ScoreWhy is Plumas Bancorp ?
1
High Profitability with a Net Interest Margin of 16.12%
2
Strong Long Term Fundamental Strength with a 16.47% CAGR growth in Net Profits
3
Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 16.47%
4
With a growth in Interest of NAN%, the company declared Very Positive results in Dec 25
- DIVIDEND PER SHARE(HY) Highest at USD 0
- NII(Q) Highest at USD 26.07 MM
- CREDIT DEPOSIT RATIO(HY) Highest at 83.76%
5
With ROA of 0.86%, it has a fair valuation with a 1.31 Price to Book Value
- Over the past year, while the stock has generated a return of 12.46%, its profits have risen by 8.4%
6
High Institutional Holdings at 44.65%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Real-Time Research ReportHow 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
14.28%
1.27
29.26%
S&P 500
16.12%
0.77
19.29%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
20.89%
EBIT Growth (5y)
7.47%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
26.43%
Pledged Shares
0
Institutional Holding
44.65%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
11
Industry P/E
Price to Book Value
1.31
EV to EBIT
11.28
EV to EBITDA
10.53
EV to Capital Employed
1.27
EV to Sales
3.70
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
11.22%
ROE (Latest)
11.88%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Bullish
Mildly Bearish
Dow Theory
No Trend
Bullish
OBV
No Trend
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend16What is working for the Company
DIVIDEND PER SHARE(HY)
Highest at USD 0
NII(Q)
Highest at USD 26.07 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 83.76%
NET SALES(Q)
Highest at USD 30.82 MM
OPERATING PROFIT(Q)
Highest at USD 13.87 MM
PRE-TAX PROFIT(Q)
Highest at USD 13.97 MM
NET PROFIT(Q)
Highest at USD 10.97 MM
EPS(Q)
Highest at USD 1.56
-6What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD 16.04 MM
INTEREST(9M)
At USD 11.83 MM has Grown at 46.65%
CASH AND EQV(HY)
Lowest at USD 167.9 MM
Here's what is working for Plumas Bancorp
NII
Highest at USD 26.07 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (USD MM)
Dividend per share
Highest at USD 0 and Grown
In each year in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Net Sales
Highest at USD 30.82 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Net Sales
At USD 30.82 MM has Grown at 32.71%
over average net sales of the previous four periods of USD 23.22 MMMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Operating Profit
Highest at USD 13.87 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Pre-Tax Profit
Highest at USD 13.97 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Pre-Tax Profit
At USD 13.97 MM has Grown at 46.24%
over average net sales of the previous four periods of USD 9.55 MMMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 10.97 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
Net Profit
At USD 10.97 MM has Grown at 57.8%
over average net sales of the previous four periods of USD 6.95 MMMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 1.56
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Credit Deposit Ratio
Highest at 83.76%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Here's what is not working for Plumas Bancorp
Operating Cash Flow
Lowest at USD 16.04 MM and Fallen
In each year in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
Interest
At USD 11.83 MM has Grown at 46.65%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (USD MM)
Cash and Eqv
Lowest at USD 167.9 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
Non Operating Income
Highest at USD 0.4 MM
in the last five periodsMOJO Watch
Increased income from non business activities may not be sustainable
Non Operating income
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