Plumas Bancorp
Market Cap
US$111.4m
Last Updated
2019/10/18 23:40 UTC
Data Sources
Company Financials
Executive Summary
Plumas Bancorp operates as the holding company for the Plumas Bank that provides various banking products and services for small and middle market businesses, and individuals in Northeastern California and Northwestern Nevada.
Snowflake
Fundamentals
Flawless balance sheet with proven track record.
Similar Companies
Share Price & News
How has Plumas Bancorp's share price performed over time and what events caused price changes?
Latest Share Price and Events
Market Performance
7 Day Return
6.4%
PLBC
2.7%
US Banks
0.4%
US Market
1 Year Return
-22.1%
PLBC
2.7%
US Banks
6.9%
US Market
Return vs Industry: PLBC underperformed the US Banks industry which returned 2.7% over the past year.
Return vs Market: PLBC underperformed the US Market which returned 6.9% over the past year.
Shareholder returns
| PLBC | Industry | Market | |
|---|---|---|---|
| 7 Day | 6.4% | 2.7% | 0.4% |
| 30 Day | 5.6% | 0.2% | -1.2% |
| 90 Day | -10.4% | 2.9% | -0.4% |
| 1 Year | -20.9%-22.1% | 5.7%2.7% | 9.3%6.9% |
| 3 Year | 93.8%85.4% | 52.1%41.6% | 45.8%36.4% |
| 5 Year | 182.3%170.0% | 69.2%50.7% | 62.9%45.1% |
Price Volatility Vs. Market
How volatile is Plumas Bancorp's share price compared to the market and industry in the last 5 years?
Simply Wall St News
4 days ago | Simply Wall St
Read This Before Buying Plumas Bancorp (NASDAQ:PLBC) Shares1 month ago | Simply Wall St
Do You Like Plumas Bancorp (NASDAQ:PLBC) At This P/E Ratio?1 month ago | Simply Wall St
If You Like EPS Growth Then Check Out Plumas Bancorp (NASDAQ:PLBC) Before It's Too LateValuation
Is Plumas Bancorp undervalued compared to its fair value and its price relative to the market?
33.3%
Undervalued compared to fair value
Share Price vs. Fair Value
Undervalued: PLBC ($21.6) is trading below our estimate of fair value ($32.35)
Significantly Undervalued: PLBC is trading below fair value, but not by a significant amount.
Price To Earnings Ratio
PE vs Industry: PLBC is good value based on its PE Ratio (7.3x) compared to the Banks industry average (12.6x).
PE vs Market: PLBC is good value based on its PE Ratio (7.3x) compared to the US market (17.6x).
Price to Earnings Growth Ratio
Low PEG Ratio: Insufficient data to calculate PLBC's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: PLBC is overvalued based on its PB Ratio (1.4x) compared to the US Banks industry average (1.2x).
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Future Growth
How is Plumas Bancorp forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
-4.0%
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: PLBC's earnings are forecast to decline over the next 3 years (-4% per year).
Earnings vs Market: PLBC's earnings are forecast to decline over the next 3 years (-4% per year).
High Growth Earnings: PLBC's earnings are forecast to decline over the next 3 years.
Revenue vs Market: Insufficient data to determine if PLBC's revenue is forecast to grow faster than the US market.
High Growth Revenue: Insufficient data to determine if PLBC's revenue is forecast to grow faster than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
High Future ROE: Insufficient data to determine if PLBC's Return on Equity is forecast to be high in 3 years time
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Past Performance
How has Plumas Bancorp performed over the past 5 years?
25.2%
Historical annual earnings growth
Earnings and Revenue History
Past Earnings Growth Analysis
Earnings Trend: PLBC's earnings have grown significantly by 25.2% per year over the past 5 years.
Accelerating Growth: PLBC's earnings growth over the past year (31.5%) exceeds its 5-year average (25.2% per year).
Earnings vs Industry: PLBC earnings growth over the past year (31.5%) exceeded the Banks industry 29.6%.
Return on Equity
High ROE: PLBC's Return on Equity (18.6%) is considered low.
Return on Assets
ROA vs Industry: PLBC has a higher Return on Assets than the Banks industry average last year.
Return on Capital Employed
ROCE Improving: Insufficient data to calculate PLBC's Return on Capital Employed to determine if it has improved over the past 3 years.
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Financial Health
How is Plumas Bancorp's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Inventory Level: PLBC has a low level of unsold assets or inventory.
Debt Coverage by Assets: PLBC's debt is covered by short term assets (assets are 9.416900x debt).
Financial Institutions Analysis
Asset Level: PLBC's level of assets compared to its equity is moderate.
Allowance for Bad Loans: PLBC has a sufficient allowance for bad loans.
Low Risk Liabilities: PLBC's liabilities are made up of primarily low risk sources of funding.
Loan Level: PLBC has an acceptable proportion of non-loan assets held.
Low Risk Deposits: PLBC's loans are broadly funded by customer deposits.
Level of Bad Loans: PLBC has an appropriate level of bad loans (0.43%)
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Dividend
What is Plumas Bancorp's current dividend yield, its reliability and sustainability?
2.13%
Current Dividend Yield
Dividend Yield vs Market
Current dividend yield vs market & industry
Stability and Growth of Payments
Notable Dividend: PLBC's dividend (2.13%) is higher than the bottom 25% of dividend payers in the US market (1.45%).
High Dividend: PLBC's dividend (2.13%) is low compared to the top 25% of dividend payers in the US market (3.73%).
Stable Dividend: PLBC's dividend payments have been volatile in the past 10 years.
