PLUMAS BANCORP (PLBC) Stock Fundamental Analysis
USA - NASDAQ:PLBC - US7292731020 - Common Stock
41.04 USD
-0.13 (-0.32%)
41.04 USD
0 (0%)
PLBC gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 390 industry peers in the Banks industry. While PLBC is still in line with the averages on profitability rating, there are concerns on its financial health. PLBC has a decent growth rate and is not valued too expensively.
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.
In the past 5 years PLBC has always been profitable.
PLBC had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
PLBC's Return On Assets of 1.79% is amongst the best of the industry. PLBC outperforms 95.13% of its industry peers.
PLBC has a better Return On Equity (15.06%) than 93.08% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
PLBC's Profit Margin of 34.39% is amongst the best of the industry. PLBC outperforms 90.77% 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 Rank | Sector 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
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.
Compared to 1 year ago, PLBC has an improved debt to assets ratio.
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.
Looking at the Debt to FCF ratio, with a value of 1.18, PLBC is in the better half of the industry, outperforming 64.87% of the companies in the same industry.
A Debt/Equity ratio of 0.16 indicates that PLBC is not too dependend on debt financing.
PLBC has a Debt to Equity ratio (0.16) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.16 | ||
| Debt/FCF | 1.18 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC8.68%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for PLBC have decreased strongly by -10.48% in the last year.
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 quite strong growth in Revenue. The Revenue has grown by 11.75% 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)-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
PLBC is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.34% yearly.
PLBC is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 18.02% yearly.
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.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 9.61, the valuation of PLBC can be described as reasonable.
Compared to the rest of the industry, the Price/Earnings ratio of PLBC indicates a somewhat cheap valuation: PLBC is cheaper than 76.92% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 26.11. PLBC is valued rather cheaply when compared to this.
A Price/Forward Earnings ratio of 7.65 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 84.87% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.55. PLBC is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.61 | ||
| Fwd PE | 7.65 |
4.2 Price Multiples
PLBC's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.24 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.96
EPS Next 2Y5.8%
EPS Next 3Y6.34%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.91%, PLBC has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.51, 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 2.37.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.91% |
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
23.16% of the earnings are spent on dividend by PLBC. This is a low number and 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%
41.04
-0.13 (-0.32%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners40.39%
Inst Owner Change3.6%
Ins Owners5.64%
Ins Owner Change2.27%
Market Cap285.23M
Revenue(TTM)90.88M
Net Income(TTM)29.08M
Analysts84.44
Price Target55.08 (34.21%)
Short Float %1.11%
Short Ratio4.75
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.91% |
Yearly Dividend1.08
Dividend Growth(5Y)18.63%
DP23.16%
Div Incr Years4
Div Non Decr Years4
Ex-Date
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)-2.41%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)2.38%
EPS NY rev (3m)-3.16%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)-0.75%
Revenue NY rev (3m)1.07%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.61 | ||
| Fwd PE | 7.65 | ||
| P/S | 3.37 | ||
| P/FCF | 11.24 | ||
| P/OCF | 11.04 | ||
| P/B | 1.48 | ||
| P/tB | 1.52 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.27
EY10.4%
EPS(NY)5.36
Fwd EY13.07%
FCF(TTM)3.65
FCFY8.9%
OCF(TTM)3.72
OCFY9.06%
SpS12.17
BVpS27.78
TBVpS26.99
PEG (NY)N/A
PEG (5Y)0.96
Graham Number51.66
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC8.68%
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%
PLUMAS BANCORP / PLBC FAQ
What is the fundamental rating for PLBC stock?
ChartMill assigns a fundamental rating of 4 / 10 to PLBC.
Can you provide the valuation status for PLUMAS BANCORP?
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 4 / 10.
What are the PE and PB ratios of PLUMAS BANCORP (PLBC) stock?
The Price/Earnings (PE) ratio for PLUMAS BANCORP (PLBC) is 9.61 and the Price/Book (PB) ratio is 1.48.
What is the earnings growth outlook for PLUMAS BANCORP?
The Earnings per Share (EPS) of PLUMAS BANCORP (PLBC) is expected to decline by -9.99% in the next year.