Investors Bancorp (NASDAQ:ISBC) and Pac Comm BANCOR/SH SH (OTCMKTS:PCBC) are both finance companies, but which is the superior investment? We will contrast the two businesses based on the strength of their dividends, risk, analyst recommendations, earnings, profitability, institutional ownership and valuation.
Earnings and Valuation
This table compares Investors Bancorp and Pac Comm BANCOR/SH SH’s gross revenue, earnings per share and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Investors Bancorp||$978.50 million||3.50||$202.58 million||$0.81||14.98|
|Pac Comm BANCOR/SH SH||$27.52 million||4.50||$4.66 million||N/A||N/A|
Investors Bancorp pays an annual dividend of $0.44 per share and has a dividend yield of 3.6%. Pac Comm BANCOR/SH SH does not pay a dividend. Investors Bancorp pays out 54.3% of its earnings in the form of a dividend. Investors Bancorp has raised its dividend for 4 consecutive years.
Insider & Institutional Ownership
59.3% of Investors Bancorp shares are held by institutional investors. 3.5% of Investors Bancorp shares are held by insiders. Comparatively, 76.5% of Pac Comm BANCOR/SH SH shares are held by 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.
This table compares Investors Bancorp and Pac Comm BANCOR/SH SH’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|Pac Comm BANCOR/SH SH||N/A||N/A||N/A|
This is a breakdown of recent recommendations for Investors Bancorp and Pac Comm BANCOR/SH SH, as reported by MarketBeat.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|Pac Comm BANCOR/SH SH||0||0||0||0||N/A|
Investors Bancorp currently has a consensus target price of $14.02, indicating a potential upside of 15.61%. Given Investors Bancorp’s higher possible upside, equities research analysts plainly believe Investors Bancorp is more favorable than Pac Comm BANCOR/SH SH.
Investors Bancorp beats Pac Comm BANCOR/SH SH on 10 of the 13 factors compared between the two stocks.
About Investors Bancorp
Investors Bancorp, Inc. operates as the holding company for Investors Bank that provides various banking products and services to individuals and businesses in the United States. Its deposit products include savings, checking, and money market accounts, as well as certificates of deposit. The company's loan portfolio comprises multi-family, commercial real estate, commercial and industrial, and construction loans; consumer and other loans primarily consisting of home equity loans, home equity lines of credit, and cash surrender value lending on life insurance contracts; and one-to four-family residential mortgage loans secured by one-to four-family residential real estate. As of December 11, 2018, it operated through a network of 151 branches in New Jersey and New York. The company was founded in 1926 and is headquartered in Short Hills, New Jersey.
About Pac Comm BANCOR/SH SH
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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