Plumas Bancorp (FRA:OKO) Margin of Safety % (DCF FCF Based): -12.75% (As of Aug. 27, 2026)

Author: Vera Yuan Vera Yuan
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Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

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 Margin of Safety % (DCF FCF Based)?

Plumas Bancorp FRA:OKO 74 Margin of Safety % (DCF FCF Based) is -12.75% as of Aug. 27, 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.

Margin of Safety % (DCF FCF Based) = (Intrinsic Value: DCF (FCF Based) - Current Price) / Intrinsic Value: DCF (FCF Based).

Note: Discounted FCF model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.

As of today (2026-08-27), Plumas Bancorp's Predictability Rank is 5-Stars. Plumas Bancorp's intrinsic value calculated from the Discounted FCF model is €103.09 and current share price is €50.50. Consequently,

Plumas Bancorp's Margin of Safety % (DCF FCF Based) using Discounted FCF model is -12.75%.

FRA:OKO vs FMAO, CZNC, NEWT: Margin of Safety % (DCF FCF Based) Comparison

For the Banks - Regional subindustry, Plumas Bancorp's Margin of Safety % (DCF FCF Based), along with its competitors' market caps and Margin of Safety % (DCF FCF Based) 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 Margin of Safety % (DCF FCF Based) vs Banks Industry

For the Banks industry and Financial Services sector, Plumas Bancorp's Margin of Safety % (DCF FCF Based) distribution charts can be found below:

* The bar in red indicates where Plumas Bancorp's Margin of Safety % (DCF FCF Based) falls into.


FRA:OKO
74GF Score
Plumas Bancorp FRA:OKO
Margin of Safety % (DCF FCF Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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Plumas Bancorp Margin of Safety % (DCF FCF Based) Calculation

Plumas Bancorp's Margin of Safety % (DCF FCF Based) for today is calculated as

Margin of Safety % (DCF FCF Based)=(Intrinsic Value: DCF (FCF Based)-Current Price)/Intrinsic Value: DCF (FCF Based)
=(44.79-50.50)/44.79
=-12.75 %

* 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.

The intrinsic value is calculated from the Discounted FCF model with default parameters. The calculation method is the same as Discounted Earnings model except free cash flow are used in the calculation instead of earnings per share.

What does a Margin of Safety % (DCF FCF Based) of -12.75% mean?
Plumas Bancorp (FRA:OKO) has a Margin of Safety % (DCF FCF Based) of -12.75% as of Aug. 27, 2026. Margin of Safety % (DCF FCF Based) is the percent difference between the current price and the intrinsic DCF FCF price. View historical data on Plumas Bancorp.
Is Plumas Bancorp's Margin of Safety % (DCF FCF Based) too high?
Plumas Bancorp's current Margin of Safety % (DCF FCF Based) is -12.75%. 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 Margin of Safety % (DCF FCF Based) compare to FMAO and CZNC?
Plumas Bancorp's Margin of Safety % (DCF FCF Based) of -12.75% 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 Margin of Safety % (DCF FCF Based) for a Banks company?
A good Margin of Safety % (DCF FCF Based) depends on the Banks industry context. However, Margin of Safety % (DCF FCF Based) 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 Margin of Safety % (DCF FCF Based) mean?
A high Margin of Safety % (DCF FCF Based) can signal that a stock is expensive relative to its fundamentals. Margin of Safety % (DCF FCF Based) is the percent difference between the current price and the intrinsic DCF FCF price. View historical data on Plumas Bancorp. Plumas Bancorp's current Margin of Safety % (DCF FCF Based) is -12.75%. 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 Margin of Safety % (DCF FCF Based) is -12.75%. 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 Margin of Safety % (DCF FCF Based) calculated?
Margin of Safety % (DCF FCF Based) is calculated from a company's financial statements. For Plumas Bancorp (FRA:OKO), the current Margin of Safety % (DCF FCF Based) is -12.75% as of Aug. 27, 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:

  • Margin of Safety % (DCF FCF Based): -12.75%
  • 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

Margin of Safety % (DCF FCF Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€50.50
Price
€43.18
GF Value