Bank of Commerce (NASDAQ:BOCH) and Republic Bancorp, Inc. KY (NASDAQ:RBCAA) are both small-cap finance companies, but which is the superior stock? We will compare the two businesses based on the strength of their risk, earnings, profitability, institutional ownership, dividends, analyst recommendations and valuation.
This table compares Bank of Commerce and Republic Bancorp, Inc. KY’s net margins, return on equity and return on assets.
|Net Margins||Return on Equity||Return on Assets|
|Bank of Commerce||18.19%||9.54%||0.97%|
|Republic Bancorp, Inc. KY||19.24%||9.45%||1.19%|
This table compares Bank of Commerce and Republic Bancorp, Inc. KY’s revenue, earnings per share and valuation.
|Gross Revenue||Price/Sales Ratio||Net Income||Earnings Per Share||Price/Earnings Ratio|
|Bank of Commerce||$50.77 million||3.69||$7.34 million||$0.64||17.92|
|Republic Bancorp, Inc. KY||$277.19 million||3.27||$45.63 million||N/A||N/A|
Republic Bancorp, Inc. KY has higher revenue and earnings than Bank of Commerce.
Bank of Commerce pays an annual dividend of $0.16 per share and has a dividend yield of 1.4%. Republic Bancorp, Inc. KY pays an annual dividend of $0.97 per share and has a dividend yield of 2.2%. Bank of Commerce pays out 25.0% of its earnings in the form of a dividend. Republic Bancorp, Inc. KY has raised its dividend for 16 consecutive years. Republic Bancorp, Inc. KY is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.
This is a summary of recent recommendations for Bank of Commerce and Republic Bancorp, Inc. KY, as reported by MarketBeat.com.
|Sell Ratings||Hold Ratings||Buy Ratings||Strong Buy Ratings||Rating Score|
|Bank of Commerce||0||1||0||0||2.00|
|Republic Bancorp, Inc. KY||0||1||0||0||2.00|
Bank of Commerce currently has a consensus price target of $13.50, suggesting a potential upside of 17.70%. Republic Bancorp, Inc. KY has a consensus price target of $51.00, suggesting a potential upside of 17.54%. Given Bank of Commerce’s higher probable upside, analysts plainly believe Bank of Commerce is more favorable than Republic Bancorp, Inc. KY.
Risk & Volatility
Bank of Commerce has a beta of 0.38, suggesting that its share price is 62% less volatile than the S&P 500. Comparatively, Republic Bancorp, Inc. KY has a beta of 0.28, suggesting that its share price is 72% less volatile than the S&P 500.
Institutional & Insider Ownership
56.0% of Bank of Commerce shares are owned by institutional investors. Comparatively, 25.4% of Republic Bancorp, Inc. KY shares are owned by institutional investors. 6.4% of Bank of Commerce shares are owned by insiders. Comparatively, 52.3% of Republic Bancorp, Inc. KY shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term growth.
Republic Bancorp, Inc. KY beats Bank of Commerce on 8 of the 14 factors compared between the two stocks.
About Bank of Commerce
Bank of Commerce Holdings operates as the bank holding company for Redding Bank of Commerce that provides a range of financial services and products for retail customers and small to medium sized businesses in California. The company's deposit products include checking, interest-bearing checking, money market, and savings accounts, as well as certificates of deposit. The company also offers commercial loans, commercial real estate loans, residential mortgages, consumer loans, construction loans, term loans, small business administration loans, and home equity loans. In addition, it provides sweep arrangements, safe deposit boxes, collection services, electronic banking services, payroll processing, and ATM and point of sale services. As of January 19, 2018, the company operated nine offices located in northern California. Bank of Commerce Holdings is headquartered in Sacramento, California.
About Republic Bancorp, Inc. KY
Republic Bancorp, Inc., a financial holding company, provides banking products and services in the United States. It operates in five segments: Traditional Banking, Warehouse Lending, Mortgage Banking, Tax Refund Solutions, and Republic Credit Solutions. The company accepts demand, savings, time, and brokered and other certificates of deposits; and money market and individual retirement accounts. Its loan products include single family, first lien residential real estate, and adjustable rate mortgage loans; commercial and industrial, commercial real estate, construction and development, and multi-family loans, as well as equipment financing; construction and land development loans; Internet and correspondent lending; home improvement and home equity, and secured and unsecured personal loans; and dealer floor plan, consumer indirect automobile, and consumer aircraft loans. The company also offers credit cards; title insurance and other financial products and services; and memory banking, private banking, lockbox processing, remote deposit capture, business online banking, account reconciliation, automated clearing house processing, and Internet and mobile banking services. In addition, it provides short-term and revolving credit facilities to mortgage bankers; tax refund solutions, which facilitate the receipt and payment of federal and state tax refund products through third-party tax preparers and tax-preparation software providers; and general purpose reloadable prepaid cards through third party program managers. Further, the company offers consumer credit products; and property and casualty insurance services. As of March 5, 2018, it operated 45 banking centers, including 33 banking centers in 12 Kentucky communities, 3 in southern Indiana, 6 in Florida, 2 in Tennessee, and 1 in Ohio, as well as 1 loan production office in Tennessee. Republic Bancorp, Inc. was founded in 1974 and is headquartered in Louisville, Kentucky.
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