Plumas Bancorp (PLBC) AI Stock Analysis

• Market Cap: $292.75M
• Dividend Yield: 2.78%
• Average Volume (3M): 17.01K
• Price to Earnings (P/E): 8.7
• Beta (1Y): 0.42
• Revenue Growth: 6.48%
• EPS Growth: 1.42%
• Country: US
• Employees: 183
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 1.05
• Shares Outstanding: 6,947,124
• 10 Day Avg. Volume: 13,243
• 30 Day Avg. Volume: 17,006
• PEG Ratio: -2.15
• Price to Book (P/B): 1.57
• Price to Sales (P/S): 3.82
• P/FCF Ratio: 9.34
• Enterprise Value/Market Cap: 0.83
• Enterprise Value/Revenue: 2.57
• Enterprise Value/Gross Profit: 2.89
• Enterprise Value/Ebitda: 5.88
• 1Y Price Target: $64.00
• Price Target Upside: 52.09% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1

• Rating: 64 Neutral
• Price Target: $46.00 ▲(9.32% Upside)

Plumas Bancorp's overall stock score reflects strong profitability and attractive valuation, offset by challenges in revenue growth and cash flow. Technical indicators suggest potential short-term volatility, but the stock's low P/E ratio and dividend yield make it appealing for value investors.

Positive Factors

Profitability

High profit margins and a stable balance sheet indicate operational efficiency and financial health, supporting long-term sustainability.

Leverage Position

A low debt-to-equity ratio suggests prudent financial management, reducing risk and enhancing financial stability over time.

Capital Structure

A solid capital structure with a healthy equity ratio enhances the company's ability to withstand economic fluctuations and invest in growth.

Negative Factors

Revenue Growth Challenges

A significant decline in revenue growth can hinder the company's ability to expand and compete effectively, impacting long-term prospects.

Cash Flow Generation

Declining cash flow growth may limit the company's ability to fund operations and investments, affecting future growth and financial flexibility.

Operating Cash Flow

A low operating cash flow to net income ratio suggests potential inefficiencies in converting income into cash, which could impact liquidity and operational resilience.

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 accepts various deposits, such as checking, money market checking, business sweep, public funds sweep, savings, time deposit, and retirement accounts. Its loan portfolio includes term real estate, commercial, and industrial term loans; government-guaranteed and agricultural loans, as well as credit lines; consumer, automobile, and home equity loans; land development and construction loans; and small business administration loans. The company also provides remote deposit, telephone and mobile banking, internet banking with bill-pay options, cashier's check, bank-by-mail, automated teller machine, night depository, safe deposit box, direct deposit, electronic funds transfer, and other customary banking services. As of February 28, 2022, it operated 14 full-service branches and 3 lending offices. Plumas Bancorp was incorporated in 1980 and is headquartered in Reno, Nevada.

How the Company Makes Money

Plumas Bancorp generates revenue primarily through interest income from loans and investments. The bank provides various loan products such as commercial loans, residential mortgages, and consumer loans, which are a significant source of interest income as borrowers repay these loans over time with interest. Additionally, the company earns non-interest income through service fees, transaction charges, and investment services. The bank also benefits from maintaining a diverse deposit base, which helps manage its funding costs and supports its lending activities. Strategic partnerships with local businesses and real estate developers further enhance its lending opportunities, thereby contributing to its overall earnings.

Plumas Bancorp Financial Statement Overview

Summary

Plumas Bancorp demonstrates strong financial health with significant revenue and profit growth, solid margins, and effective equity utilization. Its conservative leverage approach further strengthens its financial stability. However, slight declines in EBITDA margin and free cash flow growth highlight areas for potential improvement.

Income Statement

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

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

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.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	94.31M	72.86M	84.89M	70.53M	56.50M	47.86M
Gross Profit	83.76M	61.03M	77.32M	67.98M	54.24M	43.45M
EBITDA	41.18M	40.50M	41.88M	37.57M	29.91M	21.38M
Net Income	29.08M	28.62M	29.78M	26.44M	21.01M	14.47M
Balance Sheet
Total Assets	1.63B	1.62B	1.61B	1.62B	1.61B	1.11B
Cash, Cash Equivalents and Short-Term Investments	518.94M	519.75M	574.84M	628.13M	686.50M	364.52M
Total Debt	54.46M	61.83M	116.06M	28.93M	27.59M	29.19M
Total Liabilities	1.44B	1.45B	1.46B	1.50B	1.48B	1.01B
Stockholders Equity	193.08M	177.90M	147.32M	119.00M	134.08M	100.15M
Cash Flow
Free Cash Flow	25.38M	29.83M	36.06M	53.86M	-9.35M	23.02M
Operating Cash Flow	25.84M	30.51M	38.34M	56.88M	-8.42M	24.63M
Investing Cash Flow	-8.72M	10.25M	-90.55M	-270.77M	-79.81M	-114.40M
Financing Cash Flow	-47.70M	-44.39M	-45.56M	16.72M	283.90M	227.74M

Plumas Bancorp Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 42.08
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For PLBC, the sentiment is Negative. The current price of 42.08 is below the 20-day moving average (MA) of 43.09, below the 50-day MA of 42.70, and below the 200-day MA of 43.36, indicating a bearish trend. The MACD of -0.37 indicates Positive momentum. The RSI at 37.88 is Neutral, neither overbought nor oversold. The STOCH value of 15.61 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for PLBC.

Plumas Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
BWFG	76 Outperform	$340.52M	16.76	7.29%	1.86%	0.75%	-12.45%
FNLC	68 Neutral	$280.71M	9.66	11.76%	5.83%	12.08%	9.69%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
CZFS	67 Neutral	$270.07M	8.53	10.53%	3.52%	2.41%	15.34%
PLBC	64 Neutral	$292.75M	8.68	16.24%	2.78%	6.48%	1.42%
FRST	53 Neutral	$262.20M	88.67	0.79%	3.79%	14.96%	―

Plumas Bancorp Corporate Events

Plumas Bancorp Enters Indemnification Agreements for New Board Member

On August 25, 2025, Plumas Bancorp and its subsidiary, Plumas Bank, entered into indemnification agreements for Ken Robison, who joined the Board on July 1, 2025, following the acquisition of Cornerstone Community Bancorp. These agreements ensure the company will indemnify directors and executive officers and cover expenses as allowed by law, enhancing their protection and aligning with corporate governance practices.

The most recent analyst rating on (PLBC) stock is a Buy with a $47.00 price target. To see the full list of analyst forecasts on Plumas Bancorp stock, see the PLBC Stock Forecast page.

Plumas Bancorp Enhances Executive Severance Agreements

On August 22, 2025, Plumas Bancorp and Plumas Bank entered into revised Change in Control Agreements with several of its executives, enhancing severance benefits from 12 to 18 months of base salary in the event of termination under specific conditions following a change in control. These agreements, effective until December 31, 2028, with automatic renewals, aim to secure executive stability and prevent misappropriation of company secrets, potentially impacting the company’s operational continuity and stakeholder confidence.

The most recent analyst rating on (PLBC) stock is a Buy with a $47.00 price target. To see the full list of analyst forecasts on Plumas Bancorp stock, see the PLBC Stock Forecast page.

Plumas Bancorp Enters Change in Control Agreements

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.

Plumas Bancorp Appoints New Chief Banking Officer

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.

Plumas Bancorp Declares Quarterly Cash Dividend

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.