Private Bancorp of America (OTCMKTS:PBAM) versus Mission Valley Bancorp (OTCMKTS:MVLY) Head to Head Contrast
by Mitch Edgeman · The Markets DailyPrivate Bancorp of America (OTCMKTS:PBAM – Get Free Report) and Mission Valley Bancorp (OTCMKTS:MVLY – Get Free Report) are both small-cap finance companies, but which is the superior investment? We will contrast the two businesses based on the strength of their institutional ownership, dividends, profitability, risk, valuation, earnings and analyst recommendations.
Risk and Volatility
Private Bancorp of America has a beta of 0.1, meaning that its stock price is 90% less volatile than the S&P 500. Comparatively, Mission Valley Bancorp has a beta of 0.21, meaning that its stock price is 79% less volatile than the S&P 500.
Insider and Institutional Ownership
13.5% of Private Bancorp of America shares are owned by institutional investors. Comparatively, 5.7% of Mission Valley Bancorp shares are owned by institutional investors. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock will outperform the market over the long term.
Profitability
This table compares Private Bancorp of America and Mission Valley Bancorp’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Private Bancorp of America | 24.04% | 17.10% | 1.66% |
| Mission Valley Bancorp | N/A | N/A | N/A |
Analyst Recommendations
This is a summary of recent ratings for Private Bancorp of America and Mission Valley Bancorp, as reported by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Private Bancorp of America | 0 | 1 | 1 | 1 | 3.00 |
| Mission Valley Bancorp | 0 | 0 | 0 | 0 | 0.00 |
Private Bancorp of America currently has a consensus price target of $74.00, indicating a potential upside of 29.26%. Given Private Bancorp of America’s stronger consensus rating and higher possible upside, analysts clearly believe Private Bancorp of America is more favorable than Mission Valley Bancorp.
Earnings & Valuation
This table compares Private Bancorp of America and Mission Valley Bancorp”s top-line revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Private Bancorp of America | $161.24 million | 2.03 | $35.82 million | $7.04 | 8.13 |
| Mission Valley Bancorp | N/A | N/A | $6.20 million | $1.80 | 9.72 |
Private Bancorp of America has higher revenue and earnings than Mission Valley Bancorp. Private Bancorp of America is trading at a lower price-to-earnings ratio than Mission Valley Bancorp, indicating that it is currently the more affordable of the two stocks.
Summary
Private Bancorp of America beats Mission Valley Bancorp on 11 of the 13 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 Mission Valley Bancorp
Mission Valley Bancorp operates as the bank holding company for Mission Valley Bank and Mission SBA Loan Servicing LLC that provides various banking products and services to individuals and corporate customers. The company's deposit products include non-interest-bearing and interest-bearing demand deposits, savings, and time deposits; and certificates of deposit. It also offers accounts receivable loans, advanced restaurant financing loans, commercial loans, real estate loans, small business administration loans, and term loans; consumer loans; and overdraft facilities; as well as credit and debit cards. In addition, the company provides lending services, such as underwriting, processing, closing, servicing, and referral/replacement services to other financial institutions. Mission Valley Bancorp was founded in 2001 and is headquartered in Sun Valley, California.