First Citizens BancShares (NASDAQ: FCNCA) and Banc of California (NASDAQ:FPTB) are both finance companies, but which is the better investment? We will compare the two businesses based on the strength of their risk, dividends, valuation, analyst recommendations, institutional ownership, profitability and earnings.

Earnings & Valuation

This table compares First Citizens BancShares and Banc of California’s top-line revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio EBITDA Earnings Per Share Price/Earnings Ratio
First Citizens BancShares $1.43 billion 3.23 $306.38 million $25.51 15.08
Banc of California N/A N/A N/A N/A N/A

First Citizens BancShares has higher revenue and earnings than Banc of California.

Profitability

This table compares First Citizens BancShares and Banc of California’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
First Citizens BancShares 20.19% 9.85% 0.91%
Banc of California 18.64% 5.41% 0.57%

Analyst Ratings

This is a breakdown of current recommendations for First Citizens BancShares and Banc of California, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
First Citizens BancShares 0 0 0 0 N/A
Banc of California 0 0 0 0 N/A

Insider & Institutional Ownership

44.9% of First Citizens BancShares shares are held by institutional investors. 19.4% of First Citizens BancShares shares are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.

Dividends

First Citizens BancShares pays an annual dividend of $1.20 per share and has a dividend yield of 0.3%. Banc of California does not pay a dividend. First Citizens BancShares pays out 4.7% of its earnings in the form of a dividend.

Summary

First Citizens BancShares beats Banc of California on 7 of the 8 factors compared between the two stocks.

About First Citizens BancShares

First Citizens BancShares, Inc. (BancShares) is a holding company of First-Citizens Bank & Trust Company (FCB). As of December 31, 2016, BancShares operated in 21 states providing a range of financial services to individuals, businesses and professionals. FCB offers a range of retail and commercial banking services. Its loan services include various types of commercial, business and consumer lending. Its deposit services include checking, savings, money market and time deposit accounts. FCB also provides mortgage lending, a full-service trust department, wealth management services for businesses and individuals and other activities incidental to commercial banking. FCB’s subsidiaries, First Citizens Investor Services, Inc. and First Citizens Asset Management, Inc., provide various investment products, including annuities, discount brokerage services and third-party mutual funds to customers primarily through the bank’s branch network, as well as investment advisory services.

About Banc of California

Banc of California, Inc. is a financial holding company. The Company is the parent of Banc of California, National Association (the Bank). The Company operates through Commercial Banking; Mortgage Banking, and Corporate/Other segments. As of December 31, 2016, the Bank had 90 California banking locations, including 39 full service branches in San Diego, Orange, Santa Barbara, and Los Angeles Counties. The Bank offers automated bill payment, cash and treasury management, master demand accounts, foreign exchange, interest rate swaps, trust services, card payment services, remote and mobile deposit capture, automatic clearing house (ACH) origination, wire transfer, direct deposit, and safe deposit boxes. Bank customers also have the ability to access their accounts through a nationwide network of automated teller machines (ATMs), online, telephone and mobile banking. The Bank’s lending activities are focused on providing financing to private businesses, entrepreneurs and homeowners.

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