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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 2.70
PLBC's Cash to Debt is ranked higher than
58% of the 984 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.36 vs. PLBC: 2.70 )
Ranked among companies with meaningful Cash to Debt only.
PLBC' s 10-Year Cash to Debt Range
Min: 0.37  Med: 2.64 Max: No Debt
Current: 2.7
Equity to Asset 0.07
PLBC's Equity to Asset is ranked lower than
77% of the 1355 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  Med: 0.08 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 1272 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.60 vs. PLBC: 4.62 )
Ranked among companies with meaningful Interest Coverage only.
PLBC' s 10-Year Interest Coverage Range
Min: 0.02  Med: 1.29 Max: 4.62
Current: 4.62
0.02
4.62
F-Score: 5
WACC vs ROIC
6.17%
71.87%
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 (%) 30.77
PLBC's Operating margin (%) is ranked higher than
52% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.25 vs. PLBC: 30.77 )
Ranked among companies with meaningful Operating margin (%) only.
PLBC' s 10-Year Operating margin (%) Range
Min: -272.37  Med: 23.76 Max: 30.33
Current: 30.77
-272.37
30.33
Net-margin (%) 18.70
PLBC's Net-margin (%) is ranked lower than
61% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.01 vs. PLBC: 18.70 )
Ranked among companies with meaningful Net-margin (%) only.
PLBC' s 10-Year Net-margin (%) Range
Min: -36.68  Med: 16.85 Max: 96.1
Current: 18.7
-36.68
96.1
ROE (%) 14.40
PLBC's ROE (%) is ranked higher than
79% of the 1427 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.44 vs. PLBC: 14.40 )
Ranked among companies with meaningful ROE (%) only.
PLBC' s 10-Year ROE (%) Range
Min: -24.83  Med: 13.38 Max: 15.53
Current: 14.4
-24.83
15.53
ROA (%) 0.97
PLBC's ROA (%) is ranked higher than
58% of the 1436 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. PLBC: 0.97 )
Ranked among companies with meaningful ROA (%) only.
PLBC' s 10-Year ROA (%) Range
Min: -1.86  Med: 0.90 Max: 1.12
Current: 0.97
-1.86
1.12
Revenue Growth (3Y)(%) 2.30
PLBC's Revenue Growth (3Y)(%) is ranked higher than
51% of the 1215 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. PLBC: 2.30 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
PLBC' s 10-Year Revenue Growth (3Y)(%) Range
Min: -2.7  Med: 2.30 Max: 95.4
Current: 2.3
-2.7
95.4
EBITDA Growth (3Y)(%) 49.30
PLBC's EBITDA Growth (3Y)(%) is ranked higher than
94% of the 1072 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. PLBC: 49.30 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
PLBC' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -39.4  Med: 11.00 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 1070 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.60 vs. PLBC: 166.80 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
PLBC' s 10-Year EPS Growth (3Y)(%) Range
Min: -59.3  Med: 8.60 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) 7.91
PLBC's P/E(ttm) is ranked higher than
79% of the 1293 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.10 vs. PLBC: 7.91 )
Ranked among companies with meaningful P/E(ttm) only.
PLBC' s 10-Year P/E(ttm) Range
Min: 7.21  Med: 16.70 Max: 151.11
Current: 7.91
7.21
151.11
PE(NRI) 8.40
PLBC's PE(NRI) is ranked higher than
79% of the 1291 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.20 vs. PLBC: 8.40 )
Ranked among companies with meaningful PE(NRI) only.
PLBC' s 10-Year PE(NRI) Range
Min: 7.2  Med: 16.71 Max: 136
Current: 8.4
7.2
136
P/B 1.01
PLBC's P/B is ranked lower than
52% of the 1370 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.06 vs. PLBC: 1.01 )
Ranked among companies with meaningful P/B only.
PLBC' s 10-Year P/B Range
Min: 0.3  Med: 1.05 Max: 4.25
Current: 1.01
0.3
4.25
P/S 1.49
PLBC's P/S is ranked higher than
81% of the 1409 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.86 vs. PLBC: 1.49 )
Ranked among companies with meaningful P/S only.
PLBC' s 10-Year P/S Range
Min: 0.33  Med: 1.39 Max: 17.66
Current: 1.49
0.33
17.66
POCF 165.60
PLBC's POCF is ranked lower than
99% of the 956 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.00 vs. PLBC: 165.60 )
Ranked among companies with meaningful POCF only.
PLBC' s 10-Year POCF Range
Min: 0.94  Med: 5.01 Max: 196
Current: 165.6
0.94
196
EV-to-EBIT 1.61
PLBC's EV-to-EBIT is ranked higher than
98% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.41 vs. PLBC: 1.61 )
Ranked among companies with meaningful EV-to-EBIT only.
PLBC' s 10-Year EV-to-EBIT Range
Min: -51.9  Med: 2.10 Max: 659.6
Current: 1.61
-51.9
659.6
Shiller P/E 33.34
PLBC's Shiller P/E is ranked lower than
88% of the 786 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.81 vs. PLBC: 33.34 )
Ranked among companies with meaningful Shiller P/E only.
PLBC' s 10-Year Shiller P/E Range
Min: 5.97  Med: 13.68 Max: 195
Current: 33.34
5.97
195
Days Sales Outstanding 132.34
PLBC's Days Sales Outstanding is ranked lower than
81% of the 795 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 34.20 vs. PLBC: 132.34 )
Ranked among companies with meaningful Days Sales Outstanding only.
PLBC' s 10-Year Days Sales Outstanding Range
Min: 121.25  Med: 171.99 Max: 317.58
Current: 132.34
121.25
317.58

