Banks - Regional
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Side-by-side financial analysisStock Comparison
PLBC vs BSVN vs HAFC vs BOKF vs CVBF vs KO
Revenue, margins, valuation, and 5-year total return — side by side.
Banks - Regional
Banks - Regional
Banks - Regional
Banks - Regional
Beverages - Non-Alcoholic
PLBC vs BSVN vs HAFC vs BOKF vs CVBF vs KO — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | ||||||
|---|---|---|---|---|---|---|
| Industry | Banks - Regional | Banks - Regional | Banks - Regional | Banks - Regional | Banks - Regional | Beverages - Non-Alcoholic |
| Market Cap | $398M | $446M | $949M | $8.18B | $2.88B | $355.61B |
| Revenue (TTM) | $112M | $137M | $444M | $3.33B | $644M | $49.28B |
| Net Income (TTM) | $30M | $43M | $76M | $578M | $209M | $13.70B |
| Gross Margin | 81.5% | 69.7% | 57.4% | 63.7% | 79.7% | 61.7% |
| Operating Margin | 35.4% | 41.4% | 24.3% | 21.4% | 43.7% | 29.3% |
| Forward P/E | 10.1x | 10.5x | 10.0x | 13.1x | 14.7x | 25.3x |
| Total Debt | $148M | $0.00 | $280M | $4.63B | $991M | $45.49B |
| Cash & Equiv. | $81M | $245M | $213M | $1.66B | $108M | $10.27B |
PLBC vs BSVN vs HAFC vs BOKF vs CVBF vs KO — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
| Stock | Jun 20 | Jun 26 | Return |
|---|---|---|---|
| Plumas Bancorp (PLBC) | 100 | 255.9 | +155.9% |
| Bank7 Corp. (BSVN) | 100 | 428.0 | +328.0% |
| Hanmi Financial Cor… (HAFC) | 100 | 327.0 | +227.0% |
| BOK Financial Corpo… (BOKF) | 100 | 238.5 | +138.5% |
| CVB Financial Corp. (CVBF) | 100 | 113.3 | +13.3% |
| The Coca-Cola Compa… (KO) | 100 | 184.9 | +84.9% |
Price return only. Dividends and distributions are not included.
Quick Verdict: PLBC vs BSVN vs HAFC vs BOKF vs CVBF vs KO
Each card shows where this stock fits in a portfolio — not just who wins on paper.
PLBC is the #2 pick in this set and the best alternative if long-term compounding is your priority.
- 5.7% 10Y total return vs BSVN's 169.2%
- 48.6% NII/revenue growth vs BSVN's -3.9%
BSVN ranks third and is worth considering specifically for income & stability and sleep-well-at-night.
- Dividend streak 7 yrs, beta 0.64, yield 2.1%
- Lower volatility, beta 0.64, current ratio 502.78x
- PEG 0.61 vs CVBF's 4.64
- Beta 0.64, yield 2.1%, current ratio 502.78x
HAFC is the clearest fit if your priority is growth exposure.
- Rev growth 3.5%, EPS growth 22.4%
- Lower P/E (10.0x vs 25.3x), PEG 0.79 vs 2.26
BOKF is the clearest fit if your priority is momentum.
- +42.7% vs CVBF's +16.3%
CVBF has the current edge in this matchup, primarily because of its strength in quality and dividends.
- 32.5% margin vs HAFC's 17.1%
- 3.8% yield, vs KO's 2.5%
KO is the clearest fit if your priority is efficiency.
- 13.1% ROA vs HAFC's 1.0%, ROIC 15.8% vs 7.4%
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | 48.6% NII/revenue growth vs BSVN's -3.9% | |
| Value | Lower P/E (10.0x vs 25.3x), PEG 0.79 vs 2.26 | |
| Quality / Margins | 32.5% margin vs HAFC's 17.1% | |
| Stability / Safety | Beta 0.64 vs BOKF's 0.87 | |
| Dividends | 3.8% yield, vs KO's 2.5% | |
| Momentum (1Y) | +42.7% vs CVBF's +16.3% | |
| Efficiency (ROA) | 13.1% ROA vs HAFC's 1.0%, ROIC 15.8% vs 7.4% |
PLBC vs BSVN vs HAFC vs BOKF vs CVBF vs KO — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Segment breakdown not available.
PLBC vs BSVN vs HAFC vs BOKF vs CVBF vs KO — Financial Metrics
Side-by-side numbers across 6 stocks — who leads on profitability, valuation, growth, and risk.
