Last 46 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 | Q2 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 13.78 | 8.84 | 7.16 | 14.77 | 10.59 | 9.01 | 9.16 | 7.78 | 7.89 | 8.76 | 8.14 | 6.37 | 7.97 | 6.65 | 7.02 | 5.77 | 7.43 | 9.82 | 9.08 | 7.05 | 9.42 |
| — | -1.9% | -21.8% | +89.8% | +34.2% | +2.9% | +12.5% | +22.2% | -1.0% | +31.7% | +16.0% | +10.5% | +7.2% | -32.3% | -22.7% | -18.2% | -21.1% | +14.1% | +26.8% | +1.7% | +3.9% | |
| P/S Ratio | 4.62 | 3.07 | 2.75 | 2.51 | 3.25 | 2.99 | 3.36 | 2.90 | 2.61 | — | 3.09 | 2.54 | 2.74 | 2.41 | 2.82 | 2.30 | 2.63 | 3.62 | 3.24 | 3.01 | 3.59 |
| — | +2.5% | -18.1% | -13.4% | +24.5% | — | +8.8% | +14.2% | -4.8% | — | +9.6% | +10.5% | +4.2% | -33.2% | -13.1% | -23.7% | -26.7% | +20.3% | +31.0% | +36.1% | +34.4% | |
| P/B Ratio | 1.56 | 1.30 | 1.20 | 1.11 | 1.38 | 1.38 | 1.59 | 1.34 | 1.30 | 1.35 | 1.67 | 1.69 | 1.65 | 1.57 | 1.84 | 1.57 | 1.45 | 1.83 | 1.49 | 1.43 | 1.58 |
| — | -6.0% | -24.4% | -16.7% | +6.8% | +2.2% | -4.5% | -20.8% | -21.3% | -13.7% | -9.5% | +7.5% | +13.4% | -14.3% | +23.9% | +9.5% | -8.3% | +21.7% | +21.1% | +33.8% | +27.2% | |
| P/FCF | 21.49 | 9.31 | 12.87 | 14.27 | 32.82 | 8.86 | 8.66 | 7.76 | 11.04 | 6.10 | 246.60 | 4.10 | 5.52 | 3.64 | 8.89 | 3.43 | 2.85 | 2.72 | 145.76 | — | — |
| — | +5.1% | +48.5% | +83.8% | +197.4% | +45.3% | -96.5% | +89.2% | +100.0% | +67.3% | +2673.1% | +19.7% | +93.4% | +33.9% | -93.9% | — | — | -39.5% | +3403.6% | — | — | |
| EV / EBITDA | 11.86 | 7.50 | 6.35 | 10.40 | 6.71 | 5.54 | 5.97 | 5.46 | 6.88 | 7.23 | 6.52 | 3.07 | 4.03 | 2.88 | 1.47 | -3.50 | -3.95 | -4.40 | -4.89 | -4.46 | -2.08 |
| — | +35.3% | +6.4% | +90.5% | -2.6% | -23.3% | -8.4% | +78.0% | +70.9% | +150.7% | +344.6% | +187.8% | +201.9% | +165.6% | +130.0% | +21.6% | -90.4% | -116.4% | -273.8% | -159.8% | -202.1% | |
| EV / EBIT | 12.71 | 8.09 | 6.83 | 12.00 | 6.98 | 5.75 | 6.18 | 5.67 | 7.08 | 7.62 | 6.80 | 3.19 | 4.21 | 2.99 | 1.53 | -3.67 | -4.19 | -4.66 | -5.19 | -4.69 | -2.21 |
| — | +40.9% | +10.6% | +111.6% | -1.4% | -24.6% | -9.2% | +77.6% | +68.4% | +154.6% | +343.6% | +186.9% | +200.4% | +164.2% | +129.5% | +21.7% | -89.9% | -116.1% | -274.8% | -157.5% | -199.1% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 | Q2 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 80.9% | 88.0% | 84.6% | 68.7% | 85.6% | 90.3% | 90.7% | 89.2% | 84.2% | -53.5% | 90.9% | 94.8% | 88.5% | 90.0% | 96.6% | 96.8% | 95.8% | 96.2% | 96.4% | 96.4% | 95.8% |
| — | -2.6% | -6.7% | -23.0% | +1.7% | +268.7% | -0.2% | -5.9% | -4.9% | -159.5% | -5.9% | -2.1% | -7.6% | -6.5% | +0.2% | +0.4% | -0.1% | +1.1% | +1.6% | +6.0% | +11.3% | |
| Operating Margin | 36.6% | 40.7% | 41.9% | 21.7% | 37.7% | 42.3% | 45.5% | 44.5% | 39.9% | 379.5% | 46.6% | 50.8% | 44.1% | 47.8% | 53.2% | 52.8% | 47.0% | 48.4% | 47.1% | 55.2% | 51.8% |
| — | -3.7% | -7.9% | -51.4% | -5.6% | -88.9% | -2.3% | -12.4% | -9.3% | +693.2% | -12.4% | -3.7% | -6.2% | -1.1% | +12.8% | -4.3% | -9.4% | +2.4% | +1.3% | +29.2% | +31.1% | |
| Net Margin | 27.4% | 30.2% | 32.9% | 16.1% | 27.5% | 30.3% | 33.1% | 32.6% | 29.2% | 283.2% | 34.6% | 37.5% | 32.8% | 35.3% | 39.4% | 39.1% | 34.8% | 36.0% | 35.1% | 41.7% | 37.3% |
| — | -0.3% | -0.6% | -50.6% | -5.8% | -89.3% | -4.2% | -12.9% | -11.1% | +701.6% | -12.4% | -4.1% | -5.7% | -1.8% | +12.5% | -6.4% | -6.7% | +5.6% | +4.0% | +34.7% | +30.2% |
