Plumas Bancorp (FRA:OKO) Cyclically Adjusted Book per Share: €19.94 (As of Jun. 2026)

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FRA:OKO Plumas Bancorp FRA:OKO
74 GF Score
Price €50.50
GF Value €43.18
Valuation Modestly Overvalued
! 6 Warning Signs
View Full Analysis

What is Plumas Bancorp Cyclically Adjusted Book per Share?

Plumas Bancorp FRA:OKO 74 Cyclically Adjusted Book per Share is €19.94 as of Jun. 2026. GuruFocus rates FRA:OKO with a GF Score™ of 74/100 and a GF Value™ of €43.18 (Modestly Overvalued). The stock has 6 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

Plumas Bancorp's adjusted book value per share for the three months ended in Jun. 2026 was €33.919. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is €19.94 for the trailing ten years ended in Jun. 2026.

During the past 12 months, Plumas Bancorp's average Cyclically Adjusted Book Growth Rate was 15.80% per year. During the past 3 years, the average Cyclically Adjusted Book Growth Rate was 14.10% per year. During the past 5 years, the average Cyclically Adjusted Book Growth Rate was 15.40% per year. During the past 10 years, the average Cyclically Adjusted Book Growth Rate was 12.70% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Book Growth Rate using Cyclically Adjusted Book per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Book Growth Rate of Plumas Bancorp was 16.90% per year. The lowest was 1.50% per year. And the median was 7.30% per year.

As of today (2026-08-27), Plumas Bancorp's current stock price is €50.50. Plumas Bancorp's Cyclically Adjusted Book per Share for the quarter that ended in Jun. 2026 was €19.94. Plumas Bancorp's Cyclically Adjusted PB Ratio of today is 2.53.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Plumas Bancorp was 3.66. The lowest was 1.36. And the median was 2.40.


Plumas Bancorp  (FRA:OKO) Cyclically Adjusted Book per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Book per Share may underestimate the company's equity. Cyclically Adjusted PB Ratio can seem to be too high even the actual PB Ratio is low.

For the Cyclically Adjusted PB Ratio, the book value of the past 10 years are inflation-adjusted and averaged. The result is used for P/B calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PB Ratio is also called CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

Plumas Bancorp's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=50.50/19.94
=2.53

* 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.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Plumas Bancorp was 3.66. The lowest was 1.36. And the median was 2.40.


Be Aware

Cyclically Adjusted PB Ratio works better for cyclical companies. It gives you a better idea on the company's real book value.


Plumas Bancorp Cyclically Adjusted Book per Share Related Terms


Plumas Bancorp Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for Plumas Bancorp's Cyclically Adjusted Book per Share 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.

Plumas Bancorp Cyclically Adjusted Book per Share Chart

Plumas Bancorp Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Book per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 11.43 13.46 14.92 17.97 18.34

Plumas Bancorp Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Cyclically Adjusted Book per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 17.79 18.09 18.34 19.86 19.94

FRA:OKO vs FMAO, CZNC, NEWT: Cyclically Adjusted Book per Share Comparison

For the Banks - Regional subindustry, Plumas Bancorp's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio 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 Cyclically Adjusted PB Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Plumas Bancorp's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Plumas Bancorp's Cyclically Adjusted PB Ratio falls into.


FRA:OKO
74GF Score
Plumas Bancorp FRA:OKO
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Plumas Bancorp Cyclically Adjusted Book per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

What is Cyclically Adjusted Book per Share? How do we calculate Cyclically Adjusted Book per Share?

Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Book per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the book value per share from 2001 through 2010.

We adjusted the 2001 book value per share data with the total inflation from 2001 through 2010 to the equivalent book value in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's book value is $1 a share in 2001, then the 2001's equivalent book value in 2010 is $1.4 a share. If Wal-Mart's book value is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 book value in 2010 is $1.35. So on and so forth, you get the equivalent book value per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Plumas Bancorp's adjusted Book Value per Share data for the three months ended in Jun. 2026 was:

Adj_Book= Book Value per Share /CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=33.919/333.9520*333.9520
=33.919

Current CPI (Jun. 2026) = 333.9520.

