Plumas Bancorp (PLBC) AI Stock Analysis

• Market Cap: $316.75M
• Dividend Yield: 2.64%
• Average Volume (3M): 17.14K
• Price to Earnings (P/E): 10.7
• Beta (1Y): 0.47
• 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: 24,475
• 30 Day Avg. Volume: 17,135
• 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: 1.14
• Enterprise Value/Revenue: 3.54
• Enterprise Value/Gross Profit: 4.29
• Enterprise Value/Ebitda: 9.40
• 1Y Price Target: $61.00
• Price Target Upside: 33.89% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1
• EPS Forecast (FY): 4.29
• Revenue Forecast (FY): $96.19M

• Rating: 70 Neutral
• Price Target: $52.00 ▲(14.14% Upside)

Plumas Bancorp's overall stock score is driven by solid financial performance and reasonable valuation. The technical analysis indicates a strong upward trend, though caution is advised due to overbought signals. Corporate events further support governance and shareholder value, enhancing the company's stability.

Positive Factors

Revenue Growth

Consistent revenue growth indicates strong market demand and effective business strategies, supporting long-term financial stability.

Governance Stability

New indemnification agreements enhance governance stability, potentially boosting executive confidence and aligning with stakeholder interests.

Capital Structure

Improved debt-to-equity ratio strengthens the balance sheet, enhancing financial flexibility and reducing risk exposure.

Negative Factors

Profit Margin Decline

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

Cash Flow Challenges

Negative free cash flow growth indicates potential issues in cash generation, which could limit investment and operational flexibility.

Profitability on Equity

Decreased return on equity indicates reduced efficiency in generating profits from shareholder investments, impacting overall financial performance.

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 accepts various deposits, such as checking, money market checking, business sweep, public funds sweep, savings, time deposit, and retirement accounts. Its loan portfolio includes term real estate, commercial, and industrial term loans; government-guaranteed and agricultural loans, as well as credit lines; consumer, automobile, and home equity loans; land development and construction loans; and small business administration loans. The company also provides remote deposit, telephone and mobile banking, internet banking with bill-pay options, cashier's check, bank-by-mail, automated teller machine, night depository, safe deposit box, direct deposit, electronic funds transfer, and other customary banking services. As of February 28, 2022, it operated 14 full-service branches and 3 lending offices. Plumas Bancorp was incorporated in 1980 and is headquartered in Reno, Nevada.

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	102.07M	72.86M	84.89M	70.53M	56.50M	47.86M
Gross Profit	84.30M	61.03M	77.32M	67.98M	54.24M	43.45M
EBITDA	38.43M	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	529.83M	519.75M	574.84M	628.13M	686.50M	364.52M
Total Debt	145.20M	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	245.95M	177.90M	147.32M	119.00M	134.08M	100.15M
Cash Flow
Free Cash Flow	22.34M	29.83M	36.06M	53.86M	-9.35M	23.02M
Operating Cash Flow	23.46M	30.51M	38.34M	56.88M	-8.42M	24.63M
Investing Cash Flow	61.83M	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: 45.56
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: 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 45.56 is above the 20-day moving average (MA) of 44.69, above the 50-day MA of 42.76, and above the 200-day MA of 42.55, indicating a bullish trend. The MACD of 0.98 indicates Negative momentum. The RSI at 60.59 is Neutral, neither overbought nor oversold. The STOCH value of 53.21 is Neutral, 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
CZFS	75 Outperform	$282.47M	8.27	10.88%	3.38%	2.16%	24.43%
BWFG	74 Outperform	$381.11M	13.34	10.04%	1.65%	2.52%	85.94%
FNLC	72 Outperform	$307.30M	9.61	11.86%	5.24%	10.46%	18.70%
PLBC	70 Neutral	$316.75M	10.66	12.34%	2.64%	11.98%	-10.12%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
FRST	67 Neutral	$327.52M	37.61	2.25%	3.01%	9.90%	―

Plumas Bancorp Corporate Events

Plumas Bancorp adopts new executive indemnification agreements

On December 17, 2025, Plumas Bancorp and its subsidiary Plumas Bank entered into new indemnification agreements covering two recently appointed executives, Jack Prescott, EVP/Chief Banking Officer (appointed July 21, 2025), and Matt Moseley, EVP/Regional Market President (appointed July 1, 2025). The agreements commit the company and the bank to indemnify their directors and executive officers and advance related expenses to the fullest extent allowed by law, reinforcing existing protections in governing documents and potentially strengthening executive confidence and governance stability for stakeholders.

Plumas Bancorp Completes Sale and Leaseback Deal

On November 19, 2025, Plumas Bank completed the sale of two administrative offices in Quincy, California, to BBS Branch III, LLC for $5.55 million. Concurrently, Plumas Bank entered into a 15-year leaseback agreement for the properties, resulting in a pre-tax gain of approximately $5.5 million. The company is considering selling a portion of its securities portfolio, which is currently in a loss position, to offset the gain from the sale and leaseback transaction.

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.

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.