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 | Q2 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 13.5% | 3.7% | 4.3% | 2.3% | 3.3% | 3.9% | 4.3% | 4.5% | 4.2% | 4.1% | 5.6% | 6.4% | 5.2% | 6.2% | 6.9% | 6.5% | 4.7% | 4.4% | 4.2% | 5.6% | 4.3% |
| — | -5.6% | +0.5% | -48.0% | -20.1% | -3.0% | -23.5% | -29.7% | -19.7% | -34.2% | -18.8% | -1.2% | +9.0% | +38.4% | +66.1% | +16.6% | +10.5% | +1.2% | -4.4% | +42.4% | +23.6% | |
| ROA | 1.5% | 0.4% | 0.5% | 0.3% | 0.4% | 0.4% | 0.5% | 0.5% | 0.4% | 0.4% | 0.5% | 0.5% | 0.4% | 0.5% | 0.5% | 0.4% | 0.4% | 0.4% | 0.3% | 0.5% | 0.4% |
| — | -0.2% | +4.2% | -43.7% | -6.3% | +14.6% | -0.2% | -6.5% | -2.2% | -19.3% | -1.1% | +14.7% | +20.7% | +34.9% | +38.3% | -4.7% | -3.4% | -7.7% | -10.2% | +35.1% | +9.1% | |
| ROIC | 9.2% | 2.4% | 2.6% | 1.6% | 2.6% | 3.1% | 3.0% | 2.6% | 2.1% | 2.1% | 3.7% | 5.3% | 4.3% | 5.1% | 5.7% | 5.5% | 4.1% | 3.8% | 3.5% | 4.7% | 3.6% |
| — | -22.1% | -11.7% | -36.8% | +23.1% | +45.4% | -20.2% | -51.6% | -49.7% | -58.2% | -34.8% | -3.3% | +3.8% | +34.8% | +61.8% | +18.2% | +12.4% | +5.7% | +3.6% | +55.4% | +28.8% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 | Q2 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.57 | 0.54 | 0.57 | 0.59 | 0.28 | 0.31 | 0.35 | 0.64 | 0.96 | 1.02 | 0.79 | 0.22 | 0.24 | 0.21 | 0.24 | 0.22 | 0.18 | 0.16 | 0.21 | 0.18 | 0.19 |
| — | +74.9% | +63.0% | -8.2% | -70.7% | -69.6% | -55.9% | +194.9% | +306.5% | +388.3% | +224.0% | -0.2% | +32.8% | +27.5% | +18.1% | +19.1% | -6.6% | -37.8% | -29.4% | -50.4% | -42.1% | |
| Debt / EBITDA | 3.49 | 10.14 | 9.85 | 18.20 | 6.03 | 5.60 | 5.61 | 10.54 | 16.64 | 18.66 | 10.96 | 2.32 | 3.27 | 2.51 | 2.62 | 2.26 | 2.56 | 2.47 | 3.52 | 2.59 | 3.08 |
| — | +81.1% | +75.5% | +72.6% | -63.8% | -70.0% | -48.8% | +353.7% | +409.5% | +642.8% | +318.0% | +2.6% | +27.8% | +1.5% | -25.4% | -12.7% | -17.2% | -39.8% | -24.7% | -60.4% | -51.7% | |
| Current Ratio | 0.25 | 0.33 | 0.25 | 0.28 | 0.38 | 0.11 | 0.37 | 0.42 | 0.42 | 0.44 | 0.42 | 0.40 | 0.42 | 0.44 | 0.45 | 0.50 | 0.48 | 0.50 | 0.49 | 0.47 | 0.45 |
| — | +207.5% | -34.0% | -34.1% | -10.8% | -75.7% | -11.9% | +3.9% | -0.5% | -0.6% | -6.4% | -18.6% | -12.5% | -11.4% | -7.0% | +5.1% | +8.1% | +18.2% | +26.6% | +35.0% | +49.5% | |
| Quick Ratio | 0.25 | 0.33 | 0.25 | 0.28 | 0.38 | 0.11 | 0.37 | 0.42 | 0.42 | 0.44 | 0.42 | 0.40 | 0.42 | 0.44 | 0.45 | 0.50 | 0.48 | 0.50 | 0.49 | 0.47 | 0.45 |
| — | +207.5% | -34.0% | -34.1% | -10.8% | -75.7% | -11.9% | +3.9% | -0.5% | -0.6% | -6.4% | -18.6% | -12.5% | -11.4% | -7.0% | +5.1% | +8.1% | +18.2% | +26.6% | +35.0% | +49.5% | |
| Interest Coverage | 2.85 | 3.12 | 2.94 | 1.50 | 3.54 | 4.89 | 4.60 | 3.57 | 3.37 | 3.26 | 5.41 | 8.30 | 9.08 | 16.18 | 28.50 | 33.81 | 26.50 | 25.64 | 23.86 | 27.27 | 24.72 |
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Includes 30+ ratios · 46 years · Updated daily
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Quick answers to the most common questions about buying PLBC stock.
Plumas Bancorp's current P/E is 13.8x. The average P/E over the last 4 quarters is 10.3x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Plumas Bancorp's current operating margin is 36.6%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Plumas Bancorp's business trajectory between earnings reports.