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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 2.59
PLBC's Cash to Debt is ranked higher than
58% of the 973 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.46 vs. PLBC: 2.59 )
Ranked among companies with meaningful Cash to Debt only.
PLBC' s 10-Year Cash to Debt Range
Min: 0.37   Max: No Debt
Current: 2.59

Equity to Asset 0.07
PLBC's Equity to Asset is ranked lower than
76% of the 1283 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. PLBC: 0.07 )
Ranked among companies with meaningful Equity to Asset only.
PLBC' s 10-Year Equity to Asset Range
Min: -0.77   Max: 0.1
Current: 0.07

-0.77
0.1
Interest Coverage 4.62
PLBC's Interest Coverage is ranked higher than
78% of the 1196 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.68 vs. PLBC: 4.62 )
Ranked among companies with meaningful Interest Coverage only.
PLBC' s 10-Year Interest Coverage Range
Min: 0.02   Max: 4.62
Current: 4.62

0.02
4.62
F-Score: 5
Z-Score: 0.24
WACC vs ROIC
6.45%
97.27%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 5/10

vs
industry
vs
history
Operating margin (%) 30.09
PLBC's Operating margin (%) is ranked higher than
52% of the 1347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.16 vs. PLBC: 30.09 )
Ranked among companies with meaningful Operating margin (%) only.
PLBC' s 10-Year Operating margin (%) Range
Min: -272.37   Max: 30.33
Current: 30.09

-272.37
30.33
Net-margin (%) 18.21
PLBC's Net-margin (%) is ranked lower than
61% of the 1347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.21 vs. PLBC: 18.21 )
Ranked among companies with meaningful Net-margin (%) only.
PLBC' s 10-Year Net-margin (%) Range
Min: -36.68   Max: 96.1
Current: 18.21

-36.68
96.1
ROE (%) 14.34
PLBC's ROE (%) is ranked higher than
82% of the 1344 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.17 vs. PLBC: 14.34 )
Ranked among companies with meaningful ROE (%) only.
PLBC' s 10-Year ROE (%) Range
Min: -24.83   Max: 15.53
Current: 14.34

-24.83
15.53
ROA (%) 0.94
PLBC's ROA (%) is ranked higher than
60% of the 1351 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.81 vs. PLBC: 0.94 )
Ranked among companies with meaningful ROA (%) only.
PLBC' s 10-Year ROA (%) Range
Min: -1.86   Max: 1.12
Current: 0.94

-1.86
1.12
ROC (Joel Greenblatt) (%) 69.91
PLBC's ROC (Joel Greenblatt) (%) is ranked lower than
52% of the 1333 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 75.43 vs. PLBC: 69.91 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
PLBC' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -69.96   Max: 108.82
Current: 69.91

-69.96
108.82
Revenue Growth (3Y)(%) 2.30
PLBC's Revenue Growth (3Y)(%) is ranked higher than
54% of the 1133 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. PLBC: 2.30 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
PLBC' s 10-Year Revenue Growth (3Y)(%) Range
Min: -2.7   Max: 95.4
Current: 2.3

-2.7
95.4
EBITDA Growth (3Y)(%) 49.30
PLBC's EBITDA Growth (3Y)(%) is ranked higher than
95% of the 986 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. PLBC: 49.30 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
PLBC' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -39.4   Max: 49.3
Current: 49.3

-39.4
49.3
EPS Growth (3Y)(%) 166.80
PLBC's EPS Growth (3Y)(%) is ranked higher than
99% of the 1002 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.10 vs. PLBC: 166.80 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
PLBC' s 10-Year EPS Growth (3Y)(%) Range
Min: -59.3   Max: 166.8
Current: 166.8

-59.3
166.8
» PLBC's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

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Ratios

vs
industry
vs
history
P/E(ttm) 9.30
PLBC's P/E(ttm) is ranked higher than
80% of the 1418 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.10 vs. PLBC: 9.30 )
Ranked among companies with meaningful P/E(ttm) only.
PLBC' s 10-Year P/E(ttm) Range
Min: 7.21   Max: 151.11
Current: 9.3

