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Plumas Bancorp

PLBC

(3.5)
Stock Price

48,65 USD

1.74% ROA

17.31% ROE

7.86x PER

Market Cap.

224.221.077,00 USD

81.06% DER

2.79% Yield

31.07% NPM

Plumas Bancorp Stock Analysis

Plumas Bancorp Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Plumas Bancorp Fundamental Stock Analysis
# Analysis Rating
1 ROE

The stock's ROE exceeds expectations (24.24%), revealing strong profitability and efficient use of shareholders' equity, making it an attractive investment opportunity.

2 DER

The stock has a low debt to equity ratio (8%), which means it has a small amount of debt compared to the ownership it holds

3 Revenue Growth

With a track record of consistent revenue growth in the past five years, this company presents a compelling opportunity.

4 Dividend

With a solid track record of dividend payments over the past five years, the company has established itself as a dependable choice for investors seeking consistent income.

5 ROA

The stock's ROA (1.92%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

6 PBV

The stock's PBV ratio (1.67x) reflects a fair valuation, making it an attractive option for investors seeking balanced opportunities.

7 Net Profit Growth

Throughout the last three years, this company has experienced consistent net profit growth, reflecting a robust financial performance and making it an attractive investment prospect.

8 Graham Number

The company's Graham number indicates that it is undervalued compared to its stock price, suggesting a potentially favorable investment opportunity.

9 Dividend Growth

The company's dividend growth has been consistently strong over the past three years, with annual increases that demonstrate its commitment to rewarding shareholders.

10 Buffet Intrinsic Value

The company's stock shows potential as it is undervalued (106) according to Warren Buffett's formula, indicating that its intrinsic value exceeds the market price.

11 Assets Growth

Company's revenue has remained stagnant over the past three years, indicating a lack of growth and making it a less favorable option.

Plumas Bancorp Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Plumas Bancorp Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

