PLUMAS BANCORP (PLBC) Stock Fundamental Analysis
NASDAQ:PLBC - Nasdaq - US7292731020 - Common Stock - Currency: USD
We assign a fundamental rating of 4 out of 10 to PLBC. PLBC was compared to 405 industry peers in the Banks industry. There are concerns on the financial health of PLBC while its profitability can be described as average. PLBC is not priced too expensively while it is growing strongly. Keep and eye on this one!
1. Profitability
1.1 Basic Checks
PLBC had positive earnings in the past year.
In the past year PLBC had a positive cash flow from operations.
In the past 5 years PLBC has always been profitable.
The reported operating cash flow has been mixed in the past 5 years: PLBC reported negative operating cash flow in multiple years.
1.2 Ratios
With an excellent Return On Assets value of 1.71%, PLBC belongs to the best of the industry, outperforming 93.98% of the companies in the same industry.
The Return On Equity of PLBC (15.60%) is better than 93.23% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.71% | ||
| ROE | 15.6% | ||
| ROIC | N/A |
ROA(3y)1.75%
ROA(5y)1.57%
ROE(3y)19.51%
ROE(5y)17.73%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
Looking at the Profit Margin, with a value of 34.91%, PLBC belongs to the top of the industry, outperforming 92.23% of the companies in the same industry.
In the last couple of years the Profit Margin of PLBC has remained more or less at the same level.
The Operating Margin and Gross Margin are not available for PLBC so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 34.91% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-2.77%
PM growth 5Y0.45%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
PLBC does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for PLBC has been increased compared to 1 year ago.
PLBC has more shares outstanding than it did 5 years ago.
PLBC has a better debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of PLBC is 4.20, which is a neutral value as it means it would take PLBC, 4.20 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 4.20, PLBC is in line with its industry, outperforming 40.10% of the companies in the same industry.
A Debt/Equity ratio of 0.51 indicates that PLBC is somewhat dependend on debt financing.
With a Debt to Equity ratio value of 0.51, PLBC is not doing good in the industry: 76.44% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.51 | ||
| Debt/FCF | 4.2 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC7.93%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
PLBC shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -4.39%.
The Earnings Per Share has been growing by 10.06% on average over the past years. This is quite good.
PLBC shows a small growth in Revenue. In the last year, the Revenue has grown by 2.43%.
The Revenue has been growing by 12.53% on average over the past years. This is quite good.
EPS 1Y (TTM)-4.39%
EPS 3Y8.45%
EPS 5Y10.06%
EPS Q2Q%1.57%
Revenue 1Y (TTM)2.43%
Revenue growth 3Y14.01%
Revenue growth 5Y12.53%
Sales Q2Q%5.75%
3.2 Future
PLBC is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 13.10% yearly.
Based on estimates for the next years, PLBC will show a very strong growth in Revenue. The Revenue will grow by 29.55% on average per year.
EPS Next Y-7.22%
EPS Next 2Y13.1%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year37.08%
Revenue Next 2Y29.55%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 9.24, which indicates a very decent valuation of PLBC.
Compared to the rest of the industry, the Price/Earnings ratio of PLBC indicates a rather cheap valuation: PLBC is cheaper than 87.72% of the companies listed in the same industry.
PLBC is valuated cheaply when we compare the Price/Earnings ratio to 29.62, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 9.95, the valuation of PLBC can be described as reasonable.
Based on the Price/Forward Earnings ratio, PLBC is valued a bit cheaper than 71.43% of the companies in the same industry.
PLBC's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.70.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.24 | ||
| Fwd PE | 9.95 |
4.2 Price Multiples
PLBC's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.92 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PLBC's earnings are expected to grow with 13.10% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)0.92
EPS Next 2Y13.1%
EPS Next 3YN/A
5. Dividend
5.1 Amount
PLBC has a Yearly Dividend Yield of 2.67%.
Compared to an average industry Dividend Yield of 3.19, PLBC has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.27, PLBC has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.67% |
5.2 History
On average, the dividend of PLBC grows each year by 22.52%, which is quite nice.
PLBC has paid a dividend for at least 10 years, which is a reliable track record.
PLBC has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)22.52%
Div Incr Years4
Div Non Decr Years4
5.3 Sustainability
PLBC pays out 21.96% of its income as dividend. This is a sustainable payout ratio.
PLBC's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP21.96%
EPS Next 2Y13.1%
EPS Next 3YN/A
44.24
-0.71 (-1.58%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners47.24%
Inst Owner Change-72.2%
Ins Owners6.17%
Ins Owner Change0.87%
Market Cap261.02M
Analysts85
Price Target57.63 (30.27%)
Short Float %0.85%
Short Ratio4.17
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.67% |
Yearly Dividend1
Dividend Growth(5Y)22.52%
DP21.96%
Div Incr Years4
Div Non Decr Years4
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)7.6%
Min EPS beat(2)2.54%
Max EPS beat(2)12.66%
EPS beat(4)3
Avg EPS beat(4)0.73%
Min EPS beat(4)-13.49%
Max EPS beat(4)12.66%
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)0.49%
Min Revenue beat(2)-0.03%
Max Revenue beat(2)1.01%
Revenue beat(4)1
Avg Revenue beat(4)-1.1%
Min Revenue beat(4)-3.45%
Max Revenue beat(4)1.01%
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)7.62%
PT rev (3m)25.56%
EPS NQ rev (1m)0%
EPS NQ rev (3m)3.48%
EPS NY rev (1m)-3.18%
EPS NY rev (3m)4.99%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.1%
Revenue NY rev (1m)18.68%
Revenue NY rev (3m)22.34%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.24 | ||
| Fwd PE | 9.95 | ||
| P/S | 3.21 | ||
| P/FCF | 11.92 | ||
| P/OCF | 11.48 | ||
| P/B | 1.43 | ||
| P/tB | 1.48 | ||
| EV/EBITDA | N/A |
EPS(TTM)4.79
EY10.83%
EPS(NY)4.44
Fwd EY10.05%
FCF(TTM)3.71
FCFY8.39%
OCF(TTM)3.85
OCFY8.71%
SpS13.78
BVpS30.84
TBVpS29.91
PEG (NY)N/A
PEG (5Y)0.92
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.71% | ||
| ROE | 15.6% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 34.91% | ||
| GM | N/A | ||
| FCFM | 26.94% |
ROA(3y)1.75%
ROA(5y)1.57%
ROE(3y)19.51%
ROE(5y)17.73%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-2.77%
PM growth 5Y0.45%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.05
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.51 | ||
| Debt/FCF | 4.2 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 53.07% | ||
| Cap/Sales | 1.03% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 77.15% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score4
WACC7.93%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-4.39%
EPS 3Y8.45%
EPS 5Y10.06%
EPS Q2Q%1.57%
EPS Next Y-7.22%
EPS Next 2Y13.1%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)2.43%
Revenue growth 3Y14.01%
Revenue growth 5Y12.53%
Sales Q2Q%5.75%
Revenue Next Year37.08%
Revenue Next 2Y29.55%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-47.82%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-48.65%
OCF growth 3YN/A
OCF growth 5YN/A