bancorp beats Industrial and Commercial Bank of China on 9 of the 13 factors compared between the two stocks.
About Industrial and Commercial Bank of China
Industrial and Commercial Bank of China Limited, together with its subsidiaries, provides banking products and services in the People's Republic of China and internationally. The company operates through Corporate Banking, Personal Banking, and Treasury Operations segments. The Corporate Banking segment offers financial products and services to corporations, government agencies, and financial institutions. Its products and services include trade financing, deposit, corporate wealth management, custody, and various corporate intermediary services, as well as corporate loans. Its Personal Banking segment provides financial products and services to individual customers. This segment's products and services comprise personal loans and cards, deposits, and personal wealth management and intermediary services. The Treasury Business segment is involved in the money market transactions, investment securities, and proprietary and foreign exchange transactions businesses. It also offers e-banking services, investment banking, financial leasing, and insurance services. Industrial and Commercial Bank of China Limited was incorporated in 1984 and is based in Beijing, the People's Republic of China.
About Southern California Bancorp
Southern California Bancorp operates as the holding company for Bank of Southern California, N.A. that provides various financial products to individuals, professionals, and small-to medium-sized businesses. The company offers checking, personal and business savings, and money market accounts, as well as certificates of deposit. It also provides home equity lines of credit, business loans and lines of credit, commercial real estate and construction loans, small business administration loans, letters of credit, and personal and business credit cards. In addition, the company provides cash vault, sweep accounts, and remote deposit capture services; online and mobile banking services; courier service; lockbox services; and merchant services. It operates branches in San Diego, Orange, Ventura, Los Angeles, and Riverside counties, as well as the Inland Empire. The company was founded in 2001 and is headquartered in San Diego, California.
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