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Plumas BancorpFRA:OKO 74 ROA % is 1.78% as of Jun. 2026, which is 12% above its 10-year median of 1.59. 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. Among 1,523 Banks companies, Plumas Bancorp ranks better than 82.14% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Plumas Bancorp's annualizedNet Income for the quarter that ended in Jun. 2026 was €34.58 Mil.
Plumas Bancorp's average Total Assets over the quarter that ended in Jun. 2026 was €1,940.07 Mil. Therefore, Plumas Bancorp's annualized ROA % for the quarter that ended in Jun. 2026 was 1.78%.
The historical rank and industry rank for Plumas Bancorp's ROA % or its related term are showing as below:
FRA:OKO'
s ROA % Range Over the Past 10 Years
Min: 1.17 Med: 1.59 Max: 1.84
Current: 1.69
During the past 13 years, Plumas Bancorp's highest ROA % was 1.84%. The lowest was 1.17%. And the median was 1.59%.
FRA:OKO's ROA % is ranked better than 82.14% of 1523
companies
in the Banks industry
Industry Median: 1.01
vs FRA:OKO: 1.69
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Jun. 2026) net income data. The Revenue data used here is four times the quarterly (Jun. 2026) revenue data.
* 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
Plumas Bancorp ROA % Related Terms
Plumas Bancorp ROA % Historical Data
* Premium members only.
The historical data trend for Plumas Bancorp's ROA % 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 ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Banks Industry
For the Banks industry and Financial Services sector, Plumas Bancorp's ROA % distribution charts can be found below:
* The bar in red indicates where Plumas Bancorp's ROA % falls into.
* 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.
In the calculation of annual ROA %, the net income of the last fiscal year and the average total assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Jun. 2026) net income data.
ROA % is displayed in the 30-year financial page.
Plumas Bancorp (FRA:OKO) has a ROA % of 1.78% as of Jun. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Plumas Bancorp and its competitors. This is 12% above median its historical median of 1.59. Over the past decade, Plumas Bancorp's ROA % has ranged from 1.17 to 1.84. According to the industry distribution chart, Plumas Bancorp ranks #272 out of 1523 companies in the Banks industry, placing it in the top 17.9%.
Is Plumas Bancorp's ROA % too high?
Plumas Bancorp's current ROA % of 1.78% is 12% above median its 10-year median of 1.59. Over the past 10 years, this metric has ranged from a low of 1.17 to a high of 1.84. The Banks industry median ROA % is 1.01. Plumas Bancorp's value of 1.78% is 76.2% above this industry median. Based on the distribution chart, Plumas Bancorp ranks #272 out of 1523 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 ROA % compare to FMAO and CZNC?
According to the Banks industry distribution chart, Plumas Bancorp ranks #272 out of 1523 companies for ROA %. This places Plumas Bancorp in the top 18% of its industry — outperforming the majority of peers. The industry median ROA % is 1.01. Plumas Bancorp's value of 1.78% is 76.2% above this benchmark. Historically, Plumas Bancorp's own ROA % has ranged from 1.17 to 1.84 over the past decade. While the company's 10-year median is 1.59 vs. the industry median of 1.01, 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 ROA % for a Banks company?
The median ROA % among Banks companies is 1.01, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Plumas Bancorp's current ROA % of 1.78% is 76.2% 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Plumas Bancorp and its competitors. For the Banks industry, the median ROA % is 1.01 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Plumas Bancorp's current ROA % is 1.78%, which is 12% above median its own 10-year median of 1.59. 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 ROA % is 1.78%, which is 12% above median its 10-year median of 1.59 and 76.2% above the Banks industry median of 1.01. 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 ROA % calculated?
ROA % is calculated from a company's financial statements. For Plumas Bancorp (FRA:OKO), the current ROA % is 1.78% 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:
ROA %: 1.78% (12% above median its 10-year median of 1.59)
GF Value™: €43.18 vs. price of €50.50 (17% above fair value)
Industry Position: 76.2% above the Banks median (#272 of 1523)
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 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
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