# Plumas Bancorp (PLBC) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Financial Services / Banks. Price $63.24, market value $440 million.

## Valuation
- **P/E (trailing): 12.4×** (5-yr avg 8.5×, 3-yr avg 9.0×). Plumas Bancorp trades at 12.4× trailing earnings, well above its own five-year average of 8.5×: investors are paying up relative to the company's past. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 10.8×, lower than trailing, so analysts expect earnings to grow.
- **Price / sales: 189.4×**. Each dollar of revenue is priced at 189.4×, a level that requires very high margins or very fast growth to justify.
- **Price / book: 1.6×**. The shares trade at 1.6× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 7.2%** (5-yr avg 11.1%). Free cash flow equals 7.2% of the market value, below its five-year average of 11.1%, so the shares are pricier on cash than usual. Above 5% is generally attractive.
- **Earnings yield: 8.0%**. The inverse of the P/E: 8.0% of the price is earned each year.

## Profitability
- **Return on equity: 11.3%**. 11.3% on shareholders' equity is solid.
- **Return on assets: 0.6%**. Each dollar of assets produces 0.6% of profit; low single digits are normal for banks and insurers.

## Growth
- **EPS growth (1 yr): -5.4%** (3-yr 0.5%/yr, 5-yr 10.4%/yr). Earnings per share fell 5.4%.
- **Free-cash-flow growth (3 yr): -27.8%/yr**. Free cash flow has compounded at -27.8% a year over three years, lagging earnings: check whether profits are turning into cash.

## Financial health
- **Piotroski F-score: 3/9**. 3 of 9 checks pass: weak or deteriorating financials.
- **Cash and short-term investments: $81 million**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend yield: 2.09%** ($1.26 per share, trailing). Plumas Bancorp yields 2.09%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 26%** (28% of free cash flow). 26% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 5**. 5 straight years of increases.
- **Dividend growth (5 yr): 27.2%/yr** (1-yr 11.1%). The dividend has compounded at 27.2% a year over five years, doubling roughly every 3 years at that pace.

## Price and momentum
- **Total return (1 yr): 43.8%** (YTD 43.3%, 3-mo 16.7%). The shares are up 43.8% over twelve months including dividends.
- **From 52-week high: -1.2%** (58.9% above the low). Trading within 5% of its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 62**. An RSI of 62 is neutral.
- **Beta (1 yr): 0.45** (volatility 23%). Beta of 0.45 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=PLBC · Page: https://foliofundamentals.com/stocks/plbc

Not investment advice.