Plumas Bancorp (PLBC)
NASDAQ:PLBC
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Plumas Bancorp
(NASDAQ:PLBC)
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Rating:67Neutral
Price Target:
$52.00
▲(2.16% Upside)
Action:DowngradedDate:03/20/26
The score is driven primarily by solid underlying profitability but tempered by rising leverage and cash-flow volatility. Valuation is a notable positive (low P/E with a moderate yield), while current technical signals show weak near-term momentum. Corporate events are supportive (buyback and dividend) but secondary to the financial and technical picture.
Positive Factors
Strong profitability & net margins
Consistently high net margins (roughly 27%–39%) indicate durable core profitability from interest and fee income. That margin buffer supports earnings resilience across rate cycles and funds dividends, buybacks, and reinvestment, improving long-term capacity to absorb credit shocks.
Negative Factors
Rising leverage
Debt-to-equity increasing to ~0.57 meaningfully raises funding and solvency risk versus prior years. Higher leverage reduces flexibility to absorb credit losses or fund growth without raising costly funding, making the franchise more sensitive to adverse credit or funding conditions.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong profitability & net margins
Consistently high net margins (roughly 27%–39%) indicate durable core profitability from interest and fee income. That margin buffer supports earnings resilience across rate cycles and funds dividends, buybacks, and reinvestment, improving long-term capacity to absorb credit shocks.
Read all positive factors
Plumas Bancorp (PLBC) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$355.23M
Dividend Yield2.63%
Average Volume (3M)17.14K
Price to Earnings (P/E)7.1
Beta (1Y)0.46
Revenue Growth11.98%
EPS Growth-10.12%
CountryUS
Employees183
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)1.56
Shares Outstanding6,978,988
10 Day Avg. Volume24,475
30 Day Avg. Volume17,135
Financial Highlights & Ratios
PEG Ratio-1.89
Price to Book (P/B)1.10
Price to Sales (P/S)2.66
P/FCF Ratio14.19
Enterprise Value/Market Cap1.19
Enterprise Value/Revenue3.77
Enterprise Value/Gross Profit4.63
Enterprise Value/Ebitda10.21
Forecast
1Y Price Target
$59.00Price Target Upside15.91% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)5.41
Revenue Forecast (FY)$112.62M
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 acc...
How the Company Makes Money
Plumas Bancorp primarily makes money through its banking subsidiary by earning interest income and fee-based (noninterest) income. The largest driver is typically net interest income: the bank collects interest on loans and interest-earning assets...
Plumas Bancorp Financial Statement Overview
Summary
Income Statement
76
Positive
Balance Sheet
68
Positive
Cash Flow
62
Positive
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 108.25M | 72.86M | 84.89M | 70.53M | 56.50M |
| Gross Profit | 87.52M | 61.03M | 77.32M | 67.98M | 54.24M |
| EBITDA | 39.59M | 40.50M | 41.88M | 37.57M | 30.16M |
| Net Income | 29.62M | 28.62M | 29.78M | 26.44M | 21.01M |
Balance Sheet | |||||
| Total Assets | 2.24B | 1.62B | 1.61B | 1.62B | 1.61B |
| Cash, Cash Equivalents and Short-Term Investments | 557.21M | 519.75M | 574.84M | 628.13M | 686.50M |
| Total Debt | 147.90M | 61.83M | 116.06M | 28.93M | 27.59M |
| Total Liabilities | 1.98B | 1.45B | 1.46B | 1.50B | 1.48B |
| Stockholders Equity | 261.08M | 177.90M | 147.32M | 119.00M | 134.08M |
Cash Flow | |||||
| Free Cash Flow | 20.28M | 29.83M | 36.06M | 53.86M | -9.35M |
| Operating Cash Flow | 21.59M | 30.51M | 38.34M | 56.88M | -8.42M |
| Investing Cash Flow | 70.32M | 10.25M | -90.55M | -270.77M | -79.81M |
| Financing Cash Flow | -93.31M | -44.39M | -45.56M | 16.72M | 283.90M |
Plumas Bancorp Technical Analysis
Positive
50.90
Price Trends
50.42
Positive
47.41
Positive
44.78
Positive
