Plumas Bancorp (PLBC) AI Stock Analysis

• Market Cap: $289.28M
• Dividend Yield: 2.83%
• Average Volume (3M): 11.34K
• Price to Earnings (P/E): 9.7
• Beta (1Y): 0.49
• Revenue Growth: 11.98%
• EPS Growth: -10.12%
• Country: US
• Employees: 183
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.73
• Shares Outstanding: 6,955,514
• 10 Day Avg. Volume: 8,413
• 30 Day Avg. Volume: 11,337
• PEG Ratio: -2.15
• Price to Book (P/B): 1.57
• Price to Sales (P/S): 3.82
• P/FCF Ratio: 9.34
• Enterprise Value/Market Cap: 1.25
• Enterprise Value/Revenue: 3.61
• Enterprise Value/Gross Profit: 17.00
• Enterprise Value/Ebitda: 9.63
• 1Y Price Target: $61.00
• Price Target Upside: 43.80% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1
• EPS Forecast (FY): 4.29
• Revenue Forecast (FY): $97.35M

• Rating: 68 Neutral
• Price Target: $45.00 ▲(6.08% Upside)

Plumas Bancorp's overall stock score is driven by its solid financial performance and attractive valuation. Despite challenges in maintaining profit margins and cash flow growth, the company remains stable. Technical analysis indicates potential bearish trends, but the stock's undervaluation and dividend yield provide a positive outlook.

Positive Factors

Revenue Growth

Consistent revenue growth indicates strong demand for Plumas Bancorp's financial products and services, supporting long-term business expansion.

Acquisition of Cornerstone Community Bancorp

The acquisition expands Plumas Bancorp's market presence and customer base, potentially enhancing revenue and operational synergies over time.

Improved Leverage

Improved leverage enhances financial stability and flexibility, allowing Plumas Bancorp to better manage economic fluctuations and invest in growth opportunities.

Negative Factors

Decline in Profit Margins

Declining profit margins suggest rising costs or pricing pressures, which could impact long-term profitability if not addressed.

Decreased Return on Equity

A decrease in return on equity indicates less efficient use of shareholder capital, potentially affecting investor confidence and future capital raising.

Negative Free Cash Flow Growth

Negative free cash flow growth can limit Plumas Bancorp's ability to reinvest in the business, pay down debt, or return capital to shareholders.

Plumas Bancorp Business Overview & Revenue Model

Company Description

Plumas Bancorp (PLBC) is a financial holding company headquartered in California, primarily engaged in the banking sector through its subsidiary, Plumas Bank. The company provides a range of financial services, including personal and commercial banking, loans, deposits, and wealth management solutions. With a focus on serving local communities, Plumas Bancorp operates branches across several regions, catering to individual customers, small businesses, and larger enterprises.

How the Company Makes Money

Plumas Bancorp generates revenue primarily through interest income from loans and investments, as well as non-interest income from various banking services. Key revenue streams include interest earned from commercial and consumer loans, mortgages, and home equity lines of credit. Additionally, the bank earns fees from deposit accounts, transaction services, and wealth management services. Significant partnerships with local businesses and community organizations enhance its client base and service offerings, while effective risk management practices contribute to maintaining a healthy loan portfolio and minimizing defaults.

Plumas Bancorp Financial Statement Overview

Summary

Plumas Bancorp shows strong revenue growth and operational efficiency, but faces challenges in maintaining profit margins and cash flow growth. The balance sheet reflects improved leverage, though profitability on equity has declined. Overall, the company remains stable with potential areas for improvement in profitability and cash flow management.

Income Statement

Plumas Bancorp has demonstrated consistent revenue growth, with a notable 6.16% increase in the TTM period. However, there is a decline in gross profit margin from previous years, indicating potential cost pressures. The net profit margin remains healthy at 7.58% in the TTM, though it has decreased from previous periods. EBIT and EBITDA margins are strong, reflecting efficient operations.

Balance Sheet

The company's debt-to-equity ratio has improved significantly in the TTM, indicating reduced leverage. However, the return on equity has decreased to 1.11%, suggesting lower profitability relative to equity. The equity ratio remains stable, indicating a solid capital structure.

