Head to Head Comparison: Prosperity Bancshares (PB) vs. Pac Comm BANCOR/SH SH (PCBC)

Prosperity Bancshares (NYSE:PB) and Pac Comm BANCOR/SH SH (OTCMKTS:PCBC) are both finance companies, but which is the better investment? We will compare the two businesses based on the strength of their earnings, dividends, valuation, profitability, institutional ownership, risk and analyst recommendations.

Profitability

This table compares Prosperity Bancshares and Pac Comm BANCOR/SH SH’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Prosperity Bancshares 36.91% 7.86% 1.36%
Pac Comm BANCOR/SH SH 16.42% N/A N/A

Valuation and Earnings

This table compares Prosperity Bancshares and Pac Comm BANCOR/SH SH’s gross revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Prosperity Bancshares $793.99 million 5.85 $272.16 million $3.94 16.89
Pac Comm BANCOR/SH SH $27.52 million 0.00 $4.66 million N/A N/A

Prosperity Bancshares has higher revenue and earnings than Pac Comm BANCOR/SH SH.

Dividends

Prosperity Bancshares pays an annual dividend of $1.44 per share and has a dividend yield of 2.2%. Pac Comm BANCOR/SH SH does not pay a dividend. Prosperity Bancshares pays out 36.5% of its earnings in the form of a dividend. Prosperity Bancshares has increased its dividend for 14 consecutive years.

Analyst Recommendations

This is a breakdown of current ratings and target prices for Prosperity Bancshares and Pac Comm BANCOR/SH SH, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Prosperity Bancshares 0 7 3 0 2.30
Pac Comm BANCOR/SH SH 0 0 0 0 N/A

Prosperity Bancshares currently has a consensus target price of $73.00, indicating a potential upside of 9.68%.

Institutional & Insider Ownership

81.3% of Prosperity Bancshares shares are owned by institutional investors. 5.1% of Prosperity Bancshares shares are owned by company insiders. Comparatively, 76.5% of Pac Comm BANCOR/SH SH shares are owned by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock will outperform the market over the long term.

Risk & Volatility

Prosperity Bancshares has a beta of 1.33, indicating that its share price is 33% more volatile than the S&P 500. Comparatively, Pac Comm BANCOR/SH SH has a beta of -0.15, indicating that its share price is 115% less volatile than the S&P 500.

Summary

Prosperity Bancshares beats Pac Comm BANCOR/SH SH on 10 of the 13 factors compared between the two stocks.

Prosperity Bancshares Company Profile

Prosperity Bancshares, Inc. operates as bank holding company for the Prosperity Bank that provides retail and commercial banking services to small and medium-sized businesses, and consumers. It accepts various deposit products, such as demand, savings, money market, and time accounts. The company also offers 1-4 family residential mortgage, commercial mortgage and multifamily residential, commercial and industrial, agricultural real estate, and non-real estate agricultural loans, as well as construction, land development, and other land loans; consumer loans, including automobile, recreational vehicle, boat, home improvement, personal, and deposit account collateralized loans; and consumer durables and home equity loans. In addition, it provides Internet banking and other cash management, mobile banking, trust and wealth management, retail brokerage, mortgage banking, and automated telephone banking services, as well as debit and credit cards. As of December 31, 2017, the company operated 242 full service banking locations comprising 65 in the Houston area, including The Woodlands; 29 in the South Texas area consisting of Corpus Christi and Victoria; 33 in the Dallas/Fort Worth area; 22 in the East Texas area; 29 in the Central Texas area comprising Austin and San Antonio; 34 in the West Texas area, including Lubbock, Midland-Odessa and Abilene; 16 in the Bryan/College Station area; 6 in the Central Oklahoma area; and 8 in the Tulsa, Oklahoma area. Prosperity Bancshares, Inc. was founded in 1983 and is based in Houston, Texas.

Pac Comm BANCOR/SH SH Company Profile

Pacific Commerce Bancorp operates as the bank holding company for Pacific Commerce Bank that provides various financial and banking services to the personal and business customers in California. The company offers checking, savings, term certificate, lawyer's trust, and money market accounts; and certificates of deposit. Its loan products include residential mortgage loans; commercial and consumer loans; small business administration loans; loans and lines of credit for working capital; receivable and inventory financing; term loans for business expansion and equipment purchases; and remodeling and leasehold improvement loans, as well as commercial real estate loans, including apartment, office building, industrial/warehouse, and multipurpose building loans. The company also provides remote deposit capture services; and telephone and online banking services. It offers its services through six branches located in the Los Angeles and San Diego regions of Southern California. The company was founded in 2002 and is based in Los Angeles, California.

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