Plumas Bancorp

Plumas Bancorp

PLBCยทNASDAQ

$53.50

-2.4%
Financial ServicesBanks - Regional

Plumas Bancorp operates as the bank 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. The company accepts various deposits, such as checking, money market checking, business sweep, public funds sweep, savings, time deposit, and retirement accounts. Its loan portfolio includes term real estate, commercial, and industrial term loans; government-guaranteed and agricultural loans, as well as credit lines; consumer, automobile, and home equity loans; land development and construction loans; and small business administration loans. The company also provides remote deposit, telephone and mobile banking, internet banking with bill-pay options, cashier's check, bank-by-mail, automated teller machine, night depository, safe deposit box, direct deposit, electronic funds transfer, and other customary banking services. As of February 28, 2022, it operated 14 full-service branches and 3 lending offices. Plumas Bancorp was incorporated in 1980 and is headquartered in Reno, Nevada.

At a Glance

Live Snapshot
Market Cap$372.80M
EPS4.6000
P/E Ratio9.72
Earnings Date07/15/2026
Plumas Bancorp

Plumas Bancorp Fair Value Envelope

PLBC ยท NASDAQ

Our analysis suggests that PLBC has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $53.5, this represents a potential HIDDEN relative to our calculated worth for Plumas Bancorp.

Intrinsic Value
Current Price: $53.5

Owner Earnings Valuation Tool

Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation

Historical Financial Data

Base year metrics used for projections

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Projection Settings

Forecast period and terminal assumptions

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DCF Valuation Summary

Calculation flow from present value to intrinsic value per share

Present Value$39.4M
+ Cash & Equivalents$80.6M
Firm Value$120.0M
- Debt$147.9M
Equity Value-$27.9M
/ Shares Outstanding6,947,120B
DCF Value-$4
OVERVALUED BY 108%

Owner Earnings Projections

Operating Cash Flow - Maintenance CapEx = Owner Earnings

Metric
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
Year 10
Operating Cash Flow
$14.7M
$10.0M
$6.8M
$4.6M
$3.1M
$2.1M
$1.4M
$983.3K
$668.4K
$454.3K
Maintenance CapEx
-$178.2K
-$121.1K
-$82.3K
-$56.0K
-$38.0K
-$25.9K
-$17.6K
-$11.9K
-$8.1K
-$5.5K
Owner Earnings
$14.5M
$9.9M
$6.7M
$4.6M
$3.1M
$2.1M
$1.4M
$971.4K
$660.3K
$448.8K
Discount Factor
0.926
0.857
0.794
0.735
0.681
0.630
0.583
0.540
0.500
0.463
Present Value
$13.4M
$8.4M
$5.3M
$3.3M
$2.1M
$1.3M
$833.9K
$524.8K
$330.3K
$207.9K
Terminal Value represents 9.0% of Enterprise Value