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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 3.71
PLBC's Cash to Debt is ranked higher than
52% of the 1178 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.07 vs. PLBC: 3.71 )
Ranked among companies with meaningful Cash to Debt only.
PLBC' s Cash to Debt Range Over the Past 10 Years
Min: 0.37  Med: 2.88 Max: No Debt
Current: 3.71
Equity to Asset 0.08
PLBC's Equity to Asset is ranked lower than
72% of the 1648 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. PLBC: 0.08 )
Ranked among companies with meaningful Equity to Asset only.
PLBC' s Equity to Asset Range Over the Past 10 Years
Min: -0.77  Med: 0.08 Max: 0.1
Current: 0.08
-0.77
0.1
Interest Coverage 9.44
PLBC's Interest Coverage is ranked higher than
90% of the 1534 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.67 vs. PLBC: 9.44 )
Ranked among companies with meaningful Interest Coverage only.
PLBC' s Interest Coverage Range Over the Past 10 Years
Min: 0.02  Med: 1.21 Max: 7.92
Current: 9.44
0.02
7.92
F-Score: 6
M-Score: -2.37
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 (%) 34.16
PLBC's Operating margin (%) is ranked higher than
58% of the 1663 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.83 vs. PLBC: 34.16 )
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: 32.74
Current: 34.16
-63.86
32.74
Net-margin (%) 20.94
PLBC's Net-margin (%) is ranked lower than
56% of the 1664 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.36 vs. PLBC: 20.94 )
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: 19.98
Current: 20.94
-36.68
19.98
ROE (%) 15.00
PLBC's ROE (%) is ranked higher than
82% of the 1659 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.33 vs. PLBC: 15.00 )
Ranked among companies with meaningful ROE (%) only.
PLBC' s ROE (%) Range Over the Past 10 Years
Min: -24.83  Med: 6.59 Max: 15.53
Current: 15
-24.83
15.53
ROA (%) 1.06
PLBC's ROA (%) is ranked higher than
63% of the 1670 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.88 vs. PLBC: 1.06 )
Ranked among companies with meaningful ROA (%) only.
PLBC' s ROA (%) Range Over the Past 10 Years
Min: -1.86  Med: 0.56 Max: 1.1
Current: 1.06
-1.86
1.1
Revenue Growth (3Y)(%) 5.10
PLBC's Revenue Growth (3Y)(%) is ranked higher than
64% of the 1371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.50 vs. PLBC: 5.10 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
PLBC' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -2.7  Med: 3.70 Max: 94.9
Current: 5.1
-2.7
94.9
EBITDA Growth (3Y)(%) 32.20
PLBC's EBITDA Growth (3Y)(%) is ranked higher than
89% of the 1271 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.00 vs. PLBC: 32.20 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
PLBC' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -38.9  Med: 12.10 Max: 49
Current: 32.2
-38.9
49
EPS Growth (3Y)(%) 63.10
PLBC's EPS Growth (3Y)(%) is ranked higher than
94% of the 1250 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.50 vs. PLBC: 63.10 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
PLBC' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -58.6  Med: 9.90 Max: 160.3
Current: 63.1
-58.6
160.3
» PLBC's 10-Y Financials

Financials


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

» Details

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Business Description

Industry: Banks » Banks - Regional - US
Compare:NAS:CZWI, NAS:WEBK, NAS:SIBC, OTCPK:MNSB, OTCPK:HLND, OTCPK:AFCB » details
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 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.

