Plumas Bancorp (PLBC) Stock Analysis
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Plumas Bancorp (PLBC) trades at $61.01 with AI Score 83/100 (Grade A+). Plumas Bancorp operates as the bank holding company for Plumas Bank, providing banking products and services to small and middle-market businesses and… Market cap: $425M, Sector: Financial services.
Price as of Jul 23, 2026 · Last analyzed: May 10, 2026Analyst Coverage for PLBC: PLBC does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates PLBC against Financial Services peers across nine fundamental dimensions and assigns a relatively strong fundamental profile based on the underlying data.
PLBC: 2/3 scored disciplines lean bullish. Dominant signal: Ray Dalio bullish.
How is this calculated? →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?
Plumas Bancorp presents a compelling investment case based on its strong regional presence, diversified loan portfolio, and consistent profitability. With a P/E ratio of 11.29 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 $425M, reflecting its position as a smaller regional bank.
- P/E Ratio of 11.29, 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.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| FFWM First Foundation Inc. | $5.90 | +2.43% | $490M | 59 |
| BOKF BOK Financial Corporation | $141.22 | -0.23% | $8.58B | 93 |
| CASH Pathward Financial, Inc. | $83.12 | -6.26% | $1.75B | 91 |
| PCB PCB Bancorp | $28.86 | -0.81% | $411M | 93 |
| FNLC The First Bancorp, Inc. | $33.99 | +0.27% | $383M | 92 |
| PDLB Ponce Financial Group, Inc. | $19.91 | -0.50% | $482M | 92 |
| NECB Northeast Community Bancorp, Inc. | $26.45 | +0.15% | $366M | 92 |
| OBT Orange County Bancorp, Inc. | $37.24 | +0.13% | $499M | 92 |
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 0.67 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 Opportunities Does PLBC Have?
- Expansion within existing markets by increasing market share.
- Investment in digital banking platforms to enhance customer experience.
- Strategic partnerships with local businesses and community organizations.
- Diversification of loan portfolio to include specialized lending products.
What Threats Does PLBC Face?
- Competition from larger regional and national banks.
- Regulatory scrutiny and compliance costs.
- Economic downturns in its operating region.
- Cybersecurity risks and data breaches.
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.
ROE 14%Key Financial Metrics
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 11.87, below the Financial Services sector average of ~18x. Its free cash flow yield is 5.2%, 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 8.4%, the inverse of the P/E and a quick read on earnings relative to price.
Plumas Bancorp (PLBC) Valuation Context
Valued at $425M, PLBC is classified as a small-cap stock. Relative to its peer group, PLBC's quantitative score of 83/100 is roughly in line with the peer average of 86/100.
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 Michonne R. Ascuaga. PLBC has traded publicly since 2002.
F-Score 5/9Financial Health
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 0.67 places it in the distress zone, a signal of elevated financial risk.
FY2026 estForward Outlook
Wall Street analysts project Plumas Bancorp revenue of about $115.1M for fiscal 2026, with EPS near $5.77.
PLBC Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Recent insider buying signals confidence in Plumas Bancorp's future, suggesting that leadership sees potential upside.
- Community sentiment has shifted positively, with discussions highlighting the bank's strong local presence and customer loyalty.
- Analysts are noting the bank's strategic focus on expanding its loan portfolio, which could drive growth in the coming quarters.
- Market perception is buoyed by a stable economic environment in its operating regions, fostering optimism among investors.
Bear Case
- Concerns over rising interest rates could impact the bank's profitability, leading to cautious sentiment among some investors.
- Recent community discussions have raised red flags about potential credit risk as economic conditions fluctuate.
- Competition in the regional banking sector is intensifying, which may pressure Plumas Bancorp's market share and margins.
- Some analysts highlight a lack of diversification in revenue streams, making the bank vulnerable to sector-specific downturns.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
PLBC Latest News
No recent news available for PLBC.
PLBC Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for PLBC.
Price Targets
Wall Street price target analysis for PLBC.
PLBC MoonshotScore
What does this score mean?
The MoonshotScore rates PLBC 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: Michonne R. Ascuaga
CEO
Michonne R. Ascuaga serves as the CEO of Plumas Bancorp, bringing extensive experience in the financial services industry. Her career spans over two decades, with a focus on community banking and regional development. Prior to joining Plumas Bancorp, Ascuaga held leadership positions at several regional banks, where she oversaw strategic planning, risk management, and business development. She holds a degree in Finance from the University of Nevada, Reno, and has completed executive education programs at Harvard Business School.
Track Record: Under Michonne R. Ascuaga's leadership, Plumas Bancorp has achieved consistent growth in assets and profitability. She has spearheaded initiatives to enhance customer experience, expand the bank's digital presence, and strengthen its community partnerships. Ascuaga has also focused on fostering a culture of innovation and employee engagement, contributing to the bank's reputation as a trusted financial partner in the region.
Plumas Bancorp Financial Services Stock: Key Questions Answered
What does the AI Score mean for PLBC?
PLBC holds an AI Score of 83/100 (Grade: A+). This is an educational research signal, not a buy or sell recommendation. Plumas Bancorp operates as the bank holding company for Plumas Bank, providing banking products and services to small and middle-market businesses and individuals. The company focuses …
What does Plumas Bancorp do?
Plumas Bancorp, through its subsidiary Plumas Bank, provides a range of banking and financial services to small and middle-market businesses and individuals in Northeastern California and Northwestern Nevada. The bank offers deposit accounts, commercial and industrial loans, real estate loans, consumer loans, and wealth management services.
What do analysts say about PLBC stock?
Analyst coverage of Plumas Bancorp (PLBC) is limited, reflecting its smaller market capitalization and regional focus. However, analysts generally view the stock favorably, citing its strong regional presence, diversified loan portfolio, and consistent profitability. Key valuation metrics include a P/E ratio of 11.29 and a dividend yield of 2.42%.
What are the main risks for PLBC?
Plumas Bancorp faces several risks, including interest rate fluctuations, increased competition, economic downturns, regulatory scrutiny, and cybersecurity threats. Rising interest rates can negatively impact the bank's net interest margin, while increased competition from larger regional and national banks can erode its market share. Economic downturns in its operating region can lead to loan defaults and reduced profitability.
How is Plumas Bancorp adapting to fintech disruption?
Plumas Bancorp is adapting to fintech disruption by investing in digital banking platforms and mobile banking solutions to enhance customer experience and attract younger demographics. The bank offers online account opening, mobile check deposit, and personalized financial advice through its digital channels. Plumas Bancorp is also exploring partnerships with fintech companies to offer innovative financial products and services.
How does Plumas Bancorp make money in financial services?
Plumas Bancorp generates revenue primarily through interest income from loans and fees from banking services. The bank earns interest income from its loan portfolio, which includes commercial and industrial loans, real estate loans, consumer loans, and government-guaranteed loans.
What are the key factors to evaluate for PLBC?
Plumas Bancorp (PLBC) holds an AI score of 83/100 (high). Not financial advice.
How frequently does PLBC data refresh on this page?
PLBC's price was last updated on Jul 23, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven PLBC's recent stock price performance?
Plumas Bancorp (PLBC) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong regional presence in Northeastern California and Northwestern Nevada. See the News tab for the latest drivers. Past performance does not predict future results.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Financial data is based on the most recent available information.
- Analyst opinions may vary.
- Investment decisions should be based on individual risk tolerance and financial goals.