Plumas Bancorp (PLBC) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

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Comparison

Company

Score

Quality

Valuation

Financial

Technical

Northrim BanCorp, Inc.

Southern First Bancshares, Inc.

Norwood Financial Corp.

Southern States Bancshares, Inc.

PCB Bancorp

USCB Financial Holdings, Inc.

Bank7 Corp.

Middlefield Banc Corp.

FVCBankcorp, Inc.

Plumas Bancorp

Oak Valley Bancorp

Why is Plumas Bancorp ?

High Profitability with a Net Interest Margin of 12.95%

Strong Long Term Fundamental Strength with a 15.70% CAGR growth in Net Profits

Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 15.70%

Flat results in Jun 25

OPERATING CASH FLOW(Y) Lowest at USD 26.51 MM
GROSS NPA (%)(Q) Highest at 1.34%
NII(Q) Lowest at USD 18.32 MM

With ROA of 1.14%, it has a fair valuation with a 1.35 Price to Book Value

Over the past year, while the stock has generated a return of -4.37%, its profits have risen by 5.4% ; the PEG ratio of the company is 1.7

Underperformed the market in the last 1 year

Even though the market (S&P 500) has generated returns of 15.98% in the last 1 year, the stock has hugely underperformed and has generate negative returns of -4.37% returns

Real-Time Research Report

Verdict Report

How much should you hold?

Overall Portfolio exposure to Plumas Bancorp should be less than 10%
Overall Portfolio exposure to Regional Banks should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is Plumas Bancorp for you?

Low Risk, High Return

Absolute

Risk Adjusted

Volatility

Plumas Bancorp

14.12%

1.03

29.71%

S&P 500

13.99%

0.81

19.85%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

16.90%

EBIT Growth (5y)

13.19%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

22.52%

Pledged Shares

Institutional Holding

47.31%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.35

EV to EBIT

4.79

EV to EBITDA

4.66

EV to Capital Employed

1.52

EV to Sales

2.25

PEG Ratio

1.74

Dividend Yield

ROCE (Latest)

31.72%

ROE (Latest)

15.97%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bullish

RSI

No Signal

Bollinger Bands

Bullish

Moving Averages

Bullish (Daily)

KST

Bullish

Mildly Bearish

Dow Theory

Bullish

OBV

Bullish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

4What is working for the Company

DIVIDEND PAYOUT RATIO(Y)

Highest at 28.5%

DIVIDEND PER SHARE(HY)

Highest at USD 0

-11What is not working for the Company

OPERATING CASH FLOW(Y)

Lowest at USD 26.51 MM

GROSS NPA (%)

NII(Q)

Lowest at USD 18.32 MM

OPERATING PROFIT(Q)

Lowest at USD 9.15 MM

PRE-TAX PROFIT(Q)

Lowest at USD 9.15 MM

NET PROFIT(Q)

Lowest at USD 6.67 MM

EPS(Q)

Lowest at USD 1.05

Here's what is working for Plumas Bancorp

Dividend per share

Highest at USD 0 and Grown

In each year in the last five years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (USD)

Dividend Payout Ratio

Highest at 28.5% and Grown

In each year in the last five years

MOJO Watch

Company is distributing higher proportion of profits generated as dividend

DPR (%)

CASA

Highest at 17.9%

in the last five periods

MOJO Watch

The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.

CAR (%)

Here's what is not working for Plumas Bancorp

Operating Cash Flow

Lowest at USD 26.51 MM and Fallen

In each year in the last three years

MOJO Watch

The company's cash revenues from business operations are falling

Operating Cash Flows (USD MM)

Non Performing Loans (%)

Highest at 1.34%

in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are increasing

Non Performing Loans (%)

NII

Lowest at USD 18.32 MM

in the last five periods

MOJO Watch

The bank's income from core business is falling

NII (USD MM)

Operating Profit

Lowest at USD 9.15 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is negative

Operating Profit (USD MM)

Pre-Tax Profit

Lowest at USD 9.15 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is negative

Pre-Tax Profit (USD MM)

Net Profit

Lowest at USD 6.67 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is negative

Net Profit (USD MM)

EPS

Lowest at USD 1.05

in the last five periods

MOJO Watch

Declining profitability; company has created lower earnings for shareholders

EPS (USD)