Glacier Bancorp (NYSE:GBCI – Get Free Report) and Plumas Bancorp (NASDAQ:PLBC – Get Free Report) are both finance companies, but which is the better investment? We will compare the two businesses based on the strength of their dividends, risk, earnings, profitability, institutional ownership, valuation and analyst recommendations.
Earnings and Valuation
This table compares Glacier Bancorp and Plumas Bancorp”s revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Glacier Bancorp | $1.44 billion | 4.58 | $239.03 million | $1.99 | 25.48 |
| Plumas Bancorp | $112.17 million | 3.11 | $29.62 million | $4.54 | 11.04 |
Risk & Volatility
Glacier Bancorp has a beta of 0.75, suggesting that its stock price is 25% less volatile than the S&P 500. Comparatively, Plumas Bancorp has a beta of 0.6, suggesting that its stock price is 40% less volatile than the S&P 500.
Dividends
Glacier Bancorp pays an annual dividend of $1.32 per share and has a dividend yield of 2.6%. Plumas Bancorp pays an annual dividend of $1.20 per share and has a dividend yield of 2.4%. Glacier Bancorp pays out 66.3% of its earnings in the form of a dividend. Plumas Bancorp pays out 26.4% 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 has increased its dividend for 1 consecutive years.
Analyst Recommendations
This is a summary of current recommendations and price targets for Glacier Bancorp and Plumas Bancorp, as provided by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Glacier Bancorp | 0 | 1 | 2 | 1 | 3.00 |
| Plumas Bancorp | 0 | 0 | 3 | 0 | 3.00 |
Glacier Bancorp currently has a consensus price target of $56.50, indicating a potential upside of 11.44%. Plumas Bancorp has a consensus price target of $55.50, indicating a potential upside of 10.76%. Given Glacier Bancorp’s higher probable upside, equities analysts plainly believe Glacier Bancorp is more favorable than Plumas Bancorp.
Insider & Institutional Ownership
80.2% of Glacier Bancorp shares are held by institutional investors. Comparatively, 41.7% of Plumas Bancorp shares are held by institutional investors. 0.5% of Glacier Bancorp shares are held by company insiders. Comparatively, 7.7% of Plumas Bancorp shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.
Profitability
This table compares Glacier Bancorp and Plumas Bancorp’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Glacier Bancorp | 16.63% | 6.68% | 0.83% |
| Plumas Bancorp | 26.40% | 16.28% | 1.86% |
Summary
Glacier Bancorp beats Plumas Bancorp on 9 of the 17 factors compared between the two stocks.
About Glacier Bancorp
Glacier Bancorp, Inc. operates as the bank holding company for Glacier Bank that provides commercial banking services to individuals, small to medium-sized businesses, community organizations, and public entities in the United States. It offers non-interest bearing deposit and interest bearing deposit accounts, such as negotiable order of withdrawal and demand deposit accounts, savings accounts, money market deposit accounts, fixed rate certificates of deposit, negotiated-rate jumbo certificates, and individual retirement accounts. The company also provides construction and permanent loans on residential real estate; consumer land or lot acquisition loans; unimproved land and land development loans; and residential builder guidance lines comprising pre-sold and spec-home construction, and lot acquisition loans. In addition, it offers commercial real estate loans to purchase, construct, and finance commercial real estate properties; consumer loans secured by real estate, automobiles, or other assets; paycheck protection program loans; home equity loans consisting of junior lien mortgages, and first and junior lien lines of credit secured by owner-occupied 1-4 family residences; and agriculture loans. Further, the company provides mortgage origination and loan servicing services. It has 224 locations, including 188 branches and 36 loan or administration offices in 75 counties within 8 states comprising Montana, Idaho, Utah, Washington, Wyoming, Colorado, Arizona, and Nevada. The company was founded in 1955 and is headquartered in Kalispell, Montana.
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.
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