Plumas Bancorp Quarterly Data

Book Value per Share CPI Adj_Book
201609 8.831 241.428 12.215
201612 9.291 241.432 12.851
201703 9.590 243.801 13.136
201706 9.341 244.955 12.735
201709 9.224 246.819 12.480
201712 9.292 246.524 12.587
201803 9.141 249.554 12.232
201806 9.949 251.989 13.185
201809 10.429 252.439 13.797
201812 11.453 251.233 15.224
201903 12.492 254.202 16.411
201906 13.213 256.143 17.227
201909 14.391 256.759 18.718
201912 14.722 256.974 19.132
202003 15.776 258.115 20.411
202006 15.932 257.797 20.638
202009 15.729 260.280 20.181
202012 15.887 260.474 20.369
202103 16.489 264.877 20.789
202106 17.049 271.696 20.956
202109 18.947 274.310 23.067
202112 20.399 278.802 24.434
202203 19.145 287.504 22.238
202206 18.800 296.311 21.188
202209 18.382 296.808 20.682
202212 19.203 296.797 21.607
202303 20.526 301.836 22.710
202306 20.235 305.109 22.148
202309 19.150 307.789 20.778
202312 23.006 306.746 25.046
202403 25.199 312.332 26.943
202406 26.023 314.175 27.661
202409 27.799 315.301 29.443
202412 28.781 315.605 30.454
202503 29.303 319.799 30.600
202506 28.210 322.561 29.206
202509 30.142 324.800 30.991
202512 32.039 324.054 33.018
202603 32.912 330.213 33.285
202606 33.919 333.952 33.919

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

What does a Cyclically Adjusted Book per Share of €19.94 mean?
Plumas Bancorp (FRA:OKO) has a Cyclically Adjusted Book per Share of €19.94 as of Jun. 2026. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Plumas Bancorp and its competitors.
Is Plumas Bancorp's Cyclically Adjusted Book per Share too high?
Plumas Bancorp's current Cyclically Adjusted Book per Share is €19.94. Overall, Plumas Bancorp has a GF Score™ of 74/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Plumas Bancorp's Cyclically Adjusted Book per Share compare to FMAO and CZNC?
Plumas Bancorp's Cyclically Adjusted Book per Share of €19.94 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted Book per Share for a Banks company?
A good Cyclically Adjusted Book per Share depends on the Banks industry context. However, Cyclically Adjusted Book per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted Book per Share mean?
A high Cyclically Adjusted Book per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Plumas Bancorp and its competitors. Plumas Bancorp's current Cyclically Adjusted Book per Share is €19.94. 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 (FRA:OKO) is currently considered Modestly Overvalued. The stock's GF Value™ is €43.18, compared to a current price of €50.50 — trading 17% above its estimated fair value. The current Cyclically Adjusted Book per Share is €19.94. Plumas Bancorp's overall GF Score™ is 74/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Book per Share calculated?
Cyclically Adjusted Book per Share is calculated from a company's financial statements. For Plumas Bancorp (FRA:OKO), the current Cyclically Adjusted Book per Share is €19.94 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 (FRA:OKO) Overvalued in 2026?

Based on GuruFocus' analysis, Plumas Bancorp stock appears to be overvalued. The current stock price of €50.50 is trading 17% above its estimated GF Value™ of €43.18. GuruFocus considers Plumas Bancorp to be Modestly Overvalued.

Key valuation signals for FRA:OKO:

  • Cyclically Adjusted Book per Share: €19.94
  • GF Value™: €43.18 vs. price of €50.50 (17% above fair value)
  • GF Score™: 74/100 with 6 warning signs

No single metric tells the full story. See the FRA:OKO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Plumas Bancorp Business Description

Other Exchanges PLBC:USA
Address 5525 Kietzke Lane, Suite 100, Reno, NV, USA, 89511
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.
74GF Score

Get the complete analysis for FRA:OKO

Cyclically Adjusted Book per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€50.50
Price
€43.18
GF Value