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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)

Rating:79Outperform
Price Target:
$48.00
▲(17.07% Upside)
Plumas Bancorp's overall score is driven by its strong financial performance and attractive valuation metrics. The recent strategic acquisition and consistent dividends further bolster its outlook. However, bearish technical indicators present a short-term risk factor that should be monitored.
Positive Factors
Growth Prospects
PLBC is highlighted as a highly profitable and growth-oriented franchise, with expectations of 5-7% organic growth prospects and complementary bank M&A to support earnings upside.
Valuation
The discounted P/E multiple of PLBC is considered attractive given its superior profitability profile, which suggests potential for valuation appreciation.
Negative Factors
Market Competition
The bank holds the #1 market share in 3 core, rural markets in northern California, creating significant scarcity value and an attractive deposit base.

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

Plumas Bancorp Business Overview & Revenue Model

Company DescriptionPlumas Bancorp (PLBC) is a financial holding company headquartered in Quincy, California. It primarily operates through its subsidiary, Plumas Bank, which provides a comprehensive suite of banking products and services. The bank serves personal, business, and commercial sectors, offering services such as checking and savings accounts, mortgage and commercial loans, as well as other banking services like online banking and treasury management.
How the Company Makes MoneyPlumas Bancorp generates revenue primarily through interest income from its loan portfolio and investment securities. The company earns money by charging interest on loans offered to individuals and businesses, including commercial real estate loans, residential mortgages, and consumer loans. Additionally, Plumas Bancorp benefits from fees and service charges related to deposit account maintenance, transaction processing, and other banking services. The bank also generates non-interest income through ancillary services such as ATM usage fees, credit card services, and financial advisory. Strategic partnerships with other financial service providers enhance its product offerings and contribute to its revenue streams.

Plumas Bancorp Financial Statement Overview

Summary
Plumas Bancorp exhibits strong financial performance with significant revenue and profit growth, solid margins, and effective equity utilization. While the balance sheet shows a conservative leverage approach, slight declines in EBITDA margin and free cash flow growth need attention.
Income Statement
85
Very 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
78
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
72
Positive
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.
BreakdownDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue72.86M84.89M70.53M56.50M47.86M
Gross Profit61.03M77.32M67.98M54.24M43.45M
EBITDA40.50M41.88M37.57M29.91M21.38M
Net Income28.62M29.78M26.44M21.01M14.47M
Balance Sheet
Total Assets1.62B1.61B1.62B1.61B1.11B
Cash, Cash Equivalents and Short-Term Investments519.75M574.84M628.13M686.50M364.52M
Total Debt61.83M116.06M28.93M27.59M29.19M
Total Liabilities1.45B1.46B1.50B1.48B1.01B
Stockholders Equity177.90M147.32M119.00M134.08M100.15M
Cash Flow
Free Cash Flow29.83M36.06M53.86M-9.35M23.02M
Operating Cash Flow30.51M38.34M56.88M-8.42M24.63M
Investing Cash Flow10.25M-90.55M-270.77M-79.81M-114.40M
Financing Cash Flow-44.39M-45.56M16.72M283.90M227.74M

Plumas Bancorp Technical Analysis

Technical Analysis Sentiment
Neutral
Last Price41.00
Price Trends
50DMA
42.89
Negative
100DMA
42.73
Negative
200DMA
43.80
Negative
Market Momentum
MACD
-0.92
Positive
RSI
43.02
Neutral
STOCH
20.35
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For PLBC, the sentiment is Neutral. The current price of 41 is below the 20-day moving average (MA) of 41.78, below the 50-day MA of 42.89, and below the 200-day MA of 43.80, indicating a bearish trend. The MACD of -0.92 indicates Positive momentum. The RSI at 43.02 is Neutral, neither overbought nor oversold. The STOCH value of 20.35 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral 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 (67)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
79
Outperform
$284.83M8.4516.24%2.85%6.48%1.42%
78
Outperform
$313.83M15.457.29%2.01%0.75%-12.02%
77
Outperform
$283.64M9.7711.76%5.73%12.08%9.69%
70
Outperform
$256.95M8.1210.53%3.68%2.41%15.34%
67
Neutral
$17.03B11.609.79%3.95%10.64%1.89%
62
Neutral
$275.91M30.792.36%3.63%1.75%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
PLBC
Plumas Bancorp
41.00
5.42
15.23%
FNLC
First Bancorp
25.32
3.09
13.90%
FRST
Primis Financial
11.16
0.17
1.55%
BWFG
Bankwell Financial Group
39.86
14.68
58.30%
CZFS
Citizens Financial Services
53.45
11.48
27.35%

Plumas Bancorp Corporate Events

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.

Business Operations and Strategy
Plumas Bancorp Prepares Investor Presentation July 2025
Neutral
Jul 16, 2025

Plumas Bancorp has prepared a presentation for future investor engagements, with the information dated as of July 16, 2025. The company emphasizes that the details provided are not necessarily comprehensive or material for investment decisions, and actual results may vary significantly from forward-looking statements due to various risk factors.

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 ChangesM&A Transactions
Plumas Bancorp Completes Acquisition of Cornerstone Community Bancorp
Positive
Jul 2, 2025

On July 1, 2025, Plumas Bancorp completed its acquisition of Cornerstone Community Bancorp, merging Cornerstone Community Bank into Plumas Bank. This strategic move, valued at approximately $61.3 million, aims to enhance Plumas’s market presence by integrating Cornerstone’s local expertise with Plumas’s technological capabilities. The merger expands Plumas’s footprint with four additional branches and increases its total assets to approximately $2.3 billion. Key leadership changes include the appointment of Ken Robison to the board and Matthew B. Moseley continuing as Executive Vice President and Market President, both bringing valuable regional connections and expertise.

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.

M&A TransactionsShareholder Meetings
Plumas Bancorp Merger with Cornerstone Community Approved
Positive
Jun 3, 2025

On June 3, 2025, Cornerstone Community Bancorp announced that its shareholders approved the merger with Plumas Bancorp, which is expected to be completed in early July 2025. This merger will enhance service offerings and expand the reach of both institutions, resulting in a combined company with approximately $2.3 billion in total assets and 19 branches across 11 counties.

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 ChangesShareholder Meetings
Plumas Bancorp Shareholders Approve Key Governance Matters
Neutral
May 22, 2025

At the Annual Meeting of Shareholders on May 21, 2025, Plumas Bancorp‘s shareholders voted on several key governance matters. They elected nine directors to the board, approved a non-binding advisory vote on executive compensation, decided on the frequency of future votes regarding executive compensation, and ratified the appointment of Elliott Davis, LLC as independent auditors for the fiscal year ending December 31, 2025. These decisions reflect the company’s ongoing commitment to governance and transparency.

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: Jul 18, 2025