City Bank (OTCMKTS:CTBK) and Plumas Bancorp (NASDAQ:PLBC) Critical Comparison

Plumas Bancorp (NASDAQ:PLBC) and City Bank (OTCMKTS:CTBK) are both finance companies, but which is the better business? We will compare the two businesses based on the strength of their dividends, earnings, valuation, analyst recommendations, profitability, institutional ownership and risk.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Plumas Bancorp	25.80%	16.52%	1.89%
City Bank	N/A	N/A	N/A

Valuation and Earnings

This table compares Plumas Bancorp and City Bank”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	$90.58 million	3.19	$28.62 million	$4.27	9.73
City Bank	N/A	N/A	N/A	N/A	N/A

Plumas Bancorp has higher revenue and earnings than City Bank.

Analyst Ratings

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

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Plumas Bancorp	0	0	4	0	3.00
City Bank	0	0	0	0	0.00

Plumas Bancorp currently has a consensus target price of $57.00, indicating a potential upside of 37.25%. Given Plumas Bancorp’s stronger consensus rating and higher probable upside, equities analysts clearly believe Plumas Bancorp is more favorable than City Bank.

Insider & Institutional Ownership

41.7% of Plumas Bancorp shares are owned by institutional investors. 7.7% of Plumas Bancorp shares are owned by insiders. Comparatively, 37.5% of City Bank shares are owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.

Summary

Plumas Bancorp beats City Bank on 8 of the 9 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 City Bank

As of April 17, 2010, City Bank was acquired by Whidbey Island Bank. City Bank offers commercial banking services. The company was incorporated in 1974 and is headquartered in Lynnwood, Washington.