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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 4.94
PLBC's Cash-to-Debt is ranked higher than
64% of the 1366 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.88 vs. PLBC: 4.94 )
Ranked among companies with meaningful Cash-to-Debt only.
PLBC' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.37  Med: 3.89 Max: No Debt
Current: 4.94
Equity-to-Asset 0.07
PLBC's Equity-to-Asset is ranked lower than
77% of the 1372 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 Equity-to-Asset Range Over the Past 10 Years
Min: 0.06  Med: 0.07 Max: 0.09
Current: 0.07
0.06
0.09
Interest Coverage 11.96
PLBC's Interest Coverage is ranked higher than
90% of the 1606 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.67 vs. PLBC: 11.96 )
Ranked among companies with meaningful Interest Coverage only.
PLBC' s Interest Coverage Range Over the Past 10 Years
Min: 0.02  Med: 2.37 Max: 11.96
Current: 11.96
0.02
11.96
Piotroski F-Score: 4
Beneish M-Score: -2.21
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 : 7/10

vs
industry
vs
history
Operating Margin % 38.55
PLBC's Operating Margin % is ranked higher than
70% of the 1383 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.69 vs. PLBC: 38.55 )
Ranked among companies with meaningful Operating Margin % only.
PLBC' s Operating Margin % Range Over the Past 10 Years
Min: -63.86  Med: 17.76 Max: 38.55
Current: 38.55
-63.86
38.55
Net Margin % 23.55
PLBC's Net Margin % is ranked higher than
55% of the 1381 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.17 vs. PLBC: 23.55 )
Ranked among companies with meaningful Net Margin % only.
PLBC' s Net Margin % Range Over the Past 10 Years
Min: -36.68  Med: 11.09 Max: 23.56
Current: 23.55
-36.68
23.56
ROE % 16.23
PLBC's ROE % is ranked higher than
89% of the 1380 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.35 vs. PLBC: 16.23 )
Ranked among companies with meaningful ROE % only.
PLBC' s ROE % Range Over the Past 10 Years
Min: -26.54  Med: 6.59 Max: 16.52
Current: 16.23
-26.54
16.52
ROA % 1.20
PLBC's ROA % is ranked higher than
74% of the 1387 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. PLBC: 1.20 )
Ranked among companies with meaningful ROA % only.
PLBC' s ROA % Range Over the Past 10 Years
Min: -1.86  Med: 0.56 Max: 1.2
Current: 1.2
-1.86
1.2
3-Year Revenue Growth Rate 7.40
PLBC's 3-Year Revenue Growth Rate is ranked higher than
68% of the 1247 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.90 vs. PLBC: 7.40 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
PLBC' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -2.6  Med: 5.1 Max: 94.9
Current: 7.4
-2.6
94.9
3-Year EBITDA Growth Rate 18.70
PLBC's 3-Year EBITDA Growth Rate is ranked higher than
80% of the 1158 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.00 vs. PLBC: 18.70 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
PLBC' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -39.5  Med: 13.4 Max: 49
Current: 18.7
-39.5
49
3-Year EPS without NRI Growth Rate 25.10
PLBC's 3-Year EPS without NRI Growth Rate is ranked higher than
84% of the 1132 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. PLBC: 25.10 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
PLBC' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -59.3  Med: 11.6 Max: 166.8
Current: 25.1
-59.3
166.8
GuruFocus has detected 3 Warning Signs with Plumas Bancorp $PLBC.
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» PLBC's 10-Y Financials

Financials (Next Earnings Date: Est. 2017-04-18)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6153
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Plumas Bancorp is a bank holding company for Plumas Bank. It provides banking and investment services. Its source of income is dividends from the bank.

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 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.

