California First Leasing (OTCMKTS:CFNB – Get Free Report) and Plumas Bancorp (NASDAQ:PLBC – Get Free Report) are both small-cap finance companies, but which is the superior stock? We will contrast the two businesses based on the strength of their dividends, institutional ownership, earnings, valuation, profitability, analyst recommendations and risk.
Risk and Volatility
California First Leasing has a beta of 0.3, indicating that its stock price is 70% less volatile than the S&P 500. Comparatively, Plumas Bancorp has a beta of 0.62, indicating that its stock price is 38% less volatile than the S&P 500.
Analyst Recommendations
This is a summary of current ratings and target prices for California First Leasing and Plumas Bancorp, as reported by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| California First Leasing | 0 | 0 | 0 | 0 | 0.00 |
| Plumas Bancorp | 0 | 0 | 4 | 0 | 3.00 |
Institutional & Insider Ownership
6.5% of California First Leasing shares are held by institutional investors. Comparatively, 41.7% of Plumas Bancorp shares are held by institutional investors. 92.2% of California First Leasing shares are held by insiders. Comparatively, 7.4% of Plumas Bancorp shares are held 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.
Profitability
This table compares California First Leasing and Plumas Bancorp’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| California First Leasing | N/A | N/A | N/A |
| Plumas Bancorp | 26.67% | 15.16% | 1.76% |
Dividends
California First Leasing pays an annual dividend of $0.40 per share and has a dividend yield of 1.2%. Plumas Bancorp pays an annual dividend of $1.32 per share and has a dividend yield of 2.3%. Plumas Bancorp pays out 28.0% of its earnings in the form of a dividend. Plumas Bancorp has raised 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.
Valuation & Earnings
This table compares California First Leasing and Plumas Bancorp”s top-line revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| California First Leasing | $30.12 million | 10.12 | N/A | N/A | N/A |
| Plumas Bancorp | $112.17 million | 3.52 | $29.62 million | $4.72 | 11.99 |
Plumas Bancorp has higher revenue and earnings than California First Leasing.
Summary
Plumas Bancorp beats California First Leasing on 11 of the 14 factors compared between the two stocks.
About California First Leasing
California First Leasing Corporation provides loans and lease financing for universities, businesses, and other commercial or non-profit organizations. The company was formerly known as California First National Bancorp and changed its name to California First Leasing Corporation in February 2021. California First Leasing Corporation was founded in 1977 and is based in Newport Beach, California.
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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