Plumas Bancorp (PLBC) Key Metrics
PLBC valuation today
Trailing 12 months · as of October 18, 2026- Market cap
- $432.2M
- Enterprise value
- $499.3M
- P/E (TTM)
- 12.1 10-yr median 8.9
- Forward P/E
- 16.8
- PEG ratio
- 1.49
- Price / sales
- 4.0 10-yr median 2.9
- Price / book
- 1.6 10-yr median 1.6
- EV / EBITDA
- —
- Dividend yield
- 2.13% $1.32 a year
- Beta
- 0.59
PLBC key metrics, 2016–2025
Fiscal year ended December 31, 2025 · U.S. dollarsPLBC valuation Price multiples at each fiscal year-end price.
PLBC returns How much profit the business earns on the capital it uses.
PLBC per-share figures Results divided by the shares outstanding at year-end.
PLBC financial health Debt, liquidity and how easily interest is covered.
PLBC efficiency & capital use Working capital cycle and where the cash goes.
PLBC valuation history
PLBC returns on capital
Net income (ROE, ROA) or after-tax operating income (ROIC) divided by the average of the opening and closing balance.
PLBC debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease liabilities.
PLBC cash returned to shareholders
PLBC price vs earnings per share
PLBC key metrics
2016–2025| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Valuation | ||||||||||
| Market capitalization | $291.2M | $282.0M | $245.4M | $219.0M | $188.6M | $122.9M | $137.9M | $118.5M | $120.3M | $96.9M |
| Enterprise value | −$30.2M | −$175.9M | −$213.4M | −$379.6M | −$470.3M | −$217.4M | −$42.0M | −$76.3M | −$84.3M | −$47.1M |
| P/E ratio | 9.8 | 9.9 | 8.2 | 8.3 | 9.0 | 8.5 | 8.9 | 8.5 | 14.7 | 13.0 |
| Price / sales | 2.7 | 3.9 | 2.9 | 3.1 | 3.3 | 2.6 | 2.9 | 2.8 | 3.2 | 3.0 |
| Price / book | 1.1 | 1.6 | 1.7 | 1.8 | 1.4 | 1.2 | 1.6 | 1.8 | 2.2 | 2.0 |
| Price / free cash flow | 14.4 | 9.5 | 6.8 | 4.1 | — | 5.3 | 9.8 | 10.1 | 11.0 | 11.7 |
| Price / operating cash flow | 13.5 | 9.2 | 6.4 | 3.9 | — | 5.0 | 8.9 | 7.6 | 10.5 | 10.9 |
| EV / sales | -0.3 | -2.4 | -2.5 | -5.4 | -8.3 | -4.5 | -0.9 | -1.8 | -2.3 | -1.4 |
| Earnings yield | 10.2% | 10.1% | 12.1% | 12.1% | 11.1% | 11.8% | 11.2% | 11.8% | 6.8% | 7.7% |
| Free cash flow yield | 7.0% | 10.6% | 14.7% | 24.6% | −5.0% | 18.7% | 10.2% | 9.9% | 9.1% | 8.6% |
| Dividend yield | 2.7% | 2.3% | 2.4% | 1.7% | 1.6% | 1.5% | 1.7% | 1.6% | 1.2% | 0.5% |
| Shareholder yield (dividends + buybacks) | 2.7% | 2.3% | 6.6% | 1.7% | 1.6% | 1.5% | 1.7% | 1.6% | 1.2% | 1.4% |
| Share price at fiscal year-end | $44.69 | $47.26 | $41.35 | $37.05 | $33.79 | $23.50 | $26.38 | $22.71 | $23.20 | $19.00 |
| Per share | ||||||||||
| Revenue per share | $16.61 | $12.21 | $14.31 | $11.93 | $10.12 | $9.15 | $9.03 | $8.25 | $7.17 | $6.40 |
| Earnings per share | $4.54 | $4.80 | $5.02 | $4.47 | $3.76 | $2.77 | $2.97 | $2.68 | $1.58 | $1.47 |
| Operating cash flow per share | $3.31 | $5.11 | $6.46 | $9.62 | −$1.51 | $4.71 | $2.96 | $3.00 | $2.21 | $1.75 |
| Free cash flow per share | $3.11 | $5.00 | $6.08 | $9.11 | −$1.67 | $4.40 | $2.69 | $2.26 | $2.11 | $1.63 |
| Cash per share | $72.02 | $87.09 | $96.87 | $106.25 | $122.96 | $69.70 | $39.45 | $41.81 | $43.39 | $32.22 |
| Book value per share | $40.06 | $29.81 | $24.83 | $20.13 | $24.02 | $19.15 | $16.16 | $12.82 | $10.74 | $9.41 |
| Tangible book value per share | $34.64 | $28.75 | $23.90 | $19.20 | $23.03 | $15.65 | $13.41 | $9.88 | $8.31 | $7.04 |
| Dividends per share | $1.18 | $1.07 | $0.99 | $0.63 | $0.55 | $0.36 | $0.45 | $0.35 | $0.27 | $0.10 |
| Capex per share | $0.20 | $0.11 | $0.38 | $0.51 | $0.17 | $0.31 | $0.27 | $0.74 | $0.10 | $0.12 |
