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Plumas Bancorp
(NASDAQ:PLBC)
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Rating:74Outperform
Price Target:
$69.00
▲(32.06% Upside)
Action:Reiterated
Date:07/17/26
The score is driven primarily by solid financial performance (strong profitability but softer recent cash-flow momentum) and bullish technicals (clear uptrend, though overbought signals raise near-term risk). Reasonable valuation and a continued dividend provide additional support, while recent corporate events are modestly positive.
Positive Factors
Sustained net margins
Plumas reports healthy net margins (~27% in 2025 and TTM), indicating durable earnings power for a regional bank. Sustained margins provide a recurring profitability buffer to absorb credit losses and fund operations, supporting stable core earnings and shareholder distributions over months.
Negative Factors
Weakened free cash flow
Free cash flow declined materially (~36% TTM) and has been volatile historically (turned negative in 2021). Lower and volatile FCF reduces internal funding for loan growth, technology, or capital returns and weakens the company’s buffer against rising credit costs or tougher funding conditions.
Read all positive and negative factors
Positive Factors
Negative Factors
Sustained net margins
Plumas reports healthy net margins (~27% in 2025 and TTM), indicating durable earnings power for a regional bank. Sustained margins provide a recurring profitability buffer to absorb credit losses and fund operations, supporting stable core earnings and shareholder distributions over months.
Read all positive factors
Plumas Bancorp (PLBC) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$428.05M
Dividend Yield2.07%
Average Volume (3M)17.14K
Price to Earnings (P/E)11.8
Beta (1Y)0.49
Revenue Growth32.78%
EPS Growth4.54%
CountryUS
Employees232
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)4.75
Shares Outstanding6,968,136
10 Day Avg. Volume24,475
30 Day Avg. Volume17,135
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$66.33Price Target Upside26.95% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering3
EPS Forecast (FY)5.63
Revenue Forecast (FY)$113.69M
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 makes money primarily through its banking subsidiary by (1) earning interest and fees on loans and other interest-earning assets and (2) generating noninterest income from fees and service charges.
1) Net interest income (core earn...
Plumas Bancorp Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
72
Positive
Cash Flow
58
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 120.62M | 108.25M | 72.86M | 84.89M | 70.53M | 56.50M |
| Gross Profit | 98.30M | 87.52M | 61.03M | 77.32M | 67.98M | 54.24M |
| EBITDA | 46.24M | 42.43M | 40.50M | 41.88M | 37.57M | 30.16M |
| Net Income | 32.20M | 29.62M | 28.62M | 29.78M | 26.44M | 21.01M |
Balance Sheet | ||||||
| Total Assets | 2.20B | 2.24B | 1.62B | 1.61B | 1.62B | 1.61B |
| Cash, Cash Equivalents and Short-Term Investments | 532.61M | 469.33M | 519.75M | 574.84M | 628.13M | 686.50M |
| Total Debt | 144.17M | 147.90M | 61.83M | 116.06M | 28.93M | 27.59M |
| Total Liabilities | 1.93B | 1.98B | 1.45B | 1.46B | 1.50B | 1.48B |
| Stockholders Equity | 265.39M | 261.08M | 177.90M | 147.32M | 119.00M | 134.08M |
Cash Flow | ||||||
| Free Cash Flow | 22.22M | 20.28M | 29.83M | 36.06M | 53.86M | -9.35M |
| Operating Cash Flow | 23.49M | 21.59M | 30.51M | 38.34M | 56.88M | -8.42M |
| Investing Cash Flow | 83.77M | 70.32M | 10.25M | -90.55M | -270.77M | -79.81M |
| Financing Cash Flow | -131.71M | -93.31M | -44.39M | -45.56M | 16.72M | 283.90M |
Plumas Bancorp Technical Analysis
Positive
52.25
Price Trends
55.86
Positive
52.93
Positive
48.87
Positive
Market Momentum
1.52
Negative
65.42
Neutral
65.69
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 below the 20-day moving average (MA) of 59.21, below the 50-day MA of 55.86, and above the 200-day MA of 48.87, indicating a bullish trend. The MACD of 1.52 indicates Negative momentum. The RSI at 65.42 is Neutral, neither overbought nor oversold. The STOCH value of 65.69 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 |
|---|---|---|---|---|---|---|---|
76 Outperform | $479.19M | 11.69 | 13.31% | 1.66% | 7.75% | 217.94% | |
75 Outperform | $356.96M | 8.61 | 11.89% | 3.38% | 3.42% | 38.40% | |
75 Outperform | $324.15M | 11.64 | 10.57% | ― | 5.31% | -4.10% | |
74 Outperform | $428.05M | 11.77 | 13.34% | 2.63% | 32.78% | 4.54% | |
68 Neutral | $385.41M | 10.29 | 13.08% | 5.24% | 5.29% | 28.67% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $399.30M | 8.37 | 11.47% | 3.06% | 9.62% | 1059.18% |
* Financial Sector Average
PLBC
Plumas Bancorp
60.66
19.66
47.96%
FNLC
First Bancorp
33.99
10.37
43.87%
FRST
Primis Financial
15.69
4.37
38.65%
BWFG
Bankwell Financial Group
60.57
24.29
66.95%
CZFS
Citizens Financial Services
71.50
15.09
26.76%
COSO
CoastalSouth Bancshares
26.62
5.63
26.85%
Plumas Bancorp Corporate Events
Dividends
Plumas Bancorp Declares Quarterly Cash Dividend for Shareholders
Positive
Jul 17, 2026
On July 15, 2026 Plumas Bancorp’s Board of Directors declared a quarterly cash dividend of $0.33 per common share, marking a continuation of the bank’s practice of returning capital to shareholders. The dividend is scheduled to be paid...
Executive/Board ChangesShareholder Meetings
Plumas Bancorp Shareholders Back Board, Pay and Auditor
Positive
May 21, 2026
At its May 20, 2026 annual meeting, Plumas Bancorp shareholders elected ten directors to the board for terms running until the 2027 annual meeting, although director Kenneth E. Robison resigned for personal reasons immediately after the meeting. I...
Executive/Board Changes
Plumas Bancorp Appoints New Principal Accounting Officer
Neutral
Apr 27, 2026
On April 27, 2026, Plumas Bancorp appointed 32-year-old Kelsey Cassinelli as its Principal Accounting Officer, bringing her in from KPMG US LLP, where she has worked since 2016 and most recently served as a Senior Audit Manager since April 2024. S...
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.