Summit State Bank (SSBI) Competitors

Plumas Bancorp (NASDAQ:PLBC) and Summit State Bank (NASDAQ:SSBI) are both small-cap finance companies, but which is the better business? We will compare the two companies based on the strength of their dividends, institutional ownership, profitability, media sentiment, analyst recommendations, earnings, valuation and risk.

Which has higher earnings & valuation, PLBC or SSBI?

Plumas Bancorp has higher revenue and earnings than Summit State Bank. Summit State 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.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Plumas Bancorp	$93.11M	2.93	$28.62M	$4.94	9.31
Summit State Bank	$33.12M	2.27	-$3.66M	-$0.38	-29.18

Which has more volatility & risk, PLBC or SSBI?

Plumas Bancorp has a beta of 0.61, indicating that its share price is 39% less volatile than the S&P 500. Comparatively, Summit State Bank has a beta of 0.18, indicating that its share price is 82% less volatile than the S&P 500.

Does the media favor PLBC or SSBI?

In the previous week, Plumas Bancorp had 4 more articles in the media than Summit State Bank. MarketBeat recorded 5 mentions for Plumas Bancorp and 1 mentions for Summit State Bank. Plumas Bancorp's average media sentiment score of 0.51 beat Summit State Bank's score of 0.00 indicating that Plumas Bancorp is being referred to more favorably in the media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Plumas Bancorp	0 Very Positive mention(s)	1 Positive mention(s)	3 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive
Summit State Bank	0 Very Positive mention(s)	0 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Neutral

Do insiders and institutionals have more ownership in PLBC or SSBI?

41.7% of Plumas Bancorp shares are held by institutional investors. 9.0% of Plumas Bancorp shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.

Is PLBC or SSBI more profitable?

Plumas Bancorp has a net margin of 31.18% compared to Summit State Bank's net margin of -4.08%. Plumas Bancorp's return on equity of 16.58% beat Summit State Bank's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Plumas Bancorp	31.18%	16.58%	1.80%
Summit State Bank	-4.08%	N/A	N/A

Do analysts rate PLBC or SSBI?

Plumas Bancorp currently has a consensus price target of $56.33, suggesting a potential upside of 22.52%. Given Plumas Bancorp's stronger consensus rating and higher possible upside, analysts clearly believe Plumas Bancorp is more favorable than Summit State Bank.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Plumas Bancorp	0 Sell rating(s)	0 Hold rating(s)	3 Buy rating(s)	0 Strong Buy rating(s)	3.00
Summit State Bank	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	0.00

Is PLBC or SSBI a better dividend stock?

Plumas Bancorp pays an annual dividend of $1.20 per share and has a dividend yield of 2.6%. Summit State Bank pays an annual dividend of $0.16 per share and has a dividend yield of 1.4%. Plumas Bancorp pays out 24.3% of its earnings in the form of a dividend. Summit State Bank pays out -42.1% 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 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.

Summary

Plumas Bancorp beats Summit State Bank on 18 of the 19 factors compared between the two stocks.