PLBC (Plumas Bancorp) Cyclically Adjusted FCF per Share: $4.29 (As of Jun. 2026)

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PLBC Plumas Bancorp PLBC
67 GF Score
Price $61.06
GF Value $52.62
Valuation Modestly Overvalued
! 6 Warning Signs
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What is Plumas Bancorp Cyclically Adjusted FCF per Share?

Plumas Bancorp PLBC -0.78% 67 Cyclically Adjusted FCF per Share is $4.29 as of Jun. 2026. 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.

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 $1.637. 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 $4.29 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 (2026-08-26), Plumas Bancorp's current stock price is $61.06. Plumas Bancorp's Cyclically Adjusted FCF per Share for the quarter that ended in Jun. 2026 was $4.29. Plumas Bancorp's Cyclically Adjusted Price-to-FCF of today is 14.23.

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  (NAS:PLBC) 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
=61.06/4.29
=14.23

* 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 1.90 2.82 3.24 3.70 3.99

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 3.98 3.90 3.99 4.18 4.29

PLBC 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.


PLBC
67GF Score
Plumas Bancorp PLBC
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
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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)
=1.637/333.9520*333.9520
=1.637

Current CPI (Jun. 2026) = 333.9520.

Plumas Bancorp Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201609 0.557 241.428 0.770
201612 0.248 241.432 0.343
201703 -0.028 243.801 -0.038
201706 1.002 244.955 1.366
201709 0.657 246.819 0.889
201712 0.479 246.524 0.649
201803 0.546 249.554 0.731
201806 -0.083 251.989 -0.110
201809 1.333 252.439 1.763
201812 0.460 251.233 0.611
201903 1.283 254.202 1.686
201906 0.160 256.143 0.209
201909 0.824 256.759 1.072
201912 0.426 256.974 0.554
202003 1.287 258.115 1.665
202006 1.751 257.797 2.268
202009 -0.048 260.280 -0.062
202012 1.412 260.474 1.810
202103 1.625 264.877 2.049
202106 -1.048 271.696 -1.288
202109 -2.157 274.310 -2.626
202112 0.058 278.802 0.069
202203 3.501 287.504 4.067
202206 2.502 296.311 2.820
202209 2.069 296.808 2.328
202212 1.042 296.797 1.172
202303 2.337 301.836 2.586
202306 1.617 305.109 1.770
202309 2.080 307.789 2.257
202312 0.042 306.746 0.046
202403 1.509 312.332 1.613
202406 0.815 314.175 0.866
202409 1.313 315.301 1.391
202412 1.362 315.605 1.441
202503 1.221 319.799 1.275
202506 0.339 322.561 0.351
202509 0.683 324.800 0.702
202512 0.872 324.054 0.899
202603 1.311 330.213 1.326
202606 1.637 333.952 1.637

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 $4.29 mean?
Plumas Bancorp (PLBC) has a Cyclically Adjusted FCF per Share of $4.29 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 $4.29. 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 Cyclically Adjusted FCF per Share compare to FMAO and CZNC?
Plumas Bancorp's Cyclically Adjusted FCF per Share of $4.29 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 $4.29. 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 Cyclically Adjusted FCF per Share is $4.29. 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 Cyclically Adjusted FCF per Share calculated?
Cyclically Adjusted FCF per Share is calculated from a company's financial statements. For Plumas Bancorp (PLBC), the current Cyclically Adjusted FCF per Share is $4.29 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:

  • Cyclically Adjusted FCF per Share: $4.29
  • GF Value™: $52.62 vs. price of $61.06 (16% above fair value)
  • GF Score™: 67/100 with 6 warning signs

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 Business Description

Other Exchanges OKO:Germany
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.
67GF Score

Get the complete analysis for PLBC

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

$61.06
Price
$52.62
GF Value