Ratios

vs
industry
vs
history
PE Ratio 11.93
PLBC's PE Ratio is ranked higher than
62% of the 1316 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.29 vs. PLBC: 11.93 )
Ranked among companies with meaningful PE Ratio only.
PLBC' s PE Ratio Range Over the Past 10 Years
Min: 6.83  Med: 14.53 Max: 136
Current: 11.93
6.83
136
PE Ratio without NRI 11.93
PLBC's PE Ratio without NRI is ranked higher than
63% of the 1296 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.49 vs. PLBC: 11.93 )
Ranked among companies with meaningful PE Ratio without NRI only.
PLBC' s PE Ratio without NRI Range Over the Past 10 Years
Min: 6.83  Med: 14.53 Max: 136
Current: 11.93
6.83
136
Price-to-Owner-Earnings 11.30
PLBC's Price-to-Owner-Earnings is ranked higher than
64% of the 826 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.11 vs. PLBC: 11.30 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
PLBC' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 1.56  Med: 9.22 Max: 22.75
Current: 11.3
1.56
22.75
PB Ratio 1.81
PLBC's PB Ratio is ranked lower than
81% of the 1391 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. PLBC: 1.81 )
Ranked among companies with meaningful PB Ratio only.
PLBC' s PB Ratio Range Over the Past 10 Years
Min: 0.3  Med: 0.99 Max: 2.94
Current: 1.81
0.3
2.94
PS Ratio 2.79
PLBC's PS Ratio is ranked higher than
60% of the 1383 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.34 vs. PLBC: 2.79 )
Ranked among companies with meaningful PS Ratio only.
PLBC' s PS Ratio Range Over the Past 10 Years
Min: 0.33  Med: 1.39 Max: 4.83
Current: 2.79
0.33
4.83
Price-to-Free-Cash-Flow 12.64
PLBC's Price-to-Free-Cash-Flow is ranked higher than
56% of the 773 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.10 vs. PLBC: 12.64 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
PLBC' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 0.98  Med: 7.96 Max: 59.25
Current: 12.64
0.98
59.25
Price-to-Operating-Cash-Flow 11.87
PLBC's Price-to-Operating-Cash-Flow is ranked higher than
53% of the 824 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.79 vs. PLBC: 11.87 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
PLBC' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 0.94  Med: 6.06 Max: 257.89
Current: 11.87
0.94
257.89
EV-to-EBIT 2.94
PLBC's EV-to-EBIT is ranked higher than
89% of the 1066 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.64 vs. PLBC: 2.94 )
Ranked among companies with meaningful EV-to-EBIT only.
PLBC' s EV-to-EBIT Range Over the Past 10 Years
Min: -51.9  Med: 0.9 Max: 663.7
Current: 2.94
-51.9
663.7
EV-to-EBITDA 2.78
PLBC's EV-to-EBITDA is ranked higher than
89% of the 1072 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.46 vs. PLBC: 2.78 )
Ranked among companies with meaningful EV-to-EBITDA only.
PLBC' s EV-to-EBITDA Range Over the Past 10 Years
Min: -49.6  Med: 0.7 Max: 29.4
Current: 2.78
-49.6
29.4
PEG Ratio 0.36
PLBC's PEG Ratio is ranked higher than
90% of the 731 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.55 vs. PLBC: 0.36 )
Ranked among companies with meaningful PEG Ratio only.
PLBC' s PEG Ratio Range Over the Past 10 Years
Min: 0.17  Med: 0.8 Max: 37.46
Current: 0.36
0.17
37.46
Shiller PE Ratio 49.46
PLBC's Shiller PE Ratio is ranked lower than
89% of the 490 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.81 vs. PLBC: 49.46 )
Ranked among companies with meaningful Shiller PE Ratio only.
PLBC' s Shiller PE Ratio Range Over the Past 10 Years
Min: 3.95  Med: 21.34 Max: 55.71
Current: 49.46
3.95
55.71

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 0.57
PLBC's Dividend Yield % is ranked lower than
95% of the 2324 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.67 vs. PLBC: 0.57 )
Ranked among companies with meaningful Dividend Yield % only.
PLBC' s Dividend Yield % Range Over the Past 10 Years
Min: 0.51  Med: 2.09 Max: 5.91
Current: 0.57
0.51
5.91
Forward Dividend Yield % 1.14
PLBC's Forward Dividend Yield % is ranked lower than
88% of the 2258 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.84 vs. PLBC: 1.14 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 0.57
PLBC's 5-Year Yield-on-Cost % is ranked lower than
96% of the 2647 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.35 vs. PLBC: 0.57 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
PLBC' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.51  Med: 2.09 Max: 5.91
Current: 0.57
0.51
5.91
3-Year Average Share Buyback Ratio -0.80
PLBC's 3-Year Average Share Buyback Ratio is ranked higher than
59% of the 977 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.70 vs. PLBC: -0.80 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
PLBC' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -1.2  Med: 0 Max: 1.8
Current: -0.8
-1.2
1.8

