Reviewing California Business Bank (OTCMKTS:CABB) & Associated Banc (NYSE:ASB)

California Business Bank (OTCMKTS:CABBGet Rating) and Associated Banc (NYSE:ASBGet Rating) are both finance companies, but which is the superior stock? We will contrast the two businesses based on the strength of their analyst recommendations, institutional ownership, earnings, risk, profitability, valuation and dividends.

Institutional and Insider Ownership

79.0% of Associated Banc shares are held by institutional investors. 3.0% of Associated Banc shares are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.

Valuation and Earnings

This table compares California Business Bank and Associated Banc’s top-line revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
California Business Bank N/A N/A N/A N/A N/A
Associated Banc $1.13 billion 2.95 $350.99 million $2.14 10.36

Associated Banc has higher revenue and earnings than California Business Bank.

Volatility and Risk

California Business Bank has a beta of 0.45, suggesting that its share price is 55% less volatile than the S&P 500. Comparatively, Associated Banc has a beta of 1.02, suggesting that its share price is 2% more volatile than the S&P 500.

Analyst Ratings

This is a summary of recent recommendations and price targets for California Business Bank and Associated Banc, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
California Business Bank 0 0 0 0 N/A
Associated Banc 0 2 1 0 2.33

Associated Banc has a consensus target price of $23.80, suggesting a potential upside of 7.35%. Given Associated Banc’s higher possible upside, analysts plainly believe Associated Banc is more favorable than California Business Bank.

Profitability

This table compares California Business Bank and Associated Banc’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
California Business Bank N/A N/A N/A
Associated Banc 26.57% 8.85% 0.92%

Summary

Associated Banc beats California Business Bank on 9 of the 9 factors compared between the two stocks.

About California Business Bank

(Get Rating)

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.

About Associated Banc

(Get Rating)

Associated Banc-Corp, a bank holding company, provides various banking and nonbanking products to individuals and businesses in Wisconsin, Illinois, and Minnesota. The company operates through three segments: Corporate and Commercial Specialty; Community, Consumer, and Business; and Risk Management and Shared Services. Its Corporate and Commercial Specialty segment offers lending solutions, including commercial loans and lines of credit, commercial real estate financing, construction loans, letters of credit, leasing, asset based lending, and loan syndications; deposit and cash management solutions, such as commercial checking and interest-bearing deposit products, cash vault and night depository services, liquidity solutions, payables and receivables solutions, and information services; specialized financial services such as interest rate risk management, foreign exchange solutions, and commodity hedging; fiduciary services such as administration of pension, profit-sharing and other employee benefit plans, fiduciary and corporate agency services, and institutional asset management; and investable funds solutions such as savings, money market deposit accounts, IRA accounts, CDs, fixed and variable annuities, full-service, discount and online investment brokerage; investment advisory services; and trust and investment management accounts. The company's Community, Consumer, and Business segment offers lending solutions, such as residential mortgages, home equity loans and lines of credit, personal and installment loans, auto loans, business loans, and business lines of credit; and deposit and transactional solutions such as checking, credit, debit and pre-paid cards, online banking and bill pay; and money transfer services. As of December 31, 2021, the company operated 215 banking branches. Associated Banc-Corp was founded in 1861 and is headquartered in Green Bay, Wisconsin.

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