PLUMAS BANCORP (PLBC) Stock Fundamental Analysis

NASDAQ:PLBC • US7292731020

50.3 USD
-1.9 (-3.64%)
Last: Feb 27, 2026, 08:27 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to PLBC. PLBC was compared to 379 industry peers in the Banks industry. PLBC has a bad profitability rating. Also its financial health evaluation is rather negative. PLBC is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • In the past year PLBC was profitable.
  • In the past year PLBC had a positive cash flow from operations.
  • In the past 5 years PLBC has always been profitable.
  • In multiple years PLBC reported negative operating cash flow during the last 5 years.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20M 40M

1.2 Ratios

  • PLBC has a better Return On Assets (1.18%) than 73.88% of its industry peers.
  • PLBC has a better Return On Equity (10.73%) than 70.18% of its industry peers.
Industry RankSector Rank
ROA 1.18%
ROE 10.73%
ROIC N/A
ROA(3y)1.65%
ROA(5y)1.57%
ROE(3y)15.88%
ROE(5y)17.11%
ROIC(3y)N/A
ROIC(5y)N/A
PLBC Yearly ROA, ROE, ROICPLBC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20

1.3 Margins

  • PLBC has a better Profit Margin (29.05%) than 72.82% 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) 29.05%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-7.45%
PM growth 5Y-0.5%
GM growth 3YN/A
GM growth 5YN/A
PLBC Yearly Profit, Operating, Gross MarginsPLBC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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ROAROEROICOperating and Profit MarginShow most profitable peers

1

2. Health

2.1 Basic Checks

  • PLBC does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for PLBC has been increased compared to 1 year ago.
  • The number of shares outstanding for PLBC has been increased compared to 5 years ago.
  • PLBC has a worse debt/assets ratio than last year.
PLBC Yearly Shares OutstandingPLBC Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2M 4M 6M
PLBC Yearly Total Debt VS Total AssetsPLBC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B

2.2 Solvency

  • PLBC has a debt to FCF ratio of 5.23. This is a neutral value as PLBC would need 5.23 years to pay back of all of its debts.
  • PLBC has a worse Debt to FCF ratio (5.23) than 71.77% of its industry peers.
  • A Debt/Equity ratio of 0.49 indicates that PLBC is not too dependend on debt financing.
  • With a Debt to Equity ratio value of 0.49, PLBC is not doing good in the industry: 75.73% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 0.49
Debt/FCF 5.23
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50M 100M 150M 200M 250M

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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. Growth

3.1 Past

  • PLBC shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -5.22%.
  • PLBC shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 10.41% yearly.
  • The Revenue has grown by 19.19% in the past year. This is quite good.
  • The Revenue has been growing by 15.97% on average over the past years. This is quite good.
EPS 1Y (TTM)-5.22%
EPS 3Y0.55%
EPS 5Y10.41%
EPS Q2Q%20.93%
Revenue 1Y (TTM)19.19%
Revenue growth 3Y12.22%
Revenue growth 5Y15.97%
Sales Q2Q%35.06%

3.2 Future

  • Based on estimates for the next years, PLBC will show a quite strong growth in Earnings Per Share. The EPS will grow by 13.06% on average per year.
  • The Revenue is expected to grow by 10.89% on average over the next years. This is quite good.
EPS Next Y21.55%
EPS Next 2Y13.06%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year16.93%
Revenue Next 2Y10.89%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
PLBC Yearly Revenue VS EstimatesPLBC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 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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Find the best growth stocksShow best growing peers

5

4. Valuation

4.1 Price/Earnings Ratio

  • PLBC is valuated reasonably with a Price/Earnings ratio of 11.08.
  • Based on the Price/Earnings ratio, PLBC is valued a bit cheaper than 63.85% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 27.07. PLBC is valued rather cheaply when compared to this.
  • Based on the Price/Forward Earnings ratio of 9.12, the valuation of PLBC can be described as reasonable.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of PLBC indicates a somewhat cheap valuation: PLBC is cheaper than 75.20% of the companies listed in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 28.05. PLBC is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 11.08
Fwd PE 9.12
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

  • Based on the Price/Free Cash Flow ratio, PLBC is valued a bit more expensive than 63.85% of the companies in the same industry.
Industry RankSector Rank
P/FCF 15.18
EV/EBITDA N/A
PLBC Per share dataPLBC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

  • PLBC's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • PLBC's earnings are expected to grow with 13.06% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.51
PEG (5Y)1.06
EPS Next 2Y13.06%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. Dividend

5.1 Amount

  • PLBC has a Yearly Dividend Yield of 2.53%.
  • Compared to an average industry Dividend Yield of 2.73, PLBC has a dividend in line with its industry peers.
  • PLBC's Dividend Yield is a higher than the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 2.53%

