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Plumas Bancorp (PLBC) Financial Ratios

25 years of historical data (2001–2025) · Financial Services · Banks - Regional

View Quarterly Ratios →

P/E Ratio

↑

12.47

↑+38% vs avg

5yr avg: 9.04

050%ile100

30Y Low7.5·High125.0

View P/E History →

EV/EBITDA

↑

11.76

↑+97% vs avg

5yr avg: 5.96

094%ile100

30Y Low1.5·High29.8

P/FCF

↑

19.64

↑+127% vs avg

5yr avg: 8.67

087%ile100

30Y Low1.2·High41.1

P/B Ratio

↓

1.41

-7% vs avg

5yr avg: 1.52

044%ile100

30Y Low0.3·High3.4

ROE

↓

13.5%

↑-27% vs avg

5yr avg: 18.5%

040%ile100

30Y Low-25%·High23%

Debt/EBITDA

↑

3.74

↑+92% vs avg

5yr avg: 1.94

083%ile100

30Y Low0.8·High21.3

Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.

PLBC Valuation Multiples

Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow

Plumas Bancorp trades at 12.5x earnings, 38% above its 5-year average of 9.0x, sitting at the 50th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.9x, the stock trades at a discount of 10%. On a free-cash-flow basis, the stock trades at 19.6x P/FCF, 127% above the 5-year average of 8.7x.

Metric	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016
Market Cap	$398M	$291M	$282M	$245M	$219M	$189M	$123M	$138M	$119M	$120M	$97M
Enterprise Value	$466M	$359M	$262M	$276M	$65M	$-164341430	$-32816000	$117M	$95M	$53M	$54M
P/E Ratio →	12.47	9.84	9.85	8.24	8.29	8.99	8.48	8.88	8.47	14.68	12.93
P/S Ratio	3.68	2.69	3.87	2.89	3.11	3.34	2.57	2.92	2.75	3.24	2.97
P/B Ratio	1.41	1.12	1.59	1.67	1.84	1.41	1.23	1.63	1.77	2.16	2.02
P/FCF	19.64	14.36	9.45	6.80	4.07	—	5.34	9.80	10.07	10.99	11.67
P/OCF	18.45	13.49	9.24	6.40	3.85	—	4.99	8.91	7.58	10.48	10.88

P/E links to full P/E history page with 30-year chart

PLBC EV Ratios

Enterprise-value multiples — capital-structure-neutral measures of total business value

Plumas Bancorp's enterprise value stands at 11.8x EBITDA, 97% above its 5-year average of 6.0x. This is roughly in line with the Financial Services sector median of 11.5x.

Metric	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016
EV / Revenue	—	3.31	3.59	3.25	0.92	-2.91	-0.69	2.48	2.21	1.43	1.67
EV / EBITDA	11.76	9.06	6.47	6.59	1.72	-5.45	-1.54	5.15	4.72	3.21	4.09
EV / EBIT	11.76	9.06	6.71	6.86	1.81	-5.77	-1.64	5.49	4.98	3.43	4.45
EV / FCF	—	17.68	8.78	7.65	1.20	—	-1.43	8.33	8.09	4.85	6.56

PLBC Profitability

Margins and return-on-capital ratios measuring operating efficiency

Plumas Bancorp earns an operating margin of 36.6%, significantly above the Financial Services sector average of 20.2%. Operating margins have compressed from 47.4% to 36.6% over the past 3 years, signaling potential cost pressures or competitive headwinds. ROE of 13.5% is modest. ROIC of 9.2% represents adequate returns on invested capital versus a sector median of 5.4%.

Margins

Full margin charts and quarterly trend are on the Earnings History page

Metric	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016
Gross Margin	80.9%	80.9%	83.8%	91.1%	96.4%	96.0%	90.8%	93.1%	94.8%	95.6%	94.4%
Operating Margin	36.6%	36.6%	53.5%	47.4%	50.6%	50.4%	41.7%	45.3%	44.4%	41.7%	37.5%
Net Profit Margin	27.4%	27.4%	39.3%	35.1%	37.5%	37.2%	30.2%	32.9%	32.5%	22.0%	22.9%

Return on Capital

Metric	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016
ROE	13.5%	13.5%	17.6%	22.4%	20.9%	17.9%	15.7%	20.5%	22.8%	15.8%	16.5%
ROA	1.5%	1.5%	1.8%	1.8%	1.6%	1.5%	1.5%	1.8%	1.8%	1.2%	1.2%
ROIC	9.2%	9.2%	11.6%	14.7%	17.3%	14.7%	12.5%	15.9%	17.2%	16.1%	13.7%
ROCE	14.1%	14.1%	16.1%	21.0%	26.1%	21.9%	19.0%	24.9%	26.7%	24.5%	20.7%

PLBC Leverage & Debt

Solvency and debt-coverage ratios — lower is generally safer

Plumas Bancorp carries a Debt/EBITDA ratio of 3.7x, which is moderately leveraged (12% below the sector average of 4.3x). Net debt stands at $67M ($148M total debt minus $81M cash). Interest coverage of just 2.9x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.