7.21
151.11
PE(NRI) 9.10
PLBC's PE(NRI) is ranked higher than
80% of the 1209 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.10 vs. PLBC: 9.10 )
Ranked among companies with meaningful PE(NRI) only.
PLBC' s 10-Year PE(NRI) Range
Min: 7.2   Max: 136
Current: 9.1

7.2
136
P/B 1.20
PLBC's P/B is ranked lower than
58% of the 1629 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. PLBC: 1.20 )
Ranked among companies with meaningful P/B only.
PLBC' s 10-Year P/B Range
Min: 0.3   Max: 4.24
Current: 1.2

0.3
4.24
P/S 1.70
PLBC's P/S is ranked higher than
81% of the 2101 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.90 vs. PLBC: 1.70 )
Ranked among companies with meaningful P/S only.
PLBC' s 10-Year P/S Range
Min: 0.33   Max: 17.66
Current: 1.7

0.33
17.66
PFCF 15.50
PLBC's PFCF is ranked lower than
68% of the 1116 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.70 vs. PLBC: 15.50 )
Ranked among companies with meaningful PFCF only.
PLBC' s 10-Year PFCF Range
Min: 0.99   Max: 63.1
Current: 15.5

0.99
63.1
POCF 13.53
PLBC's POCF is ranked lower than
71% of the 960 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.38 vs. PLBC: 13.53 )
Ranked among companies with meaningful POCF only.
PLBC' s 10-Year POCF Range
Min: 0.94   Max: 187.5
Current: 13.53

0.94
187.5
EV-to-EBIT 1.74
PLBC's EV-to-EBIT is ranked higher than
97% of the 1370 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.35 vs. PLBC: 1.74 )
Ranked among companies with meaningful EV-to-EBIT only.
PLBC' s 10-Year EV-to-EBIT Range
Min: -51.9   Max: 659.6
Current: 1.74

-51.9
659.6
Shiller P/E 127.30
PLBC's Shiller P/E is ranked lower than
98% of the 1028 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.00 vs. PLBC: 127.30 )
Ranked among companies with meaningful Shiller P/E only.
PLBC' s 10-Year Shiller P/E Range
Min: 5.97   Max: 195
Current: 127.3

5.97
195
Days Sales Outstanding 117.11
PLBC's Days Sales Outstanding is ranked lower than
79% of the 770 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 34.67 vs. PLBC: 117.11 )
Ranked among companies with meaningful Days Sales Outstanding only.
PLBC' s 10-Year Days Sales Outstanding Range
Min: 121.25   Max: 317.58
Current: 117.11

121.25
317.58

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.20
PLBC's Price/Tangible Book is ranked higher than
54% of the 1632 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. PLBC: 1.20 )
Ranked among companies with meaningful Price/Tangible Book only.
PLBC' s 10-Year Price/Tangible Book Range
Min: 0.38   Max: 4.49
Current: 1.2

0.38
4.49
Price/DCF (Projected) 0.50
PLBC's Price/DCF (Projected) is ranked higher than
72% of the 954 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.70 vs. PLBC: 0.50 )
Ranked among companies with meaningful Price/DCF (Projected) only.
PLBC' s 10-Year Price/DCF (Projected) Range
Min: 0.14   Max: 0.91
Current: 0.5

0.14
0.91
Price/Median PS Value 1.20
PLBC's Price/Median PS Value is ranked lower than
59% of the 1605 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. PLBC: 1.20 )
Ranked among companies with meaningful Price/Median PS Value only.
PLBC' s 10-Year Price/Median PS Value Range
Min: 0.28   Max: 11.4
Current: 1.2

0.28
11.4
Price/Peter Lynch Fair Value 30.40
PLBC's Price/Peter Lynch Fair Value is ranked lower than
100% of the 467 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. PLBC: 30.40 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
PLBC' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.73   Max: 24.19
Current: 30.4

