Plumas Bancorp (FRA:OKO) Cyclically Adjusted FCF per Share: €3.57 (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
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What is Plumas Bancorp Cyclically Adjusted FCF per Share?

Plumas Bancorp FRA:OKO 74 Cyclically Adjusted FCF per Share is €3.57 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 FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

Plumas Bancorp's adjusted free cash flow per share for the three months ended in Jun. 2026 was €1.421. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is €3.57 for the trailing ten years ended in Jun. 2026.

During the past 12 months, Plumas Bancorp's average Cyclically Adjusted FCF Growth Rate was 7.80% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was 12.30% per year. During the past 5 years, the average Cyclically Adjusted FCF Growth Rate was 16.10% per year. During the past 10 years, the average Cyclically Adjusted FCF Growth Rate was 13.00% 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 FCF Growth Rate using Cyclically Adjusted FCF per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted FCF Growth Rate of Plumas Bancorp was 24.90% per year. The lowest was 0.80% per year. And the median was 10.20% per year.

As of today (2026-08-27), Plumas Bancorp's current stock price is €50.50. Plumas Bancorp's Cyclically Adjusted FCF per Share for the quarter that ended in Jun. 2026 was €3.57. Plumas Bancorp's Cyclically Adjusted Price-to-FCF of today is 14.15.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Plumas Bancorp was 21.09. The lowest was 7.47. And the median was 12.62.


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

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF 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 Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

Plumas Bancorp's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=50.50/3.57
=14.15

* 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 Price-to-FCF of Plumas Bancorp was 21.09. The lowest was 7.47. And the median was 12.62.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


Plumas Bancorp Cyclically Adjusted FCF per Share Related Terms


Plumas Bancorp Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for Plumas Bancorp's Cyclically Adjusted FCF 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 FCF per Share Chart

Plumas Bancorp Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.70 2.56 2.88 3.46 3.32

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 FCF 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 3.42 3.29 3.32 3.60 3.57

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

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

For the Banks industry and Financial Services sector, Plumas Bancorp's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where Plumas Bancorp's Cyclically Adjusted Price-to-FCF falls into.


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

Plumas Bancorp Cyclically Adjusted FCF 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 FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

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

Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow 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 FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

We adjusted the 2001 free cash flow per share data with the total inflation from 2001 through 2010 to the equivalent free cash flow in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's free cash flow is $1 a share in 2001, then the 2001's equivalent free cash flow in 2010 is $1.4 a share. If Wal-Mart's free cash flow is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 free cash flow in 2010 is $1.35. So on and so forth, you get the equivalent free cash flow per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted FCF 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 Free Cash Flow per Share data for the three months ended in Jun. 2026 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=1.421/333.9520*333.9520
=1.421

Current CPI (Jun. 2026) = 333.9520.

Plumas Bancorp Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201609 0.497 241.428 0.687
201612 0.235 241.432 0.325
201703 -0.026 243.801 -0.036
201706 0.892 244.955 1.216
201709 0.551 246.819 0.746
201712 0.404 246.524 0.547
201803 0.443 249.554 0.593
201806 -0.071 251.989 -0.094
201809 1.142 252.439 1.511
201812 0.404 251.233 0.537
201903 1.136 254.202 1.492
201906 0.142 256.143 0.185
201909 0.748 256.759 0.973
201912 0.384 256.974 0.499
202003 1.165 258.115 1.507
202006 1.554 257.797 2.013
202009 -0.041 260.280 -0.053
202012 1.161 260.474 1.489
202103 1.365 264.877 1.721
202106 -0.870 271.696 -1.069
202109 -1.833 274.310 -2.232
202112 0.051 278.802 0.061
202203 3.179 287.504 3.693
202206 2.367 296.311 2.668
202209 2.089 296.808 2.350
202212 0.983 296.797 1.106
202303 2.183 301.836 2.415
202306 1.492 305.109 1.633
202309 1.949 307.789 2.115
202312 0.039 306.746 0.042
202403 1.388 312.332 1.484
202406 0.757 314.175 0.805
202409 1.183 315.301 1.253
202412 1.300 315.605 1.376
202503 1.130 319.799 1.180
202506 0.294 322.561 0.304
202509 0.582 324.800 0.598
202512 0.744 324.054 0.767
202603 1.134 330.213 1.147
202606 1.421 333.952 1.421

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

What does a Cyclically Adjusted FCF per Share of €3.57 mean?
Plumas Bancorp (FRA:OKO) has a Cyclically Adjusted FCF per Share of €3.57 as of Jun. 2026. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Plumas Bancorp and its competitors.
Is Plumas Bancorp's Cyclically Adjusted FCF per Share too high?
Plumas Bancorp's current Cyclically Adjusted FCF per Share is €3.57. 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 FCF per Share compare to FMAO and CZNC?
Plumas Bancorp's Cyclically Adjusted FCF per Share of €3.57 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 FCF per Share for a Banks company?
A good Cyclically Adjusted FCF per Share depends on the Banks industry context. However, Cyclically Adjusted FCF 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 FCF per Share mean?
A high Cyclically Adjusted FCF per Share can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Plumas Bancorp and its competitors. Plumas Bancorp's current Cyclically Adjusted FCF per Share is €3.57. 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 FCF per Share is €3.57. 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 FCF per Share calculated?
Cyclically Adjusted FCF per Share is calculated from a company's financial statements. For Plumas Bancorp (FRA:OKO), the current Cyclically Adjusted FCF per Share is €3.57 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 FCF per Share: €3.57
  • 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 FCF 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