Firstsun Capital Bancorp (NASDAQ:FSUN) vs. Banc of California (NYSE:BANC) Head to Head Review

Banc of California (NYSE:BANC) and Firstsun Capital Bancorp (NASDAQ:FSUN) are both small-cap finance companies, but which is the better investment? We will compare the two businesses based on the strength of their profitability, valuation, dividends, institutional ownership, earnings, risk and analyst recommendations.

Earnings & Valuation

This table compares Banc of California and Firstsun Capital Bancorp”s revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Banc of California	$985.89 million	1.98	$126.89 million	$0.56	21.99
Firstsun Capital Bancorp	$377.44 million	2.48	$75.63 million	N/A	N/A

Banc of California has higher revenue and earnings than Firstsun Capital Bancorp.

Analyst Ratings

This is a summary of current recommendations and price targets for Banc of California and Firstsun Capital Bancorp, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Banc of California	0	4	7	0	2.64
Firstsun Capital Bancorp	0	0	3	0	3.00

Banc of California presently has a consensus target price of $18.18, suggesting a potential upside of 47.64%. Firstsun Capital Bancorp has a consensus target price of $46.67, suggesting a potential upside of 38.39%. Given Banc of California’s higher probable upside, analysts plainly believe Banc of California is more favorable than Firstsun Capital Bancorp.

Institutional & Insider Ownership

86.9% of Banc of California shares are owned by institutional investors. 2.8% of Banc of California shares are owned by insiders. Comparatively, 12.5% of Firstsun Capital Bancorp shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth.

Profitability

This table compares Banc of California and Firstsun Capital Bancorp’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Banc of California	7.06%	6.20%	0.53%
Firstsun Capital Bancorp	13.77%	8.56%	1.07%

Summary

Firstsun Capital Bancorp beats Banc of California on 6 of the 11 factors compared between the two stocks.

About Banc of California

Banc of California, Inc. operates as the bank holding company for Banc of California that provides various banking products and services in California. The company offers deposit products, such as checking, savings, money market, demand, and time deposits; certificates of deposit; retirement accounts; and safe deposit boxes. It also provides real estate loans to professional developers and real estate investors for the acquisition, construction, refinancing, renovation, and on-going operation of commercial real estate properties; commercial real estate mortgage, residential real estate mortgage, and real estate construction and land loans; commercial loans and leases, such as equipment finance, other asset-based, venture capital, secured business, warehouse, and other lending services; small business administration loans; and consumer loans comprising personal, auto, and other loans, as well as home equity and revolving lines of credit. In addition, the company offers international banking, multi-state deposit, and asset and investment management services, as well as cash and treasury management services; and online, mobile, remote deposit, and telephone banking services. It serves small and middle-market businesses, venture capital firms, non-profit organizations, business owners, entrepreneurs, professionals, and high-net worth individuals. Banc of California, Inc. was founded in 1941 and is headquartered in Los Angeles, California.

About Firstsun Capital Bancorp

FirstSun Capital Bancorp engages in the provision of commercial banking services. It operates through the following segments: Banking, Mortgage Operations, and Corporate. The Banking segment consists of loans and provides deposits and fee-based services to consumer, business, and mortgage lending customers. The Mortgage Operations segment originates, sells, services, and manages market risk from changes in interest rates on one-to-four family residential mortgage loans to sell and hold. The company is founded on November 9, 1981 headquartered in Denver, CO.