Plumas Bancorp (PLBC) vs Grupo Supervielle S.A. (SUPV)

Plumas Bancorp and Grupo Supervielle S.A. are both Banks Regional companies. Plumas Bancorp and Grupo Supervielle S.A. are of similar size ($435.6M and $433.5M). Grupo Supervielle S.A. has negative trailing earnings, so its P/E is not meaningful; Plumas Bancorp trades at 10.4×. Plumas Bancorp grew revenue faster over the last twelve months: 29.6% against 10.2%. Plumas Bancorp has the higher net margin (31.7% vs −3.62%) and the higher return on invested capital (23.1% vs 0.00%). Across the 17 metrics below, Plumas Bancorp leads on 14 and Grupo Supervielle S.A. on 3.

Valuation

Metric PLBC SUPV Banks Regional median
P/E 10.36 n/m 12.02
P/S 3.28 0.30 2.36
P/B 1.66 0.60 1.23
Price to free cash flow 9.40 19.55 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 9.66% (11.05%) 8.21%
Free cash flow yield 10.63% 5.11% 9.23%

Profitability

Metric PLBC SUPV Banks Regional median
Gross margin 86.55% 54.65% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 31.72% (3.62%) 18.82%
Free cash flow margin 31.85% 1.51% 17.97%
Return on equity 16.55% (7.34%) 10.28%
Return on assets 1.87% (1.06%) 1.13%
Return on invested capital 23.14% 0.00% 8.45%

Growth

Metric PLBC SUPV Banks Regional median
Revenue growth (TTM) 29.63% 10.24% 6.37%
EPS growth (last fiscal year) (5.42%) (134.42%) 18.85%
Revenue growth, 5-year CAGR 18.46% 8.30% 12.65%
Net income growth, 5-year CAGR 15.39% 0.00% 9.81%

Health

Metric PLBC SUPV Banks Regional median
Debt to equity 0.00 0.09 0.17
Current ratio 0.86 0.92 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric PLBC SUPV Banks Regional median
Dividend yield 2.11% — 2.49%
Payout ratio 0.22 — 0.29

Size

Metric PLBC SUPV Banks Regional median
Market cap 435.57m 433.52m 934.85m

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