Plumas Bancorp Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Plumas Bancorp Revenue
Year Revenue Growth
1999 2.454.000
2000 2.667.000 7.99%
2001 15.630.000 82.94%
2002 17.629.000 11.34%
2003 19.175.000 8.06%
2004 21.980.000 12.76%
2005 25.357.000 13.32%
2006 27.688.000 8.42%
2007 27.196.000 -1.81%
2008 25.167.000 -8.06%
2009 24.933.000 -0.94%
2010 26.094.000 4.45%
2011 23.982.000 -8.81%
2012 23.512.000 -2%
2013 24.527.000 4.14%
2014 26.769.000 8.38%
2015 29.126.000 8.09%
2016 31.729.000 8.2%
2017 36.216.000 12.39%
2018 41.967.000 13.7%
2019 45.690.000 8.15%
2020 46.859.000 2.49%
2021 55.650.000 15.8%
2022 69.285.000 19.68%
2023 79.844.000 13.22%
2023 85.314.000 6.41%
2024 93.448.000 8.7%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Plumas Bancorp Research and Development Expenses
Year Research and Development Expenses Growth
1999 0
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Plumas Bancorp General and Administrative Expenses
Year General and Administrative Expenses Growth
1999 0
2000 0 0%
2001 5.867.000 100%
2002 6.269.000 6.41%
2003 7.442.000 15.76%
2004 8.831.000 15.73%
2005 9.514.000 7.18%
2006 10.043.000 5.27%
2007 11.200.000 10.33%
2008 10.884.000 -2.9%
2009 11.054.000 1.54%
2010 9.732.000 -13.58%
2011 9.195.000 -5.84%
2012 10.984.000 16.29%
2013 10.478.000 -4.83%
2014 11.180.000 6.28%
2015 12.027.000 7.04%
2016 12.352.000 2.63%
2017 13.559.000 8.9%
2018 14.160.000 4.24%
2019 15.042.000 5.86%
2020 15.408.000 2.38%
2021 15.454.000 0.3%
2022 18.585.000 16.85%
2023 21.844.000 14.92%
2023 21.820.000 -0.11%
2024 22.668.000 3.74%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Plumas Bancorp EBITDA
Year EBITDA Growth
1999 7.364.000
2000 9.287.000 20.71%
2001 11.753.000 20.98%
2002 10.577.000 -11.12%
2003 10.826.000 2.3%
2004 11.104.000 2.5%
2005 14.630.000 24.1%
2006 17.910.000 18.31%
2007 17.607.000 -1.72%
2008 7.496.000 -134.89%
2009 -10.337.000 172.52%
2010 6.200.000 266.73%
2011 4.493.000 -37.99%
2012 5.648.000 20.45%
2013 8.540.000 33.86%
2014 10.823.000 21.09%
2015 11.890.000 8.97%
2016 14.332.000 17.04%
2017 17.548.000 18.33%
2018 21.404.000 18.02%
2019 22.771.000 6%
2020 21.376.000 -6.53%
2021 30.160.000 29.12%
2022 38.817.000 22.3%
2023 43.480.000 10.72%
2023 237.000 -18245.99%
2024 -944.000 125.11%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Plumas Bancorp Gross Profit
Year Gross Profit Growth
1999 2.454.000
2000 2.667.000 7.99%
2001 15.630.000 82.94%
2002 17.629.000 11.34%
2003 19.175.000 8.06%
2004 21.980.000 12.76%
2005 25.357.000 13.32%
2006 27.688.000 8.42%
2007 27.196.000 -1.81%
2008 25.167.000 -8.06%
2009 24.933.000 -0.94%
2010 26.094.000 4.45%
2011 23.982.000 -8.81%
2012 23.512.000 -2%
2013 24.527.000 4.14%
2014 26.688.000 8.1%
2015 29.124.000 8.36%
2016 31.623.000 7.9%
2017 36.152.000 12.53%
2018 41.798.000 13.51%
2019 45.690.000 8.52%
2020 46.859.000 2.49%
2021 55.650.000 15.8%
2022 69.285.000 19.68%
2023 79.844.000 13.22%
2023 85.314.000 6.41%
2024 93.448.000 8.7%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Plumas Bancorp Net Profit
Year Net Profit Growth
1999 2.268.000
2000 2.563.000 11.51%
2001 2.758.000 7.07%
2002 3.154.000 12.56%
2003 3.281.000 3.87%
2004 3.646.000 10.01%
2005 4.528.000 19.48%
2006 5.202.000 12.96%
2007 4.223.000 -23.18%
2008 304.000 -1289.14%
2009 -9.146.000 103.32%
2010 971.000 1041.92%
2011 941.000 -3.19%
2012 1.950.000 51.74%
2013 3.431.000 43.17%
2014 4.738.000 27.59%
2015 5.818.000 18.56%
2016 7.474.000 22.16%
2017 8.189.000 8.73%
2018 13.992.000 41.47%
2019 15.512.000 9.8%
2020 14.475.000 -7.16%
2021 21.009.000 31.1%
2022 26.444.000 20.55%
2023 31.880.000 17.05%
2023 29.776.000 -7.07%
2024 27.144.000 -9.7%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Plumas Bancorp Earning per Share (EPS)
Year Earning per Share (EPS) Growth
1999 0
2000 1 0%
2001 1 0%
2002 1 0%
2003 1 0%
2004 1 0%
2005 1 0%
2006 1 100%
2007 1 0%
2008 0 0%
2009 -2 100%
2010 0 0%
2011 0 0%
2012 0 0%
2013 1 0%
2014 1 0%
2015 1 100%
2016 2 0%
2017 2 0%
2018 3 50%
2019 3 33.33%
2020 3 -50%
2021 4 33.33%
2022 5 25%
2023 5 20%
2023 5 0%
