Plumas Bancorp (PLBC)
NASDAQ:PLBC
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Plumas Bancorp
(NASDAQ:PLBC)
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Rating:71Outperform
Price Target:
$57.00
â–²(9.09% Upside)
Action:UpgradedDate:04/16/26
The score is driven primarily by solid financial performance (strong profitability) tempered by rising leverage and cash-flow volatility. Technicals add support with an established uptrend and positive momentum. Valuation is a constraint due to an unusable P/E input and only a modest dividend yield, while recent corporate actions (buyback and dividends) provide an additional positive offset.
Positive Factors
Profitability & Net Margins
Consistently high net margins provide a durable earnings cushion that supports return on equity and internal capital generation. Strong operating profitability helps fund dividends and buybacks, and makes the franchise more resilient to cyclical revenue swings and modest loan-loss shocks over a multi‑quarter horizon.
Negative Factors
Rising Leverage
A material increase in leverage reduces financial flexibility and raises sensitivity to funding stress or credit deterioration. Higher debt levels can constrain capital actions during downturns, magnify earnings volatility from loan losses or margin compression, and increase regulatory or market scrutiny over several quarters.
Read all positive and negative factors
Positive Factors
Negative Factors
Profitability & Net Margins
Consistently high net margins provide a durable earnings cushion that supports return on equity and internal capital generation. Strong operating profitability helps fund dividends and buybacks, and makes the franchise more resilient to cyclical revenue swings and modest loan-loss shocks over a multi‑quarter horizon.
Read all positive factors
Plumas Bancorp (PLBC) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$352.29M
Dividend Yield2.63%
Average Volume (3M)17.14K
Price to Earnings (P/E)8.7
Beta (1Y)0.48
Revenue Growth21.59%
EPS Growth-4.49%
CountryUS
Employees183
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)4.56
Shares Outstanding6,974,673
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 Cap1.24
Enterprise Value/Revenue3.91
Enterprise Value/Gross Profit4.80
Enterprise Value/Ebitda10.58
Forecast
1Y Price Target
$61.50Price Target Upside17.70% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)5.44
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 | 469.33M | 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
52.25
Price Trends
50.55
Positive
48.10
Positive
45.06
Positive
Market Momentum
0.63
Negative
66.41
Neutral
56.49
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 52.25 is above the 20-day moving average (MA) of 49.93, above the 50-day MA of 50.55, and above the 200-day MA of 45.06, indicating a bullish trend. The MACD of 0.63 indicates Negative momentum. The RSI at 66.41 is Neutral, neither overbought nor oversold. The STOCH value of 56.49 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 |
|---|---|---|---|---|---|---|---|
76 Outperform | $334.38M | 12.08 | 10.66% | ― | 4.33% | -5.02% | |
75 Outperform | $290.60M | 7.07 | 11.89% | 3.38% | 3.42% | 38.40% | |
71 Outperform | $352.29M | 8.73 | 13.34% | 2.63% | 21.59% | -4.49% | |
70 Outperform | $320.19M | 8.65 | 13.08% | 5.24% | 5.29% | 28.70% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $358.95M | 11.20 | 11.47% | 3.06% | 9.62% | 1059.18% | |
63 Neutral | $402.88M | 8.31 | 13.31% | 1.66% | 7.75% | 220.19% |
* Financial Sector Average
PLBC
Plumas Bancorp
50.51
7.68
17.94%
FNLC
First Bancorp
28.41
5.05
21.61%
FRST
Primis Financial
14.49
6.04
71.54%
BWFG
Bankwell Financial Group
50.53
17.73
54.07%
CZFS
Citizens Financial Services
60.45
5.10
9.22%
COSO
CoastalSouth Bancshares
25.53
6.08
31.23%
Plumas Bancorp Corporate Events
Dividends
Plumas Bancorp Declares Quarterly Cash Dividend to Shareholders
Positive
Apr 16, 2026
On April 15, 2026, Plumas Bancorp’s board of directors declared a quarterly cash dividend of $0.33 per common share, reinforcing the bank’s practice of returning capital to shareholders through regular distributions. The dividend is sc...
Business Operations and StrategyRegulatory Filings and Compliance
Plumas Bancorp Issues Updated Investor Presentation and Outlook
Neutral
Apr 15, 2026
Plumas Bancorp has prepared a new investor presentation, dated April 15, 2026, for use in future meetings with investors and analysts. The materials are being furnished rather than filed under securities laws, underscoring that the bank does not r...
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...
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.