Commercial Bancgroup, Inc. (CBK) vs Plumas Bancorp (PLBC)

Commercial Bancgroup, Inc. and Plumas Bancorp are both Banks Regional companies. Commercial Bancgroup, Inc. and Plumas Bancorp are of similar size ($435.8M and $428.1M). Commercial Bancgroup, Inc. trades at the lower P/E: 10.9× against 12.1×. Commercial Bancgroup, Inc. has the higher net margin (30.3% vs 27.4%) and the lower return on invested capital (14.9% vs 19.5%). Across the 16 metrics below, Commercial Bancgroup, Inc. leads on 10 and Plumas Bancorp on 6.

Valuation

Metric CBK PLBC Banks Regional median
P/E 10.92 12.10 12.15
P/S 3.38 3.32 2.37
P/B 1.45 1.59 1.21
Price to free cash flow 11.32 11.67 10.80
EV/EBITDA n/m n/m —
EV/Sales 2.63 2.40 2.27
Earnings yield 9.16% 8.27% 8.11%
Free cash flow yield 8.84% 8.57% 8.98%

Profitability

Metric CBK PLBC Banks Regional median
Gross margin 71.89% 86.28% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 30.25% 27.39% 18.66%
Free cash flow margin 29.86% 28.43% 21.18%
Return on equity 15.05% 15.41% 10.64%
Return on assets 3.31% 1.83% 1.13%
Return on invested capital 14.93% 19.54% 8.33%

Growth

Metric CBK PLBC Banks Regional median
Revenue growth (TTM) — 38.65% 6.61%
EPS growth (last fiscal year) 13.97% (5.42%) —
Revenue growth, 5-year CAGR — 18.46% 12.30%
Net income growth, 5-year CAGR — 15.39% 9.71%

Health

Metric CBK PLBC Banks Regional median
Debt to equity 0.24 0.06 0.22
Current ratio 1.06 0.86 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CBK PLBC Banks Regional median
Dividend yield — 2.99% 3.75%
Payout ratio — 0.17 0.27

Size

Metric CBK PLBC Banks Regional median
Market cap 435.84m 428.12m 921.07m

Compare with another peer

Any metric, up to five companies and an Excel export Powerpack