CarePayment Technologies (OTCMKTS:CPYT – Get Free Report) and Plumas Bancorp (NASDAQ:PLBC – Get Free Report) are both small-cap medical companies, but which is the superior investment? We will contrast the two businesses based on the strength of their analyst recommendations, institutional ownership, profitability, valuation, dividends, earnings and risk.
Analyst Recommendations
This is a summary of recent ratings and price targets for CarePayment Technologies and Plumas Bancorp, as reported by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| CarePayment Technologies | 0 | 0 | 0 | 0 | N/A |
| Plumas Bancorp | 0 | 0 | 1 | 0 | 3.00 |
Plumas Bancorp has a consensus price target of $38.00, indicating a potential upside of 6.32%. Given Plumas Bancorp’s higher probable upside, analysts plainly believe Plumas Bancorp is more favorable than CarePayment Technologies.
Profitability
| Net Margins | Return on Equity | Return on Assets | |
| CarePayment Technologies | N/A | N/A | N/A |
| Plumas Bancorp | 36.42% | 24.30% | 1.83% |
Valuation & Earnings
This table compares CarePayment Technologies and Plumas Bancorp’s top-line revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| CarePayment Technologies | N/A | N/A | N/A | N/A | N/A |
| Plumas Bancorp | $70.81 million | 2.96 | $26.44 million | $4.95 | 7.22 |
Plumas Bancorp has higher revenue and earnings than CarePayment Technologies.
Volatility & Risk
CarePayment Technologies has a beta of -0.51, meaning that its share price is 151% less volatile than the S&P 500. Comparatively, Plumas Bancorp has a beta of 0.68, meaning that its share price is 32% less volatile than the S&P 500.
Insider & Institutional Ownership
38.4% of Plumas Bancorp shares are owned by institutional investors. 13.9% of CarePayment Technologies shares are owned by insiders. Comparatively, 8.8% of Plumas Bancorp shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.
Summary
Plumas Bancorp beats CarePayment Technologies on 8 of the 9 factors compared between the two stocks.
About CarePayment Technologies
CarePayment Technologies, Inc. provides accounts receivable services in the United States. It offers services for accounts receivables generated by healthcare providers in connection with providing healthcare services to their patients under the CarePayment brand name. The company was formerly known as microHelix, Inc. CarePayment Technologies, Inc. was founded in 1991 and is based in Lake Oswego, Oregon.
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 includes 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 incorporated in 1980 and is headquartered in Reno, Nevada.
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