A Business at a Glance
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PLUMAS BANCORP
PLBC
$400M
Mkt Cap
$61.33
+1.10%
PLUMAS BANCORP (PLBC) has a current P/E ratio of 14.5, compared to its historical median P/E of 7.8. The stock is currently considered Expensive based on its historical valuation range.
PLUMAS BANCORP (PLBC) has a 5-year average return on invested capital (ROIC) of 18.5%. This indicates strong capital allocation and a potential competitive advantage.
PLUMAS BANCORP (PLBC) has a market capitalization of $428M. It is classified as a small-cap stock.
Yes, PLUMAS BANCORP (PLBC) pays a dividend with a trailing twelve-month yield of 1.93%.
Based on historical P/E analysis, PLUMAS BANCORP (PLBC) appears expensive. The current P/E of 14.5 is 87% above its historical median of 7.8. The estimated fair value CAGR (P/E method) is 10.8%.
PLUMAS BANCORP (PLBC) operates in the Short-Term Business Credit Institutions industry, within the Financials sector.
PLUMAS BANCORP (PLBC) reported annual revenue of $98 million in its most recent fiscal year, based on SEC EDGAR filings.
References in this report to the “Company,” “we,” “us” and “our” refer to Plumas Bancorp and its consolidated subsidiary, unless the context indicates otherwise. References to the “Bank” refer to Company’s wholly-owned subsidiary, Plumas Bank. References to “Management” refer to the members of the Company’s management and references to the “Board of Directors” or the “Board” refer to the Company’s Board of Directors. The Company. Plumas Bancorp is a bank holding company headquartered in Reno, Nevada. Substantially all of the Company's operations are conducted through its subsidiary, Plumas Bank. The Company’s principal source of income is dividends from the Bank, but the Company may explore supplemental sources of income in the future.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 126M | 98M | 82M | 81M | 70M | 56M |
| Net Income | 32M | 30M | 29M | 30M | 26M | 21M |
| EPS | $4.78 | $4.54 | $4.80 | $5.02 | $4.47 | $3.76 |
| Free Cash Flow | 22M | 20M | 30M | 36M | 54M | -9.3M |
| ROIC | 0.0% | 13.5% | 17.6% | 22.4% | 20.9% | 17.9% |
| Gross Margin | - | 0.0% | - | - | - | - |
| Debt/Equity | 0.00 | 0.00 | 0.03 | 0.01 | 0.00 | 0.00 |
| Dividends/Share | $1.18 | $1.20 | $1.08 | $1.00 | $0.64 | $0.56 |
| Operating Income | 0 | 40M | 39M | 40M | 36M | 28M |
| Operating Margin | 0.0% | 40.3% | 47.3% | 49.9% | 51.3% | 51.2% |
| ROE | 12.1% | 13.5% | 17.6% | 22.4% | 20.9% | 17.9% |
| Shares Outstanding | 7M | 7M | 6M | 6M | 6M | 6M |
| Metric | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | 27M | 29M | 32M | 36M | 42M | 46M | 47M | 56M | 70M | 81M | 82M | 98M | 126M |
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.0% | N/A |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 9.5M | 10M | 10M | 12M | 12M | 13M | 13M | 13M | 17M | 20M | 22M | 26M | 28M |
| EBIT | 7.8M | 9.5M | 12M | 16M | 19M | 21M | 20M | 28M | 36M | 40M | 39M | 40M | 0 |
| Op. Margin | 29.2% | 32.7% | 38.6% | 42.8% | 45.6% | 46.8% | 42.6% | 51.2% | 51.3% | 49.9% | 47.3% | 40.3% | 0.0% |
