Financial Contrast: Plumas Bancorp (NASDAQ:PLBC) versus City Bank (OTCMKTS:CTBK)
by Danessa Lincoln · The Markets DailyPlumas Bancorp (NASDAQ:PLBC – Get Free Report) and City Bank (OTCMKTS:CTBK – Get Free Report) are both finance companies, but which is the better stock? We will compare the two companies based on the strength of their analyst recommendations, dividends, earnings, valuation, profitability, risk and institutional ownership.
Profitability
This table compares Plumas Bancorp and City Bank’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Plumas Bancorp | 25.80% | 15.30% | 1.73% |
| City Bank | N/A | N/A | N/A |
Earnings & Valuation
This table compares Plumas Bancorp and City Bank”s top-line revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Plumas Bancorp | $93.11 million | 3.26 | $28.62 million | $4.27 | 10.23 |
| City Bank | N/A | N/A | N/A | N/A | N/A |
Plumas Bancorp has higher revenue and earnings than City Bank.
Insider & Institutional Ownership
41.7% of Plumas Bancorp shares are held by institutional investors. 7.7% of Plumas Bancorp shares are held by insiders. Comparatively, 37.5% of City Bank shares are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.
Analyst Ratings
This is a breakdown of current ratings for Plumas Bancorp and City Bank, as provided by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Plumas Bancorp | 0 | 0 | 3 | 0 | 3.00 |
| City Bank | 0 | 0 | 0 | 0 | 0.00 |
Plumas Bancorp presently has a consensus target price of $55.50, indicating a potential upside of 27.09%. Given Plumas Bancorp’s stronger consensus rating and higher probable upside, equities research analysts clearly believe Plumas Bancorp is more favorable than City Bank.
Summary
Plumas Bancorp beats City Bank on 8 of the 9 factors compared between the two stocks.
About Plumas Bancorp
Plumas Bancorp operates as the bank holding company for the Plumas Bank that provides various banking products and services for small and middle market businesses, and individuals in Northeastern California and Northwestern Nevada. The company accepts various deposits, such as checking, money market checking, business sweep, public funds sweep, savings, time deposit, and retirement accounts. Its loan portfolio comprises of term real estate, commercial, and industrial term loans; government-guaranteed and agricultural loans, as well as credit lines; consumer, automobile, and home equity loans; land development and construction loans; and small business administration loans. In addition, the company provides remote deposit, telephone and mobile banking, internet banking with bill-pay options, cashier's check, bank-by-mail, automated teller machine, night depository, safe deposit box, direct deposit, electronic funds transfer, and other customary banking services. Plumas Bancorp was founded in 1980 and is headquartered in Reno, Nevada.
About City Bank
As of April 17, 2010, City Bank was acquired by Whidbey Island Bank. City Bank offers commercial banking services. The company was incorporated in 1974 and is headquartered in Lynnwood, Washington.