44.5 USD
+0.25 (+0.56%)
Taking everything into account, PLBC scores 4 out of 10 in our fundamental rating. PLBC was compared to 387 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 valued too expensively and it also shows a decent growth rate.
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.
Each year in the past 5 years PLBC has been profitable.
Of the past 5 years PLBC 4 years had a positive operating cash flow.
1.2 Ratios
PLBC has a better Return On Assets (1.18%) than 75.19% of its industry peers.
PLBC has a better Return On Equity (10.73%) than 71.58% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.18% | ||
| ROE | 10.73% | ||
| 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 has a Profit Margin of 29.05%. This is in the better half of the industry: PLBC outperforms 74.16% of its industry peers.
PLBC's Profit Margin has been stable in the last couple of years.
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) | 29.05% | ||
| 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.
Compared to 1 year ago, PLBC has more shares outstanding
The number of shares outstanding for PLBC has been increased compared to 5 years ago.
PLBC has a better debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of PLBC is 5.23, which is a neutral value as it means it would take PLBC, 5.23 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of PLBC (5.23) is worse than 72.61% of its industry peers.
PLBC has a Debt/Equity ratio of 0.49. This is a healthy value indicating a solid balance between debt and equity.
PLBC's Debt to Equity ratio of 0.49 is on the low side compared to the rest of the industry. PLBC is outperformed by 75.71% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.49 | ||
| Debt/FCF | 5.23 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC8.74%
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.
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.
The Revenue has grown by 11.75% in the past year. This is quite good.
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)-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
The Earnings Per Share is expected to grow by 6.34% on average over the next years.
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-9.8%
EPS Next 2Y5.8%
EPS Next 3Y6.34%
EPS Next 5YN/A
Revenue Next Year33.81%
Revenue Next 2Y24.65%
Revenue Next 3Y18.02%
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 decreasing.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 10.42, the valuation of PLBC can be described as very reasonable.
75.45% of the companies in the same industry are more expensive than PLBC, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 26.92, PLBC is valued rather cheaply.
With a Price/Forward Earnings ratio of 8.30, the valuation of PLBC can be described as very reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of PLBC indicates a rather cheap valuation: PLBC is cheaper than 85.01% of the companies listed in the same industry.
PLBC is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.57, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.42 | ||
| Fwd PE | 8.3 |
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 | 13.43 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)1.04
EPS Next 2Y5.8%
EPS Next 3Y6.34%
5. Dividend
5.1 Amount
PLBC has a Yearly Dividend Yield of 2.69%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 2.78, PLBC has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 1.94, PLBC pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.69% |
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
27.40% 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.
DP27.4%
EPS Next 2Y5.8%
EPS Next 3Y6.34%
NASDAQ:PLBC (1/8/2026, 11:25:46 AM)
44.5
+0.25 (+0.56%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners44.78%
Inst Owner Change0%
Ins Owners5.67%
Ins Owner Change2.78%
Market Cap309.72M
Revenue(TTM)90.88M
Net Income(TTM)26.40M
Analysts84.44
Price Target55.08 (23.78%)
Short Float %1.18%
Short Ratio5.31
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.69% |
Yearly Dividend1.08
Dividend Growth(5Y)18.63%
DP27.4%
Div Incr Years4
Div Non Decr Years4
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)1.78%
Min EPS beat(2)-27.11%
Max EPS beat(2)30.68%
EPS beat(4)3
Avg EPS beat(4)3.71%
Min EPS beat(4)-27.11%
Max EPS beat(4)30.68%
EPS beat(8)6
Avg EPS beat(8)2.22%
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)0
Avg Revenue beat(2)-4.16%
Min Revenue beat(2)-4.22%
Max Revenue beat(2)-4.09%
Revenue beat(4)2
Avg Revenue beat(4)-1.16%
Min Revenue beat(4)-4.22%
Max Revenue beat(4)3.59%
Revenue beat(8)3
Avg Revenue beat(8)-1.13%
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)-2.41%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-6.63%
EPS NY rev (1m)0%
EPS NY rev (3m)2.59%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-2.07%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.86%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.42 | ||
| Fwd PE | 8.3 | ||
| P/S | 3.41 | ||
| P/FCF | 13.43 | ||
| P/OCF | 12.81 | ||
| P/B | 1.26 | ||
| P/tB | 1.4 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.27
EY9.6%
EPS(NY)5.36
Fwd EY12.05%
FCF(TTM)3.31
FCFY7.44%
OCF(TTM)3.47
OCFY7.8%
SpS13.06
BVpS35.34
TBVpS31.86
PEG (NY)N/A
PEG (5Y)1.04
Graham Number58.27
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.18% | ||
| ROE | 10.73% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 29.05% | ||
| GM | N/A | ||
| FCFM | 25.37% |
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-Score4
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.49 | ||
| Debt/FCF | 5.23 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 51.72% | ||
| Cap/Sales | 1.23% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 87.35% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score4
WACC8.74%
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-9.8%
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 Year33.81%
Revenue Next 2Y24.65%
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-45.08%
FCF growth 3YN/A
FCF growth 5Y16.2%
OCF growth 1Y-45.42%
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.
What is the valuation status of PLUMAS BANCORP (PLBC) stock?
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.
Can you provide the PE and PB ratios for PLBC stock?
The Price/Earnings (PE) ratio for PLUMAS BANCORP (PLBC) is 10.42 and the Price/Book (PB) ratio is 1.26.
How sustainable is the dividend of PLUMAS BANCORP (PLBC) stock?
The dividend rating of PLUMAS BANCORP (PLBC) is 5 / 10 and the dividend payout ratio is 27.4%.