5.2 History

  • The dividend of PLBC is nicely growing with an annual growth rate of 18.63%!
  • PLBC has been paying a dividend for at least 10 years, so it has 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 2026 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • PLBC pays out 27.40% 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.
DP27.4%
EPS Next 2Y13.06%
EPS Next 3YN/A
PLBC Yearly Income VS Free CF VS DividendPLBC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20M 40M
PLBC Dividend Payout.PLBC Dividend Payout, showing the Payout Ratio.PLBC Dividend Payout.PayoutRetained Earnings

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Find the best dividend stocksShow peers with best dividend

PLUMAS BANCORP

NASDAQ:PLBC (2/27/2026, 8:27:02 PM)

50.3

-1.9 (-3.64%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-21
Earnings (Next)04-14
Inst Owners44.78%
Inst Owner Change4.09%
Ins Owners5.67%
Ins Owner Change3.01%
Market Cap350.09M
Revenue(TTM)98.30M
Net Income(TTM)26.40M
Analysts84.44
Price Target58.48 (16.26%)
Short Float %1.08%
Short Ratio3.63
Dividend
Industry RankSector Rank
Dividend Yield 2.53%
Yearly Dividend1.08
Dividend Growth(5Y)18.63%
DP27.4%
Div Incr Years4
Div Non Decr Years4
Ex-Date02-04
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)1.78%
Min EPS beat(2)-27.11%
Max EPS beat(2)30.68%
EPS beat(4)3
Avg EPS beat(4)3.71%
Min EPS beat(4)-27.11%
Max EPS beat(4)30.68%
EPS beat(8)6
Avg EPS beat(8)2.22%
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)0
Avg Revenue beat(2)-4.16%
Min Revenue beat(2)-4.22%
Max Revenue beat(2)-4.09%
Revenue beat(4)2
Avg Revenue beat(4)-1.16%
Min Revenue beat(4)-4.22%
Max Revenue beat(4)3.59%
Revenue beat(8)3
Avg Revenue beat(8)-1.13%
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)6.17%
PT rev (3m)6.17%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.26%
EPS NY rev (1m)2.6%
EPS NY rev (3m)2.91%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.58%
Revenue NY rev (1m)1.32%
Revenue NY rev (3m)0.49%
Valuation
Industry RankSector Rank
PE 11.08
Fwd PE 9.12
P/S 3.85
P/FCF 15.18
P/OCF 14.48
P/B 1.42
P/tB 1.58
EV/EBITDA N/A
EPS(TTM)4.54
EY9.03%
EPS(NY)5.52
Fwd EY10.97%
FCF(TTM)3.31
FCFY6.59%
OCF(TTM)3.47
OCFY6.9%
SpS13.06
BVpS35.34
TBVpS31.86
PEG (NY)0.51
PEG (5Y)1.06
Graham Number60.08
Profitability
Industry RankSector Rank
ROA 1.18%
ROE 10.73%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 29.05%
GM N/A
FCFM 25.37%
ROA(3y)1.65%
ROA(5y)1.57%
ROE(3y)15.88%
ROE(5y)17.11%
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-7.45%
PM growth 5Y-0.5%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.49
Debt/FCF 5.23
Debt/EBITDA N/A
Cap/Depr 51.72%
Cap/Sales 1.23%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 87.35%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACC8.58%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-5.22%
EPS 3Y0.55%
EPS 5Y10.41%
EPS Q2Q%20.93%
EPS Next Y21.55%
EPS Next 2Y13.06%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)19.19%
Revenue growth 3Y12.22%
Revenue growth 5Y15.97%
Sales Q2Q%35.06%
Revenue Next Year16.93%
Revenue Next 2Y10.89%
Revenue Next 3YN/A
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 1Y6.35%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y7.35%
OCF growth 3YN/A
OCF growth 5YN/A

PLUMAS BANCORP / PLBC FAQ

What is the fundamental rating for PLBC stock?

ChartMill assigns a fundamental rating of 4 / 10 to PLBC.


What is the valuation status of PLUMAS BANCORP (PLBC) stock?

ChartMill assigns a valuation rating of 5 / 10 to PLUMAS BANCORP (PLBC). This can be considered as Fairly Valued.


How profitable is PLUMAS BANCORP (PLBC) stock?

PLUMAS BANCORP (PLBC) has a profitability rating of 3 / 10.


Can you provide the PE and PB ratios for PLBC stock?

The Price/Earnings (PE) ratio for PLUMAS BANCORP (PLBC) is 11.08 and the Price/Book (PB) ratio is 1.42.


How sustainable is the dividend of PLUMAS BANCORP (PLBC) stock?

The dividend rating of PLUMAS BANCORP (PLBC) is 5 / 10 and the dividend payout ratio is 27.4%.