PLUMAS BANCORP (PLBC) Fundamental Analysis & Valuation

NASDAQ:PLBC • US7292731020

Current stock price

49.96 USD
+0.56 (+1.13%)
Last:

This PLBC fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. PLBC Profitability Analysis

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.
  • Of the past 5 years PLBC 4 years had a positive operating cash flow.
PLBC Yearly Net Income VS EBIT VS OCF VS FCFPLBC Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20M 40M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 1.32%, PLBC belongs to the top of the industry, outperforming 80.53% of the companies in the same industry.
  • With a decent Return On Equity value of 11.34%, PLBC is doing good in the industry, outperforming 72.89% of the companies in the same industry.
Industry RankSector Rank
ROA 1.32%
ROE 11.34%
ROIC N/A
ROA(3y)1.65%
ROA(5y)1.57%
ROE(3y)15.88%
ROE(5y)17.11%
ROIC(3y)N/A
ROIC(5y)N/A
PLBC Yearly ROA, ROE, ROICPLBC Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20

1.3 Margins

  • PLBC has a Profit Margin of 30.13%. This is in the better half of the industry: PLBC outperforms 75.00% 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 RankSector Rank
OM N/A
PM (TTM) 30.13%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-7.45%
PM growth 5Y-0.5%
GM growth 3YN/A
GM growth 5YN/A
PLBC Yearly Profit, Operating, Gross MarginsPLBC Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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1

2. PLBC Health Analysis

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 a worse debt to assets ratio.
PLBC Yearly Shares OutstandingPLBC Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2M 4M 6M
PLBC Yearly Total Debt VS Total AssetsPLBC Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B

2.2 Solvency

  • PLBC has a debt to FCF ratio of 5.86. This is a neutral value as PLBC would need 5.86 years to pay back of all of its debts.
  • PLBC has a Debt to FCF ratio of 5.86. This is in the lower half of the industry: PLBC underperforms 74.21% of its industry peers.
  • A Debt/Equity ratio of 0.46 indicates that PLBC is not too dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.46, PLBC is doing worse than 75.00% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.46
Debt/FCF 5.86
Altman-Z N/A
ROIC/WACCN/A
WACC9.84%
PLBC Yearly LT Debt VS Equity VS FCFPLBC Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50M 100M 150M 200M 250M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
PLBC Yearly Current Assets VS Current LiabilitesPLBC Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. PLBC Growth Analysis

3.1 Past

  • The earnings per share for PLBC have decreased by -5.22% in the last year.
  • The Earnings Per Share has been growing by 10.41% on average over the past years. This is quite good.
  • The Revenue has grown by 19.19% 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 15.97% yearly.
EPS 1Y (TTM)-5.22%
EPS 3Y0.55%
EPS 5Y10.41%
EPS Q2Q%20.93%
Revenue 1Y (TTM)19.19%
Revenue growth 3Y12.22%
Revenue growth 5Y15.97%
Sales Q2Q%35.06%

3.2 Future

  • The Earnings Per Share is expected to grow by 13.06% on average over the next years. This is quite good.
  • The Revenue is expected to grow by 10.89% on average over the next years. This is quite good.
EPS Next Y20.8%
EPS Next 2Y13.06%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year16.93%
Revenue Next 2Y10.89%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
PLBC Yearly Revenue VS EstimatesPLBC Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 20M 40M 60M 80M 100M
PLBC Yearly EPS VS EstimatesPLBC Yearly EPS VS EstimatesYearly EPS VS Estimates 2023 2024 2025 2026 2027 1 2 3 4 5

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5

4. PLBC Valuation Analysis

4.1 Price/Earnings Ratio

  • PLBC is valuated reasonably with a Price/Earnings ratio of 11.00.
  • Based on the Price/Earnings ratio, PLBC is valued a bit cheaper than 67.63% of the companies in the same industry.
  • PLBC is valuated cheaply when we compare the Price/Earnings ratio to 26.17, which is the current average of the S&P500 Index.
  • Based on the Price/Forward Earnings ratio of 9.11, the valuation of PLBC can be described as reasonable.
  • Based on the Price/Forward Earnings ratio, PLBC is valued a bit cheaper than 77.37% of the companies in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 23.05, PLBC is valued rather cheaply.
Industry RankSector Rank
PE 11
Fwd PE 9.11
PLBC Price Earnings VS Forward Price EarningsPLBC Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, PLBC is valued a bit more expensive than the industry average as 70.53% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF 17.15
EV/EBITDA N/A
PLBC Per share dataPLBC EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • PLBC's earnings are expected to grow with 13.06% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.53
PEG (5Y)1.06
EPS Next 2Y13.06%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. PLBC Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 2.74%, PLBC has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.73, PLBC has a dividend in line with its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.89, PLBC pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.74%

