PLUMAS BANCORP (PLBC)

US7292731020 - Common Stock

36.19  +0.46 (+1.29%)

After market: 36.19 0 (0%)

Fundamental Rating

4

Overall PLBC gets a fundamental rating of 4 out of 10. We evaluated PLBC against 412 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.



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5

1. Profitability

1.1 Basic Checks

In the past year PLBC was profitable.
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

Looking at the Return On Assets, with a value of 1.85%, PLBC belongs to the top of the industry, outperforming 94.42% of the companies in the same industry.
The Return On Equity of PLBC (20.22%) is better than 96.60% of its industry peers.
Industry RankSector Rank
ROA 1.85%
ROE 20.22%
ROIC N/A
ROA(3y)1.59%
ROA(5y)1.58%
ROE(3y)19.37%
ROE(5y)18.18%
ROIC(3y)N/A
ROIC(5y)N/A

1.3 Margins

The Profit Margin of PLBC (36.99%) is better than 91.50% of its industry peers.
In the last couple of years the Profit Margin of PLBC has grown nicely.
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) 36.99%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y6.17%
PM growth 5Y2.1%
GM growth 3YN/A
GM growth 5YN/A

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2

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 less shares outstanding
The number of shares outstanding for PLBC has been increased compared to 5 years ago.
Compared to 1 year ago, PLBC has a worse debt to assets ratio.

2.2 Solvency

The Debt to FCF ratio of PLBC is 3.14, which is a good value as it means it would take PLBC, 3.14 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 3.14, PLBC perfoms like the industry average, outperforming 44.42% of the companies in the same industry.
A Debt/Equity ratio of 0.77 indicates that PLBC is somewhat dependend on debt financing.
The Debt to Equity ratio of PLBC (0.77) is worse than 78.64% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.77
Debt/FCF 3.14
Altman-Z N/A
ROIC/WACCN/A
WACC8.36%

2.3 Liquidity

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

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5

3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 11.83% over the past year.
The Earnings Per Share has been growing by 13.36% on average over the past years. This is quite good.
The Revenue has grown by 15.75% 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 13.92% yearly.
EPS 1Y (TTM)11.83%
EPS 3Y21.9%
EPS 5Y13.36%
EPS growth Q2Q-3.79%
Revenue 1Y (TTM)15.75%
Revenue growth 3Y19.77%
Revenue growth 5Y13.92%
Revenue growth Q2Q2.45%

3.2 Future

Based on estimates for the next years, PLBC will show a small growth in Earnings Per Share. The EPS will grow by 0.39% on average per year.
PLBC is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.92% yearly.
EPS Next Y-2.28%
EPS Next 2Y0.39%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year2.79%
Revenue Next 2Y5.92%
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 decreasing.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.

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6

4. Valuation

4.1 Price/Earnings Ratio

PLBC is valuated cheaply with a Price/Earnings ratio of 7.22.
PLBC's Price/Earnings ratio is rather cheap when compared to the industry. PLBC is cheaper than 86.65% of the companies in the same industry.
PLBC is valuated cheaply when we compare the Price/Earnings ratio to 28.28, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 7.39, which indicates a rather cheap valuation of PLBC.
Based on the Price/Forward Earnings ratio, PLBC is valued cheaper than 88.35% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of PLBC to the average of the S&P500 Index (20.88), we can say PLBC is valued rather cheaply.
Industry RankSector Rank
PE 7.22
Fwd PE 7.39

4.2 Price Multiples

83.01% 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 5.91
EV/EBITDA N/A

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.54
EPS Next 2Y0.39%
EPS Next 3YN/A

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5

5. Dividend

5.1 Amount

PLBC has a Yearly Dividend Yield of 3.08%.
PLBC's Dividend Yield is comparable with the industry average which is at 3.81.
PLBC's Dividend Yield is a higher than the S&P500 average which is at 2.41.
Industry RankSector Rank
Dividend Yield 3.08%

5.2 History

The dividend of PLBC is nicely growing with an annual growth rate of 22.52%!
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)22.52%
Div Incr Years3
Div Non Decr Years3

5.3 Sustainability

PLBC pays out 19.68% 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.
DP19.68%
EPS Next 2Y0.39%
EPS Next 3YN/A

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PLUMAS BANCORP

NASDAQ:PLBC (5/3/2024, 7:12:32 PM)

After market: 36.19 0 (0%)

36.19

+0.46 (+1.29%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap213.16M
Analysts
Price Target
Dividend
Industry RankSector Rank
Dividend Yield 3.08%
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
Industry RankSector Rank
PE 7.22
Fwd PE 7.39
P/S
P/FCF
P/OCF
P/B
P/tB
EV/EBITDA
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)0.54
Profitability
Industry RankSector Rank
ROA 1.85%
ROE 20.22%
ROCE
ROIC
ROICexc
ROICexgc
OM N/A
PM (TTM) 36.99%
GM N/A
FCFM
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 0.77
Debt/FCF
Debt/EBITDA
Cap/Depr
Cap/Sales
Interest Coverage
Cash Conversion
Profit Quality
Current Ratio N/A
Quick Ratio N/A
Altman-Z
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)11.83%
EPS 3Y21.9%
EPS 5Y
EPS growth Q2Q
EPS Next Y-2.28%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)15.75%
Revenue growth 3Y19.77%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y