Review of TriState Capital (NASDAQ:TSC) and Central Valley Community Bancorp (NASDAQ:CVCY)


Capital of the three States (NASDAQ: TSCGet a rating) and Central Valley Community Bancorp (NASDAQ: CVCYGet a rating) are both small cap finance companies, but which is the better investment? We’ll compare the two companies based on the strength of their profitability, dividends, risk, institutional ownership, valuation, analyst recommendations and earnings.

Volatility and risk

TriState Capital has a beta of 1.94, indicating that its stock price is 94% more volatile than the S&P 500. In comparison, Central Valley Community Bancorp has a beta of 0.77, indicating that its stock price is 23% less volatile than the S&P 500.

Valuation and benefits

This chart compares the revenue, earnings per share (EPS), and valuation of TriState Capital and Central Valley Community Bancorp.

Gross revenue Price/sales ratio Net revenue Earnings per share Price/earnings ratio
Tri-State Capital $289.94 million 3.55 $78.06 million $1.85 16.53
Central Valley Community Bancorp $82.86 million 2.34 $28.40 million $2.22 7.48

TriState Capital has higher revenue and earnings than Central Valley Community Bancorp. Central Valley Community Bancorp trades at a lower price-to-earnings ratio than TriState Capital, indicating that it is currently the more affordable of the two stocks.

Insider and Institutional Ownership

76.3% of TriState Capital shares are held by institutional investors. By comparison, 48.9% of Central Valley Community Bancorp’s shares are held by institutional investors. 7.9% of TriState Capital shares are held by insiders. By comparison, 15.1% of Central Valley Community Bancorp’s shares are held by insiders. Strong institutional ownership is an indication that endowments, large money managers, and hedge funds believe a company is poised for long-term growth.

Analyst Notes

This is a breakdown of recent recommendations and price targets for TriState Capital and Central Valley Community Bancorp, as provided by MarketBeat.com.

Sales Ratings Hold odds Buy reviews Strong buy odds Rating
Tri-State Capital 0 1 0 0 2.00
Central Valley Community Bancorp 0 1 0 0 2.00

TriState Capital currently has a consensus target price of $31.00, indicating a potential upside of 1.37%. Central Valley Community Bancorp has a consensus target price of $24.00, indicating a potential upside of 44.58%. Given Central Valley Community Bancorp’s likely higher upside, analysts clearly believe that Central Valley Community Bancorp is more favorable than TriState Capital.

Profitability

This table compares the net margins, return on equity and return on assets of TriState Capital and Central Valley Community Bancorp.

Net margins Return on equity return on assets
Tri-State Capital 27.20% 13.05% 0.66%
Central Valley Community Bancorp 32.53% 11.53% 1.14%

Summary

TriState Capital beats Central Valley Community Bancorp on 7 out of 12 factors compared between the two stocks.

About TriState Capital (Get a rating)

TriState Capital Holdings, Inc. operates as a bank holding company for TriState Capital Bank which provides various commercial and private banking services to middle market businesses and high net worth individuals in the United States. The Company operates through two segments, banking and investment management. Its deposit products include checking accounts, money market deposit accounts and certificates of deposit, as well as deposit account certificate registry services and insured cash sweeping services. The Company also offers loans secured by cash, marketable securities, cash value life insurance, residential property or other financial assets, as well as commercial and industrial loans, commercial real estate loans, personal loans. , loans on assets, financing of acquisitions. , and letters of credit. In addition, it offers cash and cash management services, such as online balance reporting, online bill payment, remote deposit, cash, transfers and automated clearing house, foreign exchange and controlled disbursement services; and equity and fixed income advisory and sub-advisory services to third-party mutual funds and series trust mutual funds, as well as separately managed accounts comprising primarily ultra-high net worth clients and institutional, including corporations, ERISA plans, Taft-Hartley funds, municipalities, endowments and foundations. Additionally, the company provides cash management services; and capital market services, such as interest rate swaps and investment management products, as well as the wholesale and marketing of investment products and services. It offers its products and services through its main office located in Pittsburgh, Pennsylvania, as well as through its four additional representative offices in Cleveland, Ohio; Philadelphia, Pennsylvania; Edison, New Jersey; and New York, New York. The company was incorporated in 2006 and is headquartered in Pittsburgh, Pennsylvania.

About Central Valley Community Bancorp (Get a rating)

Central Valley Community Bancorp operates as a bank holding company for Central Valley Community Bank which provides various commercial banking services to small and medium businesses and individuals in the Central Valley region of California. The company accepts demand, savings and term deposits; certificates of deposit; and non-interest bearing demand deposits, as well as NOW and money market accounts. Its lending products include commercial and industrial loans, as well as loans secured by agricultural production and livestock; owner-occupied and investor-occupied commercial real estate, building construction and other land, agricultural real estate and other real estate loans; and equity loans and lines of credit, and installment loans and other consumer loans. The company also offers domestic and international wire transfers, safe deposit boxes, internet banking and other usual banking services. As of December 31, 2021, the company operated through a network of 20 full-service banking offices in Cameron Park, Clovis, Exeter, Folsom, Fresno, Gold River, Kerman, Lodi, Madera, Merced, Modesto, Oakhurst, Prather, Roseville, Sacramento , Stockton and Visalia. Central Valley Community Bancorp was founded in 1979 and is based in Fresno, California.



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