Contrasting Private Bancorp of America (OTCMKTS:PBAM) and Banco Comercial Português (OTCMKTS:BPCGY)

Banco Comercial Português (OTCMKTS:BPCGY) and Private Bancorp of America (OTCMKTS:PBAM) are both finance companies, but which is the better business? We will contrast the two businesses based on the strength of their profitability, earnings, risk, dividends, analyst recommendations, institutional ownership and valuation.

Institutional and Insider Ownership

13.5% of Private Bancorp of America shares are held by institutional investors. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term.

Profitability

This table compares Banco Comercial Português and Private Bancorp of America’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Banco Comercial Português	N/A	N/A	N/A
Private Bancorp of America	21.37%	17.00%	1.49%

Earnings and Valuation

This table compares Banco Comercial Português and Private Bancorp of America”s revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Banco Comercial Português	N/A	N/A	N/A	N/A	N/A
Private Bancorp of America	$130.58 million	2.19	$40.86 million	$5.70	8.72

Private Bancorp of America has higher revenue and earnings than Banco Comercial Português.

Volatility and Risk

Banco Comercial Português has a beta of 0.2, suggesting that its share price is 80% less volatile than the S&P 500. Comparatively, Private Bancorp of America has a beta of 0.19, suggesting that its share price is 81% less volatile than the S&P 500.

Analyst Recommendations

This is a summary of recent ratings and recommmendations for Banco Comercial Português and Private Bancorp of America, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Banco Comercial Português	0	0	0	0	0.00
Private Bancorp of America	0	0	1	0	3.00

Private Bancorp of America has a consensus target price of $53.00, suggesting a potential upside of 6.64%. Given Private Bancorp of America’s stronger consensus rating and higher possible upside, analysts plainly believe Private Bancorp of America is more favorable than Banco Comercial Português.

Summary

Private Bancorp of America beats Banco Comercial Português on 8 of the 9 factors compared between the two stocks.

About Banco Comercial Português

Banco Comercial Português, S.A., a private sector bank, engages in the provision of various banking and financial products and services in Portugal and internationally. It operates through Retail Banking; Companies, Corporate & Investment Banking; Private Banking; Foreign Business; and Other segments. It offers a range of financial products and services, including current accounts, payment systems, savings and investment products, private banking, asset management, and investment banking services, such as mortgage loans, personal loans, commercial banking, leasing, factoring and insurance, and others. The company is also involved in the provision of investment fund and real estate management, e-commerce, web portal, real estate investment fund, trade finance, trust, consulting, brokerage, marketing, and real estate services, as well as internet, telephone, and mobile banking services. Banco Comercial Português, S.A. was incorporated in 1985 and is based in Porto, Portugal.

About Private Bancorp of America

Private Bancorp of America, Inc. operates as the bank holding company for CalPrivate Bank that provides banking products and services to individuals and businesses in California. The company offers checking and savings, money market, certificate of deposit, sweep, zero balance, and individual retirement accounts; unsecured lines of credit, personal credit lines, and term loans; additional services, such as direct deposits, online banking, ATM and debit cards, credit cards, savings/line of credit overdraft protection, and safe deposit boxes; and certificate of deposit account registry services. It also provides treasury management, merchant card, bill pay, positive pay, e-statement, remote deposit capture, ACH origination, wire transfer, electronic payments and collections, electronic check acceptance, account reconciliation, cash vault, and gift and business credit cards, as well as funds management services. In addition, the company offers term credit facilities and loans, equipment and business expansion loans, working capital lines of credit, commercial real estate financing, construction financing, letters of credit, business start-up loans, loans for business acquisition and partner buyouts, owner-occupied commercial real estate loans, equipment, furniture and fixture, and other loans; and CDARS And ICS products. Further, it provides wealth management and legal services. The company has offices in La Jolla, San Diego, Coronado, Newport Beach, Beverly Hills, El Segundo, Temecula, Mission Valley, and Redlands. Private Bancorp of America, Inc. was founded in 2006 and is headquartered in La Jolla, California.