Plumas BancorpPLBC +0.67%69 EV-to-FCF is 17.36 as of Jul. 12, 2026, which is 226% above its 10-year median of 5.33. GuruFocus rates PLBC with a GF Score™ of 69/100 and a GF Value™ of $47.50 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,199 Banks companies, Plumas Bancorp ranks worse than 79.32% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Plumas Bancorp's Enterprise Value is $385.73 Mil.
Plumas Bancorp's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $22.22 Mil. Therefore, Plumas Bancorp's EV-to-FCF for today is 17.36.
The historical rank and industry rank for Plumas Bancorp's EV-to-FCF or its related term are showing as below:
PLBC'
s EV-to-FCF Range Over the Past 10 Years
Min: -72.22 Med: 5.33 Max: 76.24
Current: 17.36
During the past 13 years, the highest EV-to-FCF of Plumas Bancorp was 76.24. The lowest was -72.22. And the median was 5.33.
PLBC's EV-to-FCF is ranked worse than 79.32% of 1199
companies
in the Banks industry
Industry Median: 6.56
vs PLBC: 17.36
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Plumas Bancorp's PE Ratio (TTM) for today is calculated as:
Plumas Bancorp's share price for today is $57.96.
Plumas Bancorp's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $4.720.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Plumas Bancorp EV-to-FCF Related Terms
Plumas Bancorp EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Plumas Bancorp's EV-to-FCF 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.
For the Banks - Regional subindustry, Plumas Bancorp's EV-to-FCF, along with its competitors' market caps and EV-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 EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Plumas Bancorp's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Plumas Bancorp's EV-to-FCF falls into.
Plumas Bancorp's current Enterprise Value is $385.73 Mil.
Plumas Bancorp's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $22.22 Mil.
* 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 (PLBC) has a EV-to-FCF of 17.36 as of Jul. 12, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Plumas Bancorp and its competitors. This is 226% above median its historical median of 5.33. According to the industry distribution chart, Plumas Bancorp ranks #951 out of 1199 companies in the Banks industry, placing it in the top 79.3%.
Is Plumas Bancorp's EV-to-FCF too high?
Plumas Bancorp's current EV-to-FCF of 17.36 is 226% above median its 10-year median of 5.33. The Banks industry median EV-to-FCF is 6.56. Plumas Bancorp's value of 17.36 is 164.6% above this industry median. Based on the distribution chart, Plumas Bancorp ranks #951 out of 1199 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Plumas Bancorp has a GF Score™ of 69/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Plumas Bancorp's EV-to-FCF compare to PBFS and FNLC?
According to the Banks industry distribution chart, Plumas Bancorp ranks #951 out of 1199 companies for EV-to-FCF. This places Plumas Bancorp in the lower half of its industry. The industry median EV-to-FCF is 6.56. Plumas Bancorp's value of 17.36 is 164.6% above this benchmark. While the company's 10-year median is 5.33 vs. the industry median of 6.56, Plumas Bancorp has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.56, based on 1,199 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Plumas Bancorp's current EV-to-FCF of 17.36 is 164.6% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Plumas Bancorp and its competitors. For the Banks industry, the median EV-to-FCF is 6.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Plumas Bancorp's current EV-to-FCF is 17.36, which is 226% above median its own 10-year median of 5.33. 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 $47.50, compared to a current price of $57.96 — trading 22% above its estimated fair value. The current EV-to-FCF is 17.36, which is 226% above median its 10-year median of 5.33 and 164.6% above the Banks industry median of 6.56. Plumas Bancorp's overall GF Score™ is 69/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Plumas Bancorp (PLBC), the current EV-to-FCF is 17.36 as of Jul. 12, 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 $57.96 is trading 22% above its estimated GF Value™ of $47.50.
GuruFocus considers Plumas Bancorp to be Modestly Overvalued.
Key valuation signals for PLBC:
EV-to-FCF: 17.36 (226% above median its 10-year median of 5.33)
GF Value™: $47.50 vs. price of $57.96 (22% above fair value)
Industry Position: 164.6% above the Banks median (#951 of 1199)
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.
69GF Score
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