Who Leads Where
HAFC leads in 1 of 6 categories
KO leads 1 • PLBC leads 0 • BSVN leads 0 • BOKF leads 0 • CVBF leads 0 • 4 tied
Explore the data ↓Income & Cash Flow (Last 12 Months)
Evenly matched — PLBC and CVBF each lead in 2 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
KO is the larger business by revenue, generating $49.3B annually — 440.1x PLBC's $112M. CVBF is the more profitable business, keeping 32.5% of every revenue dollar as net income compared to HAFC's 17.1%.
| Metric | ||||||
|---|---|---|---|---|---|---|
| RevenueTrailing 12 months | $112M | $137M | $444M | $3.3B | $644M | $49.3B |
| EBITDAEarnings before interest/tax | $41M | $58M | $110M | $794M | $294M | $15.5B |
| Net IncomeAfter-tax profit | $30M | $43M | $76M | $578M | $209M | $13.7B |
| Free Cash FlowCash after capex | $20M | $36M | $204M | $1.7B | $217M | $12.6B |
| Gross MarginGross profit ÷ Revenue | +81.5% | +69.7% | +57.4% | +63.7% | +79.7% | +61.7% |
| Operating MarginEBIT ÷ Revenue | +35.4% | +41.4% | +24.3% | +21.4% | +43.7% | +29.3% |
| Net MarginNet income ÷ Revenue | +26.4% | +31.4% | +17.1% | +17.4% | +32.5% | +27.8% |
| FCF MarginFCF ÷ Revenue | +18.1% | +26.4% | +45.8% | +51.4% | +33.7% | +25.5% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — | — | — | — | +12.1% |
| EPS Growth (YoY)Latest quarter vs prior year | +20.9% | -3.4% | +20.7% | +1.8% | +11.1% | +18.2% |
Valuation Metrics
HAFC leads this category, winning 4 of 7 comparable metrics.
Valuation Metrics
At 10.3x trailing earnings, BSVN trades at a 62% valuation discount to KO's 27.2x P/E. Adjusting for growth (PEG ratio), BSVN offers better value at 0.61x vs CVBF's 4.40x — a lower PEG means you pay less per unit of expected earnings growth.
| Metric | ||||||
|---|---|---|---|---|---|---|
| Market CapShares × price | $398M | $446M | $949M | $8.2B | $2.9B | $355.6B |
| Enterprise ValueMkt cap + debt − cash | $466M | $202M | $1.0B | $11.2B | $3.8B | $390.8B |
| Trailing P/EPrice ÷ TTM EPS | 12.47x | 10.33x | 12.65x | 14.66x | 13.97x | 27.18x |
| Forward P/EPrice ÷ next-FY EPS est. | 10.06x | 10.46x | 10.05x | 13.09x | 14.74x | 25.27x |
| PEG RatioP/E ÷ EPS growth rate | 1.20x | 0.61x | 1.00x | 1.79x | 4.40x | 2.43x |
| EV / EBITDAEnterprise value multiple | 11.76x | 3.48x | 8.95x | 14.05x | 13.37x | 26.39x |
| Price / SalesMarket cap ÷ Revenue | 3.68x | 3.25x | 2.13x | 2.46x | 4.48x | 7.42x |
| Price / BookPrice ÷ Book value/share | 1.41x | 1.77x | 1.20x | 1.39x | 1.26x | 10.40x |
| Price / FCFMarket cap ÷ FCF | 19.64x | 10.78x | 4.66x | 14.22x | 13.26x | 67.15x |
Profitability & Efficiency
KO leads this category, winning 4 of 9 comparable metrics.
Profitability & Efficiency
KO delivers a 41.1% return on equity — every $100 of shareholder capital generates $41 in annual profit, vs $9 for CVBF. HAFC carries lower financial leverage with a 0.35x debt-to-equity ratio, signaling a more conservative balance sheet compared to KO's 1.33x. On the Piotroski fundamental quality scale (0–9), HAFC scores 9/9 vs PLBC's 3/9, reflecting strong financial health.
