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Plumas BancorpPLBC -0.78%67 Cash-to-Debt is 3.05 as of Jun. 2026, which is 44% below its 10-year median of 5.46. GuruFocus rates PLBC with a GF Score™ of 67/100 and a GF Value™ of $52.62 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,486 Banks companies, Plumas Bancorp ranks better than 67.77% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Plumas Bancorp's cash to debt ratio for the quarter that ended in Jun. 2026 was 3.05.
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. Here we can see, Plumas Bancorpcould pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for Plumas Bancorp's Cash-to-Debt or its related term are showing as below:
PLBC'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.76 Med: 5.46 Max: 37.73
Current: 3.05
During the past 13 years, Plumas Bancorp's highest Cash to Debt Ratio was 37.73. The lowest was 0.76. And the median was 5.46.
PLBC's Cash-to-Debt is ranked better than 67.77% of 1486
companies
in the Banks industry
Industry Median: 1.4
vs PLBC: 3.05
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
Plumas Bancorp Cash-to-Debt Related Terms
Plumas Bancorp Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Plumas Bancorp's Cash-to-Debt can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Banks - Regional subindustry, Plumas Bancorp's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Plumas Bancorp Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, Plumas Bancorp's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Plumas Bancorp's Cash-to-Debt falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Plumas Bancorp (PLBC) has a Cash-to-Debt of 3.05 as of Jun. 2026. This is 44% below median its historical median of 5.46. Over the past decade, Plumas Bancorp's Cash-to-Debt has ranged from 0.76 to 37.73. According to the industry distribution chart, Plumas Bancorp ranks #479 out of 1486 companies in the Banks industry, placing it in the top 32.2%.
Is Plumas Bancorp's Cash-to-Debt too high?
Plumas Bancorp's current Cash-to-Debt of 3.05 is 44% below median its 10-year median of 5.46. Over the past 10 years, this metric has ranged from a low of 0.76 to a high of 37.73. The Banks industry median Cash-to-Debt is 1.40. Plumas Bancorp's value of 3.05 is 117.9% above this industry median. Based on the distribution chart, Plumas Bancorp ranks #479 out of 1486 companies in the Banks industry, which is above the industry midpoint. Overall, Plumas Bancorp has a GF Score™ of 67/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Plumas Bancorp's Cash-to-Debt compare to FMAO and CZNC?
According to the Banks industry distribution chart, Plumas Bancorp ranks #479 out of 1486 companies for Cash-to-Debt. This puts Plumas Bancorp in the upper half of its industry. The industry median Cash-to-Debt is 1.40. Plumas Bancorp's value of 3.05 is 117.9% above this benchmark. Historically, Plumas Bancorp's own Cash-to-Debt has ranged from 0.76 to 37.73 over the past decade. While the company's 10-year median is 5.46 vs. the industry median of 1.40, Plumas Bancorp has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash-to-Debt for a Banks company?
The median Cash-to-Debt among Banks companies is 1.40, based on 1,486 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Plumas Bancorp's current Cash-to-Debt of 3.05 is 117.9% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median Cash-to-Debt is 1.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Plumas Bancorp's current Cash-to-Debt is 3.05, which is 44% below median its own 10-year median of 5.46. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Plumas Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Plumas Bancorp (PLBC) is currently considered Modestly Overvalued. The stock's GF Value™ is $52.62, compared to a current price of $61.06 — trading 16% above its estimated fair value. The current Cash-to-Debt is 3.05, which is 44% below median its 10-year median of 5.46 and 117.9% above the Banks industry median of 1.40. Plumas Bancorp's overall GF Score™ is 67/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For Plumas Bancorp (PLBC), the current Cash-to-Debt is 3.05 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Plumas Bancorp (PLBC) Overvalued in 2026?
Based on GuruFocus' analysis, Plumas Bancorp stock appears to be overvalued.
The current stock price of $61.06 is trading 16% above its estimated GF Value™ of $52.62.
GuruFocus considers Plumas Bancorp to be Modestly Overvalued.
Key valuation signals for PLBC:
Cash-to-Debt: 3.05 (44% below median its 10-year median of 5.46)
GF Value™: $52.62 vs. price of $61.06 (16% above fair value)
Industry Position: 117.9% above the Banks median (#479 of 1486)
No single metric tells the full story. See the PLBC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Plumas Bancorp provides banking products and services in Northeastern California and Northwestern Nevada, offering a range of deposit products for commercial and retail customers, including checking, savings, money market accounts, time deposits, retirement accounts, and sweep accounts for businesses and public entities, along with digital banking services such as mobile and internet banking, remote deposit, and electronic funds transfers, as well as other customary banking services. Its loan portfolio comprises commercial real estate, commercial and industrial, consumer, agricultural, residential real estate, and construction and land development loans, and the company generates its revenue from loans and investment securities, with additional income from service fees.
67GF Score
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