2024 5 -25%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Plumas Bancorp Free Cashflow
Year Free Cashflow Growth
2001 2.571.000
2002 1.228.000 -109.36%
2003 4.574.000 73.15%
2004 7.495.000 38.97%
2005 4.451.000 -68.39%
2006 2.530.000 -75.93%
2007 6.843.000 63.03%
2008 4.129.000 -65.73%
2009 -183.000 2356.28%
2010 8.905.000 102.06%
2011 9.815.000 9.27%
2012 4.890.000 -100.72%
2013 10.355.000 52.78%
2014 5.120.000 -102.25%
2015 4.582.000 -11.74%
2016 8.299.000 44.79%
2017 10.947.000 24.19%
2018 11.773.000 7.02%
2019 14.080.000 16.38%
2020 23.024.000 38.85%
2021 -9.349.000 346.27%
2022 53.862.000 117.36%
2023 225.000 -23838.67%
2023 32.057.000 99.3%
2024 4.474.000 -616.52%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Plumas Bancorp Operating Cashflow
Year Operating Cashflow Growth
2001 3.966.000
2002 3.370.000 -17.69%
2003 6.161.000 45.3%
2004 8.304.000 25.81%
2005 7.845.000 -5.85%
2006 7.695.000 -1.95%
2007 7.939.000 3.07%
2008 6.319.000 -25.64%
2009 70.000 -8927.14%
2010 10.115.000 99.31%
2011 10.086.000 -0.29%
2012 5.805.000 -73.75%
2013 10.707.000 45.78%
2014 5.345.000 -100.32%
2015 7.227.000 26.04%
2016 8.899.000 18.79%
2017 11.478.000 22.47%
2018 15.639.000 26.61%
2019 15.477.000 -1.05%
2020 24.630.000 37.16%
2021 -8.418.000 392.59%
2022 56.885.000 114.8%
2023 225.000 -25182.22%
2023 34.335.000 99.34%
2024 4.704.000 -629.91%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Plumas Bancorp Capital Expenditure
Year Capital Expenditure Growth
2001 1.395.000
2002 2.142.000 34.87%
2003 1.587.000 -34.97%
2004 809.000 -96.17%
2005 3.394.000 76.16%
2006 5.165.000 34.29%
2007 1.096.000 -371.26%
2008 2.190.000 49.95%
2009 253.000 -765.61%
2010 1.210.000 79.09%
2011 271.000 -346.49%
2012 915.000 70.38%
2013 352.000 -159.94%
2014 225.000 -56.44%
2015 2.645.000 91.49%
2016 600.000 -340.83%
2017 531.000 -12.99%
2018 3.866.000 86.26%
2019 1.397.000 -176.74%
2020 1.606.000 13.01%
2021 931.000 -72.5%
2022 3.023.000 69.2%
2023 0 0%
2023 2.278.000 100%
2024 230.000 -890.43%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Plumas Bancorp Equity
Year Equity Growth
1999 16.813.000
2000 18.165.000 7.44%
2001 20.617.000 11.89%
2002 23.288.000 11.47%
2003 25.749.000 9.56%
2004 27.891.000 7.68%
2005 31.137.000 10.42%
2006 35.852.000 13.15%
2007 37.139.000 3.47%
2008 35.437.000 -4.8%
2009 38.231.000 7.31%
2010 37.988.000 -0.64%
2011 39.634.000 4.15%
2012 41.850.000 5.3%
2013 30.593.000 -36.8%
2014 36.497.000 16.18%
2015 42.496.000 14.12%
2016 47.994.000 11.46%
2017 55.700.000 13.83%
2018 66.932.000 16.78%
2019 84.505.000 20.8%
2020 100.154.000 15.62%
2021 134.082.000 25.3%
2022 119.004.000 -12.67%
2023 119.925.000 0.77%
2023 147.317.000 18.59%
2024 165.155.000 10.8%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Plumas Bancorp Assets
Year Assets Growth
1999 212.315.000
2000 243.601.000 12.84%
2001 275.090.000 11.45%
2002 325.464.000 15.48%
2003 390.262.000 16.6%
2004 417.346.000 6.49%
2005 472.803.000 11.73%
2006 473.239.000 0.09%
2007 453.115.000 -4.44%
2008 457.175.000 0.89%
2009 528.117.000 13.43%
2010 484.480.000 -9.01%
2011 455.349.000 -6.4%
2012 477.802.000 4.7%
2013 515.725.000 7.35%
2014 538.862.000 4.29%
2015 599.286.000 10.08%
2016 657.975.000 8.92%
2017 745.427.000 11.73%
2018 824.398.000 9.58%
2019 865.191.000 4.71%
2020 1.111.576.000 22.17%
2021 1.614.074.000 31.13%
2022 1.621.044.000 0.43%
2023 1.572.874.000 -3.06%
2023 1.612.335.000 2.45%
2024 1.642.097.000 1.81%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Plumas Bancorp Liabilities
Year Liabilities Growth
1999 0
2000 0 0%
2001 2.267.000 100%
2002 302.176.000 99.25%
2003 364.513.000 17.1%
2004 389.455.000 6.4%
2005 441.666.000 11.82%
2006 437.387.000 -0.98%
2007 415.976.000 -5.15%
2008 421.738.000 1.37%
2009 489.886.000 13.91%
2010 10.310.000 -4651.56%
2011 10.310.000 0%
2012 435.952.000 97.64%
2013 485.132.000 10.14%
2014 502.365.000 3.43%
2015 556.790.000 9.77%
2016 609.981.000 8.72%
2017 689.727.000 11.56%
2018 757.466.000 8.94%
2019 780.686.000 2.97%
2020 1.011.422.000 22.81%
2021 1.479.992.000 31.66%
2022 1.502.040.000 1.47%
2023 1.452.949.000 -3.38%
2023 1.465.018.000 0.82%
2024 1.476.942.000 0.81%

