Plumas Bancorp (NASDAQ:PLBC)

CAPS Rating: No stars

A bank holding company for Plumas Bank, which offers a range of consumer and commercial banking and investment services.

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Member Avatar AnsgarJohn (99.14) Submitted: 12/6/2016 10:17:25 AM : Outperform Start Price: $16.28 PLBC Score: +12.66

Motley Fool Small Cap Screen Detailed Analysis

PROFIT MARGIN: PASS

This methodology seeks companies with a minimum trailing 12 month after tax profit margin of 7%. The companies that pass this criterion have strong positions within their respective industries and offer greater shareholder returns. A true test of the quality of a company is that they can sustain this margin. PLBC's profit margin of 22.79% passes this test.

RELATIVE STRENGTH: PASS

The investor must look at the relative strength of the company in question. Companies whose relative strength is 90 or above (that is, the company outperforms 90% or more of the market for the past year), are considered attractive. Companies whose price has been rising much quicker than the market tend to keep rising. PLBC, with a relative strength of 94, satisfies this test.

COMPARE SALES AND EPS GROWTH TO THE SAME PERIOD LAST YEAR: FAIL

Companies must demonstrate both revenue and net income growth of at least 25% as compared to the prior year. These growth rates give you the dynamic companies that you are looking for. These rates for PLBC (21.88% for EPS, and 10.19% for Sales) are not good enough to pass.

INSIDER HOLDINGS: PASS

PLBC's insiders should own at least 10% (they own 12.00% ) of the company's outstanding shares which is the minimum required. A high percentage typically indicates that the insiders are confident that the company will do well.

CASH FLOW FROM OPERATIONS: PASS

A positive cash flow is typically used for internal expansion, acquisitions, dividend payments, etc. A company that generates rather than consumes cash is in much better shape to fund such activities on their own, rather than needing to borrow funds to do so. PLBC's free cash flow of $0.91 per share passes this test.

PROFIT MARGIN CONSISTENCY: PASS

PLBC's profit margin has been consistent or even increasing over the past three years (Current year: 25.73%, Last year: 22.41%, Two years ago: 17.63%), passing the requirement. It is a sign of good management and a healthy and competitive enterprise.

R&D AS A PERCENTAGE OF SALES: NEUTRAL

This criterion is not critically important for companies that are not high-tech or medical stocks because they are not as R&D dependant as companies within those sectors. Not much emphasis should be placed on this test in PLBC's case.

CASH AND CASH EQUIVALENTS: PASS

PLBC's level of cash $68.2 million passes this criteria. If a company is a cash generator, like PLBC, it has the ability to pay off debt (if it has any) or acquire other companies. Most importantly, good operations generate cash.

"THE FOOL RATIO" (P/E TO GROWTH): PASS

The "Fool Ratio" is an extremely important aspect of this analysis. If the company has attractive fundamentals and its Fool Ratio is 0.5 or less (PLBC's is 0.14), the shares are looked upon favorably. These high quality companies can often wind up as the biggest winners. PLBC passes this test.

The following criteria for PLBC are less important which means you would place less emphasis on them when making your investment decision using this strategy:

AVERAGE SHARES OUTSTANDING: PASS

PLBC has not been significantly increasing the number of shares outstanding within recent years which is a good sign. PLBC currently has 5.0 million shares outstanding. This means the company is not taking any measures, with regards to the number of shares, that will dilute or devalue the stock.

SALES: PASS

Companies with sales less than $500 million should be chosen. It is among these small-cap stocks that investors can find "an uncut gem", ones that institutions won't be able to buy yet. PLBC's sales of $24.3 million based on trailing 12 month sales, are fine, making this company one such "prospective gem". PLBC passes the sales test.

DAILY DOLLAR VOLUME: FAIL

PLBC does not meet the Daily Dollar Volume (DDV of $0.2 million) test. It is required that this number be greater than $1 million and less than $25 million because these are the stocks that are liquid but remain relatively undiscovered by institutions. PLBC is too illiquid to be considered attractive at this time.

PRICE: PASS

This is a very insignificant criterion for this methodology. But basically, low prices are chosen because "small numbers multiply more rapidly than large ones" and the potential for big returns expands. PLBC with a price of $16.45 passes the price test. The price should be above $7 in order to eliminate penny stocks and below $20 since most stocks in this price range are undiscovered by the institutions.

INCOME TAX PERCENTAGE: PASS

PLBC's income tax paid expressed as a percentage of pretax income this year was (38.99%) and last year (39.51%) are greater than 20% which is an acceptable level. If the tax rate is below 20% this could mean that the earnings that were reported were unrealistically inflated due to the lower level of income tax paid. This is a concern.

Leaderboard

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Score Leader

AnsgarJohn

AnsgarJohn (99.14) Score: +12.66

How many people are actively playing CAPS? 300?

Top
Pick
Member Name Member
Rating
Start
Date
Call Time
Frame
Start
Price
Stock
Gain
Index
Gain
Score Commentary
AnsgarJohn 99.14 12/6/2016 Outperform 5Y $16.28 +24.70% +12.05% +12.66 2 Comments
BatonSinister 67.44 6/16/2017 Outperform 5Y $19.50 +4.10% +2.20% +1.91 0 Comment
billator 99.73 7/11/2017 Outperform 5Y $21.15 -4.02% +2.12% -6.14 0 Comment

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