Plumas Bancorp cash flow to debt ratio of 14.60% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.

Plumas Bancorp's free cash flow has decreased 32.03% from $29.83M last year to $20.28M, signaling decreasing performance

Plumas Bancorp's debt to equity ratio is 0.38, which means that the company's assets are healthy financed, signaling financial stability.

Plumas Bancorp's debt has increased relative to shareholder equity from 0.35 last year to 0.38 today, signaling weakened financials

Plumas Bancorp has a net cash position, so leverage is healthy.

Plumas Bancorp earns at least as much interest as it pays. Interest obligations are fully covered.

Plumas Bancorp's profit margin has decreased (30.21%) in the last year from 39.28% to 27.41%, signaling decreasing performance

Plumas Bancorp's short-term liabilities of $1.91B exceed its short-term assets of $469.33M, signaling financial risk

Plumas Bancorp's return on assets of 1.57% is lower than the 5.00% threshold, indicating inefficient asset utilization

Plumas Bancorp's return on equity of 13.72%, is lower than 15.00%, indicating bad performance

Plumas Bancorp's operating cash flow is lower than its net income, indicating that earnings may not be fully backed by cash generation

Plumas Bancorp had positive net income in 5 out of 5 years, indicating stable and consistent earnings

Plumas Bancorp has positive free cash flow, indicating the company generates cash after capital expenditures

Plumas Bancorp has a free cash flow yield of 4.75%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

Plumas Bancorp's yearly earnings has increased 3.49% since last year from $28.62M to $29.62M, signaling increasing performance

Plumas Bancorp's yearly revenue has increased 48.56% since last year from $72.86M to $108.25M, signaling increasing performance

ROIC 1.68% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

Plumas Bancorp's 3-year revenue CAGR of 15.35% is positive, indicating growing revenue over the past 3 years

Plumas Bancorp had revenue growth in 4 out of 5 years, indicating consistent revenue performance

Plumas Bancorp had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

Plumas Bancorp is overvalued relative to its fair value price of 20.88 based on Discounted Cash Flow model

Plumas Bancorp has an earnings yield of 8.38%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

Plumas Bancorp is overvalued relative to its fair value price of 30.08 based on EBITDA multiple model

Plumas Bancorp has an EV/EBITDA ratio of 2.49x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

Plumas Bancorp is undervalued relative to its fair value price of 151.93 based on Earnings Fair Value model

Plumas Bancorp has a PEG-ratio over 1 which is considered overvalued

Plumas Bancorp has a price-to-book ratio of 1.57x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Plumas Bancorp has a price-to-sales ratio of 3.27x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue