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


TriState Capital (NASDAQ:TSCreceived rating) and Central Valley Community Bancorp (NASDAQ:CVCYreceived rating) are both small-cap financial companies, but which is the better investment? We will compare the two companies based on their profitability, dividends, risk, institutional ownership, valuation, analyst recommendations, and earnings.

Volatility & Risk

TriState Capital has a beta of 1.94, indicating 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 its stock price is 23% is less volatile than the S&P 500.

Rating & Result

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

gross receipts price/sales ratio net income earnings per share price-earnings ratio
TriState 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 revenues and profits than Central Valley Community Bancorp. Central Valley Community Bancorp is trading at a lower price-to-earnings multiple than TriState Capital, suggesting it’s the cheaper of the two stocks at the moment.

Insider and Institutional Property

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

Analyst Ratings

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

sell reviews keep ratings Buy reviews Strong buy recommendations rating score
TriState Capital 0 1 0 0 2.00
Central Valley Community Bancorp 0 1 0 0 2.00

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

profitability

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

net margins return on equity return on investment
TriState 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 of the 12 factors compared between the two stocks.

About TriState Capital (received rating)

TriState Capital Holdings, Inc. acts as the banking holding company for TriState Capital Bank, which provides a variety of commercial and personal banking services to mid-sized businesses and high net worth individuals throughout the United States. The Company operates through two segments, Bank and Investment Management. Deposit products include checking accounts, money market deposit accounts and certificates of deposit, as well as Promontory certificate of deposit registration services and insured cash sweep services. The Company also offers loans secured by cash, marketable securities, life insurance, residential real estate or other financial assets, as well as commercial and industrial loans, commercial real estate loans, personal loans, asset-based loans, acquisition financing, and letters of credit. In addition, it offers liquidity and treasury management services such as: B. Online balance reporting, online bill payment, remote deposit, liquidity, telegraphic and automated clearing house, foreign exchange and controlled withdrawal services; and equity and pension advisory and advisory services for third-party mutual funds and series trust mutual funds and separately managed accounts primarily comprising high net worth and institutional clients, including corporations, ERISA plans and Taft-Hartley funds, municipalities, endowments and endowments. In addition, the company offers cash management services; and capital markets services such as interest rate swaps and investment management products and the wholesale and marketing of the investment products and services. It offers its products and services through its main office in Pittsburgh, Pennsylvania and through its four additional representative offices in Cleveland, Ohio; Philadelphia, Pennsylvania; Edison, New Jersey; and New York, New York. The company was founded in 2006 and is headquartered in Pittsburgh, Pennsylvania.

About Central Valley Community Bancorp (received rating)

Central Valley Community Bancorp acts as the banking holding company for Central Valley Community Bank, which provides a variety of commercial banking services to small and medium-sized businesses and individuals in California’s Central Valley. The company accepts sight, savings and term deposits; certificates of deposit; and interest-free sight deposits as well as NOW and call money accounts. Its credit products include commercial, industrial, crop and livestock-secured loans; owner-occupied and investor-occupied commercial real estate, building land and other real estate, agricultural real estate and other real estate loans; and equity loans and lines of credit, as well as installment and other consumer loans. The company also offers domestic and international bank transfers, safe deposit boxes, internet banking and other common banking services. As of December 31, 2021, the company operated through a network of 20 full-service bank branches in Cameron Park, Clovis, Exeter, Folsom, Fresno, Gold River, Kerman, Lodi, Madera, Merced, Modesto, Oakhurst, Prather, Roseville, Sacramento , Stockton and Visalia. Founded in 1979, Central Valley Community Bancorp is based in Fresno, California.



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