Head-To-Head Comparison: PCB Bancorp (NASDAQ:PCB) and Great Southern Bancorp (NASDAQ:GSBC)

Great Southern Bancorp (NASDAQ:GSBC) and PCB Bancorp (NASDAQ:PCB) are both small-cap finance companies, but which is the superior investment? We will contrast the two businesses based on the strength of their dividends, risk, earnings, institutional ownership, profitability, valuation and analyst recommendations.

Earnings & Valuation

This table compares Great Southern Bancorp and PCB Bancorp”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Great Southern Bancorp	$355.26 million	1.91	$61.81 million	$5.26	11.06
PCB Bancorp	$191.91 million	1.49	$25.81 million	$1.74	11.51

Great Southern Bancorp has higher revenue and earnings than PCB Bancorp. Great Southern Bancorp is trading at a lower price-to-earnings ratio than PCB Bancorp, indicating that it is currently the more affordable of the two stocks.

Dividends

Great Southern Bancorp pays an annual dividend of $1.60 per share and has a dividend yield of 2.8%. PCB Bancorp pays an annual dividend of $0.80 per share and has a dividend yield of 4.0%. Great Southern Bancorp pays out 30.4% of its earnings in the form of a dividend. PCB Bancorp pays out 46.0% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years.

Institutional and Insider Ownership

41.7% of Great Southern Bancorp shares are held by institutional investors. Comparatively, 33.0% of PCB Bancorp shares are held by institutional investors. 27.6% of Great Southern Bancorp shares are held by company insiders. Comparatively, 25.0% of PCB Bancorp shares are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.

Profitability

This table compares Great Southern Bancorp and PCB Bancorp’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Great Southern Bancorp	17.40%	10.62%	1.04%
PCB Bancorp	13.45%	9.02%	0.90%

Analyst Ratings

This is a summary of recent ratings and recommmendations for Great Southern Bancorp and PCB Bancorp, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Great Southern Bancorp	0	1	0	0	2.00
PCB Bancorp	0	2	0	0	2.00

Great Southern Bancorp currently has a consensus price target of $64.00, indicating a potential upside of 10.04%. PCB Bancorp has a consensus price target of $22.00, indicating a potential upside of 9.86%. Given Great Southern Bancorp’s higher probable upside, research analysts clearly believe Great Southern Bancorp is more favorable than PCB Bancorp.

Volatility and Risk

Great Southern Bancorp has a beta of 0.65, indicating that its share price is 35% less volatile than the S&P 500. Comparatively, PCB Bancorp has a beta of 0.7, indicating that its share price is 30% less volatile than the S&P 500.

Summary

Great Southern Bancorp beats PCB Bancorp on 11 of the 14 factors compared between the two stocks.

About Great Southern Bancorp

Great Southern Bancorp, Inc. operates as a bank holding company for Great Southern Bank that provides a range of financial services in the United States. Its deposit products include regular savings accounts, checking accounts, money market accounts, fixed interest rate certificates with varying maturities, certificates of deposit, brokered certificates, and individual retirement accounts. The company's loan portfolio comprises residential and commercial real estate loans, commercial business loans, construction loans, home improvement loans, and unsecured consumer loans, as well as secured consumer loans, such as automobile loans, boat loans, home equity loans, and loans secured by savings deposits. It also provides insurance and merchant banking services. The company was founded in 1923 and is headquartered in Springfield, Missouri.

About PCB Bancorp

PCB Bancorp operates as the bank holding company for PCB Bank that provides various banking products and services to small to medium-sized businesses, individuals, and professionals in Southern California. The company offers demand, savings, money market, and time deposits, as well as certificates of deposit; and trade finance, remote deposit capture, courier deposit services, positive pay services, zero balance accounts, and sweep accounts. It also provides real estate loans, including commercial and residential, Small Business Administration (SBA) property, and construction loans; commercial and industrial loans, such as commercial term and lines of credit, SBA commercial term, and SBA Paycheck Protection Program loans; and consumer loans comprising residential mortgage; and automobile loans, unsecured lines of credit, and term loans. In addition, the company offers access to account balances, online transfers, and online bill payment and electronic delivery of customer statements; and mobile banking solutions that include remote check deposit and mobile bill pay. Further, it provides automated teller machines; and banking by telephone, mail, personal appointment, debit cards, direct deposit, and cashier's checks, as well as treasury management, wire transfer, and automated clearing house services. The company operates through a network of full-service branches in Los Angeles and Orange counties, California; Carrollton and Dallas, Texas; and Englewood Cliffs and Palisade Park, New Jersey, and Bayside, New York. It also operates loan production offices in Los Angeles and Orange Counties, California; Annandale, Virginia; Atlanta, Georgia; Bellevue, Washington; Aurora, Colorado; and Carrollton, Texas. The company was formerly known as Pacific City Financial Corporation and changed its name to PCB Bancorp in July 2019. PCB Bancorp was founded in 2003 and is headquartered in Los Angeles, California.