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PLUMAS BANCORP (PLBC) Stock Fundamental Analysis

USA - NASDAQ:PLBC - US7292731020 - Common Stock

41.31 USD
-0.12 (-0.29%)
Last: 10/22/2025, 8:00:00 PM
Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to PLBC. PLBC was compared to 391 industry peers in the Banks industry. There are concerns on the financial health of PLBC while its profitability can be described as average. PLBC has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

PLBC had positive earnings in the past year.
PLBC had a positive operating cash flow in the past year.
PLBC had positive earnings in each of the past 5 years.
Of the past 5 years PLBC 4 years had a positive operating cash flow.
PLBC Yearly Net Income VS EBIT VS OCF VS FCFPLBC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M 40M

1.2 Ratios

Looking at the Return On Assets, with a value of 1.79%, PLBC belongs to the top of the industry, outperforming 95.14% of the companies in the same industry.
Looking at the Return On Equity, with a value of 15.06%, PLBC belongs to the top of the industry, outperforming 93.09% of the companies in the same industry.
Industry RankSector Rank
ROA 1.79%
ROE 15.06%
ROIC N/A
ROA(3y)1.75%
ROA(5y)1.57%
ROE(3y)19.51%
ROE(5y)17.73%
ROIC(3y)N/A
ROIC(5y)N/A
PLBC Yearly ROA, ROE, ROICPLBC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20

1.3 Margins

The Profit Margin of PLBC (34.39%) is better than 90.79% of its industry peers.
PLBC's Profit Margin has been stable in the last couple of years.
The Operating Margin and Gross Margin are not available for PLBC so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 34.39%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-2.77%
PM growth 5Y0.45%
GM growth 3YN/A
GM growth 5YN/A
PLBC Yearly Profit, Operating, Gross MarginsPLBC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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3

2. Health

2.1 Basic Checks

PLBC does not have a ROIC to compare to the WACC, probably because it is not profitable.
PLBC has more shares outstanding than it did 1 year ago.
The number of shares outstanding for PLBC has been increased compared to 5 years ago.
PLBC has a better debt/assets ratio than last year.
PLBC Yearly Shares OutstandingPLBC Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1M 2M 3M 4M 5M
PLBC Yearly Total Debt VS Total AssetsPLBC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B

2.2 Solvency

The Debt to FCF ratio of PLBC is 1.18, which is an excellent value as it means it would take PLBC, only 1.18 years of fcf income to pay off all of its debts.
PLBC has a Debt to FCF ratio of 1.18. This is in the better half of the industry: PLBC outperforms 64.71% of its industry peers.
PLBC has a Debt/Equity ratio of 0.16. This is a healthy value indicating a solid balance between debt and equity.
PLBC has a Debt to Equity ratio (0.16) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.16
Debt/FCF 1.18
Altman-Z N/A
ROIC/WACCN/A
WACC8.58%
PLBC Yearly LT Debt VS Equity VS FCFPLBC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M 100M 150M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
PLBC Yearly Current Assets VS Current LiabilitesPLBC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M

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5

3. Growth

3.1 Past

The earnings per share for PLBC have decreased strongly by -10.48% in the last year.
The Earnings Per Share has been growing by 10.06% on average over the past years. This is quite good.
Looking at the last year, PLBC shows a quite strong growth in Revenue. The Revenue has grown by 11.75% in the last year.
Measured over the past years, PLBC shows a quite strong growth in Revenue. The Revenue has been growing by 12.53% on average per year.
EPS 1Y (TTM)-10.48%
EPS 3Y8.45%
EPS 5Y10.06%
EPS Q2Q%-44.27%
Revenue 1Y (TTM)11.75%
Revenue growth 3Y14.01%
Revenue growth 5Y12.53%
Sales Q2Q%29.92%

3.2 Future

Based on estimates for the next years, PLBC will show a small growth in Earnings Per Share. The EPS will grow by 6.34% on average per year.
Based on estimates for the next years, PLBC will show a quite strong growth in Revenue. The Revenue will grow by 18.02% on average per year.
EPS Next Y-9.99%
EPS Next 2Y5.8%
EPS Next 3Y6.34%
EPS Next 5YN/A
Revenue Next Year33.96%
Revenue Next 2Y24.8%
Revenue Next 3Y18.02%
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
PLBC Yearly Revenue VS EstimatesPLBC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 20M 40M 60M 80M 100M
PLBC Yearly EPS VS EstimatesPLBC Yearly EPS VS EstimatesYearly EPS VS Estimates 2023 2024 2025 2026 2027 1 2 3 4 5