| Net Income | 4.7M | 5.8M | 7.5M | 8.2M | 14M | 16M | 14M | 21M | 26M | 30M | 29M | 30M | 32M |
| Net Margin | 17.7% | 20.0% | 23.6% | 22.6% | 33.3% | 34.0% | 30.9% | 37.8% | 38.0% | 37.0% | 34.7% | 30.1% | 25.6% |
| Non-Recurring | 493K | 147K | 80K | -41K | 117K | 121K | 218K | 0 | 0 | 0 | 20M | 5.5M | 5.5M |
| Returns on Capital | |||||||||||||
| ROIC | 13.3% | 13.7% | 15.3% | 15.1% | 22.4% | 20.5% | 15.7% | 17.9% | 20.9% | 22.4% | 17.6% | 13.5% | 0.0% |
| ROE | 14.1% | 14.7% | 16.5% | 15.8% | 22.8% | 20.5% | 15.7% | 17.9% | 20.9% | 22.4% | 17.6% | 13.5% | 12.1% |
| ROA | 0.9% | 1.0% | 1.2% | 1.2% | 1.8% | 1.8% | 1.5% | 1.5% | 1.6% | 1.8% | 1.8% | 1.5% | 1.5% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | 5.3M | 7.2M | 8.9M | 11M | 16M | 15M | 25M | -8.4M | 57M | 38M | 31M | 22M | 23M |
| Free Cash Flow | 5.1M | 4.6M | 8.3M | 11M | 12M | 14M | 23M | -9.3M | 54M | 36M | 30M | 20M | 22M |
| Owner Earnings | 4.1M | 6.1M | 7.8M | 10M | 15M | 14M | 23M | -9.8M | 55M | 37M | 29M | 20M | 21M |
| CapEx | 225K | 2.6M | 600K | 531K | 3.9M | 1.4M | 1.6M | 931K | 3.0M | 2.3M | 678K | 1.3M | 1.3M |
| Maint. CapEx | 1.1M | 1.1M | 1.0M | 953K | 925K | 1.1M | 1.1M | 1.2M | 1.3M | 1.4M | 1.3M | 1.5M | 1.6M |
| Growth CapEx | 0 | 1.6M | 0 | 0 | 2.9M | 342K | 517K | 0 | 1.7M | 848K | 0 | 0 | 0 |
| D&A | 1.1M | 1.1M | 1.0M | 953K | 925K | 1.1M | 1.1M | 1.2M | 1.3M | 1.4M | 1.3M | 1.5M | 1.6M |
| CapEx/OCF | 4.2% | 36.6% | 6.7% | 4.6% | 24.7% | 9.0% | 6.5% | N/A | 5.3% | 5.9% | 2.2% | N/A | 5.4% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 0 | 0 | 489K | 1.4M | 1.8M | 2.4M | 1.9M | 3.1M | 3.7M | 5.9M | 6.4M | 7.7M | 8.3M |
| Dividend Yield | N/A | N/A | 1.1% | 1.7% | 1.6% | 2.2% | 1.9% | 2.0% | 2.1% | 2.9% | 2.9% | N/A | 1.9% |
| Share Buybacks | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Buyback Yield | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.0% | 0.0% |
| Stock-Based Comp | 81K | 70K | 116K | 152K | 199K | 224K | 255K | 223K | 262K | 322K | 502K | 343K | 382K |
| Debt Repayment | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Balance Sheet | |||||||||||||
| Net Debt | -45M | -63M | -60M | -223M | N/A | N/A | N/A | -686M | -628M | -574M | -515M | -80M | -63M |
| Cash & Equiv. | 46M | 68M | 63M | 88M | 47M | 47M | 185M | 381M | 183M | 86M | 82M | 81M | 63M |
| Long-Term Debt | 1.0M | 4.9M | 2.4M | 2.4M | N/A | N/A | N/A | 0 | 0 | N/A | N/A | N/A | 200K |
| Debt/Equity | 0.03 | 0.11 | 0.05 | 0.04 | 11.32 | 9.24 | 10.10 | 0.00 | 0.00 | 0.01 | 0.03 | 0.00 | 0.00 |
| Interest Coverage | 4.6 | 7.9 | 12.0 | 15.2 | 15.5 | 12.2 | 16.2 | 25.1 | 28.6 | 8.4 | 6.6 | 3.3 | 3.3 |
| Equity | 36M | 42M | 48M | 56M | 67M | 85M | 100M | 134M | 119M | 147M | 178M | 261M | 265M |
| Total Assets | 539M | 599M | 658M | 745M | 824M | 865M | 1.1B | 1.6B | 1.6B | 1.6B | 1.6B | 2.2B | 2.2B |
| Total Liabilities | 502M | 557M | 610M | 690M | 757M | 781M | 1.0B | 1.5B | 1.5B | 1.5B | 1.4B | 2.0B | 1.9B |
| Intangibles | 0 | 94K | 87K | 81K | N/A | N/A | N/A | N/A | N/A | N/A | 791K | 11M | 11M |
