Plumas Bancorp (PLBC) Stock Analysis

Why this analysis is different

• A sector-relative MoonshotScore — five pillars (business quality, financial safety, valuation, growth durability, momentum) re-ranked nightly against the full universe of US-listed common stocks.
• An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
• Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.

Plumas Bancorp (PLBC) Financial Services Profile

Plumas Bancorp, a regional bank holding company, provides financial services to small and middle-market businesses and individuals in Northeastern California and Northwestern Nevada. With a focus on community banking, Plumas Bancorp distinguishes itself through personalized service and a diverse portfolio of deposit and loan products, operating 14 full-service branches.

What Is the Investment Thesis for PLBC?

With a P/E ratio of 12.13 and a profit margin of 26.7%, the company demonstrates financial stability and efficient operations. The dividend yield of 2.42% offers an attractive income stream for investors. Growth catalysts include expansion within its existing markets and strategic deployment of technology to enhance customer experience. However, potential risks include interest rate sensitivity and competition from larger regional and national banks. The company's beta of 0.58 suggests lower volatility compared to the broader market, making it a potentially stable investment in a fluctuating economic environment. Successful execution of its growth strategies and effective risk management are crucial for sustained value creation.

Based on FMP financials and quantitative analysis

PLBC Key Highlights

Market Cap of $433M, reflecting its position as a smaller regional bank.

• P/E Ratio of 12.13, indicating a potentially undervalued stock compared to its earnings.
• Profit Margin of 26.7%, showcasing efficient operations and profitability.
• Gross Margin of 81.5%, highlighting the bank's ability to manage its cost of services effectively.
• Dividend Yield of 2.42%, providing a steady income stream for investors.

Who Are PLBC's Competitors?

PLBC is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.

AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance

What Are PLBC's Key Strengths?

Strong regional presence in Northeastern California and Northwestern Nevada.

• Diversified loan portfolio and deposit base.
• Experienced management team.
• Commitment to personalized service and community involvement.

What Are PLBC's Weaknesses?

Limited geographic reach compared to larger regional banks.

• Dependence on interest income, making it vulnerable to interest rate fluctuations.
• Smaller market capitalization, potentially limiting access to capital markets.
• Exposure to economic conditions in its operating region.

What Could Drive PLBC Stock Higher?

Implementation of new digital banking platform to enhance customer experience.

• Expansion of branch network within existing markets.
• Strategic partnerships with local businesses and community organizations.
• Diversification of loan portfolio to include specialized lending products.

What Are the Key Risks for PLBC?

Financial-distress signal — its Altman Z-Score of 0.68 sits in the distress zone (elevated bankruptcy risk).

• Interest rate fluctuations impacting net interest margin.
• Increased competition from larger regional and national banks.
• Economic downturns in its operating region.
• Regulatory scrutiny and compliance costs.
• Cybersecurity risks and data breaches.

What Are the Growth Opportunities for PLBC?

• Expansion within Existing Markets: Plumas Bancorp can capitalize on its established presence in Northeastern California and Northwestern Nevada by expanding its branch network and increasing its market share. Focusing on underserved communities and tailoring financial products to local needs can drive customer acquisition and loan growth. The market size for community banking in these regions is estimated to be $5 billion, offering significant growth potential. Timeline: Ongoing.
• Digital Transformation: Investing in digital banking platforms and mobile banking solutions can enhance customer experience and attract younger demographics. Offering online account opening, mobile check deposit, and personalized financial advice can improve customer engagement and loyalty. The market for digital banking services is projected to reach $10 billion by 2028, presenting a substantial opportunity for Plumas Bancorp. Timeline: Ongoing.
• Strategic Partnerships: Collaborating with local businesses and community organizations can strengthen Plumas Bancorp's brand reputation and generate new business opportunities. Partnering with real estate developers, agricultural businesses, and non-profit organizations can provide access to new customer segments and drive loan growth. The market for community partnerships is estimated to be $2 billion, offering a valuable avenue for expansion. Timeline: Ongoing.
• Loan Portfolio Diversification: Expanding its loan portfolio to include specialized lending products, such as renewable energy loans and affordable housing loans, can attract new customers and mitigate risk. Focusing on niche markets with high growth potential can enhance profitability and differentiate Plumas Bancorp from its competitors. The market for specialized lending products is projected to reach $5 billion by 2027, providing a significant growth opportunity. Timeline: Ongoing.
• Wealth Management Services: Offering wealth management and financial planning services can generate fee income and enhance customer relationships. Providing personalized investment advice, retirement planning, and estate planning services can attract high-net-worth individuals and families. The market for wealth management services is estimated to be $8 billion, presenting a valuable opportunity for Plumas Bancorp to diversify its revenue streams. Timeline: Ongoing.

What Are PLBC's Competitive Advantages?

