Plumas Bancorp Financial Ratios — OKO Stock

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	0.95	4.38	10.18	14.12	14.73	16.52	15.79	22.82	20.49	15.68	17.94	20.9	22.36	17.6	13.49
Return on Assets (%)	0.2	0.42	0.69	0.9	1.02	1.19	1.17	1.78	1.84	1.46	1.54	1.63	1.84	1.77	1.53
Return on Capital (%)	1.92	3.82	6.64	8.9	10.3	12.63	12.93	19.53	18.03	13.77	16.17	19.32	16.11	12.5	11.2
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	5.35	12.84	22.82	29.32	32.74	38.68	42.89	45.76	47.03	42.79	51.45	51.48	50.21	62.67	42.84
Profit Margin (%)	4.07	8.29	13.99	17.75	19.98	23.63	22.65	33.48	34.12	31.04	37.95	38.17	37.18	45.99	32.05
Net Income to Common Margin (%)	1.11	5.38	12.57	17.75	19.98	23.63	22.65	33.48	34.12	31.04	37.95	38.17	37.18	45.99	32.05
Effective Tax Rate (%)	23.87	35.43	38.71	39.44	38.98	38.9	47.18	26.84	27.45	27.45	26.25	25.86	25.95	26.62	25.19
Dvd Payout Ratio (%)	-266.15	-54.03	52.56	- -	- -	6.54	17.07	13.16	15.3	12.89	14.67	14.13	19.69	22.24	26.07
Sustainable Growth Rate (%)	3.47	6.74	4.83	14.12	14.73	15.44	13.1	19.82	17.35	13.66	15.31	17.94	17.96	13.69	9.98

Credit (USD)

