Head to Head Survey: California Business Bank (OTCMKTS:CABB) and International Bancshares (NASDAQ:IBOC)

International Bancshares (NASDAQ:IBOC) and California Business Bank (OTCMKTS:CABB) are both finance companies, but which is the better business? We will contrast the two companies based on the strength of their dividends, analyst recommendations, earnings, institutional ownership, profitability, valuation and risk.

Risk & Volatility

International Bancshares has a beta of 0.76, meaning that its share price is 24% less volatile than the S&P 500. Comparatively, California Business Bank has a beta of 0.23, meaning that its share price is 77% less volatile than the S&P 500.

Valuation and Earnings

This table compares International Bancshares and California Business Bank”s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
International Bancshares	$1.04 billion	4.10	$409.17 million	$6.76	10.18
California Business Bank	N/A	N/A	N/A	N/A	N/A

International Bancshares has higher revenue and earnings than California Business Bank.

Analyst Ratings

This is a breakdown of current ratings and recommmendations for International Bancshares and California Business Bank, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
International Bancshares	0	0	1	0	3.00
California Business Bank	0	0	0	0	0.00

Institutional and Insider Ownership

65.9% of International Bancshares shares are owned by institutional investors. 13.4% of International Bancshares 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 International Bancshares and California Business Bank’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
International Bancshares	40.10%	14.20%	2.59%
California Business Bank	N/A	N/A	N/A

Summary

International Bancshares beats California Business Bank on 9 of the 9 factors compared between the two stocks.

About International Bancshares

International Bancshares Corporation, a financial holding company, provides commercial and retail banking services in Texas and the State of Oklahoma. It accepts checking and saving deposits; and offers commercial, real estate, personal, home improvement, automobile, and other installment and term loans. The company also provides international banking services, including letters of credit, commercial and industrial loans, and foreign exchange services. In addition, it offers other banking related services, such as credit cards, safety deposit boxes, collection, notary public, escrow, drive up and walk up facilities, and other customary banking services; and Internet banking services, as well as securities products through third party providers. The company was founded in 1966 and is headquartered in Laredo, Texas.

About California Business Bank

California Business Bank provides various financial products and services for small businesses and entrepreneurs. The company offers various personal and business deposit products; and business and commercial loans comprising SBA, commercial and industrial, and commercial real estate loans. It also provides online and mobile banking, mobile deposit, bill pay, and other services. The company was founded in 2005 and is headquartered in Irvine, California.