PLBC Fundamental Analysis - PLUMAS BANCORP

Fundamental Rating

PLBC gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 393 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 is not priced too expensively while it is growing strongly. Keep and eye on this one!

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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.

1.2 Ratios

With an excellent Return On Assets value of 1.79%, PLBC belongs to the best of the industry, outperforming 95.42% of the companies in the same industry.

PLBC's Return On Equity of 15.06% is amongst the best of the industry. PLBC outperforms 93.13% 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

With an excellent Profit Margin value of 34.39%, PLBC belongs to the best of the industry, outperforming 90.59% of the companies in the same industry.

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 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

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ROA

ROE

ROIC

Operating and Profit Margin

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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.

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

PLBC has a debt to FCF ratio of 1.18. This is a very positive value and a sign of high solvency as it would only need 1.18 years to pay back of all of its debts.

PLBC has a better Debt to FCF ratio (1.18) than 67.68% of its industry peers.

A Debt/Equity ratio of 0.16 indicates that PLBC is not too dependend on debt financing.

PLBC's Debt to Equity ratio of 0.16 is in line compared to the rest of the industry. PLBC outperforms 54.20% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.16
Debt/FCF	1.18
Altman-Z	N/A

ROIC/WACCN/A

WACC8.8%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

PLBC shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 1.04%.

The Earnings Per Share has been growing by 10.06% on average over the past years. This is quite good.

The Revenue has been growing slightly by 5.36% in the past year.

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)5.36%

Revenue growth 3Y14.01%

Revenue growth 5Y12.53%

Sales Q2Q%-0.31%

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.

Based on estimates for the next years, PLBC will show a very strong growth in Revenue. The Revenue will grow by 25.98% on average per year.

EPS Next Y-7.05%

EPS Next 2Y8.69%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year34.98%

Revenue Next 2Y25.98%

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.

The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 9.01 indicates a reasonable valuation of PLBC.

PLBC's Price/Earnings ratio is rather cheap when compared to the industry. PLBC is cheaper than 91.86% of the companies in the same industry.

The average S&P500 Price/Earnings ratio is at 27.24. PLBC is valued rather cheaply when compared to this.

A Price/Forward Earnings ratio of 7.72 indicates a rather cheap valuation of PLBC.

88.30% of the companies in the same industry are more expensive than PLBC, based on the Price/Forward Earnings ratio.

Compared to an average S&P500 Price/Forward Earnings ratio of 35.82, PLBC is valued rather cheaply.

		Industry Rank	Sector Rank
PE	9.01
Fwd PE	7.72

4.2 Price Multiples

PLBC's Price/Free Cash Flow ratio is in line with the industry average.

		Industry Rank	Sector Rank
P/FCF	11.97
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)0.9

EPS Next 2Y8.69%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

PLBC has a Yearly Dividend Yield of 2.87%. Purely for dividend investing, there may be better candidates out there.

Compared to an average industry Dividend Yield of 3.34, PLBC has a dividend in line with its industry peers.

Compared to an average S&P500 Dividend Yield of 2.32, PLBC pays a bit more dividend than the S&P500 average.

		Industry Rank	Sector Rank
Dividend Yield	2.87%

5.2 History

On average, the dividend of PLBC grows each year by 18.63%, which is quite nice.

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

5.3 Sustainability

23.16% of the earnings are spent on dividend by PLBC. This is a low number and sustainable payout ratio.

The dividend of PLBC is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.

DP23.16%

EPS Next 2Y8.69%

EPS Next 3YN/A

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PLUMAS BANCORP

NASDAQ:PLBC (8/22/2025, 8:00:00 PM)

After market: 43.71 0 (0%)

43.71

+2.42 (+5.86%)

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 Owners39.2%

Inst Owner Change-46.56%

Ins Owners5.61%

Ins Owner Change4.34%

Market Cap303.78M

Analysts84.44

Price Target56.44 (29.12%)

Short Float %0.46%

Short Ratio1.96

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.87%

Yearly Dividend1.08

Dividend Growth(5Y)18.63%

DP23.16%

Div Incr Years4

Div Non Decr Years4

Ex-Date08-01 2025-08-01 (0.3)

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)2.47%

PT rev (3m)6.41%

EPS NQ rev (1m)31.44%

EPS NQ rev (3m)-13.55%

EPS NY rev (1m)0%

EPS NY rev (3m)1.7%

Revenue NQ rev (1m)10.69%

Revenue NQ rev (3m)0.87%

Revenue NY rev (1m)1.84%

Revenue NY rev (3m)1.84%

Valuation

		Industry Rank	Sector Rank
PE	9.01
Fwd PE	7.72
P/S	3.59
P/FCF	11.97
P/OCF	11.76
P/B	1.57
P/tB	1.62
EV/EBITDA	N/A

EPS(TTM)4.85

EY11.1%

EPS(NY)5.66

Fwd EY12.95%

FCF(TTM)3.65

FCFY8.35%

OCF(TTM)3.72

OCFY8.51%

SpS12.17

BVpS27.78

TBVpS26.99

PEG (NY)N/A

PEG (5Y)0.9

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

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	0.16
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

WACC8.8%

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)5.36%

Revenue growth 3Y14.01%

Revenue growth 5Y12.53%

Sales Q2Q%-0.31%

Revenue Next Year34.98%

Revenue Next 2Y25.98%

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-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) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens