Pioneer Bancorp, Inc. (PBFS) vs Plumas Bancorp (PLBC)

Pioneer Bancorp, Inc. and Plumas Bancorp are both Banks Regional companies. Pioneer Bancorp, Inc. and Plumas Bancorp are of similar size ($431.5M and $428.1M). Plumas Bancorp trades at the lower P/E: 12.1× against 25.6×. Plumas Bancorp grew revenue faster over the last twelve months: 38.7% against 15.1%. Plumas Bancorp has the higher net margin (27.4% vs 12.5%) and the higher return on invested capital (19.5% vs 6.26%). Across the 19 metrics below, Plumas Bancorp leads on 13 and Pioneer Bancorp, Inc. on 6.

Valuation

Metric PBFS PLBC Banks Regional median
P/E 25.60 12.10 12.15
P/S 3.18 3.32 2.37
P/B 1.31 1.59 1.21
Price to free cash flow 18.26 11.67 10.80
EV/EBITDA n/m n/m —
EV/Sales 2.85 2.40 2.27
Earnings yield 3.91% 8.27% 8.11%
Free cash flow yield 5.48% 8.57% 8.98%

Profitability

Metric PBFS PLBC Banks Regional median
Gross margin 75.63% 86.28% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 12.49% 27.39% 18.66%
Free cash flow margin 17.40% 28.43% 21.18%
Return on equity 5.24% 15.41% 10.64%
Return on assets 0.76% 1.83% 1.13%
Return on invested capital 6.26% 19.54% 8.33%

Growth

Metric PBFS PLBC Banks Regional median
Revenue growth (TTM) 15.13% 38.65% 6.61%
EPS growth (last fiscal year) 43.80% (5.42%) —
Revenue growth, 5-year CAGR 12.85% 18.46% 12.30%
Net income growth, 5-year CAGR 31.30% 15.39% 9.71%

Health

Metric PBFS PLBC Banks Regional median
Debt to equity 0.00 0.06 0.22
Current ratio 1.00 0.86 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric PBFS PLBC Banks Regional median
Dividend yield — 2.99% 3.75%
Payout ratio 0.00 0.17 0.27

Size

Metric PBFS PLBC Banks Regional median
Market cap 431.50m 428.12m 921.07m

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