5.2 History

  • The dividend of PLBC is nicely growing with an annual growth rate of 27.26%!
  • 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 past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)27.26%
Div Incr Years5
Div Non Decr Years5
PLBC Yearly Dividends per sharePLBC Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • PLBC pays out 26.07% 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.
DP26.07%
EPS Next 2Y13.06%
EPS Next 3YN/A
PLBC Yearly Income VS Free CF VS DividendPLBC Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20M 40M
PLBC Dividend Payout.PLBC Dividend Payout, showing the Payout Ratio.PLBC Dividend Payout.PayoutRetained Earnings

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PLBC Fundamentals: All Metrics, Ratios and Statistics

PLUMAS BANCORP

NASDAQ:PLBC (4/6/2026, 11:49:14 AM)

49.96

+0.56 (+1.13%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-21
Earnings (Next)04-22
Inst Owners45.58%
Inst Owner Change0%
Ins Owners5.8%
Ins Owner Change4.46%
Market Cap347.72M
Revenue(TTM)98.30M
Net Income(TTM)29.62M
Analysts84.44
Price Target58.48 (17.05%)
Short Float %1.14%
Short Ratio2.12
Dividend
Industry RankSector Rank
Dividend Yield 2.74%
Yearly Dividend1.2
Dividend Growth(5Y)27.26%
DP26.07%
Div Incr Years5
Div Non Decr Years5
Ex-Date02-04
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)25.3%
Min EPS beat(2)19.92%
Max EPS beat(2)30.68%
EPS beat(4)3
Avg EPS beat(4)7.12%
Min EPS beat(4)-27.11%
Max EPS beat(4)30.68%
EPS beat(8)6
Avg EPS beat(8)4.56%
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)-0.96%
Min Revenue beat(2)-4.22%
Max Revenue beat(2)2.29%
Revenue beat(4)2
Avg Revenue beat(4)-0.61%
Min Revenue beat(4)-4.22%
Max Revenue beat(4)3.59%
Revenue beat(8)4
Avg Revenue beat(8)-0.6%
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)6.17%
EPS NQ rev (1m)0%
EPS NQ rev (3m)3.16%
EPS NY rev (1m)-0.62%
EPS NY rev (3m)2.28%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.37%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.49%
Valuation
Industry RankSector Rank
PE 11
Fwd PE 9.11
P/S 3.54
P/FCF 17.15
P/OCF 16.11
P/B 1.33
P/tB 1.54
EV/EBITDA N/A
EPS(TTM)4.54
EY9.09%
EPS(NY)5.48
Fwd EY10.98%
FCF(TTM)2.91
FCFY5.83%
OCF(TTM)3.1
OCFY6.21%
SpS14.12
BVpS37.51
TBVpS32.44
PEG (NY)0.53
PEG (5Y)1.06
Graham Number61.9
Profitability
Industry RankSector Rank
ROA 1.32%
ROE 11.34%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 30.13%
GM N/A
FCFM 20.63%
ROA(3y)1.65%
ROA(5y)1.57%
ROE(3y)15.88%
ROE(5y)17.11%
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-7.45%
PM growth 5Y-0.5%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.46
Debt/FCF 5.86
Debt/EBITDA N/A
Cap/Depr 46.24%
Cap/Sales 1.33%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 68.46%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACC9.84%
ROIC/WACCN/A
Cap/Depr(3y)76.07%
Cap/Depr(5y)88.57%
Cap/Sales(3y)1.66%
Cap/Sales(5y)2.2%
Profit Quality(3y)97.93%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-5.22%
EPS 3Y0.55%
EPS 5Y10.41%
EPS Q2Q%20.93%
EPS Next Y20.8%
EPS Next 2Y13.06%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)19.19%
Revenue growth 3Y12.22%
Revenue growth 5Y15.97%
Sales Q2Q%35.06%
Revenue Next Year16.93%
Revenue Next 2Y10.89%
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-32.03%
FCF growth 3Y-27.8%
FCF growth 5Y-2.51%
OCF growth 1Y-29.24%
OCF growth 3Y-27.6%
OCF growth 5Y-2.6%

PLUMAS BANCORP / PLBC Fundamental Analysis FAQ

What is the fundamental rating for PLBC stock?

ChartMill assigns a fundamental rating of 4 / 10 to PLBC.


What is the valuation status for PLBC stock?

ChartMill assigns a valuation rating of 5 / 10 to PLUMAS BANCORP (PLBC). This can be considered as Fairly Valued.


Can you provide the profitability details for PLUMAS BANCORP?

PLUMAS BANCORP (PLBC) has a profitability rating of 4 / 10.


What is the expected EPS growth for PLUMAS BANCORP (PLBC) stock?

The Earnings per Share (EPS) of PLUMAS BANCORP (PLBC) is expected to grow by 20.8% in the next year.


How sustainable is the dividend of PLUMAS BANCORP (PLBC) stock?

The dividend rating of PLUMAS BANCORP (PLBC) is 6 / 10 and the dividend payout ratio is 26.07%.