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5

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 9.67 indicates a reasonable valuation of PLBC.
Based on the Price/Earnings ratio, PLBC is valued cheaply inside the industry as 80.05% of the companies are valued more expensively.
When comparing the Price/Earnings ratio of PLBC to the average of the S&P500 Index (27.57), we can say PLBC is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 7.70, the valuation of PLBC can be described as very cheap.
PLBC's Price/Forward Earnings ratio is rather cheap when compared to the industry. PLBC is cheaper than 85.42% of the companies in the same industry.
PLBC's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.09.
Industry RankSector Rank
PE 9.67
Fwd PE 7.7
PLBC Price Earnings VS Forward Price EarningsPLBC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of PLBC is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 11.31
EV/EBITDA N/A
PLBC Per share dataPLBC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.96
EPS Next 2Y5.8%
EPS Next 3Y6.34%

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5

5. Dividend

5.1 Amount

PLBC has a Yearly Dividend Yield of 2.90%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.55, PLBC has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.32, PLBC pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.9%

5.2 History

The dividend of PLBC is nicely growing with an annual growth rate of 18.63%!
PLBC has paid a dividend for at least 10 years, which is a reliable track record.
PLBC has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)18.63%
Div Incr Years4
Div Non Decr Years4
PLBC Yearly Dividends per sharePLBC Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8 1

5.3 Sustainability

PLBC pays out 23.16% of its income as dividend. This is a sustainable payout ratio.
PLBC's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP23.16%
EPS Next 2Y5.8%
EPS Next 3Y6.34%
PLBC Yearly Income VS Free CF VS DividendPLBC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M 40M
PLBC Dividend Payout.PLBC Dividend Payout, showing the Payout Ratio.PLBC Dividend Payout.PayoutRetained Earnings

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PLUMAS BANCORP

NASDAQ:PLBC (10/22/2025, 8:00:00 PM)

41.31

-0.12 (-0.29%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-15 2025-10-15/bmo
Earnings (Next)01-13 2026-01-13/bmo
Inst Owners40.39%
Inst Owner Change0.4%
Ins Owners5.64%
Ins Owner Change2.27%
Market Cap287.10M
Revenue(TTM)90.88M
Net Income(TTM)29.08M
Analysts84.44
Price Target56.44 (36.63%)
Short Float %0.62%
Short Ratio2.51
Dividend
Industry RankSector Rank
Dividend Yield 2.9%
Yearly Dividend1.08
Dividend Growth(5Y)18.63%
DP23.16%
Div Incr Years4
Div Non Decr Years4
Ex-Date11-03 2025-11-03 (0.3)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-11.07%
Min EPS beat(2)-27.11%
Max EPS beat(2)4.98%
EPS beat(4)3
Avg EPS beat(4)-0.8%
Min EPS beat(4)-27.11%
Max EPS beat(4)12.66%
EPS beat(8)6
Avg EPS beat(8)-0.66%
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)-0.25%
Min Revenue beat(2)-4.09%
Max Revenue beat(2)3.59%
Revenue beat(4)2
Avg Revenue beat(4)-0.11%
Min Revenue beat(4)-4.09%
Max Revenue beat(4)3.59%
Revenue beat(8)3
Avg Revenue beat(8)-1.71%
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)2.47%
EPS NQ rev (1m)0%
EPS NQ rev (3m)31.44%
EPS NY rev (1m)0%
EPS NY rev (3m)-5.41%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)10.69%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.84%
Valuation
Industry RankSector Rank
PE 9.67
Fwd PE 7.7
P/S 3.4
P/FCF 11.31
P/OCF 11.11
P/B 1.49
P/tB 1.53
EV/EBITDA N/A
EPS(TTM)4.27
EY10.34%
EPS(NY)5.36
Fwd EY12.98%
FCF(TTM)3.65
FCFY8.84%
OCF(TTM)3.72
OCFY9%
SpS12.17
BVpS27.78
TBVpS26.99
PEG (NY)N/A
PEG (5Y)0.96
Graham Number51.66
Profitability
Industry RankSector Rank
ROA 1.79%
ROE 15.06%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 34.39%
GM N/A
FCFM 30.01%
ROA(3y)1.75%
ROA(5y)1.57%
ROE(3y)19.51%
ROE(5y)17.73%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-2.77%
PM growth 5Y0.45%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 0.16
Debt/FCF 1.18
Debt/EBITDA N/A
Cap/Depr 30.75%
Cap/Sales 0.55%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 87.27%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC8.58%
ROIC/WACCN/A
Cap/Depr(3y)113.64%
Cap/Depr(5y)102%
Cap/Sales(3y)2.66%
Cap/Sales(5y)2.62%
Profit Quality(3y)143.03%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-10.48%
EPS 3Y8.45%
EPS 5Y10.06%
EPS Q2Q%-44.27%
EPS Next Y-9.99%
EPS Next 2Y5.8%
EPS Next 3Y6.34%
EPS Next 5YN/A
Revenue 1Y (TTM)11.75%
Revenue growth 3Y14.01%
Revenue growth 5Y12.53%
Sales Q2Q%29.92%
Revenue Next Year33.96%
Revenue Next 2Y24.8%
Revenue Next 3Y18.02%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-39.33%
FCF growth 3YN/A
FCF growth 5Y16.2%
OCF growth 1Y-41.71%
OCF growth 3YN/A
OCF growth 5Y14.53%