International Bancshares (NASDAQ:IBOC) versus California Business Bank (OTCMKTS:CABB) Financial Survey

California Business Bank (OTCMKTS:CABB) and International Bancshares (NASDAQ:IBOC) are both finance companies, but which is the superior business? We will compare the two businesses based on the strength of their institutional ownership, valuation, earnings, profitability, analyst recommendations, dividends and risk.

Risk & Volatility

California Business Bank has a beta of 0.23, suggesting that its stock price is 77% less volatile than the S&P 500. Comparatively, International Bancshares has a beta of 0.76, suggesting that its stock price is 24% less volatile than the S&P 500.

Analyst Ratings

This is a breakdown of recent recommendations and price targets for California Business Bank and International Bancshares, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
California Business Bank	0	0	0	0	0.00
International Bancshares	0	0	1	0	3.00

Earnings and Valuation

This table compares California Business Bank and International Bancshares”s revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
California Business Bank	N/A	N/A	N/A	N/A	N/A
International Bancshares	$1.04 billion	4.20	$409.17 million	$6.76	10.42

International Bancshares has higher revenue and earnings than California Business Bank.

Profitability

This table compares California Business Bank and International Bancshares’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
California Business Bank	N/A	N/A	N/A
International Bancshares	40.10%	14.20%	2.59%

Insider & Institutional Ownership

65.9% of International Bancshares shares are held by institutional investors. 13.4% of International Bancshares shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.

Summary

International Bancshares beats California Business Bank on 9 of the 9 factors compared between the two stocks.

About California Business Bank

California Business Bank provides various financial products and services for small businesses and entrepreneurs. The company offers various personal and business deposit products; and business and commercial loans comprising SBA, commercial and industrial, and commercial real estate loans. It also provides online and mobile banking, mobile deposit, bill pay, and other services. The company was founded in 2005 and is headquartered in Irvine, 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.