CPB (NYSE:CPF) versus Plumas Bancorp (NASDAQ:PLBC) Head to Head Survey

CPB (NYSE:CPF) and Plumas Bancorp (NASDAQ:PLBC) are both small-cap finance companies, but which is the superior investment? We will contrast the two companies based on the strength of their analyst recommendations, profitability, risk, institutional ownership, dividends, valuation and earnings.

Valuation & Earnings

This table compares CPB and Plumas Bancorp”s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
CPB	$365.98 million	2.57	$77.48 million	$2.99	12.07
Plumas Bancorp	$112.17 million	3.45	$29.62 million	$4.72	11.75

CPB has higher revenue and earnings than Plumas Bancorp. Plumas Bancorp is trading at a lower price-to-earnings ratio than CPB, indicating that it is currently the more affordable of the two stocks.

Volatility & Risk

CPB has a beta of 0.86, indicating that its share price is 14% less volatile than the S&P 500. Comparatively, Plumas Bancorp has a beta of 0.62, indicating that its share price is 38% less volatile than the S&P 500.

Institutional & Insider Ownership

88.4% of CPB shares are held by institutional investors. Comparatively, 41.7% of Plumas Bancorp shares are held by institutional investors. 1.7% of CPB shares are held by insiders. Comparatively, 7.4% of Plumas Bancorp shares are held by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term growth.

Analyst Recommendations

This is a breakdown of current ratings and price targets for CPB and Plumas Bancorp, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
CPB	0	1	2	0	2.67
Plumas Bancorp	0	0	4	0	3.00

CPB presently has a consensus target price of $37.00, suggesting a potential upside of 2.54%. Plumas Bancorp has a consensus target price of $57.67, suggesting a potential upside of 3.94%. Given Plumas Bancorp’s stronger consensus rating and higher probable upside, analysts clearly believe Plumas Bancorp is more favorable than CPB.

Dividends

CPB pays an annual dividend of $1.16 per share and has a dividend yield of 3.2%. Plumas Bancorp pays an annual dividend of $1.32 per share and has a dividend yield of 2.4%. CPB pays out 38.8% of its earnings in the form of a dividend. Plumas Bancorp pays out 28.0% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. CPB has raised its dividend for 1 consecutive years and Plumas Bancorp has raised its dividend for 1 consecutive years.

Profitability

This table compares CPB and Plumas Bancorp’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
CPB	21.96%	13.93%	1.10%
Plumas Bancorp	26.67%	15.16%	1.76%

Summary

Plumas Bancorp beats CPB on 10 of the 16 factors compared between the two stocks.

About CPB

Central Pacific Financial Corp. operates as the bank holding company for Central Pacific Bank that provides a range of commercial banking products and services to businesses, professionals, and individuals in the United States. It offers various deposit products and services, including checking, savings and time deposits, cash management and digital banking, trust, and retail brokerage services, as well as money market accounts and certificates of deposit. The company also provides various lending activities, such as commercial, commercial and residential mortgage, home equity, and consumer loans; and other products and services comprising debit cards, internet and mobile banking, cash management services, full-service ATMs, safe deposit boxes, international banking services, night depository facilities, foreign exchange, and wire transfers. In addition, it offers wealth management products and services that include non-deposit investment products, annuities, insurance, investment management, asset custody and general consultation, and planning services. The company was founded in 1954 and is headquartered in Honolulu, Hawaii.

About Plumas Bancorp

Plumas Bancorp operates as the bank holding company for the Plumas Bank that provides various banking products and services for small and middle market businesses, and individuals in Northeastern California and Northwestern Nevada. The company accepts various deposits, such as checking, money market checking, business sweep, public funds sweep, savings, time deposit, and retirement accounts. Its loan portfolio comprises of term real estate, commercial, and industrial term loans; government-guaranteed and agricultural loans, as well as credit lines; consumer, automobile, and home equity loans; land development and construction loans; and small business administration loans. In addition, the company provides remote deposit, telephone and mobile banking, internet banking with bill-pay options, cashier's check, bank-by-mail, automated teller machine, night depository, safe deposit box, direct deposit, electronic funds transfer, and other customary banking services. Plumas Bancorp was founded in 1980 and is headquartered in Reno, Nevada.