Texas capital

Texas Capital Bancshares (NASDAQ:TCBI) vs. OP Bancorp (NASDAQ:OPBK) Head-to-Head Analysis


Texas Capital Bancshares (NASDAQ:TCBI – Get Rating) and OP Bancorp (NASDAQ:OPBK – Get Rating) are both finance companies, but which is the best investment? We’ll compare the two companies based on their risk strength, dividends, valuation, profitability, institutional ownership, earnings, and analyst recommendations.

Profitability

This table compares the net margins, return on equity and return on assets of Texas Capital Bancshares and OP Bancorp.

Net margins Return on equity return on assets
Texas Capital Bancshares 22.71% 7.80% 0.65%
PO Bancorp 37.24% 19.90% 1.86%

Benefits and evaluation

This table compares the gross revenue, earnings per share and valuation of Texas Capital Bancshares and OP Bancorp.

Gross revenue Price/sales ratio Net revenue Earnings per share Price/earnings ratio
Texas Capital Bancshares $1.01 billion 2.44 $253.94 million $3.95 12:38
PO Bancorp $80.18 million 2.00 $28.84 million $2.08 5.09

Texas Capital Bancshares has higher revenue and profit than OP Bancorp. OP Bancorp trades at a lower price-to-earnings ratio than Texas Capital Bancshares, indicating that it is currently the more affordable of the two stocks.

Analyst Notes

This is a breakdown of current ratings and target prices for Texas Capital Bancshares and OP Bancorp, as reported by MarketBeat.com.

Sales Ratings Hold odds Buy reviews Strong buy odds Rating
Texas Capital Bancshares 0 4 3 0 2.43
PO Bancorp 0 0 0 0 N / A

Texas Capital Bancshares currently has a consensus price target of $70.36, suggesting a potential upside of 43.86%. Considering the possible higher upside of Texas Capital Bancshares, stock analysts clearly believe that Texas Capital Bancshares is more favorable than OP Bancorp.

Insider and Institutional Ownership

97.8% of the shares of Texas Capital Bancshares are held by institutional investors. By comparison, 58.2% of OP Bancorp’s shares are held by institutional investors. 0.6% of Texas Capital Bancshares shares are held by insiders of the company. By comparison, 22.2% of OP Bancorp’s shares are held by company insiders. Strong institutional ownership indicates that large fund managers, hedge funds, and endowments believe a company will outperform the market over the long term.

Volatility and risk

Texas Capital Bancshares has a beta of 1.59, indicating its stock price is 59% more volatile than the S&P 500. In comparison, OP Bancorp has a beta of 0.54, indicating its stock price is 46 % less volatile than the S&P 500.

Summary

Texas Capital Bancshares beats OP Bancorp on 9 out of 13 factors compared between the two stocks.

About Texas Capital Bancshares (Get an evaluation)

Texas Capital Bancshares, Inc. operates as a bank holding company for Texas Capital Bank, is a full-service financial services company that provides customized solutions to businesses, entrepreneurs and individuals. The Company offers commercial banking, retail banking, investment banking and wealth management. It offers business deposit products and services, including business checking accounts, lockbox accounts and cash concentration accounts, as well as information services, wire transfer initiation, ACH initiation, account transfer and service integration; and consumer deposit products, such as checking accounts, savings accounts, money market accounts and certificates of deposit. The Company also provides commercial loans for general corporate purposes including working capital financing, internal growth, acquisitions and business insurance premiums, as well as consumer loans; loans to exploration and production companies; Mortgages; commercial real estate loans and loans for the financing of residential builders; first and second lien loans to purchase or build residential housing for 1 to 4 families, as well as revolving home equity lines of credit and loans to purchase lots for future construction of residential housing for 1 to 4 families; and real estate loans from a small business administration program, as well as equipment financing and leasing services and letters of credit. Additionally, it offers online and mobile banking, as well as debit and credit card services; escrow services; personal wealth management and fiduciary services; and American Airlines Miles AAdvantage depositors. It operates in the Austin, Fort Worth, Dallas, Houston and San Antonio Texas metropolitan areas. Texas Capital Bancshares, Inc. was incorporated in 1996 and is headquartered in Dallas, Texas.

About OP Bancorp (Get an evaluation)

OP Bancorp operates as a bank holding company for Open Bank which provides banking products and services in California. It offers current, chequing, savings, money market and term accounts, as well as certificates of deposit. The Company also offers commercial real estate, small business administration, commercial and industrial, single family residential, term, consumer and mortgage loans; trade finance products; and letters of credit, SWIFT and export advice. Additionally, it offers debit and credit cards, online transfers and bill payments, electronic delivery of customer statements, and mobile banking solutions for iPhone and Android phones, including remote check deposit with mobile bill payment; direct deposits, cashier’s checks, person-to-person payments, wire transfers, and automated clearing house (ACH) services; and cash management services, including balance reporting, inter-account transfers, wire transfer initiation, ACH issuance and stop payment services, and remote deposit capture, positive payments, zero balance accounts and sweep accounts. As of January 27, 2022, the company operated nine full branches in Downtown Los Angeles, Fashion District Los Angeles, Koreatown Los Angeles, Gardena, Buena Park, and Santa Clara California; and Carrollton, TX. It also had four loan production offices in Atlanta, Georgia; Aurora, Colorado; and Lynnwood and Seattle in Washington. The company was founded in 2005 and is based in Los Angeles, California.



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