| Retained Earnings | 30M | 36M | 43M | 50M | 62M | 75M | 88M | 106M | 128M | 152M | 174M | 196M | 203M |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | 0 |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | 0 |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | 0 |
| Per Share Data | |||||||||||||
| EPS | 0.95 | 1.15 | 1.47 | 1.58 | 2.68 | 2.97 | 2.77 | 3.76 | 4.47 | 5.02 | 4.80 | 4.54 | 4.78 |
| Owner EPS | 0.83 | 1.21 | 1.53 | 2.00 | 2.78 | 2.72 | 4.46 | -1.76 | 9.34 | 6.17 | 4.82 | 3.02 | 3.08 |
| Book Value | 7.32 | 8.40 | 9.44 | 10.75 | 12.82 | 16.18 | 19.17 | 24.00 | 20.12 | 24.84 | 29.84 | 40.02 | 38.05 |
| Cash Flow/Share | 1.07 | 1.43 | 1.75 | 2.21 | 3.00 | 2.96 | 4.71 | -1.51 | 9.62 | 6.46 | 5.12 | 3.31 | 4.85 |
| Dividends/Share | 0.00 | N/A | 0.10 | 0.28 | 0.36 | 0.46 | 0.36 | 0.56 | 0.64 | 1.00 | 1.08 | 1.20 | 1.18 |
| Shares Out. | 5.0M | 5.1M | 5.1M | 5.2M | 5.2M | 5.2M | 5.2M | 5.6M | 5.9M | 5.9M | 6.0M | 6.5M | 7.0M |
| Valuation | |||||||||||||
| P/E Ratio | 7.1 | 6.2 | 10.0 | 12.3 | 7.3 | 7.7 | 7.5 | 7.8 | 7.4 | 7.8 | 9.5 | N/A | 12.8 |
| P/FCF | 6.5 | 7.9 | 9.0 | 9.2 | 8.6 | 8.5 | 4.7 | N/A | 3.6 | 6.4 | 9.1 | N/A | 19.3 |
| EV/EBIT | -1.2 | -2.5 | 1.1 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Price/Book | 0.9 | 0.8 | 1.6 | 1.8 | 1.5 | 1.4 | 1.1 | 1.2 | 1.6 | 1.6 | 1.5 | N/A | 1.6 |
| Price/Sales | 1.1 | 1.3 | 1.4 | 2.3 | N/A | N/A | 2.1 | 2.7 | 2.6 | 2.5 | 2.7 | N/A | 3.4 |
| FCF Yield | 15.3% | 12.7% | 11.1% | 10.9% | 11.6% | 11.8% | 21.2% | -5.7% | 27.6% | 15.6% | 11.0% | N/A | 5.2% |
| Market Cap | 33M | 36M | 75M | 101M | 102M | 119M | 109M | 164M | 195M | 231M | 271M | 0 | 428M |
| Avg. Price | 5.92 | 7.47 | 8.57 | 16.34 | 21.65 | 20.33 | 18.90 | 27.22 | 30.26 | 33.78 | 37.21 | 0.00 | 61.33 |
| Year-End Price | 6.71 | 7.12 | 14.66 | 19.40 | 19.47 | 22.80 | 20.81 | 29.39 | 33.04 | 38.91 | 45.37 | 0.00 | 61.33 |
PLUMAS BANCORP passes 3 of 9 quality checks, indicating weak fundamentals.
PLUMAS BANCORP trades at 14.5x trailing earnings, compared to its 15-year median P/E of 7.8x, suggesting it is currently Expensive relative to its historical range. On a free-cash-flow basis, the stock trades at 19.1x vs a median of 8.5x. The company's 5-year average ROIC is 18.5%. Total shareholder yield (dividends) is 1.9%. At current prices, the estimated annualized return to fair value is +11.8%.
PLUMAS BANCORP (PLBC) has a net profit margin of 30.1%. This is a strong margin indicating high profitability.
PLUMAS BANCORP (PLBC) generated $20 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
PLUMAS BANCORP (PLBC) has a debt-to-equity ratio of 0.00. This indicates a conservatively financed balance sheet.
PLUMAS BANCORP (PLBC) reported earnings per share (EPS) of $4.54 in its most recent fiscal year.
PLUMAS BANCORP (PLBC) has a return on equity (ROE) of 13.5%. This indicates moderate shareholder returns.
The Ledger Terminal provides 16 years of financial data for PLUMAS BANCORP (PLBC), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
PLUMAS BANCORP (PLBC) has a book value per share of $40.02, based on its most recent annual SEC filing.