RBB Bancorp (NASDAQ: RBB) and Customers Bancorp (NYSE:CUBI) are both small-cap finance companies, but which is the better business? We will compare the two companies based on the strength of their dividends, analyst recommendations, profitability, earnings, risk, institutional ownership and valuation.
Earnings and Valuation
This table compares RBB Bancorp and Customers Bancorp’s revenue, earnings per share and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|RBB Bancorp||$87.31 million||4.77||$25.53 million||N/A||N/A|
|Customers Bancorp||$451.76 million||2.21||$78.83 million||$2.34||13.55|
This is a summary of recent ratings and target prices for RBB Bancorp and Customers Bancorp, as reported by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
RBB Bancorp currently has a consensus price target of $27.50, suggesting a potential upside of 5.12%. Customers Bancorp has a consensus price target of $38.60, suggesting a potential upside of 21.77%. Given Customers Bancorp’s higher possible upside, analysts clearly believe Customers Bancorp is more favorable than RBB Bancorp.
Insider and Institutional Ownership
25.2% of RBB Bancorp shares are held by institutional investors. Comparatively, 79.6% of Customers Bancorp shares are held by institutional investors. 8.7% of Customers Bancorp shares are held by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company will outperform the market over the long term.
RBB Bancorp pays an annual dividend of $0.16 per share and has a dividend yield of 0.6%. Customers Bancorp does not pay a dividend.
This table compares RBB Bancorp and Customers Bancorp’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
Customers Bancorp beats RBB Bancorp on 8 of the 12 factors compared between the two stocks.
About RBB Bancorp
RBB Bancorp (the Bank) is a bank holding company with the principal business to serve as the holding company for its wholly-owned banking subsidiaries, including Royal Business Bank (Bank) and RBB Asset Management Company (RAM). The Company operates Royal Business Bank, which is a California state-chartered commercial bank. The Bank is focused on providing commercial banking services. The Bank’s offerings include traditional commercial real estate loans, secured commercial and industrial loans, and trade finance services for companies doing business in China, Taiwan and other Asian countries. The non-qualified single-family residential mortgage loans, small business administration loans. As of March 31, 2017, the Company had total consolidated assets of $1.5 billion, total consolidated deposits of $1.2 billion and total consolidated shareholders equity of $183.5 million.
About Customers Bancorp
Customers Bancorp, Inc. (Customers Bancorp) is a bank holding company engaged in banking activities through its subsidiary, Customers Bank (the Bank). The Bank provides financial products and services to small and middle market businesses, not-for-profits, and consumers through its branches and offices in Southeastern Pennsylvania (Bucks, Berks, Chester, Delaware and Philadelphia Counties), Rye Brook, Melville and New York, New York (Westchester, Suffolk and New York Counties), Hamilton, New Jersey (Mercer County), Providence, Rhode Island (Providence County), Portsmouth, New Hampshire (Rockingham County) and Boston, Massachusetts (Suffolk County). The Bank also provides liquidity to the mortgage market nationwide through the operation of its loans to mortgage banking companies. The Bank offers a range of traditional loan and deposit banking products, and financial services. Customers Bank offers a range of lending products.
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