Plumas Bancorp (PLBC) Competitors

Plumas Bancorp (NASDAQ:PLBC) and Bank First (NASDAQ:BFC) are both small-cap finance companies, but which is the better investment? We will contrast the two businesses based on the strength of their earnings, institutional ownership, valuation, risk, media sentiment, dividends, community ranking, profitability and analyst recommendations.

Does the MarketBeat Community believe in PLBC or BFC?

Plumas Bancorp received 104 more outperform votes than Bank First when rated by MarketBeat users. Likewise, 63.78% of users gave Plumas Bancorp an outperform vote while only 45.16% of users gave Bank First an outperform vote.

Company	Underperform	Outperform
Plumas Bancorp	Outperform Votes 118 63.78%	Underperform Votes 67 36.22%
Bank First	Outperform Votes 14 45.16%	Underperform Votes 17 54.84%

Is PLBC or BFC more profitable?

Plumas Bancorp has a net margin of 30.74% compared to Bank First's net margin of 29.00%. Plumas Bancorp's return on equity of 16.88% beat Bank First's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Plumas Bancorp	30.74%	16.88%	1.74%
Bank First	29.00%	10.53%	1.56%

Do insiders and institutionals have more ownership in PLBC or BFC?

41.7% of Plumas Bancorp shares are held by institutional investors. Comparatively, 30.0% of Bank First shares are held by institutional investors. 9.0% of Plumas Bancorp shares are held by insiders. Comparatively, 4.1% of Bank First shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company will outperform the market over the long term.

Do analysts rate PLBC or BFC?

Plumas Bancorp presently has a consensus target price of $58.00, indicating a potential upside of 45.40%. Bank First has a consensus target price of $104.00, indicating a potential downside of 2.14%. Given Plumas Bancorp's stronger consensus rating and higher probable upside, analysts plainly believe Plumas Bancorp is more favorable than Bank First.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Plumas Bancorp	0 Sell rating(s)	0 Hold rating(s)	3 Buy rating(s)	0 Strong Buy rating(s)	3.00
Bank First	0 Sell rating(s)	1 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	2.00

Does the media favor PLBC or BFC?

In the previous week, Plumas Bancorp had 2 more articles in the media than Bank First. MarketBeat recorded 9 mentions for Plumas Bancorp and 7 mentions for Bank First. Bank First's average media sentiment score of 1.15 beat Plumas Bancorp's score of 0.90 indicating that Bank First is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Plumas Bancorp	1 Very Positive mention(s)	0 Positive mention(s)	6 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive
Bank First	2 Very Positive mention(s)	0 Positive mention(s)	3 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Which has better earnings & valuation, PLBC or BFC?

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

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Plumas Bancorp	$62.23M	3.79	$28.62M	$4.79	8.33
Bank First	$154.64M	6.87	$65.56M	$6.50	16.35

Is PLBC or BFC a better dividend stock?

Plumas Bancorp pays an annual dividend of $1.20 per share and has a dividend yield of 3.0%. Bank First pays an annual dividend of $1.80 per share and has a dividend yield of 1.7%. Plumas Bancorp pays out 25.1% of its earnings in the form of a dividend. Bank First pays out 27.7% 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. Plumas Bancorp is clearly the better dividend stock, given its higher yield and lower payout ratio.

Which has more volatility & risk, PLBC or BFC?

Plumas Bancorp has a beta of 0.55, suggesting that its stock price is 45% less volatile than the S&P 500. Comparatively, Bank First has a beta of 0.31, suggesting that its stock price is 69% less volatile than the S&P 500.

Summary

Plumas Bancorp beats Bank First on 14 of the 20 factors compared between the two stocks.