Credit Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	10	10	21	19	15	13	10	10	10	15	10	10	93	40	50
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	10	10	21	19	15	13	10	10	10	15	10	10	93	40	50
Total Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	6.12	6.28	5.93	6.77	7.09	7.29	7.47	8.12	9.77	9.01	8.31	7.34	9.15	10.96	11.66
Long-Term Debt/Equity (%)	26.01	24.64	67.35	51.41	35.73	26.43	18.51	15.4	12.2	15.29	7.69	8.66	63.13	22.35	19.17
Long-Term Debt/Capital (%)	20.64	19.77	40.25	33.96	26.33	20.91	15.62	13.35	10.87	13.26	7.14	7.97	38.7	18.27	16.08
Long-Term Debt/Total Assets (%)	2.26	2.16	4	3.48	2.53	1.93	1.38	1.25	1.19	1.38	0.64	0.64	5.77	2.45	2.24
Total Debt/Equity (%)	26.01	24.64	67.35	51.41	35.73	26.43	18.51	15.4	12.2	15.29	7.69	8.66	63.13	22.35	19.17
Total Debt/Capital (%)	20.64	19.77	40.25	33.96	26.33	20.91	15.62	13.35	10.87	13.26	7.14	7.97	38.7	18.27	16.08
Total Debt/Total Assets (%)	2.26	2.16	4	3.48	2.53	1.93	1.38	1.25	1.19	1.38	0.64	0.64	5.77	2.45	2.24
Net Debt to Equity	-133.13	-82.11	-95.81	-73.46	-124.74	-104.1	-138.65	-54.35	-43.35	-169.34	-276.15	-145.47	2.95	-37.67	-22.83
Net Debt/Capital (%)	401.81	-459.12	-2,288.21	-276.76	504.18	2,539.96	358.74	-119.05	-76.52	244.22	156.77	319.92	2.81	-49.41	-25.86
EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	6.12	6.28	5.93	6.77	7.09	7.29	7.47	8.12	9.77	9.01	8.31	7.34	9.15	10.96	11.66
Long-Term Debt/Equity (%)	26.01	24.64	67.35	51.41	35.73	26.43	18.51	15.4	12.2	15.29	7.69	8.66	63.13	22.35	19.17
Long-Term Debt/Capital (%)	20.64	19.77	40.25	33.96	26.33	20.91	15.62	13.35	10.87	13.26	7.14	7.97	38.7	18.27	16.08
Long-Term Debt/Total Assets (%)	2.26	2.16	4	3.48	2.53	1.93	1.38	1.25	1.19	1.38	0.64	0.64	5.77	2.45	2.24
Total Debt/Equity (%)	26.01	24.64	67.35	51.41	35.73	26.43	18.51	15.4	12.2	15.29	7.69	8.66	63.13	22.35	19.17
Total Debt/Capital (%)	20.64	19.77	40.25	33.96	26.33	20.91	15.62	13.35	10.87	13.26	7.14	7.97	38.7	18.27	16.08
Total Debt/Total Assets (%)	2.26	2.16	4	3.48	2.53	1.93	1.38	1.25	1.19	1.38	0.64	0.64	5.77	2.45	2.24
CFO/Total Liabilities	2.43	1.33	2.21	1.06	1.3	1.46	1.66	2.06	1.98	2.44	-0.57	3.79	2.62	2.11	1.09
CFO/CapEx	37.22	6.34	30.42	23.76	2.73	14.83	21.62	4.05	11.08	15.34	-9.04	18.82	16.83	45	16.47
Altman's Z-Score	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	1.57	1.8	2.16	2.71	2.84	2.69	2.92	2.98	3.05	2.85	2.36	1.83	- -	- -	- -
Days Sales Outstanding	232.15	202.56	169.16	134.8	128.34	135.62	124.91	122.32	119.49	127.93	154.83	199.35	- -	- -	- -
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	- -	- -	- -	- -	- -	- -	- -	118	199	211	239	272	305
- Cash & Cash Equivalents	63	45	50	46	68	63	88	47	47	185	381	183	86	82	81
+ Preferred Equity and Hybrid Capital	12	12	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	10	10	21	19	15	13	10	10	10	15	10	10	93	40	50
Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	-231	-477	-407	-243	-208	-115
Total Capital	50	52	51	55	58	61	66	77	95	115	144	129	240	218	311
Total Debt/Capital (%)	20.64	19.77	40.25	33.96	26.33	20.91	15.62	13.35	10.87	13.26	7.14	7.97	38.7	18.27	16.08
Total Debt / EV	- -	- -	- -	- -	- -	- -	- -	- -	- -	-0.07	-0.02	-0.03	-0.38	-0.19	-0.44
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Market Cap	- -	- -	- -	- -	- -	- -	- -	- -	- -	119	191	213	241	275	285
Diluted Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	-230	-485	-405	-240	-205	-134
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Sales	23	24	25	27	29	32	36	42	45	47	55	69	80	62	92
TTM EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	10	6	11	5	7	9	11	16	15	25	-8	57	38	31	22
TTM Free Cash Flow to Firm	10	5	10	5	5	8	11	12	14	23	-9	54	36	30	20

Multiples (USD)

