Plumas Bancorp (PLBC)vsU.S. Bancorp (USB)
PLBC
Plumas Bancorp
$48.88
+0.27%
FINANCIAL SERVICES · Cap: $339.25M
USB
U.S. Bancorp
$51.89
-0.48%
FINANCIAL SERVICES · Cap: $81.01B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 28719% more annual revenue ($26.35B vs $91.45M). PLBC leads profitability with a 32.4% profit margin vs 28.7%. PLBC appears more attractively valued with a PEG of 1.49. USB earns a higher WallStSmart Score of 75/100 (B).
PLBC
Strong Buy69
out of 100
Grade: B-
USB
Strong Buy75
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+69.3%
Fair Value
$170.34
Current Price
$48.88
$121.46 discount
Margin of Safety
+75.8%
Fair Value
$214.00
Current Price
$51.89
$162.11 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 32 of every $100 in revenue as profit
Strong operational efficiency at 37.9%
Conservative balance sheet, low leverage
Generating 25.0B in free cash flow
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 39.3%
Large-cap with strong market position
Keeps 29 of every $100 in revenue as profit
Earnings expanding 24.7% YoY
Areas to Watch
Smaller company, higher risk/reward
Weak financial health signals
Expensive relative to growth rate
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : PLBC
The strongest argument for PLBC centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 32.4% and operating margin at 37.9%. PEG of 1.49 suggests the stock is reasonably priced for its growth.
Bull Case : USB
The strongest argument for USB centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 28.7% and operating margin at 39.3%.
Bear Case : PLBC
The primary concerns for PLBC are Market Cap, Piotroski F-Score.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Altman Z-Score.
Key Dynamics to Monitor
USB carries more volatility with a beta of 1.04 — expect wider price swings.
PLBC is growing revenue faster at 7.4% — sustainability is the question.
PLBC generates stronger free cash flow (25.0B), providing more financial flexibility.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
USB scores higher overall (75/100 vs 69/100), backed by strong 28.7% margins. PLBC offers better value entry with a 69.3% margin of safety. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Plumas Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Plumas Bancorp is the banking holding company for Plumas Bank offering various banking products and services to small and medium-sized businesses and individuals in Northeast California and Northwest Nevada. The company is headquartered in Reno, Nevada.
Visit Website →U.S. Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
U.S. Bancorp is an American bank holding company based in Minneapolis, Minnesota, and incorporated in Delaware. The company provides banking, investment, mortgage, trust, and payment services products to individuals, businesses, governmental entities, and other financial institutions.
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