0.73
24.19
Price/Graham Number 0.70
PLBC's Price/Graham Number is ranked higher than
74% of the 1422 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. PLBC: 0.70 )
Ranked among companies with meaningful Price/Graham Number only.
PLBC' s 10-Year Price/Graham Number Range
Min: 0.34   Max: 2.43
Current: 0.7

0.34
2.43
Earnings Yield (Greenblatt) 57.00
PLBC's Earnings Yield (Greenblatt) is ranked higher than
98% of the 1502 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. PLBC: 57.00 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) only.
PLBC' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.2   Max: 1385.9
Current: 57

0.2
1385.9
Forward Rate of Return (Yacktman) 18.02
PLBC's Forward Rate of Return (Yacktman) is ranked higher than
57% of the 761 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.69 vs. PLBC: 18.02 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) only.
PLBC' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 14.3   Max: 49.9
Current: 18.02

14.3
49.9

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Plumas Bancorp was incorporated in January 2002, is a California corporation. The Company is a bank holding company provides banking and investment services. It acquired all of the outstanding shares of Plumas Bank in June 2002. The Company's source of income is dividends from the Bank. Its deposit accounts are insured by the Federal Deposit Insurance Corporation up to maximum insurable amounts. The Bank's main service area covers the Northeastern portion of California, with Lake Tahoe to the South and the Oregon border to the North. The Bank, through its eleven branch network, serves the seven contiguous California counties of Plumas, Nevada, Sierra, Placer, Lassen, Modoc and Shasta. The branches are located in the communities of Quincy, Portola, Greenville, Truckee, Fall River Mills, Alturas, Susanville, Chester, Tahoe City, Kings Beach and Redding. The Bank maintains fifteen automated teller machines tied in with major statewide and national networks. In addition to its branch network, the Bank operates a lending office specializing in government-guaranteed lending in Auburn, California. The Bank's primary business is servicing the banking needs of these communities. The Bank has positioned itself as a multi-community independent bank serving the financial needs of individuals and businesses within the Bank's geographic footprint. Its retail lending services include consumer, automobile and home equity loans. Its commercial lending services include term real estate, commercial and industrial term loans. In addition, it provides government-guaranteed and agricultural loans as well as credit lines. It provides land development and construction loans on a limited basis. It also offer deposit products for the retail and commercial banking markets including checking, interest-bearing checking, business sweep, public funds sweep, savings, time deposit and retirement accounts, as well as remote deposit, telephone and mobile banking and internet banking with bill-pay options. Interest bearing deposits include high yield sweep accounts designed for the Company's commercial customers and for public entities such as municipalities. In addition it offers a premium interest bearing checking account for its consumer customers. The Company's deposits are attracted from individuals, business-related sources and smaller municipal entities. Its competitors include savings institutions, credit unions, and numerous non-banking institutions such as finance companies, leasing companies, insurance companies, brokerage firms, and investment banking firms. The Company is a registered under the Bank Holding Company Act and is subject to the supervision of the Board of Governors of the Federal Reserve System.
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More From Other Websites
10-Q for Plumas Bancorp May 08 2015
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Plumas Bank Agrees to Purchase Redding, California Branch From Rabobank Apr 21 2015
Plumas Bank Agrees to Purchase Redding, California Branch From Rabobank Apr 21 2015
Plumas Bancorp Reports Record First Quarter Earnings Apr 16 2015
PLUMAS BANCORP Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Apr 16 2015
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Plumas Bank to Open Full-Service Branch in Reno, Nevada Feb 26 2015
Plumas Bank to Open Full-Service Branch in Reno, Nevada Feb 26 2015
Plumas Bank Expands Its Presence in Northern Nevada Feb 05 2015
Plumas Bancorp Reports a 38% Increase in Year End Net Income Jan 27 2015
PLUMAS BANCORP Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Jan 27 2015
Plumas Bank Ranked in Top Ten Percent of Commercial Banks Dec 18 2014
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PLUMAS BANCORP Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Oct 16 2014
PLUMAS BANCORP Files SEC form 10-Q, Quarterly Report Aug 06 2014

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