Head to Head Survey: FCB Financial (FCB) versus CoBiz Financial (COBZ)

CoBiz Financial (NASDAQ: COBZ) and FCB Financial (NYSE:FCB) are both finance companies, but which is the better investment? We will contrast the two businesses based on the strength of their institutional ownership, profitability, earnings, valuation, risk, dividends and analyst recommendations.

Valuation and Earnings

This table compares CoBiz Financial and FCB Financial’s top-line revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
CoBiz Financial $177.19 million 5.26 $32.91 million $0.95 23.14
FCB Financial $409.12 million 7.01 $125.19 million $3.28 18.70

FCB Financial has higher revenue and earnings than CoBiz Financial. FCB Financial is trading at a lower price-to-earnings ratio than CoBiz Financial, indicating that it is currently the more affordable of the two stocks.

Institutional & Insider Ownership

79.6% of CoBiz Financial shares are owned by institutional investors. Comparatively, 91.0% of FCB Financial shares are owned by institutional investors. 9.5% of CoBiz Financial shares are owned by company insiders. Comparatively, 9.6% of FCB Financial shares are owned by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock is poised for long-term growth.

Dividends

CoBiz Financial pays an annual dividend of $0.40 per share and has a dividend yield of 1.8%. FCB Financial does not pay a dividend. CoBiz Financial pays out 42.1% of its earnings in the form of a dividend.

Profitability

This table compares CoBiz Financial and FCB Financial’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
CoBiz Financial 20.43% 13.50% 1.16%
FCB Financial 29.39% 12.00% 1.34%

Analyst Recommendations

This is a breakdown of recent ratings and recommmendations for CoBiz Financial and FCB Financial, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
CoBiz Financial 0 4 1 0 2.20
FCB Financial 1 1 2 0 2.25

CoBiz Financial presently has a consensus target price of $22.17, indicating a potential upside of 0.85%. FCB Financial has a consensus target price of $56.25, indicating a potential downside of 8.31%. Given CoBiz Financial’s higher possible upside, equities analysts plainly believe CoBiz Financial is more favorable than FCB Financial.

Risk & Volatility

CoBiz Financial has a beta of 1.2, indicating that its stock price is 20% more volatile than the S&P 500. Comparatively, FCB Financial has a beta of 1.33, indicating that its stock price is 33% more volatile than the S&P 500.

Summary

FCB Financial beats CoBiz Financial on 12 of the 16 factors compared between the two stocks.

CoBiz Financial Company Profile

CoBiz Financial Inc., a diversified financial services company, provides various financial products and services in the United States. It operates through Commercial Banking and Fee-Based Lines segments. The Commercial Banking segment offers commercial, real estate, and private banking services, as well as treasury management, interest-rate hedging, and depository products. The Fee-Based Lines segment provides investment advisory and insurance brokerage services; investment management advisory services to individuals, families, and businesses; and property and casualty, and employee benefit group insurance broker agency services to small- to mid-sized employers, commercial enterprises, and individual lines to their owners. CoBiz Financial Inc. operates 11 locations, including 7 in the Denver metropolitan area, as well as one each in Boulder, Colorado Springs, Fort Collins, and Vail located in Colorado under the Colorado Business Bank name; and 4 locations serving the Phoenix metropolitan area and the surrounding area of Maricopa County in Arizona under the Arizona Business Bank name. The company was formerly known as CoBiz Inc. and changed its name to CoBiz Financial Inc. in May 2007. CoBiz Financial Inc., was founded in 1980 and is headquartered in Denver, Colorado.

FCB Financial Company Profile

FCB Financial Holdings, Inc. operates as the bank holding company for Florida Community Bank, N.A. that provides various financial products and services to individuals, small and medium-sized businesses, large businesses, and other local organizations and entities in south and central Florida. The company offers various deposit products, including demand deposit accounts, interest-bearing products, savings accounts, and certificates of deposit; checking products; and money market accounts and IRAs. It also offers consumer loans, such as personal and auto loans, recreational loans, and home improvement/second mortgage loans. In addition, the company provides commercial credit products, such as lines of credit to finance working capital and trade activities; loans for owner occupied real estate financing; equipment financing; acquisition financing; construction financing, mini-permanent and permanent financing, acquisition and development lending, land financing, and bridge lending services to commercial real estate clients; and specialty financing services to owners and operators in the areas of aviation and marine lending, as well as participates in club lending structures. Further, it offers syndicated loans; credit cards and purchasing cards; and derivative products, such as interest rate swaps; treasury products; securities brokerage services, investment advice, and investment recommendations; and online and mobile banking, safe deposit boxes, and payment services. As of December 31, 2017, FCB Financial Holdings, Inc. operated through a network of 46 banking centers in Florida. The company was formerly known as Bond Street Holdings, Inc. and changed its name to FCB Financial Holdings, Inc. in June 2014. FCB Financial Holdings, Inc. was founded in 1923 and is headquartered in Weston, Florida.

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