Plumas Bancorp stock analysis
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Plumas Bancorp (PLBC) Stock Price & Analysis
PLBC Stock Chart & Stats
- Day’s Range
- $62.18 - $63.09
- 52-Week Range
- $41.30 - $65.10
- Previous Close
- $62.46
- Volume
- N/A
- Average Volume (3M)
- 52.87K
- Market Cap
- $437.90M
- Enterprise Value
- $424.92M
- Total Cash (Recent Filing)
- $114.36M
- Total Debt (Recent Filing)
- $106.30M
- Price to Earnings (P/E)
- 10.4
- Beta
- 0.36
- Next Earnings
- Jan 20, 2027 (Est.)
- EPS Estimate
- 1.52
- Last Dividend Ex-Date
- Nov 03, 2026
- Dividend Yield
- 2.09%
Bulls Say, Bears Say
Bulls Say
Strong Profitability And Growth
Strong profitability, high margins, and meaningful TTM revenue expansion indicate substantial earnings capacity for a regional bank. Improving net income can support capital formation and continued investment in lending, technology, and customer relationships over the next several quarters.
Improving Leverage
Lower leverage and a growing equity base strengthen Plumas Bancorp’s financial cushion as assets expand. This improvement can increase resilience to credit or funding pressure and gives management greater flexibility to support lending while maintaining balance-sheet discipline.
Orderly CFO Succession
The planned CFO transition reduces disruption risk because the successor is already a senior accounting officer and has experience with financial reporting and complex regulatory matters. Continued advisory support from the retiring CFO should further preserve institutional knowledge.
Bears Say
Volatile Cash Generation
Although cash flow remains positive, the sharp reduction from prior periods makes earnings less consistently supported by internally generated cash. Persistent volatility could constrain capital deployment, reduce flexibility during weaker operating periods, and make financial performance more sensitive to balance-sheet changes.
Choppy Revenue And Margin Trend
The uneven revenue path and lower margins indicate that recent growth has not translated into a consistently expanding earnings profile. If this pattern persists, operating leverage may be less dependable and future profitability could fluctuate rather than compound smoothly across reporting periods.
Debt Volatility And Funding Sensitivity
Improved current leverage is encouraging, but repeated year-to-year debt increases show that funding needs can change materially. Such volatility may heighten sensitivity to funding costs and market conditions, potentially limiting flexibility if balance-sheet expansion coincides with less favorable financing conditions.
Plumas Bancorp News
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Plumas Bancorp Stock Smart Score
Company Description
Plumas Bancorp
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 businesses, situated across Northeastern California and Northwestern Nevada. The bank's diverse deposit offerings include conventional checking, money market checking, specialized business and public funds sweep accounts, savings, time deposits, and various retirement accounts. On the lending side, Plumas Bank provides a comprehensive suite of options, such as term loans for real estate, commercial endeavors, and industrial operations; government-guaranteed and agricultural financing; revolving lines of credit; consumer loans like auto and home equity; funding for land development and construction projects; and Small Business Administration (SBA) loans. Beyond its core deposit and lending products, the company extends modern conveniences like remote deposit, telephone and mobile banking, and internet banking complete with bill-pay functionality. Additional services encompass cashier's checks, mail-in banking, automated teller machines (ATMs), night depositories, safe deposit boxes, direct deposit, electronic funds transfers, and other standard banking facilities. As of February 28, 2022, Plumas Bank operated through 14 full-service branches and 3 dedicated lending offices. Incorporated in 1980, Plumas Bancorp maintains its corporate headquarters in Reno, Nevada.
- Sector
- Financial
- Industry
- Banks - Regional
- CEO
- Andrew J. Ryback
- Employees
- 234
- Website
- www.plumasbank.com
- Address
- 5525 Kietzke Lane, Reno, NV, 89511, US
Plumas Bancorp (PLBC) Earnings & Revenues
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 10 | 5 | 7 |
| Technical Analysis | 4 | 5 | 1 |
| Moving Averages | 6 | 0 | 6 |










