Plumas Bancorp Financials

PLBC Stock  USD 34.55  0.37  1.06%   
Based on the analysis of Plumas Bancorp's profitability, liquidity, and operating efficiency, Plumas Bancorp may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter. At present, Plumas Bancorp's Total Stockholder Equity is projected to increase significantly based on the last few years of reporting. The current year's Liabilities And Stockholders Equity is expected to grow to about 1.7 B, whereas Other Assets are forecasted to decline to about 370.3 M. Key indicators impacting Plumas Bancorp's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin0.260.349
Way Down
Very volatile
Return On Assets0.01940.0185
Sufficiently Up
Slightly volatile
Return On Equity0.210.2021
Sufficiently Up
Slightly volatile
Debt Equity Ratio0.510.7707
Way Down
Pretty Stable
Current Ratio0.280.2905
Sufficiently Down
Very volatile
The essential information of the day-to-day investment outlook for Plumas Bancorp includes many different criteria found on its balance sheet. An individual investor should monitor Plumas Bancorp's cash flow, debt, and profitability to accurately make informed decisions on whether to invest in Plumas Bancorp.

Net Income

31.26 Million

  
Understanding current and past Plumas Bancorp Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Plumas Bancorp's financial statements are interrelated, with each one affecting the others. For example, an increase in Plumas Bancorp's assets may result in an increase in income on the income statement.
The data published in Plumas Bancorp's official financial statements typically reflect Plumas Bancorp's business processes, product offerings, services, and other fundamental events. However, there are additional fundamental indicators that are easier to understand and visualize along the underlying realities that are driving Plumas Bancorp's quantitative information. For example, before you start analyzing numbers published by Plumas accountants, it’s essential to understand Plumas Bancorp's liquidity, profitability, and earnings quality within the context of the Banks space in which it operates.
Please note, the presentation of Plumas Bancorp's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, Plumas Bancorp's management is honest, while the outside auditors are strict and uncompromising. Please utilize our Beneish M Score to check the likelihood of Plumas Bancorp's management manipulating its earnings.

Plumas Bancorp Stock Summary

Plumas Bancorp competes with Cullman Bancorp, HMN Financial, Home Federal, First Northwest, and Lake Shore. 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. Plumas Bancorp was incorporated in 1980 and is headquartered in Reno, Nevada. Plumas Bancorp operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 177 people.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
ISINUS7292731020
CUSIP729273102
LocationCalifornia; U.S.A
Business Address5525 Kietzke Lane,
SectorBanks
IndustryFinancials
BenchmarkNYSE Composite
Websitewww.plumasbank.com
Phone775 786 0907
CurrencyUSD - US Dollar

Plumas Bancorp Key Financial Ratios

Plumas Bancorp's financial ratios allow both analysts and investors to convert raw data from Plumas Bancorp's financial statements into concise, actionable information that can be used to evaluate the performance of Plumas Bancorp over time and compare it to other companies across industries.

Plumas Bancorp Key Balance Sheet Accounts

201920202021202220232024 (projected)
Total Assets865.2M1.1B1.6B1.6B1.6B1.7B
Other Assets470.6M535.1M571.1M477.6M549.2M370.3M
Total Liab780.7M1.0B1.5B1.5B1.5B1.5B
Other Current Liab(23.1M)(27.1M)(30.7M)(18.6M)300.9M315.9M
Net Debt(36.6M)(174.6M)(370.3M)(173.1M)30.4M31.9M
Retained Earnings75.1M87.8M105.7M128.4M151.7M159.3M
Accounts Payable23.1M27.1M30.7M33.9M39.0M52.9M
Cash46.9M184.9M380.6M183.4M85.7M76.7M
Net Receivables14.4M18.3M28.7M47.0M54.1M56.8M
Total Current Assets220.6M382.8M715.2M675.2M94.2M181.5M
Common Stock7.3M7.7M26.8M27.4M28.0M26.6M
Other Current Assets51.0M190.7M386.9M190.9M94.2M168.9M
Other Liab6.6M7.1M9.9M11.8M13.6M7.4M
Inventory(51.0M)(190.7M)(386.9M)(190.9M)(171.8M)(163.2M)
Short Term Debt16.0M13.9M17.3M19.2M23.5M13.2M
Net Tangible Assets84.5M100.2M128.6M113.5M130.5M70.1M

