Wilshire Bancorp (NASDAQ: WIBC) and Bank of Marin Bancorp (NASDAQ:BMRC) are both financials companies, but which is the superior stock? We will contrast the two businesses based on the strength of their dividends, analyst recommendations, profitability, earnings, risk, institutional ownership and valuation.

Valuation & Earnings

This table compares Wilshire Bancorp and Bank of Marin Bancorp’s top-line revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Wilshire Bancorp N/A N/A N/A $0.73 14.71
Bank of Marin Bancorp $84.59 million 5.17 $23.13 million $3.33 21.23

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

Dividends

Wilshire Bancorp pays an annual dividend of $0.24 per share and has a dividend yield of 2.2%. Bank of Marin Bancorp pays an annual dividend of $1.16 per share and has a dividend yield of 1.6%. Wilshire Bancorp pays out 32.9% of its earnings in the form of a dividend. Bank of Marin Bancorp pays out 34.8% 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. Wilshire Bancorp is clearly the better dividend stock, given its higher yield and lower payout ratio.

Analyst Ratings

This is a summary of recent ratings and recommmendations for Wilshire Bancorp and Bank of Marin Bancorp, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Wilshire Bancorp 0 0 0 0 N/A
Bank of Marin Bancorp 0 4 0 0 2.00

Bank of Marin Bancorp has a consensus price target of $70.50, indicating a potential downside of 0.28%. Given Bank of Marin Bancorp’s higher possible upside, analysts clearly believe Bank of Marin Bancorp is more favorable than Wilshire Bancorp.

Insider & Institutional Ownership

45.2% of Bank of Marin Bancorp shares are owned by institutional investors. 5.2% of Bank of Marin Bancorp shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.

Profitability

This table compares Wilshire Bancorp and Bank of Marin Bancorp’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Wilshire Bancorp 35.54% 12.58% 1.45%
Bank of Marin Bancorp 24.74% 8.85% 1.01%

Wilshire Bancorp Company Profile

Wilshire Bancorp, Inc. (Wilshire) is a bank holding company, which offers a range of financial products and services primarily through its subsidiary, Wilshire Bank (the Bank), a California state-chartered commercial bank. The Bank has over 35 full-service branch offices in Southern California, Texas, Alabama, Georgia, New Jersey and the greater New York City metropolitan area. It also has approximately six loan production offices (LPOs) of which over four are utilized primarily for the origination of loans under the small business administration (SBA) lending program located in California, Colorado, Georgia and Washington, and approximately two are utilized primarily for the origination of residential mortgage loans located in Southern California. The Company has approximately $3.84 billion in total loans (net of deferred fees and including loans held-for-sale) and over $3.84 billion in deposits.

Bank of Marin Bancorp Company Profile

Bank of Marin Bancorp (Bancorp) is the holding company for Bank of Marin (the Bank). The Company’s business banking focus is on small to medium-sized businesses, professionals and not-for-profit organizations. As of December 31, 2016, the Company operated through 20 offices in Marin, Sonoma, San Francisco, Napa and Alameda counties. It makes international banking services available to its customers indirectly through other financial institutions, with whom it has correspondent banking relationships. The Company offers a range of commercial and retail deposit and lending programs. Its lending categories include commercial real estate loans, commercial and industrial loans, construction financing, consumer loans and home equity lines of credit. The Company offers a range of personal and business checking and savings accounts, and time deposit alternatives.

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