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Plumas Bancorp (PLBC)
NASDAQ:PLBC
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Plumas Bancorp (PLBC) AI Stock Analysis

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PLBC

Plumas Bancorp

(NASDAQ:PLBC)

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Outperform 73 (OpenAI - 4o)
Rating:73Outperform
Price Target:
$50.00
â–²(15.42% Upside)
Plumas Bancorp's overall stock score is driven by strong valuation and positive technical indicators. The company's low P/E ratio and solid dividend yield suggest it is undervalued, while technical analysis indicates bullish momentum. However, financial performance is mixed, with strong profitability but challenges in revenue growth and cash flow.
Positive Factors
Profitability
High profitability margins such as a net profit margin of 30.8% indicate efficient operations and a strong ability to generate earnings, supporting long-term financial health.
Balance Sheet Health
A low debt-to-equity ratio reflects prudent financial management, reducing risk and providing flexibility for future growth and investment opportunities.
Cash Conversion Efficiency
Efficient cash conversion indicates the company's ability to turn net income into cash, supporting ongoing operations and potential reinvestment in the business.
Negative Factors
Revenue Growth Challenges
A significant decline in revenue growth can impact the company's ability to expand and compete, potentially affecting its market position and long-term growth prospects.
Cash Flow Issues
Declining cash flow growth may limit the company's ability to fund operations and invest in growth initiatives, posing a risk to future financial stability.
Low Operating Cash Flow
A low operating cash flow relative to net income suggests potential issues in cash generation, which could affect liquidity and the ability to sustain operations without external financing.

Plumas Bancorp (PLBC) vs. SPDR S&P 500 ETF (SPY)

Plumas Bancorp Business Overview & Revenue Model

Company DescriptionPlumas 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 MoneyPlumas Bancorp generates revenue primarily through interest income from loans and investments. The bank provides various loan products such as commercial loans, residential mortgages, and consumer loans, which are a significant source of interest income as borrowers repay these loans over time with interest. Additionally, the company earns non-interest income through service fees, transaction charges, and investment services. The bank also benefits from maintaining a diverse deposit base, which helps manage its funding costs and supports its lending activities. Strategic partnerships with local businesses and real estate developers further enhance its lending opportunities, thereby contributing to its overall earnings.

Plumas Bancorp Financial Statement Overview

Summary
Plumas Bancorp demonstrates strong financial health with significant revenue and profit growth, solid margins, and effective equity utilization. Its conservative leverage approach further strengthens its financial stability. However, slight declines in EBITDA margin and free cash flow growth highlight areas for potential improvement.
Income Statement
65
Positive
Plumas Bancorp shows strong revenue growth with a 30% increase from the previous year to TTM, indicating robust business expansion. Gross and net profit margins are solid, at 88.2% and 31.2% respectively, reflecting good cost management and profitability. The EBIT and EBITDA margins are also favorable at 42.9% and 44.4%, suggesting efficient operational performance. However, there is a slight decline in EBITDA margin compared to the previous year, which needs monitoring.
Balance Sheet
70
Positive
The company maintains a healthy balance sheet with a debt-to-equity ratio of 0.31, showcasing a conservative leverage approach. Return on Equity (ROE) is impressive at 15.7%, demonstrating effective use of equity financing. The equity ratio is 11.5%, indicating a stable financial position. However, the high total liabilities relative to equity could pose a risk if not managed properly.
Cash Flow
60
Neutral
Plumas Bancorp's cash flow performance is stable, with a slight decrease in operating cash flow compared to the previous period. The Free Cash Flow to Net Income Ratio is strong at 0.95, indicating efficient cash conversion from earnings. However, the free cash flow growth rate shows a minor decline, which should be addressed to ensure long-term cash adequacy.
BreakdownTTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue94.31M72.86M84.89M70.53M56.50M47.86M
Gross Profit83.76M61.03M77.32M67.98M54.24M43.45M
EBITDA41.18M40.50M41.88M37.57M29.91M21.38M
Net Income29.08M28.62M29.78M26.44M21.01M14.47M
Balance Sheet
Total Assets1.63B1.62B1.61B1.62B1.61B1.11B
Cash, Cash Equivalents and Short-Term Investments518.94M519.75M574.84M628.13M686.50M364.52M
Total Debt54.46M61.83M116.06M28.93M27.59M29.19M
Total Liabilities1.44B1.45B1.46B1.50B1.48B1.01B
Stockholders Equity193.08M177.90M147.32M119.00M134.08M100.15M
Cash Flow
Free Cash Flow25.38M29.83M36.06M53.86M-9.35M23.02M
Operating Cash Flow25.84M30.51M38.34M56.88M-8.42M24.63M
Investing Cash Flow-8.72M10.25M-90.55M-270.77M-79.81M-114.40M
Financing Cash Flow-47.70M-44.39M-45.56M16.72M283.90M227.74M

