PLUMAS BANCORP (PLBC) Stock Fundamental Analysis
NASDAQ:PLBC - Nasdaq - US7292731020 - Common Stock - Currency: USD
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. PLBC has a medium profitability rating, but doesn't score so well on its financial health evaluation. PLBC is not overvalued while it is showing excellent growth. This is an interesting combination.
1. Profitability
1.1 Basic Checks
In the past year PLBC was profitable.
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.
1.2 Ratios
PLBC has a Return On Assets of 1.81%. This is amongst the best in the industry. PLBC outperforms 94.94% of its industry peers.
PLBC has a Return On Equity of 15.75%. This is amongst the best in the industry. PLBC outperforms 93.92% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
Looking at the Profit Margin, with a value of 34.91%, PLBC belongs to the top of the industry, outperforming 91.90% of the companies in the same industry.
PLBC's Profit Margin has been stable in the last couple of years.
PLBC does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector 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
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.
Compared to 5 years ago, PLBC has more shares outstanding
Compared to 1 year ago, PLBC has an improved debt to assets ratio.
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 68.86% 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.
With a Debt to Equity ratio value of 0.18, PLBC perfoms like the industry average, outperforming 47.59% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.18 | ||
| Debt/FCF | 1.2 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC8.92%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has been growing slightly by 3.35% over the past year.
The Earnings Per Share has been growing by 10.06% on average over the past years. This is quite good.
PLBC shows a small growth in Revenue. In the last year, the Revenue has grown by 7.07%.
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)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.
The Revenue is expected to grow by 27.26% on average over the next years. This is a very strong growth
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
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.
4. Valuation
4.1 Price/Earnings Ratio
PLBC is valuated reasonably with a Price/Earnings ratio of 9.08.
Based on the Price/Earnings ratio, PLBC is valued cheaply inside the industry as 88.35% of the companies are valued more expensively.
The average S&P500 Price/Earnings ratio is at 26.17. PLBC is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 7.93, which indicates a rather cheap valuation of PLBC.
Compared to the rest of the industry, the Price/Forward Earnings ratio of PLBC indicates a rather cheap valuation: PLBC is cheaper than 81.77% of the companies listed in the same industry.
PLBC is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.10, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.08 | ||
| Fwd PE | 7.93 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, PLBC is valued a bit cheaper than 65.82% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.43 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.9
EPS Next 2Y8.68%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.76%, PLBC has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.45, PLBC has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.40, PLBC has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.76% |
5.2 History
On average, the dividend of PLBC grows each year by 18.63%, which is quite nice.
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
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
NASDAQ:PLBC (5/29/2025, 9:36:48 AM)
44.8415
+1.33 (+3.06%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners47.24%
Inst Owner Change94.28%
Ins Owners6.17%
Ins Owner Change2.8%
Market Cap265.91M
Analysts84.44
Price Target53.04 (18.28%)
Short Float %1.33%
Short Ratio5.14
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.76% |
Yearly Dividend1.08
Dividend Growth(5Y)18.63%
DP22.16%
Div Incr Years4
Div Non Decr Years4
Ex-Date
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)-7.96%
EPS NQ rev (1m)18.72%
EPS NQ rev (3m)20.61%
EPS NY rev (1m)1.7%
EPS NY rev (3m)0.18%
Revenue NQ rev (1m)-0.18%
Revenue NQ rev (3m)-0.9%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-3.31%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.08 | ||
| Fwd PE | 7.93 | ||
| P/S | 3.14 | ||
| P/FCF | 9.43 | ||
| P/OCF | 9.22 | ||
| P/B | 1.42 | ||
| P/tB | 1.46 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.94
EY11.02%
EPS(NY)5.66
Fwd EY12.62%
FCF(TTM)4.75
FCFY10.6%
OCF(TTM)4.87
OCFY10.85%
SpS14.27
BVpS31.64
TBVpS30.71
PEG (NY)N/A
PEG (5Y)0.9
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC8.92%
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%