| Debt per share | $22.69 | $10.36 | $19.56 | $4.99 | $4.94 | $4.62 | $5.04 | $4.48 | $3.93 | $3.97 |
| Shares outstanding | 6.5M | 6.0M | 5.9M | 5.9M | 5.6M | 5.2M | 5.2M | 5.2M | 5.2M | 5.1M |
| Change in shares outstanding | +9.2% | +0.6% | +0.4% | +5.9% | +6.7% | +0.0% | +0.2% | +0.7% | +1.7% | +0.8% |
| Returns & profitability | ||||||||||
| Return on equity (ROE) | 13.5% | 17.6% | 22.4% | 20.9% | 17.9% | 15.7% | 20.5% | 22.8% | 15.8% | 16.5% |
| Return on assets (ROA) | 1.5% | 1.8% | 1.8% | 1.6% | 1.5% | 1.5% | 1.8% | 1.8% | 1.2% | 1.2% |
| Return on tangible assets | 1.3% | 1.8% | 1.9% | 1.6% | 1.3% | 1.3% | 1.8% | 1.7% | 1.1% | 1.2% |
| Free cash flow margin | 18.7% | 40.9% | 42.5% | 76.4% | −16.5% | 48.1% | 29.8% | 27.4% | 29.5% | 25.4% |
| Income quality (OCF / net income) | 0.73 | 1.07 | 1.29 | 2.15 | −0.40 | 1.70 | 1.00 | 1.12 | 1.40 | 1.19 |
| Financial health | ||||||||||
| Total debt | $147.9M | $61.8M | $116.1M | $29.5M | $27.6M | $24.2M | $26.3M | $23.4M | $20.4M | $20.2M |
| Cash & short-term investments | $469.3M | $519.8M | $574.8M | $628.1M | $686.5M | $364.5M | $206.3M | $218.2M | $225.0M | $164.2M |
| Net debt | −$321.4M | −$457.9M | −$458.8M | −$598.7M | −$658.9M | −$340.3M | −$179.9M | −$194.8M | −$204.6M | −$144.0M |
| Debt / equity | 0.57 | 0.35 | 0.79 | 0.25 | 0.21 | 0.24 | 0.31 | 0.35 | 0.37 | 0.42 |
| Debt / assets | 0.07 | 0.04 | 0.07 | 0.02 | 0.02 | 0.02 | 0.03 | 0.03 | 0.03 | 0.03 |
| Net debt / EBITDA | −7.58 | −11.31 | −10.96 | −15.94 | −21.85 | −15.92 | −7.93 | −9.66 | −12.38 | −10.82 |
| Current ratio | 0.25 | 0.37 | 0.42 | 44.14 | 23.31 | 14.11 | 9.57 | 31.01 | 14.18 | 23.85 |
| Quick ratio | 0.25 | 0.37 | 0.42 | 56.61 | 35.92 | 21.13 | 11.79 | 37.81 | 19.64 | 32.73 |
| Interest coverage | 2.9 | 3.7 | 8.4 | 28.6 | 25.1 | 16.2 | 12.2 | 15.5 | 15.2 | 12.0 |
| Working capital | −$1.44B | −$873.4M | −$781.9M | $659.9M | $684.5M | $355.7M | $197.6M | $226.1M | $220.9M | $169.0M |
| Invested capital | −$60.4M | −$280.0M | −$311.5M | −$479.7M | −$524.8M | −$240.2M | −$95.4M | −$127.9M | −$148.9M | −$96.0M |
| Tangible asset value | $225.8M | $171.6M | $141.8M | $113.5M | $128.6M | $81.8M | $70.1M | $51.5M | $43.1M | $35.9M |
| Net current asset value | −$1.51B | −$925.7M | −$888.3M | −$826.9M | −$764.8M | −$628.6M | −$560.1M | −$523.9M | −$452.1M | −$433.6M |
| Graham number | $64.00 | $56.71 | $52.94 | $45.01 | $45.09 | $34.53 | $32.85 | $27.81 | $19.54 | $17.62 |
| Graham net-net per share | −$59.27 | −$155.11 | −$149.69 | −$158.00 | −$172.92 | −$139.30 | −$112.69 | −$106.02 | −$96.62 | −$92.09 |
| Capital allocation | ||||||||||
| Dividends paid | $7.7M | $6.4M | $5.9M | $3.7M | $3.1M | $1.9M | $2.4M | $1.8M | $1.4M | $489,000 |
| Share buybacks (net) | $0 | $0 | $10.3M | $0 | $0 | $0 | $0 | $0 | $0 | $862,000 |
| Dividend payout ratio | 26.1% | 22.2% | 19.7% | 14.1% | 14.7% | 12.9% | 15.3% | 13.2% | 17.1% | 6.5% |
| Dividends + buybacks / free cash flow | 38.1% | 21.3% | 44.8% | 6.9% | — | 8.1% | 16.9% | 15.6% | 12.8% | 16.3% |
| Capex / revenue | 1.2% | 0.9% | 2.7% | 4.3% | 1.6% | 3.4% | 3.0% | 9.0% | 1.4% | 1.8% |
| Capex / operating cash flow | 6.1% | 2.2% | 5.9% | 5.3% | — | 6.5% | 9.0% | 24.7% | 4.6% | 6.7% |
| Capex / depreciation | 0.46 | 0.45 | 1.37 | 1.59 | 0.56 | 1.13 | 1.00 | 3.71 | 0.52 | 0.56 |
| Stock-based compensation / revenue | 0.3% | 0.7% | 0.4% | 0.4% | 0.4% | 0.5% | 0.5% | 0.5% | 0.4% | 0.4% |
