California International Bank, N.A. (OTCMKTS:CAIB – Get Free Report) and International Bancshares (NASDAQ:IBOC – Get Free Report) are both finance companies, but which is the better stock? We will compare the two companies based on the strength of their risk, analyst recommendations, dividends, institutional ownership, earnings, valuation and profitability.
Analyst Ratings
This is a breakdown of recent ratings for California International Bank, N.A. and International Bancshares, as provided by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| California International Bank, N.A. | 0 | 0 | 0 | 0 | 0.00 |
| International Bancshares | 0 | 0 | 1 | 0 | 3.00 |
Earnings and Valuation
This table compares California International Bank, N.A. and International Bancshares”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 |
| International Bancshares | $1.04 billion | 4.00 | $409.17 million | $6.62 | 10.15 |
International Bancshares has higher revenue and earnings than California International Bank, N.A..
Institutional & Insider Ownership
65.9% of International Bancshares shares are owned by institutional investors. 13.4% of International Bancshares shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.
Profitability
This table compares California International Bank, N.A. and International Bancshares’ 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 |
| International Bancshares | 39.51% | 14.37% | 2.56% |
Volatility and Risk
California International Bank, N.A. has a beta of -1.35, meaning that its stock price is 235% less volatile than the S&P 500. Comparatively, International Bancshares has a beta of 0.8, meaning that its stock price is 20% less volatile than the S&P 500.
Summary
International Bancshares beats California International Bank, N.A. on 9 of the 9 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 International Bancshares
International Bancshares Corporation, a financial holding company, provides commercial and retail banking services in Texas and the State of Oklahoma. It accepts checking and saving deposits; and offers commercial, real estate, personal, home improvement, automobile, and other installment and term loans. The company also provides international banking services, including letters of credit, commercial and industrial loans, and foreign exchange services. In addition, it offers other banking related services, such as credit cards, safety deposit boxes, collection, notary public, escrow, drive up and walk up facilities, and other customary banking services; and Internet banking services, as well as securities products through third party providers. The company was founded in 1966 and is headquartered in Laredo, Texas.
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