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Plumas Bancorp
(NASDAQ:PLBC)
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Rating:77Outperform
Price Target:
$72.00
▲(17.67% Upside)
Action:Reiterated
Date:10/23/26
PLBC scores well primarily on financial performance, driven by strong profitability and solid cash generation with improving leverage. Technical indicators are supportive with price above key moving averages and moderate momentum. Valuation is reasonable with a moderate P/E and a stable dividend yield, while the recent corporate event (dividend declaration) is positive but incremental.
Positive Factors
Resilient profitability and growth
Strong profitability and renewed revenue growth indicate that Plumas Bancorp is converting its regional banking franchise into meaningful earnings. A roughly 27% net margin provides internal funding for technology, lending growth, and shareholder distributions while supporting resilience through normal business cycles.
Negative Factors
Margin normalization and uneven growth
Although profitability remains strong, normalization from unusually high margins means future earnings may not grow at the pace suggested by prior peak periods. Uneven revenue performance, including a prior decline, also indicates that results remain exposed to changing banking and economic conditions.
Read all positive and negative factors
Positive Factors
Negative Factors
Resilient profitability and growth
Strong profitability and renewed revenue growth indicate that Plumas Bancorp is converting its regional banking franchise into meaningful earnings. A roughly 27% net margin provides internal funding for technology, lending growth, and shareholder distributions while supporting resilience through normal business cycles.
Read all positive factors
Plumas Bancorp (PLBC) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$435.15M
Dividend Yield2.05%
Average Volume (3M)51.88K
Price to Earnings (P/E)12.2
Beta (1Y)0.37
Revenue Growth24.22%
EPS Growth39.38%
CountryUS
Employees234
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)5.11
Shares Outstanding6,959,016
10 Day Avg. Volume52,604
30 Day Avg. Volume51,880
Financial Highlights & Ratios
PEG Ratio-1.88
Price to Book (P/B)1.10
Price to Sales (P/S)2.66
P/FCF Ratio14.19
Enterprise Value/Market Cap0.98
Enterprise Value/Revenue3.25
Enterprise Value/Gross Profit3.98
Enterprise Value/Ebitda7.70
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)5.77
Revenue Forecast (FY)$115.11M
Plumas Bancorp Business Overview & Revenue Model
Company Description
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 busine...
How the Company Makes Money
Plumas Bancorp primarily makes money through its banking subsidiary by earning interest and fees associated with traditional banking activities.
1) Net interest income (core earnings driver): The bank accepts deposits and other funding and uses t...
Plumas Bancorp Financial Statement Overview
Summary
Income Statement
82
Very Positive
Balance Sheet
76
Positive
Cash Flow
79
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 130.74M | 108.25M | 72.86M | 84.89M | 70.53M | 56.50M |
| Gross Profit | 106.77M | 87.52M | 61.03M | 77.32M | 67.98M | 54.24M |
| EBITDA | 55.19M | 42.43M | 40.50M | 41.88M | 37.57M | 30.16M |
| Net Income | 35.84M | 29.62M | 28.62M | 29.78M | 26.44M | 21.01M |
Balance Sheet | ||||||
| Total Assets | 2.28B | 2.24B | 1.62B | 1.61B | 1.62B | 1.61B |
| Cash, Cash Equivalents and Short-Term Investments | 601.54M | 469.33M | 519.75M | 574.84M | 628.13M | 686.50M |
| Total Debt | 103.64M | 147.90M | 61.83M | 116.06M | 28.93M | 27.59M |
| Total Liabilities | 2.01B | 1.98B | 1.45B | 1.46B | 1.50B | 1.48B |
| Stockholders Equity | 272.13M | 261.08M | 177.90M | 147.32M | 119.00M | 134.08M |
Cash Flow | ||||||
| Free Cash Flow | 31.73M | 20.28M | 29.83M | 36.06M | 53.86M | -9.35M |
| Operating Cash Flow | 33.11M | 21.59M | 30.51M | 38.34M | 56.88M | -8.42M |
| Investing Cash Flow | 76.25M | 70.32M | 10.25M | -90.55M | -270.77M | -79.81M |
| Financing Cash Flow | -53.08M | -93.31M | -44.39M | -45.56M | 16.72M | 283.90M |
Plumas Bancorp Technical Analysis
Positive
61.19
Price Trends
62.01
Positive
60.09
Positive
54.93
Positive
Market Momentum
0.13
Negative
59.19
Neutral
59.77
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 61.19 is below the 20-day moving average (MA) of 61.86, below the 50-day MA of 62.01, and above the 200-day MA of 54.93, indicating a bullish trend. The MACD of 0.13 indicates Negative momentum. The RSI at 59.19 is Neutral, neither overbought nor oversold. The STOCH value of 59.77 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 31 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 |
|---|---|---|---|---|---|---|---|
77 Outperform | $435.15M | 12.24 | 15.86% | 2.05% | 24.22% | 39.38% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $246.49M | 13.15 | 11.13% | ― | 20.00% | -8.28% | |
67 Neutral | $440.94M | 23.34 | 4.62% | 0.72% | ― | ― | |
66 Neutral | $442.01M | 10.10 | 8.34% | 2.43% | 4.40% | 74.44% | |
66 Neutral | $459.67M | 17.37 | 10.27% | 4.37% | 18.97% | -14.99% | |
62 Neutral | $445.66M | 25.63 | 5.22% | ― | 16.32% | -16.91% |
* Financial Sector Average
PLBC
Plumas Bancorp
63.49
23.16
57.41%
CZNC
Citizens & Northern
26.64
8.35
45.69%
RBB
Rbb Bancorp
26.52
8.09
43.86%
PBFS
Pioneer Bancorp
18.39
5.27
40.17%
GBFH
GBank Financial Holdings
17.50
-21.62
-55.27%
AVBC
Avidia Bancorp, Inc.
22.35
7.89
54.52%
Plumas Bancorp Corporate Events
Dividends
Plumas Bancorp Declares Quarterly Cash Dividend for Shareholders
Positive
Oct 22, 2026
On October 21, 2026 Plumas Bancorp’s Board of Directors declared a quarterly cash dividend of $0.33 per common share, continuing its practice of regular shareholder distributions. The dividend is scheduled to be paid on November 17, 2026 to ...
Executive/Board Changes
Plumas Bancorp Announces CFO Retirement and Successor Appointment
Neutral
Oct 22, 2026
On October 22, 2026, Plumas Bancorp announced that longtime Executive Vice President and Chief Financial Officer Richard Belstock will retire from the CFO role effective January 1, 2027, after serving in the position since 2011. He will remain wit...
Business Operations and StrategyRegulatory Filings and Compliance
Plumas Bancorp Issues Investor Slide Presentation Disclosure
Neutral
Oct 21, 2026
Plumas Bancorp disclosed that it has prepared a new slide presentation, dated October 21, 2026, for use in future investor meetings, clarifying that the materials are furnished rather than formally filed under federal securities laws. The company ...
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.