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.79
PLBC's Price-to-Tangible-Book is ranked lower than
73% of the 1384 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.25 vs. PLBC: 1.79 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
PLBC' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.41  Med: 1.33 Max: 3.55
Current: 1.79
0.41
3.55
Price-to-Intrinsic-Value-Projected-FCF 0.63
PLBC's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
70% of the 869 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.83 vs. PLBC: 0.63 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
PLBC' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.14  Med: 0.36 Max: 0.96
Current: 0.63
0.14
0.96
Price-to-Median-PS-Value 2.01
PLBC's Price-to-Median-PS-Value is ranked lower than
92% of the 1288 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. PLBC: 2.01 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
PLBC' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.31  Med: 1.24 Max: 4.98
Current: 2.01
0.31
4.98
Price-to-Peter-Lynch-Fair-Value 0.48
PLBC's Price-to-Peter-Lynch-Fair-Value is ranked higher than
89% of the 420 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. PLBC: 0.48 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
PLBC' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.3  Med: 0.74 Max: 24.19
Current: 0.48
0.3
24.19
Price-to-Graham-Number 0.98
PLBC's Price-to-Graham-Number is ranked lower than
52% of the 1224 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.94 vs. PLBC: 0.98 )
Ranked among companies with meaningful Price-to-Graham-Number only.
PLBC' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.54  Med: 0.93 Max: 2.4
Current: 0.98
0.54
2.4
Earnings Yield (Greenblatt) % 34.07
PLBC's Earnings Yield (Greenblatt) % is ranked higher than
91% of the 1405 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.60 vs. PLBC: 34.07 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
PLBC' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 0.2  Med: 17.8 Max: 4224.5
Current: 34.07
0.2
4224.5
Forward Rate of Return (Yacktman) % 41.82
PLBC's Forward Rate of Return (Yacktman) % is ranked higher than
91% of the 881 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.03 vs. PLBC: 41.82 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
PLBC' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: 14.3  Med: 23.3 Max: 56.2
Current: 41.82
14.3
56.2

More Statistics

Revenue (TTM) (Mil) $31.73
EPS (TTM) $ 1.47
Beta0.23
Short Percentage of Float0.08%
52-Week Range $8.52 - 19.50
Shares Outstanding (Mil)4.90
» More Articles for PLBC

Headlines

Articles On GuruFocus.com
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 
Weekly CFO Buys Highlight: CYTR, PZZI, AGYS, PLBC Feb 27 2012 
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 

More From Other Websites
PLUMAS BANCORP Files SEC form 8-K, Regulation FD Disclosure Jan 31 2017
Plumas Bancorp :PLBC-US: Earnings Analysis: 2016 By the Numbers : January 27, 2017 Jan 27 2017
PLUMAS BANCORP Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Jan 18 2017
Plumas Bancorp Reports Record Earnings Jan 18 2017
Ryback Appointed to the Federal Reserve Bank Twelfth District Community Depository Institutions... Jan 12 2017
PLUMAS BANCORP Files SEC form 8-K, Change in Directors or Principal Officers Jan 04 2017
Two Plumas Bancorp Directors, Blickenstaff and Grohs, Retire after 28 Years of Service Jan 04 2017
Two Plumas Bancorp Directors, Blickenstaff and Grohs, Retire after 28 Years of Service Jan 04 2017
PLUMAS BANCORP Files SEC form 8-K, Change in Directors or Principal Officers Dec 23 2016
Plumas Bancorp: Leads amongst peers with strong fundamentals Dec 20 2016
PLUMAS BANCORP Financials Nov 08 2016
PLUMAS BANCORP Files SEC form 10-Q, Quarterly Report Nov 02 2016
PLUMAS BANCORP Files SEC form 8-K, Other Events Oct 20 2016
Plumas Bancorp Reinstates Semi-Annual Cash Dividend Oct 20 2016
Plumas Bancorp Reports Highest Quarterly Earnings In Its History Oct 18 2016
PLUMAS BANCORP Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Oct 18 2016
Ryback Appointed to California Community Banking Network’s 2016-2017 Board of Directors Sep 07 2016
PLUMAS BANCORP Files SEC form 10-Q, Quarterly Report Aug 03 2016
Plumas Bancorp :PLBC-US: Earnings Analysis: Q2, 2016 By the Numbers : July 22, 2016 Jul 22 2016
PLUMAS BANCORP Files SEC form 8-K, Results of Operations and Financial Condition, Financial... Jul 20 2016

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