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Plumas BancorpPLBC -0.78%67 Forward Rate of Return (Yacktman) % is 23.11% as of Jun. 2026, which is 3% above its 10-year median of 22.34. GuruFocus rates PLBC with a GF Scoreâ„¢ of 67/100 and a GF Valueâ„¢ of $52.62 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,418 Banks companies, Plumas Bancorp ranks better than 72.28% on this metric.
Yacktman defines forward rate of return as the normalized free cash flow yield plus real growth plus inflation. Plumas Bancorp's forward rate of return for was 23.11%.
The historical rank and industry rank for Plumas Bancorp's Forward Rate of Return (Yacktman) % or its related term are showing as below:
PLBC'
s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: 18.85 Med: 22.34 Max: 29.48
Current: 22.73
During the past 13 years, Plumas Bancorp's highest Forward Rate of Return was 29.48. The lowest was 18.85. And the median was 22.34.
PLBC's Forward Rate of Return (Yacktman) % is ranked better than 72.28% of 1418
companies
in the Banks industry
Industry Median: 15.53
vs PLBC: 22.73
Unlike the Earnings Yield %, the Forward Rate of Return uses the normalized Free Cash Flow of the past five years, and considers growth. The forward rate of return can be thought of as the return that investors buying the stock today can expect from it in the future.
Plumas Bancorp (NAS:PLBC) Forward Rate of Return (Yacktman) % Explanation
Unlike the Earnings Yield, the Forward Rate of Return uses the normalized Free Cash Flow of the past five years, and considers growth. The forward rate of return can be thought of as the return that investors buying the stock today can expect from it in the future.
For the growth part of the Forward Rate of Return calculation, GuruFocus uses the 5-year average growth rate of Book Value per share as the growth rate, and the growth rate is always capped at 20%. For the Free Cash Flow we use per share data averaged over five years. The reason we use five years is to make it comparable to the growth rate.
Be Aware
In the Forward Rate of Return calculation, the growth rate is added directly to today's free cash flow yield. Therefore the calculation is reliable only if the company can grow at the same rate in the future as it did in the past. Investors should pay close attention to this when researching growth stocks. A more accurate measurement for return is Return on Capital.
Plumas Bancorp Forward Rate of Return (Yacktman) % Related Terms
Plumas Bancorp Forward Rate of Return (Yacktman) % Historical Data
* Premium members only.
The historical data trend for Plumas Bancorp's Forward Rate of Return (Yacktman) % 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 Forward Rate of Return (Yacktman) % Chart
PLBC vs FMAO, CZNC, NEWT: Forward Rate of Return (Yacktman) % Comparison
For the Banks - Regional subindustry, Plumas Bancorp's Forward Rate of Return (Yacktman) %, along with its competitors' market caps and Forward Rate of Return (Yacktman) % 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 Forward Rate of Return (Yacktman) % vs Banks Industry
For the Banks industry and Financial Services sector, Plumas Bancorp's Forward Rate of Return (Yacktman) % distribution charts can be found below:
* The bar in red indicates where Plumas Bancorp's Forward Rate of Return (Yacktman) % falls into.
Plumas Bancorp Forward Rate of Return (Yacktman) % Calculation
Forward Rate of Return is a concept that Don Yacktman uses in his investment approach. Yacktman explained the forward rate of return concept in detail in his interview with GuruFocus. Yacktman defines forward rate of return as the normalized free cash flow yield plus real growth plus inflation. He said in the interview (March 2012, when the S&P 500 was at about 1400):
If the business is stable, this calculation is fairly straightforward. For instance, on the S&P 500 we would normalize earnings. We would then calculate what percentage of those earnings are not reinvested in the underlying businesses and are therefore free. Historically, for the S&P 500, this has been just under 50% of earnings. Currently, we expect the S&P to earn about 70 on a normalized basis, a number which is far below reported earnings due to our adjusting for record high profit margins. $70 X ½ / 1400 gives you a normalized free cash flow yield of approximately 2.5%.
