Private Bancorp of America (OTCMKTS:PBAM) & Bank of Santa Clarita (OTCMKTS:BSCA) Head-To-Head Contrast

Private Bancorp of America (OTCMKTS:PBAM) and Bank of Santa Clarita (OTCMKTS:BSCA) are both small-cap finance companies, but which is the better business? We will contrast the two companies based on the strength of their analyst recommendations, institutional ownership, earnings, dividends, risk, valuation and profitability.

Analyst Recommendations

This is a summary of recent recommendations and price targets for Private Bancorp of America and Bank of Santa Clarita, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Private Bancorp of America	0	0	3	1	3.25
Bank of Santa Clarita	0	0	0	0	0.00

Private Bancorp of America currently has a consensus price target of $86.33, suggesting a potential upside of 18.15%. Given Private Bancorp of America’s stronger consensus rating and higher probable upside, equities research analysts plainly believe Private Bancorp of America is more favorable than Bank of Santa Clarita.

Insider and Institutional Ownership

13.5% of Private Bancorp of America shares are owned by institutional investors. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Private Bancorp of America	24.01%	16.12%	1.64%
Bank of Santa Clarita	N/A	N/A	N/A

Valuation and Earnings

This table compares Private Bancorp of America and Bank of Santa Clarita”s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Private Bancorp of America	$172.31 million	2.42	$40.67 million	$7.20	10.15
Bank of Santa Clarita	N/A	N/A	N/A	N/A	N/A

Private Bancorp of America has higher revenue and earnings than Bank of Santa Clarita.

Summary

Private Bancorp of America beats Bank of Santa Clarita on 9 of the 9 factors compared between the two stocks.

About Private Bancorp of America

Private Bancorp of America, Inc. operates as the bank holding company for CalPrivate Bank that provides banking products and services to individuals and businesses in California. The company offers checking and savings, money market, certificate of deposit, sweep, zero balance, and individual retirement accounts; unsecured lines of credit, personal credit lines, and term loans; additional services, such as direct deposits, online banking, ATM and debit cards, credit cards, savings/line of credit overdraft protection, and safe deposit boxes; and certificate of deposit account registry services. It also provides treasury management, merchant card, bill pay, positive pay, e-statement, remote deposit capture, ACH origination, wire transfer, electronic payments and collections, electronic check acceptance, account reconciliation, cash vault, and gift and business credit cards, as well as funds management services. In addition, the company offers term credit facilities and loans, equipment and business expansion loans, working capital lines of credit, commercial real estate financing, construction financing, letters of credit, business start-up loans, loans for business acquisition and partner buyouts, owner-occupied commercial real estate loans, equipment, furniture and fixture, and other loans; and CDARS And ICS products. Further, it provides wealth management and legal services. The company has offices in La Jolla, San Diego, Coronado, Newport Beach, Beverly Hills, El Segundo, Temecula, Mission Valley, and Redlands. Private Bancorp of America, Inc. was founded in 2006 and is headquartered in La Jolla, California.

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.