Analyzing Thomasville Bancshares (OTCMKTS:THVB) & Southern California Bancorp (NASDAQ:BCAL)

Thomasville Bancshares (OTCMKTS:THVB) and Southern California Bancorp (NASDAQ:BCAL) are both small-cap finance companies, but which is the better stock? We will contrast the two businesses based on the strength of their earnings, valuation, risk, dividends, institutional ownership, profitability and analyst recommendations.

Profitability

This table compares Thomasville Bancshares and Southern California Bancorp’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Thomasville Bancshares	N/A	N/A	N/A
Southern California Bancorp	2.94%	8.97%	1.09%

Analyst Ratings

This is a breakdown of current recommendations and price targets for Thomasville Bancshares and Southern California Bancorp, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Thomasville Bancshares	0	0	0	0	0.00
Southern California Bancorp	0	0	2	0	3.00

Southern California Bancorp has a consensus target price of $19.50, suggesting a potential upside of 55.25%. Given Southern California Bancorp’s stronger consensus rating and higher probable upside, analysts clearly believe Southern California Bancorp is more favorable than Thomasville Bancshares.

Risk and Volatility

Thomasville Bancshares has a beta of 0.15, suggesting that its stock price is 85% less volatile than the S&P 500. Comparatively, Southern California Bancorp has a beta of 1.19, suggesting that its stock price is 19% 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 company will outperform the market over the long term.

Earnings and Valuation

This table compares Thomasville Bancshares and Southern California Bancorp”s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Thomasville Bancshares	$109.70 million	4.26	$33.55 million	N/A	N/A
Southern California Bancorp	$127.76 million	3.19	$5.43 million	$0.19	66.11

Thomasville Bancshares has higher earnings, but lower revenue than Southern California Bancorp.

Summary

Southern California Bancorp beats Thomasville Bancshares on 10 of the 12 factors compared between the two stocks.

About Thomasville Bancshares

Thomasville Bancshares, Inc. operates as the bank holding company for Thomasville National Bank that provides a range of banking services to individual and corporate customers primarily in Thomas and Glynn counties, Georgia, Leon County, Florida, and the surrounding counties. The company offers checking and savings accounts; money market accounts; and certificates of deposits. It also provides commercial real estate mortgage loans, such as non-farm and non-residential commercial real estate loans, construction loans for commercial businesses, multifamily loans secured by income producing properties, and farmland; and 1-4 family residential loans, including first mortgage liens, junior liens, and home equity lines. In addition, the company offers commercial, financial, and agricultural loans; consumer loans comprising direct consumer instalment loans, overdrafts, and other revolving credit loans and educational loans; and loans to municipalities and development authorities. Further, it provides trust and money management services. The company was incorporated in 1995 and is based in Thomasville, Georgia.

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.