Plumas Bancorp Technical Analysis

Technical Analysis Sentiment
Positive
Last Price43.32
Price Trends
50DMA
42.74
Positive
100DMA
43.18
Positive
200DMA
43.74
Positive
Market Momentum
MACD
0.52
Positive
RSI
60.05
Neutral
STOCH
24.31
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 43.32 is below the 20-day moving average (MA) of 43.85, above the 50-day MA of 42.74, and below the 200-day MA of 43.74, indicating a bullish trend. The MACD of 0.52 indicates Positive momentum. The RSI at 60.05 is Neutral, neither overbought nor oversold. The STOCH value of 24.31 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 27 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

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
78
Outperform
298.99M10.6211.30%5.44%12.08%9.69%
76
Outperform
358.95M17.817.37%1.75%0.75%-12.45%
73
Outperform
$300.95M9.3016.24%2.70%6.48%1.42%
72
Outperform
304.16M9.869.28%3.12%2.41%15.34%
53
Neutral
265.65M92.75-4.61%3.71%4.72%0.00%
68
Neutral
$18.00B11.429.92%3.81%9.73%1.22%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
PLBC
Plumas Bancorp
43.32
1.35
3.22%
FNLC
First Bancorp
26.67
1.85
7.45%
FRST
Primis Financial
10.78
-0.95
-8.10%
BWFG
Bankwell Financial Group
45.59
16.66
57.59%
CZFS
Citizens Financial Services
63.27
12.06
23.55%
COSO
CoastalSouth Bancshares
23.87
3.99
20.07%

Plumas Bancorp Corporate Events

Executive/Board ChangesM&A Transactions
Plumas Bancorp Enters Indemnification Agreements for New Board Member
Neutral
Aug 25, 2025

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.

Business Operations and StrategyExecutive/Board Changes
Plumas Bancorp Enhances Executive Severance Agreements
Neutral
Aug 22, 2025

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.

Executive/Board Changes
Plumas Bancorp Enters Change in Control Agreements
Neutral
Jul 22, 2025

On July 21, 2025, Plumas Bancorp and its subsidiary Plumas Bank entered into Change in Control Agreements with several key executives. These agreements outline compensation and conditions for executives in the event of a change in control, including lump sum payments and insurance premium reimbursements, with provisions to prevent misappropriation of trade secrets post-termination.

The most recent analyst rating on (PLBC) stock is a Buy with a $60.00 price target. To see the full list of analyst forecasts on Plumas Bancorp stock, see the PLBC Stock Forecast page.

Executive/Board Changes
Plumas Bancorp Appoints New Chief Banking Officer
Neutral
Jul 21, 2025

On July 21, 2025, Plumas Bancorp appointed Jack Prescott as Executive Vice President and Chief Banking Officer of Plumas Bank. Prescott, who previously served as Senior Vice President and Commercial Lending Manager, brings over 35 years of experience in lending and leadership, enhancing the bank’s executive team.

The most recent analyst rating on (PLBC) stock is a Buy with a $60.00 price target. To see the full list of analyst forecasts on Plumas Bancorp stock, see the PLBC Stock Forecast page.

Dividends
Plumas Bancorp Declares Quarterly Cash Dividend
Positive
Jul 17, 2025

On July 16, 2025, Plumas Bancorp‘s Board of Directors announced a quarterly cash dividend of $0.30 per common share. This dividend is payable on August 15, 2025, to shareholders recorded by August 1, 2025, reflecting the company’s ongoing commitment to shareholder returns.

The most recent analyst rating on (PLBC) stock is a Buy with a $60.00 price target. To see the full list of analyst forecasts on Plumas Bancorp stock, see the PLBC Stock Forecast page.

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.Date of analysis: Sep 19, 2025