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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 3.32
PLBC's Cash to Debt is ranked higher than
82% of the 1570 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. PLBC: 3.32 )
PLBC' s 10-Year Cash to Debt Range
Min: 0.37   Max: No Debt
Current: 3.32

Equity to Asset 0.06
PLBC's Equity to Asset is ranked higher than
53% of the 2021 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. PLBC: 0.06 )
PLBC' s 10-Year Equity to Asset Range
Min: -0.77   Max: 0.1
Current: 0.06

-0.77
0.1
Interest Coverage 3.65
PLBC's Interest Coverage is ranked higher than
86% of the 1845 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. PLBC: 3.65 )
PLBC' s 10-Year Interest Coverage Range
Min: 0.02   Max: 3.65
Current: 3.65

0.02
3.65
F-Score: 5
Z-Score: 0.22
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 (%) 27.43
PLBC's Operating margin (%) is ranked higher than
72% of the 2032 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.47 vs. PLBC: 27.43 )
PLBC' s 10-Year Operating margin (%) Range
Min: -272.37   Max: 30.33
Current: 27.43

-272.37
30.33
Net-margin (%) 16.63
PLBC's Net-margin (%) is ranked higher than
66% of the 2032 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.42 vs. PLBC: 16.63 )
PLBC' s 10-Year Net-margin (%) Range
Min: -36.68   Max: 96.1
Current: 16.63

-36.68
96.1
ROE (%) 13.15
PLBC's ROE (%) is ranked higher than
90% of the 2042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.60 vs. PLBC: 13.15 )
PLBC' s 10-Year ROE (%) Range
Min: -24.83   Max: 15.53
Current: 13.15

-24.83
15.53
ROA (%) 0.82
PLBC's ROA (%) is ranked higher than
74% of the 2045 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. PLBC: 0.82 )
PLBC' s 10-Year ROA (%) Range
Min: -1.86   Max: 1.12
Current: 0.82

-1.86
1.12
ROC (Joel Greenblatt) (%) 58.01
PLBC's ROC (Joel Greenblatt) (%) is ranked higher than
71% of the 2013 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 77.18 vs. PLBC: 58.01 )
PLBC' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -69.96   Max: 108.82
Current: 58.01

-69.96
108.82
Revenue Growth (3Y)(%) -2.60
PLBC's Revenue Growth (3Y)(%) is ranked higher than
66% of the 1748 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. PLBC: -2.60 )
PLBC' s 10-Year Revenue Growth (3Y)(%) Range
Min: -2.6   Max: 95.4
Current: -2.6

-2.6
95.4
EBITDA Growth (3Y)(%) 30.70
PLBC's EBITDA Growth (3Y)(%) is ranked higher than
93% of the 1569 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. PLBC: 30.70 )
PLBC' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -39.4   Max: 30.7
Current: 30.7

-39.4
30.7
EPS Growth (3Y)(%) 132.10
PLBC's EPS Growth (3Y)(%) is ranked higher than
99% of the 1550 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 vs. PLBC: 132.10 )
PLBC' s 10-Year EPS Growth (3Y)(%) Range
Min: -59.3   Max: 132.1
Current: 132.1

-59.3
132.1
» PLBC's 10-Y Financials

Financials


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

» Details

Insider Trades

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Ratios

vs
industry
vs
history
P/E(ttm) 9.10
PLBC's P/E(ttm) is ranked higher than
93% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.00 vs. PLBC: 9.10 )
PLBC' s 10-Year P/E(ttm) Range
Min: 7.21   Max: 151.11
Current: 9.1

7.21
151.11
P/B 1.10
PLBC's P/B is ranked higher than
78% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.33 vs. PLBC: 1.10 )
PLBC' s 10-Year P/B Range
Min: 0.3   Max: 4.24
Current: 1.1

0.3
4.24
P/S 1.50
PLBC's P/S is ranked higher than
93% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.59 vs. PLBC: 1.50 )
PLBC' s 10-Year P/S Range
Min: 0.33   Max: 17.66
Current: 1.5

0.33
17.66
PFCF 8.10
PLBC's PFCF is ranked higher than
89% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. PLBC: 8.10 )
PLBC' s 10-Year PFCF Range
Min: 0.99   Max: 47.9
Current: 8.1

0.99
47.9
EV-to-EBIT -0.67
PLBC's EV-to-EBIT is ranked higher than
54% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.57 vs. PLBC: -0.67 )
PLBC' s 10-Year EV-to-EBIT Range
Min: -51.9   Max: 659.6
Current: -0.67

-51.9
659.6

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.13
PLBC's Price/Tangible Book is ranked higher than
82% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.60 vs. PLBC: 1.13 )
PLBC' s 10-Year Price/Tangible Book Range
Min: 0.38   Max: 4.49
Current: 1.13

0.38
4.49
Price/DCF (Projected) 0.48
PLBC's Price/DCF (Projected) is ranked higher than
92% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.17 vs. PLBC: 0.48 )
PLBC' s 10-Year Price/DCF (Projected) Range
Min: 0.15   Max: 0.91
Current: 0.48

0.15
0.91
Price/Median PS Value 1.12
PLBC's Price/Median PS Value is ranked higher than
78% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.22 vs. PLBC: 1.12 )
PLBC' s 10-Year Price/Median PS Value Range
Min: 0.28   Max: 11.4
Current: 1.12

0.28
11.4
Price/Graham Number 0.67
PLBC's Price/Graham Number is ranked higher than
90% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. PLBC: 0.67 )
PLBC' s 10-Year Price/Graham Number Range
Min: 0.34   Max: 2.43
Current: 0.67

0.34
2.43
Earnings Yield (Greenblatt) -150.80
PLBC's Earnings Yield (Greenblatt) is ranked lower than
54% of the 2006 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. PLBC: -150.80 )
PLBC' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.2   Max: 1385.9
Current: -150.8

0.2
1385.9
Forward Rate of Return (Yacktman) 19.71
PLBC's Forward Rate of Return (Yacktman) is ranked higher than
78% of the 1250 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.90 vs. PLBC: 19.71 )
PLBC' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 14.3   Max: 49.9
Current: 19.71

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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Avoid These High-Risk Net Cash Stocks: PLBC, INTL, VISN Nov 08 2012 
Weekly CFO Buys Highlight: CYTR, API, CLGX, PLBC, ARTC Mar 05 2012 
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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 Files SEC form 8-K, Submission of Matters to a Vote of Security Holders May 22 2014
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