Plumas Bancorp (PLBC)
NASDAQ:PLBC
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Plumas Bancorp
(NASDAQ:PLBC)
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Rating:76Outperform
Price Target:
$60.00
▲(14.83% Upside)
Action:Reiterated
Date:05/22/26
The score is driven primarily by solid financial performance and constructive technical momentum, reinforced by an attractive valuation (low P/E with a dividend). Offsetting factors include weaker recent cash-flow momentum and only moderately positive (not transformative) corporate developments.
Positive Factors
Sustained net margins and profitability
Net margins near 27% in 2025 and TTM indicate durable earnings power for a regional community bank. Strong margins support internal capital generation, underwriting capacity and dividend funding over the medium term, making results less sensitive to short-term rate swings.
Negative Factors
Volatile and declining free cash flow
A ~36% TTM decline and historical volatility in free cash flow weaken the bank's ability to self-fund lending, absorb loan losses, invest in technology, or sustain dividends without external financing. This reduces strategic flexibility across a 2–6 month horizon and beyond.
Read all positive and negative factors
Positive Factors
Negative Factors
Sustained net margins and profitability
Net margins near 27% in 2025 and TTM indicate durable earnings power for a regional community bank. Strong margins support internal capital generation, underwriting capacity and dividend funding over the medium term, making results less sensitive to short-term rate swings.
Read all positive factors
Plumas Bancorp (PLBC) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$366.94M
Dividend Yield2.63%
Average Volume (3M)17.14K
Price to Earnings (P/E)8.7
Beta (1Y)0.50
Revenue Growth21.59%
EPS Growth-4.49%
CountryUS
Employees183
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)4.75
Shares Outstanding6,968,136
10 Day Avg. Volume24,475
30 Day Avg. Volume17,135
Financial Highlights & Ratios
PEG Ratio-1.89
Price to Book (P/B)1.10
Price to Sales (P/S)2.66
P/FCF Ratio14.19
Enterprise Value/Market Cap1.22
Enterprise Value/Revenue3.72
Enterprise Value/Gross Profit4.56
Enterprise Value/Ebitda10.15
Forecast
1Y Price Target
$61.50Price Target Upside17.70% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)5.44
Revenue Forecast (FY)$112.62M
Plumas Bancorp Business Overview & Revenue Model
Company Description
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 acc...
How the Company Makes Money
Plumas Bancorp primarily makes money through its banking subsidiary by earning interest income and fee-based (noninterest) income. The largest driver is typically net interest income: the bank collects interest on loans and interest-earning assets...
Plumas Bancorp Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
72
Positive
Cash Flow
58
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 120.62M | 108.25M | 72.86M | 84.89M | 70.53M | 56.50M |
| Gross Profit | 98.30M | 87.52M | 61.03M | 77.32M | 67.98M | 54.24M |
| EBITDA | 44.16M | 39.59M | 40.50M | 41.88M | 37.57M | 30.16M |
| Net Income | 32.20M | 29.62M | 28.62M | 29.78M | 26.44M | 21.01M |
Balance Sheet | ||||||
| Total Assets | 2.20B | 2.24B | 1.62B | 1.61B | 1.62B | 1.61B |
| Cash, Cash Equivalents and Short-Term Investments | 532.61M | 469.33M | 519.75M | 574.84M | 628.13M | 686.50M |
| Total Debt | 144.17M | 147.90M | 61.83M | 116.06M | 28.93M | 27.59M |
| Total Liabilities | 1.93B | 1.98B | 1.45B | 1.46B | 1.50B | 1.48B |
| Stockholders Equity | 265.39M | 261.08M | 177.90M | 147.32M | 119.00M | 134.08M |
Cash Flow | ||||||
| Free Cash Flow | 22.22M | 20.28M | 29.83M | 36.06M | 53.86M | -9.35M |
| Operating Cash Flow | 23.49M | 21.59M | 30.51M | 38.34M | 56.88M | -8.42M |
| Investing Cash Flow | 83.77M | 70.32M | 10.25M | -90.55M | -270.77M | -79.81M |
| Financing Cash Flow | -131.71M | -93.31M | -44.39M | -45.56M | 16.72M | 283.90M |
Plumas Bancorp Technical Analysis
Positive
52.25
Price Trends
50.43
Positive
49.68
Positive
45.95
Positive
Market Momentum
0.54
Negative
59.92
Neutral
75.14
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For PLBC, the sentiment is Positive. The current price of 52.25 is above the 20-day moving average (MA) of 51.60, above the 50-day MA of 50.43, and above the 200-day MA of 45.95, indicating a bullish trend. The MACD of 0.54 indicates Negative momentum. The RSI at 59.92 is Neutral, neither overbought nor oversold. The STOCH value of 75.14 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for PLBC.
