Analyzing Bancorp (TBBK) & China Commercial Credit (CCCR)

Bancorp (NASDAQ:TBBK) and China Commercial Credit (NASDAQ:CCCR) are both small-cap finance companies, but which is the superior business? We will compare the two businesses based on the strength of their risk, profitability, dividends, institutional ownership, valuation, analyst recommendations and earnings.

Profitability

This table compares Bancorp and China Commercial Credit’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Bancorp 6.61% 11.88% 0.88%
China Commercial Credit -2,456.39% N/A -135.50%

Insider and Institutional Ownership

80.1% of Bancorp shares are owned by institutional investors. Comparatively, 0.3% of China Commercial Credit shares are owned by institutional investors. 11.1% of Bancorp shares are owned by company insiders. Comparatively, 2.2% of China Commercial Credit shares are owned by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term.

Volatility & Risk

Bancorp has a beta of 1.19, indicating that its share price is 19% more volatile than the S&P 500. Comparatively, China Commercial Credit has a beta of 0.08, indicating that its share price is 92% less volatile than the S&P 500.

Analyst Ratings

This is a breakdown of recent recommendations and price targets for Bancorp and China Commercial Credit, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Bancorp 0 2 0 1 2.67
China Commercial Credit 0 0 0 0 N/A

Bancorp presently has a consensus target price of $11.00, suggesting a potential upside of 6.28%. Given Bancorp’s higher probable upside, equities research analysts clearly believe Bancorp is more favorable than China Commercial Credit.

Earnings & Valuation

This table compares Bancorp and China Commercial Credit’s revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Bancorp $213.56 million 2.74 $21.67 million $0.51 20.29
China Commercial Credit $410,000.00 65.09 -$10.69 million N/A N/A

Bancorp has higher revenue and earnings than China Commercial Credit.

Summary

Bancorp beats China Commercial Credit on 10 of the 11 factors compared between the two stocks.

About Bancorp

The Bancorp, Inc. operates as the financial holding company for The Bancorp Bank that provides banking products and services in the United States. The company offers a range of deposit products and services, including checking accounts, savings accounts, money market accounts, commercial accounts, and prepaid and debit cards. It also provides securities backed lines of credit, vehicle fleet and other equipment leasing, small business administration loans, and loans generated for sale into capital markets primarily through commercial mortgage backed securities. In addition, it offers private label banking; credit and debit card payment processing for independent service organizations; institutional banking; and Internet banking services. The Bancorp, Inc. was founded in 1999 and is based in Wilmington, Delaware.

About China Commercial Credit

China Commercial Credit, Inc., through its subsidiaries, operates as a microcredit company in the People's Republic of China. It provides direct loans, including secured loans comprising guarantee-backed loans and collateral-backed loans. China Commercial Credit, Inc. also offers financial guarantee services to third party lenders; and financial leasing services. It serves small-to-medium sized enterprises, farmers, and individuals in Wujiang, Jiangsu Province. The company was founded in 2008 and is based in Suzhou, the People's Republic of China.

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