Want to see PLBC full AI Analyst Report?
Top Page
Plumas Bancorp
(NASDAQ:PLBC)
Select Model
Select Model
Rating:78Outperform
Price Target:
$70.00
▲(14.14% Upside)
Action:Reiterated
Date:08/06/26
The score is driven primarily by strong financial performance (healthy profitability, improved leverage, and solid cash conversion), supported by constructive technical trends (price above key averages with positive momentum). Reasonable valuation and a steady dividend add support, while corporate events are mildly positive but not transformative.
Positive Factors
Profitability
Sustained TTM net margin near 27% indicates durable earnings power from core banking operations. High operating profitability supports internal capital generation, funds lending growth and dividends, and provides a cushion vs. credit cycles, underpinning long-term shareholder returns.
Negative Factors
Revenue Volatility
Uneven top-line history signals sensitivity to local economic cycles and loan demand. Persistent revenue volatility complicates forecasting, can compress margins in downturns, and may limit steady expansion of franchise value unless diversification or steadier loan pipelines are built.
Read all positive and negative factors
Positive Factors
Negative Factors
Profitability
Sustained TTM net margin near 27% indicates durable earnings power from core banking operations. High operating profitability supports internal capital generation, funds lending growth and dividends, and provides a cushion vs. credit cycles, underpinning long-term shareholder returns.
Read all positive factors
Plumas Bancorp (PLBC) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$427.98M
Dividend Yield2.1%
Average Volume (3M)17.14K
Price to Earnings (P/E)11.9
Beta (1Y)0.42
Revenue Growth32.78%
EPS Growth4.54%
CountryUS
Employees238
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)5.11
Shares Outstanding6,959,016
10 Day Avg. Volume24,475
30 Day Avg. Volume17,135
Financial Highlights & Ratios
PEG Ratio-1.88
Price to Book (P/B)1.10
Price to Sales (P/S)2.66
P/FCF Ratio14.19
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$66.33Price Target Upside8.16% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering3
EPS Forecast (FY)5.63
Revenue Forecast (FY)$113.69M
Plumas Bancorp Business Overview & Revenue Model
Company Description
Plumas Bancorp functions as the parent holding company for Plumas Bank, a financial institution that delivers a broad spectrum of banking products and services. Its clientele primarily consists of individuals, as well as small and mid-sized busine...
How the Company Makes Money
Plumas Bancorp makes money primarily through its banking subsidiary by (1) earning interest and fees on loans and other interest-earning assets and (2) generating noninterest income from fees and service charges.
1) Net interest income (core earn...
Plumas Bancorp Financial Statement Overview
Summary
Income Statement
82
Very Positive
Balance Sheet
76
Positive
Cash Flow
79
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 130.74M | 108.25M | 72.86M | 84.89M | 70.53M | 56.50M |
| Gross Profit | 106.77M | 87.52M | 61.03M | 77.32M | 67.98M | 54.24M |
| EBITDA | 54.74M | 42.43M | 40.50M | 41.88M | 37.57M | 30.16M |
| Net Income | 35.84M | 29.62M | 28.62M | 29.78M | 26.44M | 21.01M |
Balance Sheet | ||||||
| Total Assets | 2.28B | 2.24B | 1.62B | 1.61B | 1.62B | 1.61B |
| Cash, Cash Equivalents and Short-Term Investments | 601.54M | 469.33M | 519.75M | 574.84M | 628.13M | 686.50M |
| Total Debt | 103.64M | 147.90M | 61.83M | 116.06M | 28.93M | 27.59M |
| Total Liabilities | 2.01B | 1.98B | 1.45B | 1.46B | 1.50B | 1.48B |
| Stockholders Equity | 272.13M | 261.08M | 177.90M | 147.32M | 119.00M | 134.08M |
Cash Flow | ||||||
| Free Cash Flow | 31.73M | 20.28M | 29.83M | 36.06M | 53.86M | -9.35M |
| Operating Cash Flow | 33.11M | 21.59M | 30.51M | 38.34M | 56.88M | -8.42M |
| Investing Cash Flow | 76.25M | 70.32M | 10.25M | -90.55M | -270.77M | -79.81M |
| Financing Cash Flow | -53.08M | -93.31M | -44.39M | -45.56M | 16.72M | 283.90M |
Plumas Bancorp Technical Analysis
Positive
61.33
Price Trends
59.56
Positive
55.51
Positive
50.92
Positive
Market Momentum
0.68
Positive
53.00
Neutral
23.82
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 61.33 is below the 20-day moving average (MA) of 61.73, above the 50-day MA of 59.56, and above the 200-day MA of 50.92, indicating a neutral trend. The MACD of 0.68 indicates Positive momentum. The RSI at 53.00 is Neutral, neither overbought nor oversold. The STOCH value of 23.82 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 |
|---|---|---|---|---|---|---|---|
78 Outperform | $427.98M | 11.94 | 13.72% | 2.05% | 32.78% | 4.54% | |
70 Outperform | $450.64M | 10.92 | 7.94% | 2.44% | 3.04% | 88.65% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $307.89M | 16.43 | 11.13% | ― | 20.00% | -8.28% | |
67 Neutral | $434.35M | 22.87 | 4.62% | 0.47% | ― | ― | |
66 Neutral | $462.72M | 17.49 | 7.70% | 4.60% | 18.97% | -14.99% | |
62 Neutral | $431.38M | 24.81 | 6.29% | ― | 16.32% | -16.91% |
* Financial Sector Average
PLBC
Plumas Bancorp
61.50
20.31
49.30%
CZNC
Citizens & Northern
25.80
6.66
34.82%
RBB
Rbb Bancorp
26.64
6.79
34.19%
PBFS
Pioneer Bancorp
17.37
4.46
34.61%
GBFH
GBank Financial Holdings
21.21
-18.76
-46.94%
AVBC
Avidia Bancorp, Inc.
21.75
7.06
48.04%
Plumas Bancorp Corporate Events
Dividends
Plumas Bancorp Declares Quarterly Cash Dividend for Shareholders
Positive
Jul 17, 2026
On July 15, 2026 Plumas Bancorp’s Board of Directors declared a quarterly cash dividend of $0.33 per common share, marking a continuation of the bank’s practice of returning capital to shareholders. The dividend is scheduled to be paid...
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...
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.