| Metric | ||||||
|---|---|---|---|---|---|---|
| ROE (TTM)Return on equity | +13.3% | +18.2% | +9.8% | +9.8% | +9.3% | +41.1% |
| ROA (TTM)Return on assets | +1.5% | +2.3% | +1.0% | +1.1% | +1.4% | +13.1% |
| ROICReturn on invested capital | +9.2% | +18.3% | +7.4% | +5.2% | +6.8% | +15.8% |
| ROCEReturn on capital employed | +14.1% | +5.2% | +2.5% | +8.4% | +9.3% | +17.3% |
| Piotroski ScoreFundamental quality 0–9 | 3 | 5 | 9 | 7 | 6 | 7 |
| Debt / EquityFinancial leverage | 0.57x | — | 0.35x | 0.78x | 0.43x | 1.33x |
| Net DebtTotal debt minus cash | $67M | -$245M | $68M | $3.0B | $883M | $35.2B |
| Cash & Equiv.Liquid assets | $81M | $245M | $213M | $1.7B | $108M | $10.3B |
| Total DebtShort + long-term debt | $148M | $0 | $280M | $4.6B | $991M | $45.5B |
| Interest CoverageEBIT ÷ Interest expense | 2.85x | 1.39x | 0.62x | 0.59x | 2.12x | 10.70x |
Total Returns (Dividends Reinvested)
Evenly matched — PLBC and HAFC each lead in 2 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in BSVN five years ago would be worth $28,907 today (with dividends reinvested), compared to $11,522 for CVBF. Over the past 12 months, BOKF leads with a +42.7% total return vs CVBF's +16.3%. The 3-year compound annual growth rate (CAGR) favors HAFC at 29.3% vs KO's 13.7% — a key indicator of consistent wealth creation.
| Metric | ||||||
|---|---|---|---|---|---|---|
| YTD ReturnYear-to-date | +30.3% | +13.0% | +20.3% | +14.5% | +14.8% | +20.3% |
| 1-Year ReturnPast 12 months | +31.1% | +20.3% | +39.4% | +42.7% | +16.3% | +17.2% |
| 3-Year ReturnCumulative with dividends | +62.0% | +97.2% | +116.0% | +60.8% | +64.4% | +47.0% |
| 5-Year ReturnCumulative with dividends | +110.2% | +189.1% | +80.5% | +66.5% | +15.2% | +65.6% |
| 10-Year ReturnCumulative with dividends | +574.9% | +169.2% | +73.3% | +159.2% | +66.9% | +121.1% |
| CAGR (3Y)Annualised 3-year return | +17.5% | +25.4% | +29.3% | +17.2% | +18.0% | +13.7% |
Risk & Volatility
Evenly matched — HAFC and KO each lead in 1 of 2 comparable metrics.
Risk & Volatility
KO is the less volatile stock with a -0.20 beta — it tends to amplify market swings less than BOKF's 0.87 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. HAFC currently trades 99.6% from its 52-week high vs BSVN's 92.8% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | ||||||
|---|---|---|---|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.71x | 0.64x | 0.82x | 0.87x | 0.81x | -0.20x |
| 52-Week HighHighest price in past year | $57.00 | $50.10 | $31.87 | $139.73 | $21.48 | $84.04 |
| 52-Week LowLowest price in past year | $39.70 | $37.56 | $22.00 | $91.35 | $17.95 | $65.35 |
| % of 52W HighCurrent price vs 52-week peak | +99.3% | +92.8% | +99.6% | +96.3% | +98.8% | +98.3% |
| RSI (14)Momentum oscillator 0–100 | 70.4 | 62.6 | 62.5 | 56.4 | 60.1 | 60.6 |
| Avg Volume (50D)Average daily shares traded | 56K | 11K | 203K | 262K | 1.6M | 12.7M |
Analyst Outlook
Evenly matched — CVBF and KO each lead in 1 of 2 comparable metrics.
Analyst Outlook
Analyst consensus: PLBC as "Buy", BSVN as "Buy", HAFC as "Hold", BOKF as "Hold", CVBF as "Hold", KO as "Buy". Consensus price targets imply 22.6% upside for BSVN (target: $57) vs -1.9% for BOKF (target: $132). For income investors, CVBF offers the higher dividend yield at 3.85% vs BOKF's 1.80%.
| Metric | ||||||
|---|---|---|---|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Buy | Hold | Hold | Hold | Buy |
| Price TargetConsensus 12-month target | $61.50 | $57.00 | $33.50 | $132.00 | $24.75 | $86.13 |
| # AnalystsCovering analysts | 3 | 3 | 11 | 21 | 16 | 48 |
| Dividend YieldAnnual dividend ÷ price | +2.1% | +2.1% | +3.4% | +1.8% | +3.8% | +2.5% |
| Dividend StreakConsecutive years of raises | 5 | 7 | 1 | 21 | 0 | 56 |
| Dividend / ShareAnnual DPS | $1.18 | $0.98 | $1.09 | $2.42 | $0.82 | $2.04 |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | +0.3% | +1.0% | +5.1% | +2.8% | +0.2% |
HAFC leads in 1 of 6 categories (Valuation Metrics). KO leads in 1 (Profitability & Efficiency). 4 tied.
PLBC vs BSVN vs HAFC vs BOKF vs CVBF vs KO: Key Questions Answered
10 questions · data-driven answers · updated daily
01Is PLBC or BSVN or HAFC or BOKF or CVBF or KO a better buy right now?
