金融调查：国际银行股票（纳斯达克股票代码：IBOC）vs中央谷社区银行（纳斯达克股票代码：CVCY）

International Bancshares (NASDAQ:IBOC – Get Rating) and Central Valley Community Bancorp (NASDAQ:CVCY – Get Rating) are both finance companies, but which is the better business? We will contrast the two companies based on the strength of their dividends, valuation, analyst recommendations, institutional ownership, risk, profitability and earnings.

Dividends

International Bancshares pays an annual dividend of $1.20 per share and has a dividend yield of 2.5%. Central Valley Community Bancorp pays an annual dividend of $0.48 per share and has a dividend yield of 1.9%. Central Valley Community Bancorp pays out 21.1% of its earnings in the form of a dividend.

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Volatility and Risk

International Bancshares has a beta of 1.02, indicating that its stock price is 2% more volatile than the S&P 500. Comparatively, Central Valley Community Bancorp has a beta of 0.82, indicating that its stock price is 18% less volatile than the S&P 500.

Valuation & Earnings

This table compares International Bancshares and Central Valley Community Bancorp's revenue, earnings per share (EPS) and valuation.

International Bancshares has higher revenue and earnings than Central Valley Community Bancorp.

Profitability

This table compares International Bancshares and Central Valley Community Bancorp's net margins, return on equity and return on assets.

Institutional & Insider Ownership

65.4% of International Bancshares shares are held by institutional investors. Comparatively, 46.2% of Central Valley Community Bancorp shares are held by institutional investors. 14.6% of International Bancshares shares are held by insiders. Comparatively, 15.1% of Central Valley Community Bancorp shares are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.

Analyst Ratings

This is a summary of current ratings for International Bancshares and Central Valley Community Bancorp, as reported by MarketBeat.com.

Central Valley Community Bancorp has a consensus price target of $20.00, indicating a potential downside of 22.03%. Given Central Valley Community Bancorp's higher possible upside, analysts plainly believe Central Valley Community Bancorp is more favorable than International Bancshares.

Summary

International Bancshares beats Central Valley Community Bancorp on 9 of the 13 factors compared between the two stocks.

About International Bancshares

(Get Rating)

International Bancshares Corp. is a financial holding company, which provides banking services for commercial, consumer, and international customers of South, Central, and Southeast Texas and the State of Oklahoma. It engages in the business of banking, including the acceptance of checking and savings deposits and the making of commercial, real estate, personal, home improvement, automobile and other installment and term loans. It also offers other related services, such as credit cards, travelers' checks, safety deposit, collection, notary public, escrow, drive-up and walk-up facilities and other customary banking services. The company was founded in 1966 and is headquartered in Laredo, TX.

About Central Valley Community Bancorp

(Get Rating)

Central Valley Community Bancorp is a bank holding company, which engages in the provision of business and personal banking, and wealth management services. It operates through the following portfolio: commercial, real estate, and consumer. The commercial portfolio includes commercial and industrial loans, and agricultural production. The real estate portfolio consists of owner-occupied commercial real estate, land and construction loans, agricultural, investor commercial real estate loans, and others. The consumer portfolio covers equity loans and lines of credit, and installment and other consumer loans. The company was founded in 1979 and is headquartered in Fresno, CA.

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