First National of Nebraska (OTCMKTS:FINN – Get Free Report) and Plumas Bancorp (NASDAQ:PLBC – Get Free Report) are both finance companies, but which is the superior stock? We will contrast the two companies based on the strength of their dividends, earnings, valuation, risk, profitability, institutional ownership and analyst recommendations.
Institutional & Insider Ownership
0.7% of First National of Nebraska shares are held by institutional investors. Comparatively, 41.7% of Plumas Bancorp shares are held by institutional investors. 41.7% of First National of Nebraska shares are held by insiders. Comparatively, 7.4% of Plumas Bancorp shares are held 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.
Profitability
This table compares First National of Nebraska and Plumas Bancorp’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| First National of Nebraska | N/A | N/A | N/A |
| Plumas Bancorp | 26.67% | 15.16% | 1.76% |
Analyst Recommendations
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| First National of Nebraska | 0 | 0 | 0 | 0 | 0.00 |
| Plumas Bancorp | 0 | 0 | 4 | 0 | 3.00 |
Plumas Bancorp has a consensus price target of $57.67, suggesting a potential downside of 1.99%. Given Plumas Bancorp’s stronger consensus rating and higher probable upside, analysts plainly believe Plumas Bancorp is more favorable than First National of Nebraska.
Valuation & Earnings
This table compares First National of Nebraska and Plumas Bancorp”s revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| First National of Nebraska | $3.35 billion | 1.49 | $532.96 million | N/A | N/A |
| Plumas Bancorp | $112.17 million | 3.66 | $29.62 million | $4.72 | 12.47 |
First National of Nebraska has higher revenue and earnings than Plumas Bancorp.
Dividends
First National of Nebraska pays an annual dividend of $160.00 per share and has a dividend yield of 0.9%. Plumas Bancorp pays an annual dividend of $1.32 per share and has a dividend yield of 2.2%. 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.
Volatility & Risk
First National of Nebraska has a beta of 0.18, suggesting that its stock price is 82% less volatile than the S&P 500. Comparatively, Plumas Bancorp has a beta of 0.62, suggesting that its stock price is 38% less volatile than the S&P 500.
Summary
Plumas Bancorp beats First National of Nebraska on 11 of the 15 factors compared between the two stocks.
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.
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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