Valuation Multiples API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	5.18	-20.46	3.95	6.69	9.22	14.07
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	-231	-477	-407	-243	-208	-115
Low Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	19.56	22.88	26.48	31.68	31.93	39.35
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	- -	- -	- -	- -	- -	- -	- -	8.15	8.97	7.96	8.01	9.49	9.52
Price/Earnings Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	7.99	7.97	7.32	7.07	7.92	9.38
Price/Earnings High	- -	- -	- -	- -	- -	- -	- -	- -	- -	8.88	9.81	9.14	8.67	10.41	10.46
Price/Earnings Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	7.01	6	5.86	6.25	6.59	8.57
Price/Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.18	1.49	1.77	1.62	1.53	1.17
Price/Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.16	1.32	1.63	1.43	1.28	1.15
Price/Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.28	1.62	2.04	1.76	1.68	1.28
Price/Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.01	0.99	1.3	1.26	1.06	1.05
Price/Tangible Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.18	1.55	1.86	1.68	1.58	1.35
Price/Tangible Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.16	1.38	1.71	1.49	1.32	1.33
Price/Tangible Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.28	1.69	2.13	1.82	1.74	1.48
Price/Tangible Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.01	1.04	1.37	1.31	1.1	1.21
Price/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.53	3.4	3.04	2.98	4.36	3.05
Price/Sales Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.48	3.03	2.79	2.63	3.64	3.01
Price/Sales High	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.76	3.72	3.49	3.22	4.79	3.35
Price/Sales Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.17	2.28	2.24	2.32	3.03	2.75
Price/Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	4.79	-22.39	3.7	6.22	8.9	13.06
Price/Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	4.69	-19.9	3.4	5.49	7.43	12.87
Price/Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	5.22	-24.48	4.25	6.74	9.76	14.36
Price/Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	4.12	-14.97	2.72	4.85	6.18	11.75
Price/Free Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	5.07	-18.18	3.64	5.91	7.69	13.86
Price/Free Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	5.64	-22.37	4.55	7.25	10.11	15.47
Price/Free Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	4.45	-13.68	2.91	5.22	6.4	12.66
EV/Sales Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Sales High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Sales Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	22.76	34.21	35.98	40.62	46.01	43.71
High Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	24.79	37.4	41.35	43.99	50.46	48.06
Enterprise Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	-233	-499	-424	-271	-253	-119
Enterprise Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	-221	-458	-376	-223	-182	-84
Enterprise Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	-248	-543	-463	-296	-291	-145

Shares Outstanding	5	5	5	5	5	5	5	5	5	5	6	6	6	6	7
Diluted Weighted Avg Shares	5	5	5	5	5	5	5	5	5	5	6	6	6	6	7
Basic Weighted Avg Shares	5	5	5	5	5	5	5	5	5	5	6	6	6	6	6
Revenue per Share	4.83	4.92	5.12	5.56	6.04	6.49	7.14	8.17	8.81	9	10.05	11.85	13.64	10.54	14.33
EBITDA per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.05	0.26	0.64	0.99	1.21	1.53	1.62	2.74	3.01	2.79	3.81	4.52	5.07	4.85	4.59
Basic EPS from Cont Ops	0.2	0.41	0.72	0.99	1.21	1.53	1.62	2.74	3.01	2.79	3.81	4.52	5.07	4.85	4.59
Diluted EPS, GAAP	0.05	0.26	0.63	0.95	1.15	1.46	1.57	2.68	2.96	2.76	3.76	4.47	5.01	4.79	4.54
Diluted EPS from Cont Ops	0.2	0.41	0.7	0.95	1.15	1.46	1.57	2.68	2.96	2.76	3.76	4.47	5.01	4.79	4.54
Dividend per Share	- -	- -	0.41	- -	- -	0.1	0.28	0.36	0.46	0.36	0.56	0.64	1	1.08	1.2
Cash Flow per Share	2.11	1.21	2.24	1.11	1.5	1.83	2.27	3.06	3	4.75	-1.53	9.73	6.53	5.17	3.35
Free Cash Flow per Basic Share	2.05	1.02	2.16	1.07	0.95	1.7	2.16	2.3	2.73	4.44	-1.7	9.21	6.14	5.05	3.14
Cash & Equivalents per Share	25.3	26.27	29.26	28.28	34.06	33.5	44.37	42.42	39.88	70.25	117.86	107.23	97.77	87.93	67.36
Book Value per Share	5.83	6.27	6.38	7.59	8.78	9.79	10.98	13.01	16.34	19.3	23.02	20.32	25.06	30.1	37.47
Tangible Book Value per Share	5.83	6.27	6.38	7.59	8.78	9.79	10.98	13.01	16.34	19.3	22.08	19.38	24.12	29.03	32.4

Plumas Bancorp

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)