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PLUMAS BANCORP (PLBC) Stock Fundamental Analysis

NASDAQ:PLBC - Nasdaq - US7292731020 - Common Stock - Currency: USD

43.07  +0.3 (+0.7%)

After market: 43.07 0 (0%)

Fundamental Rating

5

Overall PLBC gets a fundamental rating of 5 out of 10. We evaluated PLBC against 396 industry peers in the Banks industry. There are concerns on the financial health of PLBC while its profitability can be described as average. PLBC is not overvalued while it is showing excellent growth. This is an interesting combination.


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.
Each year in the past 5 years PLBC has been profitable.
PLBC had a positive operating cash flow in 4 of the past 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 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 1.81%, PLBC belongs to the top of the industry, outperforming 95.20% of the companies in the same industry.
Looking at the Return On Equity, with a value of 15.75%, PLBC belongs to the top of the industry, outperforming 93.94% of the companies in the same industry.
Industry RankSector Rank
ROA 1.81%
ROE 15.75%
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

PLBC has a better Profit Margin (34.91%) than 91.92% of its industry peers.
In the last couple of years the Profit Margin of PLBC has remained more or less at the same level.
PLBC does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 34.91%
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.
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.
The debt/assets ratio for PLBC has been reduced compared to a year ago.
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

PLBC has a debt to FCF ratio of 1.20. This is a very positive value and a sign of high solvency as it would only need 1.20 years to pay back of all of its debts.
With a decent Debt to FCF ratio value of 1.20, PLBC is doing good in the industry, outperforming 69.19% of the companies in the same industry.
A Debt/Equity ratio of 0.18 indicates that PLBC is not too dependend on debt financing.
With a Debt to Equity ratio value of 0.18, PLBC perfoms like the industry average, outperforming 47.22% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF 1.2
Altman-Z N/A
ROIC/WACCN/A
WACC8.9%
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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7

3. Growth

3.1 Past

The Earnings Per Share has been growing slightly by 1.04% over the past year.
Measured over the past years, PLBC shows a quite strong growth in Earnings Per Share. The EPS has been growing by 10.06% on average per year.
PLBC shows a small growth in Revenue. In the last year, the Revenue has grown by 2.43%.
PLBC shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 12.53% yearly.
EPS 1Y (TTM)1.04%
EPS 3Y8.45%
EPS 5Y10.06%
EPS Q2Q%-7.89%
Revenue 1Y (TTM)2.43%
Revenue growth 3Y14.01%
Revenue growth 5Y12.53%
Sales Q2Q%-0.33%

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 8.69% on average per year.
PLBC is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 27.26% yearly.
EPS Next Y-7.05%
EPS Next 2Y8.69%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year32.53%
Revenue Next 2Y27.26%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is stable: in the next years the growth will be about the same 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 20M 40M 60M 80M 100M
PLBC Yearly EPS VS EstimatesPLBC Yearly EPS VS EstimatesYearly EPS VS Estimates 2023 2024 2025 2026 1 2 3 4 5

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6

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 8.88, the valuation of PLBC can be described as reasonable.
90.15% of the companies in the same industry are more expensive than PLBC, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 27.53. PLBC is valued rather cheaply when compared to this.
A Price/Forward Earnings ratio of 7.61 indicates a rather cheap valuation of PLBC.
Based on the Price/Forward Earnings ratio, PLBC is valued cheaply inside the industry as 85.86% of the companies are valued more expensively.
PLBC is valuated cheaply when we compare the Price/Forward Earnings ratio to 36.71, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 8.88
Fwd PE 7.61
PLBC Price Earnings VS Forward Price EarningsPLBC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

PLBC's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. PLBC is cheaper than 60.35% of the companies in the same industry.
Industry RankSector Rank
P/FCF 10.6
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)0.88
EPS Next 2Y8.69%
EPS Next 3YN/A

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5

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.85%, PLBC has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.29, PLBC has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.34, PLBC pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.85%

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 0.2 0.4 0.6 0.8 1

5.3 Sustainability

PLBC pays out 22.16% of its income as dividend. This is a sustainable payout ratio.
The dividend of PLBC is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP22.16%
EPS Next 2Y8.69%
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 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 (7/22/2025, 8:00:00 PM)

After market: 43.07 0 (0%)

43.07

+0.3 (+0.7%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-16 2025-07-16/bmo
Earnings (Next)10-14 2025-10-14
Inst Owners47.67%
Inst Owner Change-0.02%
Ins Owners6.33%
Ins Owner Change3.04%
Market Cap298.91M
Analysts84.44
Price Target55.08 (27.88%)
Short Float %1.61%
Short Ratio7.8
Dividend
Industry RankSector Rank
Dividend Yield 2.85%
Yearly Dividend1.08
Dividend Growth(5Y)18.63%
DP22.16%
Div Incr Years4
Div Non Decr Years4
Ex-Date05-01 2025-05-01 (0.3)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)5.63%
Min EPS beat(2)4.98%
Max EPS beat(2)6.28%
EPS beat(4)4
Avg EPS beat(4)6.61%
Min EPS beat(4)2.54%
Max EPS beat(4)12.66%
EPS beat(8)N/A
Avg EPS beat(8)N/A
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)2
Avg Revenue beat(2)1.85%
Min Revenue beat(2)0.1%
Max Revenue beat(2)3.59%
Revenue beat(4)3
Avg Revenue beat(4)1.17%
Min Revenue beat(4)-0.03%
Max Revenue beat(4)3.59%
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
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)3.85%
PT rev (3m)-6.36%
EPS NQ rev (1m)0%
EPS NQ rev (3m)18.72%
EPS NY rev (1m)0%
EPS NY rev (3m)1.7%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.18%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.7%
Valuation
Industry RankSector Rank
PE 8.88
Fwd PE 7.61
P/S 3.53
P/FCF 10.6
P/OCF 10.36
P/B 1.59
P/tB 1.64
EV/EBITDA N/A
EPS(TTM)4.85
EY11.26%
EPS(NY)5.66
Fwd EY13.14%
FCF(TTM)4.06
FCFY9.43%
OCF(TTM)4.16
OCFY9.65%
SpS12.19
BVpS27.03
TBVpS26.24
PEG (NY)N/A
PEG (5Y)0.88
Profitability
Industry RankSector Rank
ROA 1.81%
ROE 15.75%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 34.91%
GM N/A
FCFM 33.31%
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
ROICexcg growth 3YN/A
ROICexcg 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 0.18
Debt/FCF 1.2
Debt/EBITDA N/A
Cap/Depr 46.78%
Cap/Sales 0.78%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 95.41%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC8.9%
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)1.04%
EPS 3Y8.45%
EPS 5Y10.06%
EPS Q2Q%-7.89%
EPS Next Y-7.05%
EPS Next 2Y8.69%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)2.43%
Revenue growth 3Y14.01%
Revenue growth 5Y12.53%
Sales Q2Q%-0.33%
Revenue Next Year32.53%
Revenue Next 2Y27.26%
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 1Y-40.05%
FCF growth 3YN/A
FCF growth 5Y16.2%
OCF growth 1Y-40.97%
OCF growth 3YN/A
OCF growth 5Y14.53%