| SG&A / revenue | 32.5% | 31.9% | 26.8% | 27.3% | 25.1% | 31.4% | 32.7% | 33.9% | 33.5% | 39.0% |
| Efficiency | ||||||||||
| Days sales outstanding | 5,043.8 | — | — | 195.8 | 151.7 | 124.7 | 115.1 | 118.8 | 121.5 | 131.4 |
| Days of inventory on hand | — | — | — | -41,363.6 | -46,620.6 | -10,020.8 | -5,746.9 | -11,644.1 | -17,737.1 | -6,397.7 |
| Days payables outstanding | 33,590.1 | — | — | 4,625.4 | 4,667.1 | 2,080.3 | 2,453.0 | 3,048.5 | 2,726.3 | 1,406.9 |
| Cash conversion cycle (days) | -28,546.3 | — | — | -45,793.2 | -51,136.0 | -11,976.4 | -8,084.8 | -14,573.8 | -20,342.0 | -7,673.3 |
| Receivables turnover | 0.07 | — | — | 1.86 | 2.41 | 2.93 | 3.17 | 3.07 | 3.00 | 2.78 |
| Payables turnover | 0.01 | — | — | 0.08 | 0.08 | 0.18 | 0.15 | 0.12 | 0.13 | 0.26 |
| Asset turnover | 0.06 | 0.05 | 0.05 | 0.04 | 0.04 | 0.05 | 0.06 | 0.05 | 0.05 | 0.05 |
| Average receivables | $1.50B | — | — | $37.8M | $23.5M | $16.3M | $14.9M | $14.0M | $12.4M | $11.7M |
| Average payables | $1.91B | — | — | $32.3M | $28.9M | $25.1M | $21.8M | $18.7M | $12.1M | $7.0M |
| Average inventory | — | — | — | −$288.9M | −$288.8M | −$120.9M | −$51.1M | −$71.3M | −$78.6M | −$32.0M |
| Intangibles / total assets | 1.6% | 0.4% | 0.3% | 0.3% | 0.3% | 1.6% | 1.7% | 1.9% | 1.7% | 1.8% |
Computed from PLBC's annual financial statements (latest annual report filed March 19, 2026) and the closing share price on each fiscal year-end, adjusted for stock splits. Figures in U.S. dollars; data from EODHD. Averages use the opening and closing balance of each year.
PLBC valuation and financial ratios
At the end of fiscal 2025 (December 31, 2025), Plumas Bancorp traded at 9.8 times earnings, against a 10-year median of 8.9. Based on the latest twelve months, the trailing P/E is 12.1 and the forward P/E is 16.8. Plumas Bancorp earned a return on equity of 13.5% in fiscal 2025. It ended the year with $147.9 million of debt and $469.3 million in cash and short-term investments, a net cash position of $321.4 million. It returned $7.7 million to shareholders: $7.7 million in dividends and $0 in share buybacks, 38% of free cash flow. The share count rose 27.8% from 5.1M to 6.5M over 9 years.
See the PLBC income statement, the PLBC chart for price history, or the PLBC stock overview for the latest quote and news.
PLBC key metrics FAQ
What is Plumas Bancorp's P/E ratio?
Plumas Bancorp's trailing P/E ratio is 12.1 based on the last twelve months of earnings (as of October 18, 2026), and its forward P/E is 16.8. At the end of fiscal 2025 it was 9.8, compared with a 10-year median of 8.9.
What is Plumas Bancorp's return on equity?
Plumas Bancorp's return on equity (ROE) was 13.5% in fiscal 2025: net income of $29.6 million on average shareholders' equity of $219.5 million.
How much debt does Plumas Bancorp have?
Plumas Bancorp had total debt of $147.9 million at the end of fiscal 2025, a debt-to-equity ratio of 0.57 and more cash than debt.
What is Plumas Bancorp's dividend yield?
Plumas Bancorp's forward dividend yield is 2.13%. Plumas Bancorp paid $7.7 million in dividends in fiscal 2025 ($1.18 per share), a payout ratio of 26.1%.
What is Plumas Bancorp's free cash flow yield?
Plumas Bancorp generated $20.3 million of free cash flow in fiscal 2025, a free cash flow yield of 7.0% on its market value at year-end ($291.2 million).
What is Plumas Bancorp's current ratio?
Plumas Bancorp's current ratio was 0.25 at the end of fiscal 2025: current assets were 0.25 times current liabilities.