Market Momentum
0.02
Negative
62.66
Neutral
69.44
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 50.9 is above the 20-day moving average (MA) of 48.84, above the 50-day MA of 50.42, and above the 200-day MA of 44.78, indicating a bullish trend. The MACD of 0.02 indicates Negative momentum. The RSI at 62.66 is Neutral, neither overbought nor oversold. The STOCH value of 69.44 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
72 Outperform | $333.46M | 10.76 | 10.81% | ― | ― | ― | |
71 Outperform | $322.61M | 7.48 | 11.36% | 3.38% | 2.16% | 24.43% | |
70 Outperform | $329.77M | 8.51 | 12.70% | 5.24% | 10.46% | 18.70% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $355.23M | 7.08 | 13.35% | 2.63% | 11.98% | -10.12% | |
63 Neutral | $415.91M | 10.09 | 12.21% | 1.66% | 2.52% | 85.94% | |
62 Neutral | $346.53M | 5.58 | 15.78% | 3.06% | 9.90% | ― |
* Financial Sector Average
PLBC
Plumas Bancorp
50.90
9.68
23.49%
FNLC
First Bancorp
29.26
6.91
30.93%
FRST
Primis Financial
14.03
5.58
66.09%
BWFG
Bankwell Financial Group
52.14
22.41
75.40%
CZFS
Citizens Financial Services
67.11
12.09
21.97%
COSO
CoastalSouth Bancshares
25.46
5.49
27.47%
Plumas Bancorp Corporate Events
Business Operations and StrategyExecutive/Board Changes
Plumas Bancorp Updates Restricted Stock Unit Compensation Plan
Positive
Mar 2, 2026
On March 1, 2026, Plumas Bancorp’s board approved a new restricted stock unit award agreement under its 2022 Equity Incentive Plan for directors, executives, and employees. The awards consist of restricted units of common stock that vest ove...
Business Operations and StrategyExecutive/Board ChangesRegulatory Filings and Compliance
Plumas Bancorp Adopts Indemnification Agreements for Leadership
Positive
Feb 19, 2026
On February 18, 2026, Plumas Bancorp and its banking subsidiary approved indemnification agreements covering directors and executive officers, including EVP and Chief Credit Officer Kevin Kaiser, who was appointed on January 1, 2026. The agreement...
Business Operations and StrategyStock Buyback
Plumas Bancorp Authorizes $25 Million Stock Repurchase Program
Positive
Feb 2, 2026
On February 2, 2026, Plumas Bancorp announced that its board had authorized a stock repurchase program allowing the company to buy back up to $25 million of its common shares through the fourth quarter of 2026, with purchases potentially executed ...
Business Operations and StrategyExecutive/Board Changes
Plumas Bancorp Adopts 2026 Performance-Based Incentive Plan
Positive
Jan 23, 2026
On January 21, 2026, Plumas Bancorp’s board approved a 2026 cash non-equity incentive plan that covers all Plumas Bank employees regularly scheduled to work at least 20 hours per week, dividing the aggregate bonus pool into separate pools fo...
Dividends
Plumas Bancorp Declares Quarterly Cash Dividend to Shareholders
Positive
Jan 22, 2026
On January 21, 2026, Plumas Bancorp’s board of directors declared a quarterly cash dividend of $0.33 per common share, with the payment scheduled for February 18, 2026 to shareholders of record as of the close of business on February 4, 2026...
Business Operations and StrategyRegulatory Filings and Compliance
Plumas Bancorp Issues Investor Presentation Under Regulation FD
Neutral
Jan 21, 2026
On January 21, 2026, Plumas Bancorp prepared a slide presentation for use in upcoming investor presentations, furnishing it via a current report without treating it as a formally filed document under federal securities laws. The company emphasized...
Business Operations and StrategyExecutive/Board Changes
Plumas Bancorp Announces New Chief Credit Officer Leadership
Positive
Jan 2, 2026
On January 1, 2026, Plumas Bank implemented a planned leadership transition in its credit administration team, promoting Kevin Kaiser to executive vice president and chief credit officer following the December 31, 2025 retirement of longtime CCO J...
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.