For growth investors, Plumas Bancorp (PLBC) is the stronger pick with 48.
6% revenue growth year-over-year, versus -3. 9% for Bank7 Corp. (BSVN). Bank7 Corp. (BSVN) offers the better valuation at 10. 3x trailing P/E (10. 5x forward), making it the more compelling value choice. Analysts rate Plumas Bancorp (PLBC) a "Buy" — based on 3 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — PLBC or BSVN or HAFC or BOKF or CVBF or KO?
On trailing P/E, Bank7 Corp.
(BSVN) is the cheapest at 10. 3x versus The Coca-Cola Company at 27. 2x. On forward P/E, Hanmi Financial Corporation is actually cheaper at 10. 0x — notably different from the trailing picture, reflecting expected earnings growth. The PEG ratio (P/E divided by earnings growth rate) is the most growth-adjusted single valuation metric: Bank7 Corp. wins at 0. 61x versus CVB Financial Corp. 's 4. 64x — a PEG below 1. 0 traditionally signals the market is underpricing earnings growth.
03Which is the better long-term investment — PLBC or BSVN or HAFC or BOKF or CVBF or KO?
Over the past 5 years, Bank7 Corp.
(BSVN) delivered a total return of +189. 1%, compared to +15. 2% for CVB Financial Corp. (CVBF). Over 10 years, the gap is even starker: PLBC returned +574. 9% versus CVBF's +66. 9%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — PLBC or BSVN or HAFC or BOKF or CVBF or KO?
By beta (market sensitivity over 5 years), The Coca-Cola Company (KO) is the lower-risk stock at -0.
20β versus BOK Financial Corporation's 0. 87β — meaning BOKF is approximately -534% more volatile than KO relative to the S&P 500. On balance sheet safety, Hanmi Financial Corporation (HAFC) carries a lower debt/equity ratio of 35% versus 133% for The Coca-Cola Company — giving it more financial flexibility in a downturn.
05Which is growing faster — PLBC or BSVN or HAFC or BOKF or CVBF or KO?
By revenue growth (latest reported year), Plumas Bancorp (PLBC) is pulling ahead at 48.
6% versus -3. 9% for Bank7 Corp. (BSVN). On earnings-per-share growth, the picture is similar: The Coca-Cola Company grew EPS 23. 6% year-over-year, compared to -7. 0% for Bank7 Corp.. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — PLBC or BSVN or HAFC or BOKF or CVBF or KO?
CVB Financial Corp.
(CVBF) is the more profitable company, earning 32. 5% net margin versus 17. 1% for Hanmi Financial Corporation — meaning it keeps 32. 5% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: CVBF leads at 43. 8% versus 21. 4% for BOKF. At the gross margin level — before operating expenses — PLBC leads at 80. 9%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is PLBC or BSVN or HAFC or BOKF or CVBF or KO more undervalued right now?
The PEG ratio (forward P/E divided by expected earnings growth rate) is the most precise measure of undervaluation relative to growth potential.
By this metric, Bank7 Corp. (BSVN) is the more undervalued stock at a PEG of 0. 61x versus CVB Financial Corp. 's 4. 64x. A PEG below 1. 0 is traditionally considered the threshold for growth-adjusted undervaluation. On forward earnings alone, Hanmi Financial Corporation (HAFC) trades at 10. 0x forward P/E versus 25. 3x for The Coca-Cola Company — 15. 2x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for BSVN: 22. 6% to $57. 00.
08Which pays a better dividend — PLBC or BSVN or HAFC or BOKF or CVBF or KO?
All stocks in this comparison pay dividends.
CVB Financial Corp. (CVBF) offers the highest yield at 3. 8%, versus 1. 8% for BOK Financial Corporation (BOKF).
09Is PLBC or BSVN or HAFC or BOKF or CVBF or KO better for a retirement portfolio?
For long-horizon retirement investors, The Coca-Cola Company (KO) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β -0.
20), 2. 5% yield, +121. 1% 10Y return). Both have compounded well over 10 years (KO: +121. 1%, HAFC: +73. 3%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between PLBC and BSVN and HAFC and BOKF and CVBF and KO?
These companies operate in different sectors (PLBC (Financial Services) and BSVN (Financial Services) and HAFC (Financial Services) and BOKF (Financial Services) and CVBF (Financial Services) and KO (Consumer Defensive)), which means they face different economic cycles, regulatory environments, and macro sensitivities — making direct comparison nuanced.
In terms of investment character: PLBC is a small-cap high-growth stock; BSVN is a small-cap deep-value stock; HAFC is a small-cap deep-value stock; BOKF is a small-cap deep-value stock; CVBF is a small-cap deep-value stock; KO is a large-cap quality compounder stock. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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