Head-To-Head Comparison: Plumas Bancorp (NASDAQ:PLBC) vs. First Republic Bank (OTCMKTS:FRCB)

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

Analyst Recommendations

This is a breakdown of recent recommendations and price targets for Plumas Bancorp and First Republic Bank, as reported by MarketBeat.

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

Plumas Bancorp presently has a consensus target price of $57.67, indicating a potential downside of 2.47%. Given Plumas Bancorp’s stronger consensus rating and higher possible upside, equities analysts clearly believe Plumas Bancorp is more favorable than First Republic Bank.

Institutional and Insider Ownership

41.7% of Plumas Bancorp shares are owned by institutional investors. Comparatively, 0.0% of First Republic Bank shares are owned by institutional investors. 7.4% of Plumas Bancorp shares are owned by insiders. Comparatively, 0.7% of First Republic Bank shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.

Volatility & Risk

Plumas Bancorp has a beta of 0.59, indicating that its stock price is 41% less volatile than the S&P 500. Comparatively, First Republic Bank has a beta of 3.41, indicating that its stock price is 241% more volatile than the S&P 500.

Profitability

This table compares Plumas Bancorp and First Republic Bank’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 Republic Bank	N/A	N/A	N/A

Valuation & Earnings

This table compares Plumas Bancorp and First Republic Bank”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Plumas Bancorp	$112.17 million	3.67	$29.62 million	$4.72	12.53
First Republic Bank	N/A	N/A	N/A	$1.23	0.00

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

Summary

Plumas Bancorp beats First Republic Bank on 11 of the 12 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 Republic Bank

As of May 1, 2023, First Republic Bank went out of business. Previously, First Republic Bank provided private banking, private business banking, and private wealth management services to clients in metropolitan areas in the United States. The company was founded in 1985 and was headquartered in San Francisco, California. First Republic Bank now trades on OTCPK.