Plumas Bancorp Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
14.8
Net Income per Share
4.84
Price to Earning Ratio
7.86x
Price To Sales Ratio
2.57x
POCF Ratio
8.12
PFCF Ratio
8.36
Price to Book Ratio
1.36
EV to Sales
3.13
EV Over EBITDA
26.16
EV to Operating CashFlow
9.91
EV to FreeCashFlow
10.19
Earnings Yield
0.13
FreeCashFlow Yield
0.12
Market Cap
0,22 Bil.
Enterprise Value
0,27 Bil.
Graham Number
55.23
Graham NetNet
-156.37

Income Statement Metrics

Net Income per Share
4.84
Income Quality
0.97
ROE
0.19
Return On Assets
0.02
Return On Capital Employed
0.02
Net Income per EBT
0.74
EBT Per Ebit
0.99
Ebit per Revenue
0.42
Effective Tax Rate
0.26

Margins

Sales, General, & Administrative to Revenue
0.26
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
0.78
Operating Profit Margin
0.42
Pretax Profit Margin
0.42
Net Profit Margin
0.31

Dividends

Dividend Yield
0.03
Dividend Yield %
2.79
Payout Ratio
0.21
Dividend Per Share
1.06

Operating Metrics

Operating Cashflow per Share
4.68
Free CashFlow per Share
4.55
Capex to Operating CashFlow
0.03
Capex to Revenue
0.01
Capex to Depreciation
0.77
Return on Invested Capital
0.1
Return on Tangible Assets
0.02
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0.13

Balance Sheet

Cash per Share
94,13
Book Value per Share
28,01
Tangible Book Value per Share
27.08
Shareholders Equity per Share
28.01
Interest Debt per Share
23.94
Debt to Equity
0.81
Debt to Assets
0.08
Net Debt to EBITDA
4.71
Current Ratio
0.12
Tangible Asset Value
0,16 Bil.
Net Current Asset Value
-1,37 Bil.
Invested Capital
-745247000
Working Capital
-0,79 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
0.6

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Plumas Bancorp Dividends
Year Dividends Growth
2003 0
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 1 0%
2022 1 0%
2023 1 100%
2024 1 0%

Plumas Bancorp Profile

About Plumas Bancorp

Plumas Bancorp operates as the bank holding company for the Plumas Bank that provides various banking products and services for small and middle market businesses, and individuals in Northeastern California and Northwestern Nevada. The company accepts various deposits, such as checking, money market checking, business sweep, public funds sweep, savings, time deposit, and retirement accounts. Its loan portfolio includes term real estate, commercial, and industrial term loans; government-guaranteed and agricultural loans, as well as credit lines; consumer, automobile, and home equity loans; land development and construction loans; and small business administration loans. The company also provides remote deposit, telephone and mobile banking, internet banking with bill-pay options, cashier's check, bank-by-mail, automated teller machine, night depository, safe deposit box, direct deposit, electronic funds transfer, and other customary banking services. As of February 28, 2022, it operated 14 full-service branches and 3 lending offices. Plumas Bancorp was incorporated in 1980 and is headquartered in Reno, Nevada.

CEO
Mr. Andrew J. Ryback CPA
Employee
189
Address
5525 Kietzke Lane
Reno, 89511

Plumas Bancorp Executives & BODs

Plumas Bancorp Executives & BODs
# Name Age
1 Ms. Jamie Huynh
Administrative Coordinator Board & Investor Relations
70
2 Mr. Andrew J. Ryback CPA
President, Chief Executive Officer & Director
70
3 Mr. Richard L. Belstock CPA
Executive Vice President & Chief Financial Officer
70
4 Ms. Elizabeth Kuipers
Vice President & Marketing Manager
70
5 Ms. Michonne R. Ascuaga
Independent Director & Secretary
70
6 Ms. B. J. North
Executive Vice President & Chief Banking Officer of Plumas Bank
70
7 Mr. Aaron M. Boigon
Executive Vice President & Chief Information Officer
70
8 Mr. Jeffrey T. Moore
Executive Vice President & Chief Credit Officer of Plumas Bank
70

Plumas Bancorp Competitors