City Bank (OTCMKTS:CTBK – Get Free Report) and Bank of Marin Bancorp (NASDAQ:BMRC – Get Free Report) are both finance companies, but which is the better business? We will contrast the two businesses based on the strength of their institutional ownership, dividends, analyst recommendations, profitability, earnings, valuation and risk.
Analyst Recommendations
This is a summary of current ratings for City Bank and Bank of Marin Bancorp, as provided by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| City Bank | 0 | 0 | 0 | 0 | 0.00 |
| Bank of Marin Bancorp | 2 | 2 | 2 | 0 | 2.00 |
Bank of Marin Bancorp has a consensus target price of $28.40, suggesting a potential upside of 10.33%. Given Bank of Marin Bancorp’s stronger consensus rating and higher possible upside, analysts clearly believe Bank of Marin Bancorp is more favorable than City Bank.
Institutional & Insider Ownership
Earnings & Valuation
This table compares City Bank and Bank of Marin Bancorp”s revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| City Bank | N/A | N/A | N/A | N/A | N/A |
| Bank of Marin Bancorp | $163.98 million | 2.54 | -$35.67 million | ($2.02) | -12.74 |
City Bank has higher earnings, but lower revenue than Bank of Marin Bancorp.
Volatility & Risk
City Bank has a beta of -0.22, suggesting that its share price is 122% less volatile than the S&P 500. Comparatively, Bank of Marin Bancorp has a beta of 0.82, suggesting that its share price is 18% less volatile than the S&P 500.
Profitability
This table compares City Bank and Bank of Marin Bancorp’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| City Bank | N/A | N/A | N/A |
| Bank of Marin Bancorp | -18.58% | 7.20% | 0.78% |
Summary
Bank of Marin Bancorp beats City Bank on 8 of the 10 factors compared between the two stocks.
About City Bank
As of April 17, 2010, City Bank was acquired by Whidbey Island Bank. City Bank offers commercial banking services. The company was incorporated in 1974 and is headquartered in Lynnwood, Washington.
About Bank of Marin Bancorp
Bank of Marin Bancorp operates as the holding company for Bank of Marin that provides a range of financial services primarily to small to medium-sized businesses, not-for-profit organizations, and commercial real estate investors in the United States. The company offers personal and business checking and savings accounts; and individual retirement, health savings, and demand deposit marketplace accounts, as well as time certificates of deposit, certificate of deposit account registry, and insured cash sweep services. It also provides commercial real estate, commercial and industrial, and consumer loans, as well as construction financing and home equity lines of credit. In addition, the company offers merchant and payroll services; commercial equipment leasing program; payment solutions; treasury management services; credit cards; and mobile deposit, remote deposit capture, automated clearing house, wire transfer, and image lockbox services. Further, it provides wealth management and trust services comprising customized investment portfolio management, financial planning, trust administration, estate settlement, and custody services, as well as 401(k) plan services; and automated teller machines, and telephone and digital banking services. The company was incorporated in 1989 and is headquartered in Novato, California.
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