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.04
PLBC's Price/Tangible Book is ranked higher than
55% of the 1347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. PLBC: 1.04 )
Ranked among companies with meaningful Price/Tangible Book only.
PLBC' s 10-Year Price/Tangible Book Range
Min: 0.38  Med: 1.19 Max: 4.5
Current: 1.04
0.38
4.5
Price/Projected FCF 0.51
PLBC's Price/Projected FCF is ranked higher than
65% of the 805 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.65 vs. PLBC: 0.51 )
Ranked among companies with meaningful Price/Projected FCF only.
PLBC' s 10-Year Price/Projected FCF Range
Min: 0.13  Med: 0.33 Max: 0.83
Current: 0.51
0.13
0.83
Price/Median PS Value 1.09
PLBC's Price/Median PS Value is ranked lower than
63% of the 1310 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. PLBC: 1.09 )
Ranked among companies with meaningful Price/Median PS Value only.
PLBC' s 10-Year Price/Median PS Value Range
Min: 0.28  Med: 1.30 Max: 11.4
Current: 1.09
0.28
11.4
Price/Peter Lynch Fair Value 27.26
PLBC's Price/Peter Lynch Fair Value is ranked lower than
615% of the 371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.91 vs. PLBC: 27.26 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
PLBC' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.73  Med: 1.47 Max: 24.19
Current: 27.26
0.73
24.19
Price/Graham Number 0.60
PLBC's Price/Graham Number is ranked higher than
72% of the 1181 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.82 vs. PLBC: 0.60 )
Ranked among companies with meaningful Price/Graham Number only.
PLBC' s 10-Year Price/Graham Number Range
Min: 0.34  Med: 1.10 Max: 2.43
Current: 0.6
0.34
2.43
Earnings Yield (Greenblatt) (%) 61.88
PLBC's Earnings Yield (Greenblatt) (%) is ranked higher than
98% of the 1408 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. PLBC: 61.88 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
PLBC' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.2  Med: 9.70 Max: 1385.9
Current: 61.88
0.2
1385.9
Forward Rate of Return (Yacktman) (%) 23.67
PLBC's Forward Rate of Return (Yacktman) (%) is ranked higher than
68% of the 792 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.82 vs. PLBC: 23.67 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
PLBC' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: 14.3  Med: 23.70 Max: 49.9
Current: 23.67
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.
» More Articles for PLBC

Headlines

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Plumas Bancorp Reports Operating Results (10-Q) Oct 27 2010 
Plumas Bancorp (PLBC) CFO Richard L Belstock buys 1,500 Shares Aug 23 2010 
Plumas Bancorp Reports Operating Results (10-Q) Jul 28 2010 
Plumas Bancorp Reports Operating Results (10-Q) Apr 28 2010 
Plumas Bancorp Reports Operating Results (10-Q) Nov 02 2009 
Plumas Bancorp Reports Operating Results (10-Q) May 13 2009 

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PLUMAS BANCORP Financials Aug 13 2015
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