Citizens Financial Services vs Plumas Bancorp
Citizens Financial Services and Plumas Bancorp are similar in size: $112m and $98.3m of revenue in their latest fiscal years. Plumas Bancorp grew faster (19.2% against 10.3%). Citizens Financial Services kept more of each dollar of sales as profit: a net margin of 32.6% against 30.1%.
| Latest fiscal year | Citizens Financial ServicesCZFS, 2025 | Plumas BancorpPLBC, 2025 |
|---|---|---|
| Revenue | $112m | $98.3m |
| Revenue growth | 10.3% | 19.2% |
| Net income | $36.6m | $29.6m |
| Operating margin | — | — |
| Net margin | 32.6% | 30.1% |
| Return on equity | 11.5% | 13.5% |
| Free cash flow | $35.2m | $20.3m |
| Cash | $34.3m | $80.6m |
| Total debt | $309m | $0 |
| Debt to equity | — | — |
| Dividend per share | $1.98 | $1.20 |
| Dividend yield | 2.3% | 2.0% |
| Share buybacks | $358,000 | — |
| Employees | 405 | — |
| Market value | $413m | $449m |
| Price vs our value range | — | — |
| Moat score | 60 (Moderate) | 78 (Strong) |
| Insider trades, 12 months | 10 buys, 3 sales | 0 buys, 0 sales |