Plumas Bancorp Risk Analysis
Plumas Bancorp disclosed 31 risk factors in its most recent earnings report. Plumas Bancorp reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Plumas Bancorp Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
76 Outperform | $366.94M | 8.73 | 13.34% | 2.63% | 21.59% | -4.49% | |
76 Outperform | $415.32M | 8.31 | 13.31% | 1.66% | 7.75% | 217.94% | |
76 Outperform | $312.47M | 12.08 | 10.66% | ― | 4.33% | -5.10% | |
75 Outperform | $305.59M | 7.07 | 11.89% | 3.38% | 3.42% | 38.40% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $354.98M | 11.20 | 11.47% | 3.06% | 9.62% | 1059.18% | |
64 Neutral | $322.26M | 8.65 | 13.08% | 5.24% | 5.29% | 28.67% |
* Financial Sector Average
PLBC
Plumas Bancorp
52.66
10.11
23.77%
FNLC
First Bancorp
28.58
6.17
27.51%
FRST
Primis Financial
14.33
5.35
59.52%
BWFG
Bankwell Financial Group
52.09
19.20
58.38%
CZFS
Citizens Financial Services
63.60
7.01
12.38%
COSO
CoastalSouth Bancshares
25.68
5.24
25.65%
Plumas Bancorp Corporate Events
Executive/Board ChangesShareholder Meetings
Plumas Bancorp Shareholders Back Board, Pay and Auditor
Positive
May 21, 2026
At its May 20, 2026 annual meeting, Plumas Bancorp shareholders elected ten directors to the board for terms running until the 2027 annual meeting, although director Kenneth E. Robison resigned for personal reasons immediately after the meeting. I...
Executive/Board Changes
Plumas Bancorp Appoints New Principal Accounting Officer
Neutral
Apr 27, 2026
On April 27, 2026, Plumas Bancorp appointed 32-year-old Kelsey Cassinelli as its Principal Accounting Officer, bringing her in from KPMG US LLP, where she has worked since 2016 and most recently served as a Senior Audit Manager since April 2024. S...
Dividends
Plumas Bancorp Declares Quarterly Cash Dividend to Shareholders
Positive
Apr 16, 2026
On April 15, 2026, Plumas Bancorp’s board of directors declared a quarterly cash dividend of $0.33 per common share, reinforcing the bank’s practice of returning capital to shareholders through regular distributions. The dividend is sc...
Business Operations and StrategyRegulatory Filings and Compliance
Plumas Bancorp Issues Updated Investor Presentation and Outlook
Neutral
Apr 15, 2026
Plumas Bancorp has prepared a new investor presentation, dated April 15, 2026, for use in future meetings with investors and analysts. The materials are being furnished rather than filed under securities laws, underscoring that the bank does not r...
Business Operations and StrategyExecutive/Board Changes
Plumas Bancorp Updates Restricted Stock Unit Compensation Plan
Positive
Mar 2, 2026
On March 1, 2026, Plumas Bancorp’s board approved a new restricted stock unit award agreement under its 2022 Equity Incentive Plan for directors, executives, and employees. The awards consist of restricted units of common stock that vest ove...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.