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Efficiency Overhead Ratio % for banks is non-interest expenses divided by revenue. It helps show how well banks control their overhead expenses. A lower Efficiency Overhead Ratio suggests that the bank is operating better.
Plumas Bancorp's Efficiency Overhead Ratio % for the quarter that ended in Jun. 2026 was 50.40%
, which is lower than
54.30% for the pervious quarter ended in Mar. 2026.
Plumas Bancorp's Efficiency Overhead Ratio % for the annual that ended in Dec. 2025 was 52.80%
, which is higher than
51.30% for the pervious year ended in Dec. 2024.
The historical rank and industry rank for Plumas Bancorp's Efficiency Overhead Ratio % or its related term are showing as below:
PLBC's Efficiency Overhead Ratio % is not ranked *
in the Banks industry.
Industry Median: * Ranked among companies with meaningful Efficiency Overhead Ratio % only.
Plumas Bancorp (NAS:PLBC) Efficiency Overhead Ratio % Explanation
Efficiency Overhead Ratio % is typically used to analyze how well a company uses its assets and liabilities. It typically calculates the turnover of receivables, the repayment of liabilities, etc. In the banking industry, Efficiency Overhead Ratio % specifically refers to non-interest expenses divided by revenue. This ratio shows how well banks control their overhead expenses and allows analysts to assess their performance.
An Efficiency Overhead Ratio lower than 50% is considered to be optimal. If the Efficiency Overhead Ratio decreases, it means the bank’s expenses are decreasing and revenues are increasing, suggesting the bank is operating better.
Plumas Bancorp Efficiency Overhead Ratio % Related Terms
Plumas Bancorp Efficiency Overhead Ratio % Historical Data
* Premium members only.
The historical data trend for Plumas Bancorp's Efficiency Overhead Ratio % 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.
PLBC vs FMAO, CZNC, NEWT: Efficiency Overhead Ratio % Comparison
For the Banks - Regional subindustry, Plumas Bancorp's Efficiency Overhead Ratio %, along with its competitors' market caps and Efficiency Overhead 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 (NAS:PLBC) Efficiency Overhead Ratio % Calculation
Efficiency Overhead Ratio % is calculated as
Efficiency Overhead Ratio %
=
Non-interest Expenses
/
Revenue
* 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.
Frequently Asked Questions
What does a Efficiency Overhead Ratio % of 50.40% mean?
Plumas Bancorp (PLBC) has a Efficiency Overhead Ratio % of 50.40% as of Jun. 2026. Efficiency Overhead Ratio for banks is non-interest expenses divided by revenue. It helps show how well banks control their overhead expenses. View historical data on Plumas Bancorp and its competitors.
Is Plumas Bancorp's Efficiency Overhead Ratio % too high?
Plumas Bancorp's current Efficiency Overhead Ratio % is 50.40%. 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 Efficiency Overhead Ratio % compare to FMAO and CZNC?
Plumas Bancorp's Efficiency Overhead Ratio % of 50.40% 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 Efficiency Overhead Ratio % for a Banks company?
A good Efficiency Overhead Ratio % depends on the Banks industry context. However, Efficiency Overhead Ratio % 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 Efficiency Overhead Ratio % mean?
A high Efficiency Overhead Ratio % can signal that a stock is expensive relative to its fundamentals. Efficiency Overhead Ratio for banks is non-interest expenses divided by revenue. It helps show how well banks control their overhead expenses. View historical data on Plumas Bancorp and its competitors. Plumas Bancorp's current Efficiency Overhead Ratio % is 50.40%. 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 Efficiency Overhead Ratio % is 50.40%. 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 Efficiency Overhead Ratio % calculated?
Efficiency Overhead Ratio % is calculated from a company's financial statements. For Plumas Bancorp (PLBC), the current Efficiency Overhead Ratio % is 50.40% 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:
Efficiency Overhead Ratio %: 50.40%
GF Value™: $52.62 vs. price of $61.06 (16% above fair value)
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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