First Resource Bancorp (OTCMKTS:FRSB) & Banc of California (NYSE:BANC) Head to Head Contrast

Banc of California (NYSE:BANC) and First Resource Bancorp (OTCMKTS:FRSB) are both financial services companies, but which is the superior business? We will compare the two businesses based on the strength of their risk, institutional ownership, earnings, dividends, valuation, profitability and analyst recommendations.

Earnings & Valuation

This table compares Banc of California and First Resource Bancorp’s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Banc of California	$1.97 billion	1.11	-$1.90 billion	($3.33)	-4.18
First Resource Bancorp	$30.38 million	1.39	$5.93 million	$1.94	7.02

First Resource Bancorp has lower revenue, but higher earnings than Banc of California. Banc of California is trading at a lower price-to-earnings ratio than First Resource Bancorp, indicating that it is currently the more affordable of the two stocks.

Insider and Institutional Ownership

86.9% of Banc of California shares are held by institutional investors. 2.8% of Banc of California shares are held by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock will outperform the market over the long term.

Analyst Ratings

This is a breakdown of recent recommendations for Banc of California and First Resource Bancorp, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Banc of California	0	5	1	0	2.17
First Resource Bancorp	0	0	0	0	N/A

Banc of California currently has a consensus target price of $16.64, suggesting a potential upside of 19.65%. Given Banc of California’s higher possible upside, equities analysts plainly believe Banc of California is more favorable than First Resource Bancorp.

Profitability

This table compares Banc of California and First Resource Bancorp’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Banc of California	-29.10%	2.25%	0.19%
First Resource Bancorp	18.40%	N/A	N/A

Risk & Volatility

Banc of California has a beta of 1.15, meaning that its stock price is 15% more volatile than the S&P 500. Comparatively, First Resource Bancorp has a beta of 0.41, meaning that its stock price is 59% less volatile than the S&P 500.

Summary

Banc of California beats First Resource Bancorp on 8 of the 13 factors compared between the two stocks.

About Banc of California

Banc of California, Inc. operates as the bank holding company for Banc of California that provides various banking products and services in California. The company offers deposit products, such as checking, savings, money market, demand, and time deposits; certificates of deposit; retirement accounts; and safe deposit boxes. It also provides real estate loans to professional developers and real estate investors for the acquisition, construction, refinancing, renovation, and on-going operation of commercial real estate properties; commercial real estate mortgage, residential real estate mortgage, and real estate construction and land loans; commercial loans and leases, such as equipment finance, other asset-based, venture capital, secured business, warehouse, and other lending services; small business administration loans; and consumer loans comprising personal, auto, and other loans, as well as home equity and revolving lines of credit. In addition, the company offers international banking, multi-state deposit, and asset and investment management services, as well as cash and treasury management services; and online, mobile, remote deposit, and telephone banking services. It serves small and middle-market businesses, venture capital firms, non-profit organizations, business owners, entrepreneurs, professionals, and high-net worth individuals. Banc of California, Inc. was founded in 1941 and is headquartered in Los Angeles, California.

About First Resource Bancorp

First Resource Bancorp, Inc. operates as the bank holding for First Resource Bank that provides personal and business banking products and services to businesses and families primarily in the southeastern area of Pennsylvania. The company's offers savings, checking, and money market accounts, as well as certificate deposit account registry services, insured cash sweeps, certificates of deposit, and IRAs. Its loan products include commercial mortgages, construction loans, working capital credit lines, small business administration loans, commercial term loans, home equity lines of credit, fixed payment home equity loans, residential construction loans, land loans, overdraft protection, vehicle loans, unsecured installment loans, certificate of deposit secured installment loans, and swing loans. The company also provides personal financial statements; credit and debit cards; digital banking services; and cash management, positive pay, ACH origination, sweep/transfer of funds, ATM, over the counter checks, bill payment, wire transfer, signature guarantee/notary, safe deposit box, drive-up banking, night depository, foreign currency exchange, cashier's check, e-statements, and stop payments, as well as telephone, messaging and text, online, and mobile banking services. First Resource Bancorp, Inc. was founded in 2005 and is based in Exton, Pennsylvania.