Growing Dividend: PLBC's dividend payments have increased over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: With its low payout ratio (13.9%), PLBC's dividend payments are thoroughly covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.
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Management
What is the CEO of Plumas Bancorp's salary, the management and board of directors tenure and is there insider trading?
9.6yrs
Average management tenure
CEO
Andy Ryback (54yo)
9.6yrs
Tenure
US$481,278
Compensation
Andrew J. Ryback is the President and Chief Executive Officer of Plumas Bank and its holding company, Plumas Bancorp. He became a member of the Company’s Board of Directors in 2016. He joined Plumas Bank i ...
CEO Compensation Analysis
Compensation vs. Market: Andy's total compensation ($USD481.28K) is about average for companies of similar size in the US market ($USD491.38K).
Compensation vs Earnings: Andy's compensation has been consistent with company performance over the past year.
Management Age and Tenure
9.6yrs
Average Tenure
62yo
Average Age
Experienced Management: PLBC's management team is seasoned and experienced (9.6 years average tenure).
Board Age and Tenure
4.8yrs
Average Tenure
65yo
Average Age
Experienced Board: PLBC's board of directors are considered experienced (4.8 years average tenure).
Insider Trading
Insider Buying: PLBC insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
| Entity | Individual |
| Role | Other Key Executive Executive VP & Chief Credit Officer of Plumas Bank |
| Shares | 1,000 |
| Max Price | US$24.93 |
| Entity | Individual |
| Role | Member of the Board of Directors Director |
| Shares | 1,004 |
| Max Price | US$24.80 |
| Entity | Individual |
| Role | Other Key Executive Executive VP & Chief Banking Officer of Plumas Bank |
| Shares | 6,400 |
| Max Price | US$24.84 |
| Entity | Individual |
| Role | Vice Chairman Vice Chairman of the Board |
| Shares | 815 |
| Max Price | US$23.37 |
| Entity | Individual |
| Role | Member of the Board of Directors Director |
| Shares | 1,000 |
| Max Price | US$24.56 |
| Entity | Individual |
| Role | Member of the Board of Directors Director |
| Shares | 1,059 |
| Max Price | US$23.50 |
| Entity | Individual |
| Role | Chief Executive Officer President |
| Shares | 100 |
| Max Price | US$26.00 |
| Entity | Individual |
| Role | Chief Executive Officer President |
| Shares | 500 |
| Max Price | US$26.26 |
| Entity | Individual |
| Role | Member of the Board of Directors Director |
| Shares | 953 |
| Max Price | US$26.28 |
Ownership Breakdown
Management Team
Richard Belstock (62yo)
Executive VP & CFO
- Tenure: 9.6yrs
- Compensation: US$261.58k
Terrance Reeson (74yo)
Director
- Tenure: 0yrs
- Compensation: US$26.70k
Andy Ryback (54yo)
President
- Tenure: 9.6yrs
- Compensation: US$481.28k
Jeff Moore (62yo)
Executive VP & Chief Credit Officer of Plumas Bank
- Tenure: 1.8yrs
Elizabeth Kuipers
VP, Marketing Manager & Investor Relations Officer
- Tenure: 0yrs
Aaron Boigon (43yo)
Executive VP & Chief Information Officer of Plumas Bank
- Tenure: 0yrs
B. North (68yo)
Executive VP & Chief Banking Officer of Plumas Bank
- Tenure: 11.3yrs
- Compensation: US$253.82k
Board Members
Steve Coldani (65yo)
Director
- Tenure: 5.9yrs
- Compensation: US$33.30k
Bill Elliott (78yo)
Director
- Tenure: 32.8yrs
- Compensation: US$26.70k
Gerald Fletcher (76yo)
Director
- Tenure: 31.8yrs
- Compensation: US$26.70k
Terrance Reeson (74yo)
Director
- Tenure: 0yrs
- Compensation: US$26.70k
Daniel West (65yo)
Chairman of the Board
- Tenure: 13.8yrs
- Compensation: US$53.55k
Andy Ryback (54yo)
President
- Tenure: 9.6yrs
- Compensation: US$481.28k
Michonne Ascuaga (57yo)
Director
- Tenure: 0.7yrs
Bob McClintock (61yo)
Vice Chairman of the Board
- Tenure: 0yrs
- Compensation: US$34.68k
Rich Kenny (70yo)
Director
- Tenure: 2.3yrs
- Compensation: US$11.13k
Heidi Gansert (56yo)
Director
- Tenure: 0.2yrs
Company Information
Plumas Bancorp's company bio, employee growth, exchange listings and data sources
Key Information
- Name: Plumas Bancorp
- Ticker: PLBC
- Exchange: NasdaqCM
- Founded: 1980
- Industry: Regional Banks
- Sector: Banks
- Market Cap: US$111.435m
- Shares outstanding: 5.16m
- Website: https://www.plumasbank.com
Number of Employees
Location
- Plumas Bancorp
- 35 South Lindan Avenue
- Quincy
- California
- 95971
- United States
Listings
| Ticker | Exchange | Primary Security | Security Type | Country | Currency | Listed on |
|---|---|---|---|---|---|---|
| PLBC | NasdaqCM (Nasdaq Capital Market) | Yes | Common Stock | US | USD | Jun 1995 |
Biography
Plumas Bancorp operates as the holding company for the Plumas Bank that provides various banking products and services for small and middle market businesses, and individuals in Northeastern California and ...
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2019/10/18 23:40 |
| End of Day Share Price | 2019/10/18 00:00 |
| Earnings | 2019/09/30 |
| Annual Earnings | 2018/12/31 |
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.