Ratios

vs
industry
vs
history
P/E(ttm) 7.71
PLBC's P/E(ttm) is ranked higher than
78% of the 1574 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.79 vs. PLBC: 7.71 )
Ranked among companies with meaningful P/E(ttm) only.
PLBC' s P/E(ttm) Range Over the Past 10 Years
Min: 7.02  Med: 15.70 Max: 151.11
Current: 7.71
7.02
151.11
PE(NRI) 7.71
PLBC's PE(NRI) is ranked higher than
77% of the 1552 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.69 vs. PLBC: 7.71 )
Ranked among companies with meaningful PE(NRI) only.
PLBC' s PE(NRI) Range Over the Past 10 Years
Min: 7  Med: 15.74 Max: 136
Current: 7.71
7
136
Price/Owner Earnings (ttm) 7.53
PLBC's Price/Owner Earnings (ttm) is ranked higher than
71% of the 857 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.46 vs. PLBC: 7.53 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
PLBC' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 1.55  Med: 9.30 Max: 32.8
Current: 7.53
1.55
32.8
P/B 1.02
PLBC's P/B is ranked higher than
52% of the 1655 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. PLBC: 1.02 )
Ranked among companies with meaningful P/B only.
PLBC' s P/B Range Over the Past 10 Years
Min: 0.3  Med: 1.00 Max: 4.24
Current: 1.02
0.3
4.24
P/S 1.63
PLBC's P/S is ranked higher than
78% of the 1647 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.94 vs. PLBC: 1.63 )
Ranked among companies with meaningful P/S only.
PLBC' s P/S Range Over the Past 10 Years
Min: 0.33  Med: 1.39 Max: 17.62
Current: 1.63
0.33
17.62
PFCF 13.60
PLBC's PFCF is ranked lower than
66% of the 892 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.24 vs. PLBC: 13.60 )
Ranked among companies with meaningful PFCF only.
PLBC' s PFCF Range Over the Past 10 Years
Min: 0.98  Med: 8.59 Max: 110.47
Current: 13.6
0.98
110.47
POCF 7.57
PLBC's POCF is ranked higher than
58% of the 992 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.94 vs. PLBC: 7.57 )
Ranked among companies with meaningful POCF only.
PLBC' s POCF Range Over the Past 10 Years
Min: 0.94  Med: 6.27 Max: 257.89
Current: 7.57
0.94
257.89
EV-to-EBIT 0.52
PLBC's EV-to-EBIT is ranked higher than
99% of the 1513 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.20 vs. PLBC: 0.52 )
Ranked among companies with meaningful EV-to-EBIT only.
PLBC' s EV-to-EBIT Range Over the Past 10 Years
Min: -51.9  Med: 1.00 Max: 663.7
Current: 0.52
-51.9
663.7
EV-to-EBITDA 0.47
PLBC's EV-to-EBITDA is ranked higher than
99% of the 1514 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.89 vs. PLBC: 0.47 )
Ranked among companies with meaningful EV-to-EBITDA only.
PLBC' s EV-to-EBITDA Range Over the Past 10 Years
Min: -49.6  Med: 1.10 Max: 48.9
Current: 0.47
-49.6
48.9
PEG 0.23
PLBC's PEG is ranked higher than
93% of the 738 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. PLBC: 0.23 )
Ranked among companies with meaningful PEG only.
PLBC' s PEG Range Over the Past 10 Years
Min: 0.18  Med: 1.35 Max: 33.2
Current: 0.23
0.18
33.2
Shiller P/E 28.70
PLBC's Shiller P/E is ranked lower than
81% of the 503 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.33 vs. PLBC: 28.70 )
Ranked among companies with meaningful Shiller P/E only.
PLBC' s Shiller P/E Range Over the Past 10 Years
Min: 3.95  Med: 20.39 Max: 30.94
Current: 28.7
3.95
30.94

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.02
PLBC's Price/Tangible Book is ranked higher than
57% of the 1645 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. PLBC: 1.02 )
Ranked among companies with meaningful Price/Tangible Book only.
PLBC' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.38  Med: 1.11 Max: 4.5
Current: 1.02
0.38
4.5
Price/Projected FCF 0.34
PLBC's Price/Projected FCF is ranked higher than
85% of the 892 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.66 vs. PLBC: 0.34 )
Ranked among companies with meaningful Price/Projected FCF only.
PLBC' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.15  Med: 0.38 Max: 1.2
Current: 0.34
0.15
1.2
Price/Median PS Value 1.17
PLBC's Price/Median PS Value is ranked lower than
71% of the 1568 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.01 vs. PLBC: 1.17 )
Ranked among companies with meaningful Price/Median PS Value only.
PLBC' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.28  Med: 1.20 Max: 11.4
Current: 1.17
0.28
11.4
Price/Peter Lynch Fair Value 0.31
PLBC's Price/Peter Lynch Fair Value is ranked higher than
93% of the 431 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. PLBC: 0.31 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
PLBC' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.29  Med: 1.36 Max: 24.19
Current: 0.31
0.29
24.19
Price/Graham Number 0.59
PLBC's Price/Graham Number is ranked higher than
72% of the 1460 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.84 vs. PLBC: 0.59 )
Ranked among companies with meaningful Price/Graham Number only.
PLBC' s Price/Graham Number Range Over the Past 10 Years
Min: 0.53  Med: 1.13 Max: 2.46
Current: 0.59
0.53
2.46
Earnings Yield (Greenblatt) (%) 192.45
PLBC's Earnings Yield (Greenblatt) (%) is ranked higher than
99% of the 1660 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.00 vs. PLBC: 192.45 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
PLBC' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.2  Med: 11.00 Max: 4224.5
Current: 192.45
0.2
4224.5
Forward Rate of Return (Yacktman) (%) 53.02
PLBC's Forward Rate of Return (Yacktman) (%) is ranked higher than
93% of the 857 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.58 vs. PLBC: 53.02 )
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: 12.6  Med: 20.90 Max: 56.2
Current: 53.02
12.6
56.2

More Statistics

Revenue (TTM) (Mil) $29.49
EPS (TTM) $ 1.23
Beta0.37
Short Percentage of Float0.14%
52-Week Range $8.04 - 10.23
Shares Outstanding (Mil)4.86
» 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 

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