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PLUMAS BANCORP (PLBC) Stock Fundamental Analysis

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

41.97  -0.36 (-0.85%)

After market: 41.97 0 (0%)

Fundamental Rating

5

Taking everything into account, PLBC scores 5 out of 10 in our fundamental rating. PLBC was compared to 395 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 showing excellent growth while it is valued at reasonable prices. Keep and eye on this one!


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

PLBC had positive earnings in the past year.
In the past year PLBC had a positive cash flow from operations.
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

PLBC has a Return On Assets of 1.81%. This is amongst the best in the industry. PLBC outperforms 95.44% of its industry peers.
PLBC has a Return On Equity of 15.75%. This is amongst the best in the industry. PLBC outperforms 93.67% of its industry peers.
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's Profit Margin of 34.91% is amongst the best of the industry. PLBC outperforms 91.90% of its industry peers.
In the last couple of years the Profit Margin of PLBC has remained more or less at the same level.
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) 34.91%
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.
Compared to 1 year ago, PLBC has more shares outstanding
Compared to 5 years ago, PLBC has more shares outstanding
Compared to 1 year ago, PLBC has an improved debt to assets ratio.
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.
Looking at the Debt to FCF ratio, with a value of 1.20, PLBC is in the better half of the industry, outperforming 68.61% of the companies in the same industry.
PLBC has a Debt/Equity ratio of 0.18. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of PLBC (0.18) is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF 1.2
Altman-Z N/A
ROIC/WACCN/A
WACC9.09%
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

PLBC shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 3.35%.
PLBC shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 10.06% yearly.
Looking at the last year, PLBC shows a small growth in Revenue. The Revenue has grown by 7.07% in the last year.
The Revenue has been growing by 12.53% on average over the past years. This is quite good.
EPS 1Y (TTM)3.35%
EPS 3Y8.45%
EPS 5Y10.06%
EPS Q2Q%14.29%
Revenue 1Y (TTM)7.07%
Revenue growth 3Y14.01%
Revenue growth 5Y12.53%
Sales Q2Q%11%

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 8.68% 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 2Y8.68%
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

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
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

A Price/Earnings ratio of 8.50 indicates a reasonable valuation of PLBC.
Based on the Price/Earnings ratio, PLBC is valued cheaper than 88.86% of the companies in the same industry.
When comparing the Price/Earnings ratio of PLBC to the average of the S&P500 Index (26.35), we can say PLBC is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 7.42, 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 81.27% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.19, PLBC is valued rather cheaply.
Industry RankSector Rank
PE 8.5
Fwd PE 7.42
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

65.57% of the companies in the same industry are more expensive than PLBC, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 8.83
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

PEG (NY)N/A
PEG (5Y)0.84
EPS Next 2Y8.68%
EPS Next 3YN/A

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5

5. Dividend

5.1 Amount

PLBC has a Yearly Dividend Yield of 2.72%.
PLBC's Dividend Yield is comparable with the industry average which is at 3.46.
PLBC's Dividend Yield is comparable with the S&P500 average which is at 2.40.
Industry RankSector Rank
Dividend Yield 2.72%

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 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 2Y8.68%
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 (6/20/2025, 8:00:00 PM)

After market: 41.97 0 (0%)

41.97

-0.36 (-0.85%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-16 2025-04-16/bmo
Earnings (Next)07-15 2025-07-15
Inst Owners47.67%
Inst Owner Change94.28%
Ins Owners6.33%
Ins Owner Change2.96%
Market Cap248.88M
Analysts84.44
Price Target53.04 (26.38%)
Short Float %1.51%
Short Ratio6.28
Dividend
Industry RankSector Rank
Dividend Yield 2.72%
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)0%
PT rev (3m)-9.83%
EPS NQ rev (1m)0%
EPS NQ rev (3m)20.61%
EPS NY rev (1m)0%
EPS NY rev (3m)0.18%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.9%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.06%
Valuation
Industry RankSector Rank
PE 8.5
Fwd PE 7.42
P/S 2.94
P/FCF 8.83
P/OCF 8.63
P/B 1.33
P/tB 1.37
EV/EBITDA N/A
EPS(TTM)4.94
EY11.77%
EPS(NY)5.66
Fwd EY13.48%
FCF(TTM)4.75
FCFY11.33%
OCF(TTM)4.87
OCFY11.59%
SpS14.27
BVpS31.64
TBVpS30.71
PEG (NY)N/A
PEG (5Y)0.84
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
WACC9.09%
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)3.35%
EPS 3Y8.45%
EPS 5Y10.06%
EPS Q2Q%14.29%
EPS Next Y-7.05%
EPS Next 2Y8.68%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)7.07%
Revenue growth 3Y14.01%
Revenue growth 5Y12.53%
Sales Q2Q%11%
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%