Comparing Albina Community Bancorp (OTCMKTS:ACBCQ) & Plumas Bancorp (NASDAQ:PLBC)

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

Earnings & Valuation

This table compares Plumas Bancorp and Albina Community Bancorp”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	3.82	$29.62 million	$5.08	12.11
Albina Community Bancorp	N/A	N/A	N/A	N/A	N/A

Plumas Bancorp has higher revenue and earnings than Albina Community Bancorp.

Institutional and Insider Ownership

41.7% of Plumas Bancorp shares are held by institutional investors. 7.4% of Plumas Bancorp shares are held by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term.

Analyst Recommendations

This is a breakdown of recent ratings and target prices for Plumas Bancorp and Albina Community Bancorp, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Plumas Bancorp	0	0	4	0	3.00
Albina Community Bancorp	0	0	0	0	0.00

Plumas Bancorp currently has a consensus price target of $66.33, suggesting a potential upside of 7.86%. Given Plumas Bancorp’s stronger consensus rating and higher possible upside, research analysts plainly believe Plumas Bancorp is more favorable than Albina Community Bancorp.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Plumas Bancorp	27.39%	15.41%	1.80%
Albina Community Bancorp	N/A	N/A	N/A

Summary

Plumas Bancorp beats Albina Community Bancorp on 9 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 Albina Community Bancorp

Albina Community Bancorp operates as a bank holding company for Albina Community Bank that provides various banking products and services in Portland. The company offers checking, savings, and money market deposit accounts, as well as certificates of deposits and individual retirement accounts. It also provides personal loans, home equity lines of credit, operating lines of credit, term loans, and commercial real estate loans; government guaranteed lending and accounts receivable financing; and credit cards. In addition, the company offers online banking and cash management, merchant, wire transfer, online bill payment, business payroll, deposit courier, night depository, automated customer, free cash withdrawals, and workplace banking services, as well as overdraft protection products. Albina Community Bancorp was incorporated in 1993 and is based in Portland, Oregon. On September 17, 2014, Albina Community Bancorp filed a voluntary petition for liquidation under Chapter 7 in the US Bankruptcy Court for the District of Oregon.