Critical Survey: Pacific Alliance Bank (OTCMKTS:PFBN) versus BANCORP 34 (OTCMKTS:BCTF)

Dividends

Pacific Alliance Bank pays an annual dividend of $0.10 per share and has a dividend yield of 1.2%. BANCORP 34 pays an annual dividend of $0.28 per share and has a dividend yield of 1.9%. BANCORP 34 pays out 29.2% of its earnings in the form of a dividend.

Profitability

This table compares Pacific Alliance Bank and BANCORP 34’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Pacific Alliance Bank	N/A	N/A	N/A
BANCORP 34	13.45%	4.02%	0.38%

Institutional & Insider Ownership

6.5% of BANCORP 34 shares are owned by institutional investors. 7.4% of BANCORP 34 shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.

Valuation and Earnings

This table compares Pacific Alliance Bank and BANCORP 34″s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Pacific Alliance Bank	$26.40 million	1.02	$2.30 million	N/A	N/A
BANCORP 34	$54.19 million	1.86	$7.86 million	$0.96	15.42

BANCORP 34 has higher revenue and earnings than Pacific Alliance Bank.

Risk & Volatility

Pacific Alliance Bank has a beta of 0.14, indicating that its stock price is 86% less volatile than the S&P 500. Comparatively, BANCORP 34 has a beta of 0.15, indicating that its stock price is 85% less volatile than the S&P 500.

Summary

BANCORP 34 beats Pacific Alliance Bank on 10 of the 11 factors compared between the two stocks.

About Pacific Alliance Bank

Pacific Alliance Bank provides commercial and consumer banking products and services for small to midsize business owners, and employees in the United States. It offers checking, money market, savings, and individual retirement accounts; and certificates of deposit. The company also provides mortgage, commercial, term, commercial real estate, construction, and SBA loans; and lines of credit. In addition, it offers personal and business online services; and casher checks, check reorder, night deposit, direct deposit, safe deposit boxes, positive pay/check reconciliation, wire, debit card, and other services. The company was founded in 2006 and is headquartered in San Gabriel, California.

About BANCORP 34

Bancorp 34, Inc. operates as the holding company for Bank 34 that offers various banking products and services to individuals and businesses in the United States. It accepts various deposit products, such as savings accounts, checking accounts, money market accounts, demand and time deposits, NOW accounts, and individual retirement accounts, as well as certificates of deposit. The company also provides term, working capital, construction, USDA, small business administration, equipment, assisted living and skilled nursing, renewable energy and solar equipment, and commercial real estate loans; and small to medium size business and business acquisitions financing; lines of credit; multi-family finance; and employee stock ownership plans, HOA lending, and investor pools of single family rentals. In addition, it offers credit and debit cards; safe deposit boxes; treasury management products; and merchant card processing, cash management, e-banking, mobile and online banking, bill payment, and merchant capture services. The company operates through its network of full-service branches in Scottsdale and Arizona, as well as Alamogordo and Las Cruces, New Mexico. Bancorp 34, Inc. was founded in 1934 and is headquartered in Scottsdale, Arizona.