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

Comparison

Company

Score

Quality

Valuation

Financial

Technical

Norwood Financial Corp.

Southern States Bancshares, Inc.

Southern First Bancshares, Inc.

Bank7 Corp.

USCB Financial Holdings, Inc.

Plumas Bancorp

FVCBankcorp, Inc.

PCB Bancorp

Middlefield Banc Corp.

Northrim BanCorp, Inc.

Oak Valley Bancorp

Why is Plumas Bancorp ?

High Profitability with a Net Interest Margin of 16.12%

Strong Long Term Fundamental Strength with a 16.49% 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 16.49%

Positive results in Mar 26

NET SALES(HY) At USD 60.63 MM has Grown at 43.89%
DIVIDEND PER SHARE(HY) Highest at USD 0
CREDIT DEPOSIT RATIO(HY) Highest at 84.84%

With ROA of 0.81%, it has a fair valuation with a 1.29 Price to Book Value

Over the past year, while the stock has generated a return of 31.25%, its profits have risen by 8.5%

High Institutional Holdings at 46.34%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Their stake has increased by 1.69% over the previous quarter.

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?

Medium Risk, High Return

Absolute

Risk Adjusted

Volatility

Plumas Bancorp

31.25%

2.30

25.79%

S&P 500

25.41%

1.92

13.25%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

20.89%

EBIT Growth (5y)

7.23%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

26.40%

Pledged Shares

Institutional Holding

46.34%

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

1.29

EV to EBIT

11.03

EV to EBITDA

10.16

EV to Capital Employed

1.26

EV to Sales

3.58

PEG Ratio

Dividend Yield

ROCE (Latest)

11.39%

ROE (Latest)

11.90%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Bullish

RSI

No Signal

Bollinger Bands

Bullish

Moving Averages

Bullish (Daily)

KST

Mildly Bearish

Dow Theory

Mildly Bullish

Mildly Bearish

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

9What is working for the Company

NET SALES(HY)

At USD 60.63 MM has Grown at 43.89%

DIVIDEND PER SHARE(HY)

Highest at USD 0

CREDIT DEPOSIT RATIO(HY)

Highest at 84.84%

-7What is not working for the Company

OPERATING CASH FLOW(Y)

Lowest at USD 24.1 MM

INTEREST(9M)

At USD 13.6 MM has Grown at 84.84%

CASH AND EQV(HY)

Lowest at USD 143.5 MM

Here's what is working for Plumas Bancorp

Net Sales

At USD 60.63 MM has Grown at 43.89%

Year on Year (YoY)

MOJO Watch

Near term sales trend is positive

Net Sales (USD MM)

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)

Credit Deposit Ratio

Highest at 84.84%

in the last four Semi-Annual periods

MOJO 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

Interest

At USD 13.6 MM has Grown at 84.84%

over previous Semi-Annual period

MOJO Watch

Rising interest cost signifies increased borrowings

Interest Paid (USD MM)

Operating Cash Flow

Lowest at USD 24.1 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)

Cash and Eqv

Lowest at USD 143.5 MM

in the last six Semi-Annual periods

MOJO Watch

Short Term liquidity is deteriorating

Cash and Cash Equivalents