Plumas Bancorp (PLBC) vs USCB Financial Holdings, Inc. (USCB)

Plumas Bancorp and USCB Financial Holdings, Inc. are both Banks Regional companies. Plumas Bancorp and USCB Financial Holdings, Inc. are of similar size ($428.1M and $418.8M). Plumas Bancorp trades at the lower P/E: 12.1× against 14.7×. Plumas Bancorp grew revenue faster over the last twelve months: 38.7% against 4.72%. Plumas Bancorp has the higher net margin (27.4% vs 18.1%) and the higher return on invested capital (19.5% vs 6.24%). Both pay a dividend; Plumas Bancorp yields more (2.99% vs 0.87%). Across the 20 metrics below, Plumas Bancorp leads on 12 and USCB Financial Holdings, Inc. on 8.

Valuation

Metric PLBC USCB Banks Regional median
P/E 12.10 14.69 12.15
P/S 3.32 2.61 2.37
P/B 1.59 1.78 1.21
Price to free cash flow 11.67 8.46 10.80
EV/EBITDA n/m n/m —
EV/Sales 2.40 3.63 2.27
Earnings yield 8.27% 6.81% 8.11%
Free cash flow yield 8.57% 11.82% 8.98%

Profitability

Metric PLBC USCB Banks Regional median
Gross margin 86.28% 61.02% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 27.39% 18.05% 18.66%
Free cash flow margin 28.43% 30.84% 21.18%
Return on equity 15.41% 12.36% 10.64%
Return on assets 1.83% 1.00% 1.13%
Return on invested capital 19.54% 6.24% 8.33%

Growth

Metric PLBC USCB Banks Regional median
Revenue growth (TTM) 38.65% 4.72% 6.61%
EPS growth (last fiscal year) (5.42%) 7.26% —
Revenue growth, 5-year CAGR 18.46% 20.96% 12.30%
Net income growth, 5-year CAGR 15.39% 27.68% 9.71%

Health

Metric PLBC USCB Banks Regional median
Debt to equity 0.06 1.20 0.22
Current ratio 0.86 0.97 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric PLBC USCB Banks Regional median
Dividend yield 2.99% 0.87% 3.75%
Payout ratio 0.17 0.00 0.27

Size

Metric PLBC USCB Banks Regional median
Market cap 428.12m 418.82m 921.07m

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