Plumas Bancorp Key Income Statement Accounts

201920202021202220232024 (projected)
Interest Expense1.7M1.2M1.1M1.2M4.8M2.6M
Total Revenue45.7M46.9M55.7M69.3M85.3M89.6M
Gross Profit45.7M46.9M55.7M69.3M85.3M89.6M
Operating Income21.4M20.0M28.5M38.5M(1.4M)(1.4M)
Ebit21.4M20.0M28.5M38.5M(1.4M)(1.4M)
Ebitda22.8M21.4M30.2M38.8M237K225.2K
Net Income15.5M14.5M21.0M26.4M29.8M31.3M
Income Tax Expense5.9M5.5M7.5M9.2M10.4M11.0M
Income Before Tax21.4M20.0M28.5M35.7M40.2M42.2M
Tax Provision5.9M5.5M7.5M9.2M10.5M7.3M
Net Interest Income37.6M38.4M46.9M58.5M69.5M43.7M
Interest Income39.3M39.6M48.1M59.8M72.8M45.3M

Plumas Bancorp Key Cash Accounts

201920202021202220232024 (projected)
Change In Cash256K138.0M195.7M(197.2M)(97.8M)(92.9M)
Free Cash Flow14.1M23.0M(9.3M)53.9M32.1M33.7M
Depreciation1.4M1.4M1.7M1.9M1.7M1.3M
Other Non Cash Items(206K)9.0M(26.6M)28.8M2.3M2.7M
Dividends Paid2.4M1.9M3.1M3.7M5.9M6.2M
Capital Expenditures1.4M1.6M931K3.0M2.3M1.3M
Net Income15.5M14.5M21.0M26.4M29.8M31.3M
End Period Cash Flow46.9M184.9M380.6M183.4M85.7M79.0M
Investments(36.6M)(115.0M)(146.1M)(299.6M)(177.0M)(168.1M)
Change To Netincome19.6M30.5M14.7M54.9M63.1M66.3M
Net Borrowings3.0M2.9M(1.6M)1.3M1.5M1.6M

Plumas Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Plumas Bancorp's current stock value. Our valuation model uses many indicators to compare Plumas Bancorp value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Plumas Bancorp competition to find correlations between indicators driving Plumas Bancorp's intrinsic value. More Info.
Plumas Bancorp is considered to be number one stock in return on equity category among its peers. It also is considered to be number one stock in return on asset category among its peers reporting about  0.09  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Plumas Bancorp is roughly  11.06 . At present, Plumas Bancorp's Return On Equity is projected to increase slightly based on the last few years of reporting. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Plumas Bancorp's earnings, one of the primary drivers of an investment's value.

Plumas Bancorp Systematic Risk

Plumas Bancorp's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Plumas Bancorp volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was thirty-six with a total number of output elements of twenty-five. The Beta measures systematic risk based on how returns on Plumas Bancorp correlated with the market. If Beta is less than 0 Plumas Bancorp generally moves in the opposite direction as compared to the market. If Plumas Bancorp Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Plumas Bancorp is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Plumas Bancorp is generally in the same direction as the market. If Beta > 1 Plumas Bancorp moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in Plumas Bancorp Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Plumas Bancorp's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Plumas Bancorp growth as a starting point in their analysis.

Price Earnings To Growth Ratio

0.72

At present, Plumas Bancorp's Price Earnings To Growth Ratio is projected to increase slightly based on the last few years of reporting.

Plumas Bancorp June 5, 2024 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Plumas Bancorp help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Plumas Bancorp. We use our internally-developed statistical techniques to arrive at the intrinsic value of Plumas Bancorp based on widely used predictive technical indicators. In general, we focus on analyzing Plumas Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Plumas Bancorp's daily price indicators and compare them against related drivers.

Complementary Tools for Plumas Stock analysis

When running Plumas Bancorp's price analysis, check to measure Plumas Bancorp's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Plumas Bancorp is operating at the current time. Most of Plumas Bancorp's value examination focuses on studying past and present price action to predict the probability of Plumas Bancorp's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Plumas Bancorp's price. Additionally, you may evaluate how the addition of Plumas Bancorp to your portfolios can decrease your overall portfolio volatility.
Price Transformation
Use Price Transformation models to analyze the depth of different equity instruments across global markets
Commodity Channel
Use Commodity Channel Index to analyze current equity momentum
Portfolio Analyzer
Portfolio analysis module that provides access to portfolio diagnostics and optimization engine
Idea Breakdown
Analyze constituents of all Macroaxis ideas. Macroaxis investment ideas are predefined, sector-focused investing themes
Portfolio Rebalancing
Analyze risk-adjusted returns against different time horizons to find asset-allocation targets
Alpha Finder
Use alpha and beta coefficients to find investment opportunities after accounting for the risk
ETF Categories
List of ETF categories grouped based on various criteria, such as the investment strategy or type of investments
Top Crypto Exchanges
Search and analyze digital assets across top global cryptocurrency exchanges
Analyst Advice
Analyst recommendations and target price estimates broken down by several categories