Cash Flow

Free cash flow growth has been negative in the TTM, reflecting potential challenges in cash generation. The operating cash flow to net income ratio is low, indicating less cash generation from operations relative to net income. However, the free cash flow to net income ratio remains strong, suggesting efficient cash management.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	99.93M	72.86M	84.89M	70.53M	56.50M	47.86M
Gross Profit	21.25M	61.03M	77.32M	67.98M	54.24M	43.45M
EBITDA	37.52M	40.50M	41.88M	37.57M	30.16M	21.38M
Net Income	26.40M	28.62M	29.78M	26.44M	21.01M	14.47M
Balance Sheet
Total Assets	2.23B	1.62B	1.61B	1.62B	1.61B	1.11B
Cash, Cash Equivalents and Short-Term Investments	571.97M	519.75M	574.84M	628.13M	686.50M	364.52M
Total Debt	51.34M	61.83M	116.06M	28.93M	27.59M	29.19M
Total Liabilities	1.98B	1.45B	1.46B	1.50B	1.48B	1.01B
Stockholders Equity	2.23B	177.90M	147.32M	119.00M	134.08M	100.15M
Cash Flow
Free Cash Flow	8.18M	29.83M	36.06M	53.86M	-9.35M	23.02M
Operating Cash Flow	8.28M	30.51M	38.34M	56.88M	-8.42M	24.63M
Investing Cash Flow	-7.96M	10.25M	-90.55M	-270.77M	-79.81M	-114.40M
Financing Cash Flow	-115.97M	-44.39M	-45.56M	16.72M	283.90M	227.74M

Plumas Bancorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 42.42
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

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 42.42 is above the 20-day moving average (MA) of 41.19, above the 50-day MA of 42.30, and below the 200-day MA of 42.60, indicating a neutral trend. The MACD of -0.05 indicates Negative momentum. The RSI at 59.83 is Neutral, neither overbought nor oversold. The STOCH value of 86.64 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for PLBC.

Plumas Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
FNLC	72 Outperform	$278.70M	8.84	11.86%	5.71%	10.46%	18.70%
BWFG	71 Outperform	$350.62M	12.34	10.04%	1.77%	2.52%	85.94%
PLBC	68 Neutral	$289.28M	9.73	12.34%	2.83%	11.98%	-10.12%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
CZFS	64 Neutral	$275.26M	8.07	10.88%	3.52%	2.16%	24.43%
FRST	55 Neutral	$265.16M	30.96	2.25%	3.71%	9.90%	―

Plumas Bancorp Corporate Events

Plumas Bancorp Declares Quarterly Dividend of $0.30

On October 15, 2025, Plumas Bancorp‘s Board of Directors declared a quarterly cash dividend of $0.30 per common share. This dividend is payable on November 17, 2025, to shareholders recorded as of November 3, 2025, reflecting the company’s ongoing commitment to returning value to its shareholders.

The most recent analyst rating on (PLBC) stock is a Buy with a $61.00 price target. To see the full list of analyst forecasts on Plumas Bancorp stock, see the PLBC Stock Forecast page.

Plumas Bancorp Reports Mixed Q3 2025 Earnings

Plumas Bancorp, the parent company of Plumas Bank, is a community bank headquartered in Quincy, California, offering a range of financial services across its branches in California and Nevada. The bank recently reported its third-quarter earnings for 2025, highlighting a net income of $5.1 million, a decrease from the previous year’s $7.8 million. This decline was attributed to increased provisions for credit losses and non-interest expenses, despite a rise in net interest income.

Plumas Bancorp Prepares Investor Presentation July 2025

Plumas Bancorp has prepared a presentation for future investor meetings, with the information being current as of July 16, 2025. The company emphasizes that the data provided is not necessarily complete or material for investment decisions and highlights that actual results may differ from forward-looking statements due to various risk factors.

The most recent analyst rating on (PLBC) stock is a Hold with a $46.00 price target. To see the full list of analyst forecasts on Plumas Bancorp stock, see the PLBC Stock Forecast page.

Plumas Bancorp Enters Indemnification Agreements for New Board Member

On August 25, 2025, Plumas Bancorp and its subsidiary, Plumas Bank, entered into indemnification agreements for Ken Robison, who joined the Board on July 1, 2025, following the acquisition of Cornerstone Community Bancorp. These agreements ensure the company will indemnify directors and executive officers and cover expenses as allowed by law, enhancing their protection and aligning with corporate governance practices.

The most recent analyst rating on (PLBC) stock is a Buy with a $47.00 price target. To see the full list of analyst forecasts on Plumas Bancorp stock, see the PLBC Stock Forecast page.

Plumas Bancorp Enhances Executive Severance Agreements

On August 22, 2025, Plumas Bancorp and Plumas Bank entered into revised Change in Control Agreements with several of its executives, enhancing severance benefits from 12 to 18 months of base salary in the event of termination under specific conditions following a change in control. These agreements, effective until December 31, 2028, with automatic renewals, aim to secure executive stability and prevent misappropriation of company secrets, potentially impacting the company’s operational continuity and stakeholder confidence.

The most recent analyst rating on (PLBC) stock is a Buy with a $47.00 price target. To see the full list of analyst forecasts on Plumas Bancorp stock, see the PLBC Stock Forecast page.