The historical real growth rate of the S&P 500 (companies) is about 1.5%. Assuming an inflation rate of 2.5%, the forward rate of return on an investment in the S&P 500 is about 6.5% today (2.5% free cash flow yield plus 1.5% real growth plus 2.5% inflation).
* 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.
What does a Forward Rate of Return (Yacktman) % of 23.11% mean?
Plumas Bancorp (PLBC) has a Forward Rate of Return (Yacktman) % of 23.11% as of Jun. 2026. Yacktman's forward rate of return equals the sum of normalized free-cash-flow yield plus earnings growth. View historical data on Plumas Bancorp and its competitors. This is near median its historical median of 22.34. Over the past decade, Plumas Bancorp's Forward Rate of Return (Yacktman) % has ranged from 18.85 to 29.48. According to the industry distribution chart, Plumas Bancorp ranks #393 out of 1418 companies in the Banks industry, placing it in the top 27.7%.
Is Plumas Bancorp's Forward Rate of Return (Yacktman) % too high?
Plumas Bancorp's current Forward Rate of Return (Yacktman) % of 23.11% is near median its 10-year median of 22.34. Over the past 10 years, this metric has ranged from a low of 18.85 to a high of 29.48. The Banks industry median Forward Rate of Return (Yacktman) % is 15.53. Plumas Bancorp's value of 23.11% is 48.8% above this industry median. Based on the distribution chart, Plumas Bancorp ranks #393 out of 1418 companies in the Banks industry, which is above the industry midpoint. Overall, Plumas Bancorp has a GF Scoreâ„¢ of 67/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Plumas Bancorp's Forward Rate of Return (Yacktman) % compare to FMAO and CZNC?
According to the Banks industry distribution chart, Plumas Bancorp ranks #393 out of 1418 companies for Forward Rate of Return (Yacktman) %. This puts Plumas Bancorp in the upper half of its industry. The industry median Forward Rate of Return (Yacktman) % is 15.53. Plumas Bancorp's value of 23.11% is 48.8% above this benchmark. Historically, Plumas Bancorp's own Forward Rate of Return (Yacktman) % has ranged from 18.85 to 29.48 over the past decade. While the company's 10-year median is 22.34 vs. the industry median of 15.53, 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 Forward Rate of Return (Yacktman) % for a Banks company?
The median Forward Rate of Return (Yacktman) % among Banks companies is 15.53, based on 1,418 companies in the industry. Companies in the top quartile (top 25%) have a Forward Rate of Return (Yacktman) % significantly above this median, while those in the bottom quartile fall well below. However, Forward Rate of Return (Yacktman) % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Plumas Bancorp's current Forward Rate of Return (Yacktman) % of 23.11% is 48.8% 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 Forward Rate of Return (Yacktman) % mean?
A high Forward Rate of Return (Yacktman) % can signal that a stock is expensive relative to its fundamentals. Yacktman's forward rate of return equals the sum of normalized free-cash-flow yield plus earnings growth. View historical data on Plumas Bancorp and its competitors. For the Banks industry, the median Forward Rate of Return (Yacktman) % is 15.53 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Plumas Bancorp's current Forward Rate of Return (Yacktman) % is 23.11%, which is near median its own 10-year median of 22.34. 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 Forward Rate of Return (Yacktman) % is 23.11%, which is near median its 10-year median of 22.34 and 48.8% above the Banks industry median of 15.53. 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 Forward Rate of Return (Yacktman) % calculated?
Forward Rate of Return (Yacktman) % is calculated from a company's financial statements. For Plumas Bancorp (PLBC), the current Forward Rate of Return (Yacktman) % is 23.11% 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:
Forward Rate of Return (Yacktman) %: 23.11% (near median its 10-year median of 22.34)
GF Value™: $52.62 vs. price of $61.06 (16% above fair value)
Industry Position: 48.8% above the Banks median (#393 of 1418)
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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