City National Corp (NYSE: CYN) and CoBiz Financial (NASDAQ:COBZ) are both financials companies, but which is the superior stock? We will contrast the two companies based on the strength of their risk, profitability, earnings, dividends, valuation, analyst recommendations and institutional ownership.

Profitability

This table compares City National Corp and CoBiz Financial’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
City National Corp 21.28% 9.54% 0.83%
CoBiz Financial 21.97% 12.09% 1.02%

Analyst Ratings

This is a breakdown of recent recommendations and price targets for City National Corp and CoBiz Financial, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
City National Corp 0 0 0 0 N/A
CoBiz Financial 0 3 2 0 2.40

CoBiz Financial has a consensus target price of $18.83, indicating a potential downside of 1.76%. Given CoBiz Financial’s higher possible upside, analysts clearly believe CoBiz Financial is more favorable than City National Corp.

Institutional and Insider Ownership

82.9% of CoBiz Financial shares are held by institutional investors. 9.9% of CoBiz Financial shares are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.

Valuation & Earnings

This table compares City National Corp and CoBiz Financial’s revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio EBITDA Earnings Per Share Price/Earnings Ratio
City National Corp N/A N/A N/A N/A N/A
CoBiz Financial $156.65 million 5.06 $36.81 million $0.89 21.54

CoBiz Financial has higher revenue and earnings than City National Corp.

Dividends

CoBiz Financial pays an annual dividend of $0.22 per share and has a dividend yield of 1.1%. City National Corp does not pay a dividend. CoBiz Financial pays out 24.7% of its earnings in the form of a dividend. CoBiz Financial has increased its dividend for 6 consecutive years.

Summary

CoBiz Financial beats City National Corp on 11 of the 12 factors compared between the two stocks.

City National Corp Company Profile

City National Corporation is a bank holding company and a financial holding company. The Corporation provides a range of banking, investment and trust services to its clients through its wholly-owned banking subsidiary, City National Bank (the Bank). The Company operates through around 75 offices, including 16 full-service regional centers, in Southern California, the San Francisco Bay area, Nevada, New York City, Nashville, Tennessee and Atlanta, Georgia. The Company operates through three segments: Commercial and Private Banking, Wealth Management and Other. The Commercial and Private Banking segment provides banking products and services, including commercial and mortgage lending, lines of credit, equipment lease financing, deposits, cash management services, international trade finance and letters of credit. Wealth Management segment includes all investment advisory affiliates and offers wealth management services. The Other segment includes all other subsidiaries.

CoBiz Financial Company Profile

CoBiz Financial Inc. is a financial holding company. The Company provides a range of banking and related services through its subsidiaries, CoBiz Bank (Bank), CoBiz Insurance, Inc. and CoBiz IM, Inc. (CoBiz IM). The Company’s segments include Commercial Banking, Fee-Based Lines, and Corporate Support and Other. Its Commercial Banking segment consists of the operations of the Bank, a full-service business banking institution that offers commercial, real estate and private banking, as well as treasury management, interest-rate hedging and depository products. Its Fee-Based Lines segment consists of the operations of CoBiz Wealth, LLC and CoBiz Insurance, Inc. CoBiz Wealth, LLC provides investment management advisory services to individuals, families and businesses. CoBiz Insurance, Inc. offers property and casualty (P&C) and employee benefit group insurance (EB) broker agency to small to mid-sized employers, commercial enterprises and individual lines to their owners.

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