Plumas Bancorp (PLBC) stock analysis

P/E above its 5-year median

Plumas Bancorp's P/E of 10.5 is above its own 5-year median of 8.8.

P/E above the industry

Plumas Bancorp's P/E of 10.5 is above the Non-depository Credit Institutions median of 8.6.

EV/EBITDA against its history

Needs positive EBITDA and price history.

P/B above the industry

Plumas Bancorp's price-to-book of 1.66 is above the Non-depository Credit Institutions median of 1.00.

Trading above fair value

The share price of $62.74 is above our fair value estimate of $52.27.

Margin of safety under 20%

The price is 20.0% above fair value, so there is no margin of safety.

Revenue growing 10%+ a year

Revenue grew 12.2% a year over the last three fiscal years.

EPS growing under 10% a year

Diluted EPS grew 0.5% a year over the last three fiscal years.

Earnings growth accelerating

Net income grew 59.4% over the last twelve months, against a 5-year average of 15.4% a year.

Growing faster than the industry

Revenue grew 389% over the last twelve months; the Non-depository Credit Institutions median is 19.6%.

Company guidance

No outlook found in earnings releases from the last twelve months.

Gross margin trend

This company does not report gross profit.

Return on equity over 15%

Return on equity was 16.6% over the last twelve months and averaged 18.5% over five years.

Return on invested capital

Needs operating income and invested capital.

Return on equity above the industry

Plumas Bancorp's return on equity of 16.6% is above the Non-depository Credit Institutions median of 13.1%.

Earnings grew over 5 years

Net income grew 15.4% a year on average over the last five fiscal years.

Net margin above its 5-year average

Net margin was 36.7% over the last twelve months, against a 5-year average of 35.5%.

Net margin above the industry

Plumas Bancorp's net margin of 36.7% is above the Non-depository Credit Institutions median of 12.7%.

No debt

Plumas Bancorp has no borrowings on its latest balance sheet.

Debt not rising

With no debt today, leverage cannot have risen.

Debt covered by cash flow

There is no debt to cover.

Interest well covered

No meaningful interest expense to cover.

Short-term liquidity

The balance sheet is not split into current and non-current items.

Elevated bankruptcy risk

The Altman Z-score is 0.32; above 3 is the safe zone and below 1.8 the distress zone.

Pays a dividend

Plumas Bancorp paid dividends worth 2.1% of the share price over the last twelve months.

Yield below Treasuries

The 2.1% yield is below the 4.4% on a 1-year Treasury.

Yield below the top quarter

The top quarter of US dividend payers yield 3.8% or more; Plumas Bancorp yields 2.1%.

Dividend was cut

The dividend per share fell by more than 10% at least once in the last 10 fiscal years.

Covered by earnings

Dividends take 21.4% of net income.

Covered by free cash flow

Dividends take 21.6% of free cash flow.