• Strong regional presence and local market knowledge.
• Long-standing relationships with customers and communities.
• Diversified loan portfolio and deposit base.
• Commitment to personalized service and community involvement.

What Does PLBC Do?

Plumas Bancorp, incorporated in 1980 and headquartered in Reno, Nevada, serves as the bank holding company for Plumas Bank. The bank offers a comprehensive suite of banking products and services tailored to small and middle-market businesses, as well as individual clients across Northeastern California and Northwestern Nevada. Plumas Bank accepts a variety of deposits, including checking, money market checking, business sweep, public funds sweep, savings, time deposit, and retirement accounts. Its loan portfolio is diverse, encompassing term real estate, commercial, and industrial term loans, government-guaranteed and agricultural loans, credit lines, consumer, automobile, and home equity loans, land development and construction loans, and Small Business Administration (SBA) loans. Beyond traditional banking services, Plumas Bank provides modern conveniences such as remote deposit, telephone and mobile banking, internet banking with bill-pay options, cashier's checks, bank-by-mail, automated teller machines, night depositories, safe deposit boxes, direct deposit, and electronic funds transfer. As of February 28, 2022, Plumas Bancorp operated 14 full-service branches and 3 lending offices, emphasizing its commitment to local communities. The bank's operational strategy focuses on building long-term relationships with its clients, providing tailored financial solutions, and supporting local economic growth within its operational footprint.

What Products and Services Does PLBC Offer?

• Accepts deposits, including checking, savings, and time deposit accounts.
• Provides commercial and industrial loans to small and middle-market businesses.
• Offers real estate loans for residential and commercial properties.
• Extends consumer loans, including auto and home equity loans.
• Provides government-guaranteed loans and agricultural loans.
• Offers online and mobile banking services.
• Provides wealth management and financial planning services.

How Does PLBC Make Money?

• Generates revenue through interest income from loans.
• Earns fees from deposit accounts and other banking services.
• Provides wealth management and financial planning services for a fee.
• Manages risk through diversification of loan portfolio and adherence to regulatory guidelines.

What Industry Does PLBC Operate In?

Plumas Bancorp operates within the regional banking sector, which is characterized by intense competition and evolving customer expectations. The industry is undergoing digital transformation, with fintech companies and larger national banks investing heavily in technology to enhance customer experience and streamline operations. Plumas Bancorp's focus on personalized service and local market knowledge provides a competitive advantage, but it must continue to adapt to technological advancements to remain competitive. The regional banking sector is also subject to regulatory scrutiny and interest rate fluctuations, which can impact profitability and growth.

Who Are PLBC's Key Customers?

• Small and middle-market businesses in Northeastern California and Northwestern Nevada.
• Individual consumers seeking personal banking services.
• Agricultural businesses requiring specialized financing.
• High-net-worth individuals seeking wealth management services.

Plumas Bancorp (PLBC) Valuation Context

Valued at $433M, PLBC is classified as a small-cap stock. Analyst price targets span from $64.00 to $69.00, with a consensus of $66.33. At the current price of $62.24, that implies approximately 7% upside potential. Relative to its peer group, PLBC's quantitative score of 84/100 is roughly in line with the peer average of 91/100.

PLBC Revenue & Earnings Trend

In Q2 FY2026, PLBC generated $33.1M in top-line revenue, marking a sequential increase of 2.3%. The company recorded net income of $10.0M, with diluted EPS of $1.41. Quarter-over-quarter revenue has been mixed, typical for a small-cap company operating in Financial Services. Across the four most recent quarters, PLBC averaged $1.29 in diluted EPS.

Company Profile

Plumas Bancorp operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Reno, US. The company is led by CEO Andrew J. Ryback. PLBC has traded publicly since 2002.

Return on equity for Plumas Bancorp stands at 13.7%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.6%, showing how much profit it generates from its asset base. PLBC trades at a trailing price-to-earnings ratio of 12.13, below the Financial Services sector average of ~17.50x. Its free cash flow yield is 7.4%, a gauge of the cash the business throws off relative to its market value. A current ratio of 10.16 indicates the company holds enough short-term assets to cover its near-term obligations. Its earnings yield is 8.3%, the inverse of the P/E and a quick read on earnings relative to price.

Plumas Bancorp's Piotroski F-Score is 5/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.68 places it in the distress zone, a signal of elevated financial risk.

Plumas Bancorp has beaten Wall Street's EPS estimate in 7 of its last 8 reported quarters — a consistent record of delivering on expectations. Reported results have landed about 6.6% above estimates on average.

Over the past six months, Plumas Bancorp insiders filed 11 SEC Form 4 transactions — 5 sales and 6 purchases. On net that is roughly 690 shares disposed (about $48K), a signal worth weighing alongside the fundamentals.

PLBC Financials

PLBC Latest News

PLBC Analyst Consensus

PLBC MoonshotScore

Plumas Bancorp Financial Services Stock: Key Questions Answered

Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.

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