Metric	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016
Debt / Equity	0.57	0.57	0.35	0.79	0.24	0.21	0.29	0.31	0.35	0.37	0.42
Debt / EBITDA	3.74	3.74	1.53	2.77	0.77	0.91	1.37	1.16	1.16	1.23	1.52
Net Debt / Equity	—	0.26	-0.11	0.21	-1.30	-2.63	-1.55	-0.24	-0.35	-1.21	-0.88
Net Debt / EBITDA	1.70	1.70	-0.50	0.73	-4.11	-11.70	-7.28	-0.91	-1.16	-4.06	-3.19
Debt / FCF	—	3.32	-0.68	0.84	-2.87	—	-6.76	-1.46	-1.98	-6.13	-5.11
Interest Coverage	2.85	2.85	3.67	8.38	28.56	25.08	16.25	12.24	15.47	15.25	11.96

PLBC Liquidity & Efficiency

Short-term solvency ratios and asset-utilisation metrics

The current ratio of 0.25x is below 1.0, meaning current liabilities exceed current assets. The current ratio has declined from 0.42x to 0.25x over the past 3 years.

Metric	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016
Current Ratio	0.25	0.25	0.37	0.42	0.45	0.49	0.38	0.29	0.31	0.35	0.30
Quick Ratio	0.25	0.25	0.37	0.42	0.45	0.49	0.38	0.29	0.31	0.35	0.30
Cash Ratio	0.04	0.04	0.06	0.06	0.12	0.26	0.19	0.06	0.06	0.13	0.10
Asset Turnover	—	0.05	0.04	0.05	0.04	0.04	0.04	0.05	0.05	0.05	0.05
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—
Days Sales Outstanding	—	—	—	—	—	—	—	—	—	—	—

PLBC Shareholder Yields

Earnings, FCF, buyback, and dividend yields — total returns to shareholders

Plumas Bancorp returns 2.1% to shareholders annually primarily through dividends. The payout ratio of 26.1% is conservative, leaving significant room for dividend growth or reinvestment. The earnings yield of 8.0% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.

Dividends

Full dividend history and growth charts are on the Dividend History page

Metric	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016
Dividend Yield	2.1%	—	—	—	—	—	—	—	—	—	—
Payout Ratio	26.1%	26.1%	22.2%	19.7%	14.1%	14.7%	12.9%	15.3%	13.2%	17.1%	6.5%

Total Shareholder Return Metrics

Metric	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016
Earnings Yield	8.0%	10.2%	10.2%	12.1%	12.1%	11.1%	11.8%	11.3%	11.8%	6.8%	7.7%
FCF Yield	5.1%	7.0%	10.6%	14.7%	24.6%	—	18.7%	10.2%	9.9%	9.1%	8.6%
Buyback Yield	0.0%	—	—	—	—	—	—	—	—	—	—
Total Shareholder Yield	2.1%	—	—	—	—	—	—	—	—	—	—
Shares Outstanding	—	$7M	$6M	$6M	$6M	$6M	$5M	$5M	$5M	$5M	$5M

Peer Comparison

Compare PLBC with 10 similar companies in its peer group

Company	Market Cap	P/E	EV/EBITDA	P/FCF	Gross Margin	Op Margin	ROE	ROIC	Debt/EBITDA
PLBCYou	$398M	12.5	11.8	19.6	80.9%	36.6%	13.5%	9.2%	3.7
BSVN	$446M	10.3	3.5	10.8	70.2%	41.4%	18.6%	18.3%	—
HAFC	$949M	12.6	9.0	4.7	57.5%	24.3%	10.0%	7.4%	2.5
CVBF	$3B	14.0	13.4	13.3	79.9%	43.8%	9.3%	6.8%	3.5
WAFD	$3B	14.1	13.4	13.7	50.9%	20.5%	7.5%	3.9%	6.1
BANR	$2B	11.9	9.8	9.2	79.0%	29.5%	10.5%	7.7%	1.5
COLB	$7B	13.6	12.2	10.6	67.7%	23.4%	8.5%	5.4%	4.5
PFIS	$636M	10.8	11.6	14.7	66.6%	25.7%	12.0%	7.7%	3.6
FNF	$13B	21.7	6.7	2.0	98.2%	9.9%	6.9%	10.1%	2.1
JKHY	$9B	20.5	11.9	15.8	42.7%	23.9%	21.4%	21.0%	—
FIS	$20B	52.3	6.5	7.2	36.9%	16.5%	2.6%	6.0%	1.1
Financial Services Median	—	13.9	11.5	11.2	64.1%	20.2%	9.0%	5.4%	4.3

Peer selection based on competitive and market overlap. Compare multiple stocks →

Download Financial Ratios Data

Includes 30+ ratios · 25 years · Updated daily

PLBC — Frequently Asked Questions

Quick answers to the most common questions about buying PLBC stock.

What is Plumas Bancorp's P/E ratio?

Plumas Bancorp's current P/E ratio is 12.5x. The historical average is 19.6x. This places it at the 50th percentile of its historical range.

What is Plumas Bancorp's EV/EBITDA?

Plumas Bancorp's current EV/EBITDA is 11.8x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 7.0x.

What is Plumas Bancorp's ROE?

Plumas Bancorp's return on equity (ROE) is 13.5%. The historical average is 12.2%.

Is PLBC stock overvalued?

Based on historical data, Plumas Bancorp is trading at a P/E of 12.5x. This is at the 50th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.

What is Plumas Bancorp's dividend yield?

Plumas Bancorp's current dividend yield is 2.09% with a payout ratio of 26.1%.

What are Plumas Bancorp's profit margins?

Plumas Bancorp has 80.9% gross margin and 36.6% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.

How much debt does Plumas Bancorp have?

Plumas Bancorp's Debt/EBITDA ratio is 3.7x, indicating high leverage. A ratio between 2-4x is manageable but warrants monitoring.