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First Bank (FRBA) vs Plumas Bancorp (PLBC)

First Bank and Plumas Bancorp are both Banks Regional companies. First Bank and Plumas Bancorp are of similar size ($438.9M and $431.8M). First Bank trades at the lower P/E: 10.3× against 12.1×. Plumas Bancorp grew revenue faster over the last twelve months: 38.7% against 2.77%. Plumas Bancorp has the higher net margin (27.4% vs 17.5%) and the higher return on invested capital (19.5% vs 9.34%). Both pay a dividend; Plumas Bancorp yields more (2.08% vs 1.85%). Across the 19 metrics below, First Bank leads on 10 and Plumas Bancorp on 9.

Valuation

Metric FRBA PLBC Banks Regional median
P/E 10.35 12.06 11.98
P/S 1.82 3.31 2.34
P/B 0.98 1.59 1.19
Price to free cash flow 8.74 11.63 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 9.66% 8.29% 8.23%
Free cash flow yield 11.44% 8.60% 9.08%

Profitability

Metric FRBA PLBC Banks Regional median
Gross margin 61.42% 86.28% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 17.45% 27.39% 18.66%
Free cash flow margin 20.80% 28.43% 21.11%
Return on equity 9.72% 15.41% 10.65%
Return on assets 1.05% 1.83% 1.13%
Return on invested capital 9.34% 19.54% 8.35%

Growth

Metric FRBA PLBC Banks Regional median
Revenue growth (TTM) 2.77% 38.65% 6.98%
EPS growth (last fiscal year) 4.19% (5.42%) 18.88%
Revenue growth, 5-year CAGR 20.80% 18.46% 12.38%
Net income growth, 5-year CAGR 17.55% 15.39% 9.71%

Health

Metric FRBA PLBC Banks Regional median
Debt to equity 0.61 0.06 0.22
Current ratio 1.11 0.86 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric FRBA PLBC Banks Regional median
Dividend yield 1.85% 2.08% 2.57%
Payout ratio 0.20 0.25 0.30

Size

Metric FRBA PLBC Banks Regional median
Market cap 438.89m 431.81m 913.33m

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