Financial Review: Plumas Bancorp (NASDAQ:PLBC) versus First National of Nebraska (OTCMKTS:FINN)

Plumas Bancorp (NASDAQ:PLBC) and First National of Nebraska (OTCMKTS:FINN) are both finance companies, but which is the better investment? We will compare the two companies based on the strength of their analyst recommendations, valuation, profitability, dividends, earnings, institutional ownership and risk.

Risk and Volatility

Plumas Bancorp has a beta of 0.59, suggesting that its stock price is 41% less volatile than the S&P 500. Comparatively, First National of Nebraska has a beta of 0.16, suggesting that its stock price is 84% less volatile than the S&P 500.

Institutional & Insider Ownership

41.7% of Plumas Bancorp shares are owned by institutional investors. Comparatively, 0.7% of First National of Nebraska shares are owned by institutional investors. 7.4% of Plumas Bancorp shares are owned by insiders. Comparatively, 41.7% of First National of Nebraska shares are owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock will outperform the market over the long term.

Earnings & Valuation

This table compares Plumas Bancorp and First National of Nebraska”s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Plumas Bancorp	$112.17 million	3.74	$29.62 million	$4.72	12.77
First National of Nebraska	$3.35 billion	1.50	$532.96 million	N/A	N/A

First National of Nebraska has higher revenue and earnings than Plumas Bancorp.

Profitability

This table compares Plumas Bancorp and First National of Nebraska’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Plumas Bancorp	26.67%	15.16%	1.76%
First National of Nebraska	N/A	N/A	N/A

Analyst Recommendations

This is a breakdown of current ratings for Plumas Bancorp and First National of Nebraska, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Plumas Bancorp	0	0	3	0	3.00
First National of Nebraska	0	0	0	0	0.00

Plumas Bancorp presently has a consensus target price of $61.50, indicating a potential upside of 2.06%. Given Plumas Bancorp’s stronger consensus rating and higher probable upside, equities research analysts plainly believe Plumas Bancorp is more favorable than First National of Nebraska.

Dividends

Plumas Bancorp pays an annual dividend of $1.32 per share and has a dividend yield of 2.2%. First National of Nebraska pays an annual dividend of $160.00 per share and has a dividend yield of 0.9%. Plumas Bancorp pays out 28.0% of its earnings in the form of a dividend. Plumas Bancorp has increased its dividend for 1 consecutive years. Plumas Bancorp is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Summary

Plumas Bancorp beats First National of Nebraska on 11 of the 15 factors compared between the two stocks.

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.

About First National of Nebraska

First National of Nebraska, Inc. operates as the bank holding company for First National Bank of Omaha that provides various banking products and services. The company offers checking, savings, and individual retirement accounts; certificates of deposit; and credit cards. It also provides personal loans and lines of credit; auto loans; mortgage loans; home equity lines of credit and loans; small business loans and lines of credit; small business administration loans; and commercial lending solutions. In addition, the company offers treasury management, debt consolidation, financial planning, retirement planning, wealth management, merchant, and payroll services; and personal, commercial, and farm insurance products. Further, it provides solutions for agribusiness, commercial real estate, healthcare, transportation, and correspondent banking; investment services, such as capital market and institutional asset management; and digital banking services. First National of Nebraska, Inc. was founded in 1857 and is headquartered in Omaha, Nebraska.