PacWest Bancorp (NASDAQ:PACW – Get Rating) and SouthCrest Financial Group (OTCMKTS:SCSG – Get Rating) are both finance companies, but which is the superior investment? We will compare the two companies based on the strength of their risk, analyst recommendations, valuation, profitability, dividends, institutional ownership and earnings.
Profitability
This table compares PacWest Bancorp and SouthCrest Financial Group’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| PacWest Bancorp | -48.43% | 13.91% | 1.08% |
| SouthCrest Financial Group | N/A | N/A | N/A |
Earnings and Valuation
This table compares PacWest Bancorp and SouthCrest Financial Group’s gross revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| PacWest Bancorp | $1.26 billion | 0.43 | $423.61 million | ($7.85) | -0.58 |
| SouthCrest Financial Group | N/A | N/A | N/A | N/A | N/A |
Institutional and Insider Ownership
92.0% of PacWest Bancorp shares are held by institutional investors. 1.3% of PacWest Bancorp shares are held 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.
Analyst Recommendations
This is a breakdown of recent recommendations for PacWest Bancorp and SouthCrest Financial Group, as provided by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| PacWest Bancorp | 0 | 6 | 3 | 0 | 2.33 |
| SouthCrest Financial Group | 0 | 0 | 0 | 0 | N/A |
PacWest Bancorp currently has a consensus price target of $24.13, indicating a potential upside of 427.90%. Given PacWest Bancorp’s higher probable upside, equities analysts plainly believe PacWest Bancorp is more favorable than SouthCrest Financial Group.
Summary
PacWest Bancorp beats SouthCrest Financial Group on 7 of the 8 factors compared between the two stocks.
About PacWest Bancorp
PacWest Bancorp is a bank holding company, which specializes in financial and banking solutions. It offers commercial banking services including real estate, construction, commercial loans, comprehensive deposit, and treasury management services to small and middle-market businesses through the Pacific Western Bank. The company was founded on October 22, 1999, and is headquartered in Beverly Hills, CA.
About SouthCrest Financial Group
SouthCrest Financial Group, Inc. operates as the bank holding company for SouthCrest Bank, N.A. that provides various banking products and services. It offers checking, savings, and money market accounts; and certificates of deposit. The company also provides personal loans for cars, boats, recreational vehicles, and other purchases; home equity lines of credit; loans on investment properties; owner occupied real estate, acquisition construction and development, professional practice acquisition, equipment and inventory, construction to permanent, and investment real estate loans; and working capital and lines of credit. In addition, it offers credit cards; remote deposit capture, positive pay, ACH, online wires, merchant, and reorder checks services; and online banking, online bill pay, mobile banking and deposit, and telephone banking services. The company serves retail, private, entrepreneurial, high-net-worth, and commercial customers. It operates through 9 branches in Georgia. SouthCrest Financial Group, Inc. was founded in 1910 and is headquartered in Atlanta, Georgia.
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