Plumas Bancorp (FRA:OKO) E10: €3.49 (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 E10?

Plumas Bancorp FRA:OKO 74 E10 is €3.49 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 P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Plumas Bancorp's adjusted earnings per share data for the three months ended in Jun. 2026 was €1.224. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is €3.49 for the trailing ten years ended in Jun. 2026.

During the past 12 months, Plumas Bancorp's average E10 Growth Rate was 12.30% per year. During the past 3 years, the average E10 Growth Rate was 14.80% per year. During the past 5 years, the average E10 Growth Rate was 20.30% per year. During the past 10 years, the average E10 Growth Rate was 32.10% 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 E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of Plumas Bancorp was 54.20% per year. The lowest was -7.40% per year. And the median was 20.10% per year.

As of today (2026-08-27), Plumas Bancorp's current stock price is €50.50. Plumas Bancorp's E10 for the quarter that ended in Jun. 2026 was €3.49. Plumas Bancorp's Shiller PE Ratio of today is 14.47.

During the past 13 years, the highest Shiller PE Ratio of Plumas Bancorp was 61.04. The lowest was 10.08. And the median was 16.14.


Plumas Bancorp  (FRA:OKO) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Plumas Bancorp's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=50.50/3.49
=14.47

* 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 Shiller P/E Ratio of Plumas Bancorp was 61.04. The lowest was 10.08. And the median was 16.14.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Plumas Bancorp E10 Related Terms


Plumas Bancorp E10 Historical Data

* Premium members only.

The historical data trend for Plumas Bancorp's E10 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 E10 Chart

Plumas Bancorp Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.81 2.33 2.72 3.27 3.24

Plumas Bancorp Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
E10 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 3.21 3.20 3.24 3.49 3.49

FRA:OKO vs FMAO, CZNC, NEWT: E10 Comparison

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

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

* The bar in red indicates where Plumas Bancorp's Shiller PE Ratio falls into.


FRA:OKO
74GF Score
Plumas Bancorp FRA:OKO
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Plumas Bancorp E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

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 earnings per share data for the three months ended in Jun. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=1.224/333.9520*333.9520
=1.224

Current CPI (Jun. 2026) = 333.9520.

Plumas Bancorp Quarterly Data

per share eps CPI Adj_EPS
201609 0.347 241.428 0.480
201612 0.389 241.432 0.538
201703 0.374 243.801 0.512
201706 0.436 244.955 0.594
201709 0.394 246.819 0.533
201712 0.186 246.524 0.252
201803 0.511 249.554 0.684
201806 0.565 251.989 0.749
201809 0.608 252.439 0.804
201812 0.598 251.233 0.795
201903 0.646 254.202 0.849
201906 0.646 256.143 0.842
201909 0.699 256.759 0.909
201912 0.666 256.974 0.866
202003 0.570 258.115 0.737
202006 0.542 257.797 0.702
202009 0.603 260.280 0.774
202012 0.674 260.474 0.864
202103 0.714 264.877 0.900
202106 0.706 271.696 0.868
202109 0.952 274.310 1.159
202112 0.823 278.802 0.986
202203 0.881 287.504 1.023
202206 0.908 296.311 1.023
202209 1.242 296.808 1.397
202212 1.246 296.797 1.402
202303 1.196 301.836 1.323
202306 1.034 305.109 1.132
202309 1.256 307.789 1.363
202312 1.165 306.746 1.268
202403 0.966 312.332 1.033
202406 1.059 314.175 1.126
202409 1.180 315.301 1.250
202412 1.232 315.605 1.304
202503 1.110 319.799 1.159
202506 0.910 322.561 0.942
202509 0.622 324.800 0.640
202512 1.332 324.054 1.373
202603 1.194 330.213 1.208
202606 1.224 333.952 1.224

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of €3.49 mean?
Plumas Bancorp (FRA:OKO) has a E10 of €3.49 as of Jun. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Plumas Bancorp and its competitors.
Is Plumas Bancorp's E10 too high?
Plumas Bancorp's current E10 is €3.49. 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 E10 compare to FMAO and CZNC?
Plumas Bancorp's E10 of €3.49 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 E10 for a Banks company?
A good E10 depends on the Banks industry context. However, E10 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 E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Plumas Bancorp and its competitors. Plumas Bancorp's current E10 is €3.49. 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 E10 is €3.49. 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 E10 calculated?
E10 is calculated from a company's financial statements. For Plumas Bancorp (FRA:OKO), the current E10 is €3.49 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:

  • E10: €3.49
  • 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

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€50.50
Price
€43.18
GF Value