(PLBC) Plumas Bancorp - NASDAQ
Sector: Financial Services | Industry: Banks - Regional | Exchange: NASDAQ (USA) | Market Cap: 388m USD | Total Return: 37% in 12m
Avg Turnover: 3.26M
EPS Trend: -59.8%
Qual. Beats: 0
Rev. Trend: 72.3%
Qual. Beats: 0
Warnings
Share dilution 17.8% YoY
Tailwinds
No distinct edge detected
Plumas Bancorp (PLBC) is a financial holding company for Plumas Bank, a regional institution headquartered in Reno, Nevada. Founded in 1980, the company focuses on serving small to middle-market businesses and individual clients through a suite of deposit and lending products. Its portfolio includes commercial, agricultural, and government-guaranteed loans, alongside traditional consumer services such as residential mortgages and home equity lines of credit.
As a regional bank, Plumas Bancorp relies heavily on the net interest margin, which is the spread between interest earned on loans and interest paid on deposits. The company utilizes a community-focused business model, leveraging localized credit expertise to manage a diverse loan book that includes land development and Small Business Administration (SBA) loans. Regional banks in this category often face higher sensitivity to local economic conditions and interest rate fluctuations compared to national money-center banks.
To better understand the companys valuation and growth metrics, you may want to examine the detailed financial data available on ValueRay.
In addition to core banking, the company provides digital infrastructure such as mobile banking and the FedNow®-receive Service to maintain competitiveness in the evolving fintech landscape. Plumas Bancorp has been publicly traded on the NASDAQ since 2005 and currently operates within the small-cap segment of the financial sector.
- Net interest margin fluctuates with Federal Reserve interest rate policy
- SBA loan volume and secondary market premiums drive non-interest income
- Agricultural and commercial real estate concentration increases credit risk exposure
- Northern California and Nevada economic growth dictates loan demand trends
| Net Income: 32.2m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.72 > 1.0 |
| NWC/Revenue: -1.07k% < 20% (prev -1.32k%; Δ 253.0% < -1%) |
| CFO/TA 0.01 > 3% & CFO 23.5m > Net Income 32.2m |
| Net Debt (-359.7m) to EBITDA (46.2m): -7.78 < 3 |
| Current Ratio: 0.33 > 1.5 & < 3 |
| Outstanding Shares: last quarter (7.07m) vs 12m ago 17.84% < -2% |
| Gross Margin: 81.49% > 18% (prev 88.62%; Δ -7.13% > 0.5%) |
| Asset Turnover: 6.29% > 50% (prev 5.78%; Δ 0.51% > 0%) |
| Interest Coverage Ratio: 2.66 > 6 (EBIT TTM 42.7m / Interest Expense TTM 16.1m) |
| A: -0.58 (Total Current Assets 620.9m - Total Current Liabilities 1.91b) / Total Assets 2.20b |
| B: 0.09 (Retained Earnings 203.4m / Total Assets 2.20b) |
| C: 0.02 (EBIT TTM 42.7m / Avg Total Assets 1.92b) |
| D: 0.14 (Book Value of Equity 265.4m / Total Liabilities 1.93b) |
| Altman-Z'' = -3.24 = D |
As of June 15, 2026, the stock is trading at USD 56.61 with a total of 102,646 shares traded.
Over the past week, the price has changed by +4.49%,
over one month by +10.05%,
over three months by +16.31% and
over the past year by +36.97%.
Plumas Bancorp has received a consensus analysts rating of 4.33. Therefore, it is recommended to buy PLBC.
- StrongBuy: 1
- Buy: 2
- Hold: 0
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 60.3 | 6.6% |
P/E Trailing = 11.8008
P/E Forward = 16.8067
P/S = 4.0084
P/B = 1.4869
P/EG = 1.4934
Revenue TTM = 120.6m USD
EBIT TTM = 42.7m USD
EBITDA TTM = 46.2m USD
Long Term Debt = 16.0m USD (from longTermDebt, last quarter)
Short Term Debt = 115.5m USD (from shortTermDebt, last quarter)
Debt = 172.9m USD (from shortLongTermDebtTotal, last quarter) + Leases 28.7m
Net Debt = -359.7m USD (calculated: Debt 172.9m - CCE 532.6m)
Enterprise Value = 28.4m USD (388.1m + Debt 172.9m - CCE 532.6m)
Interest Coverage Ratio = 2.66 (Ebit TTM 42.7m / Interest Expense TTM 16.1m)
EV/FCF = 1.28x (Enterprise Value 28.4m / FCF TTM 22.2m)
FCF Yield = 78.23% (FCF TTM 22.2m / Enterprise Value 28.4m)
FCF Margin = 18.42% (FCF TTM 22.2m / Revenue TTM 120.6m)
Net Margin = 26.69% (Net Income TTM 32.2m / Revenue TTM 120.6m)
Gross Margin = 81.49% ((Revenue TTM 120.6m - Cost of Revenue TTM 22.3m) / Revenue TTM)
Gross Margin QoQ = 87.96% (prev 84.64%)
Tobins Q-Ratio = 0.01 (Enterprise Value 28.4m / Total Assets 2.20b)
Interest Expense / Debt = 9.29% (Interest Expense 16.1m / Debt 172.9m)
Taxrate = 24.65% (10.5m / 42.7m)
NOPAT = 32.2m (EBIT 42.7m * (1 - 24.65%))
Current Ratio = 0.33 (Total Current Assets 620.9m / Total Current Liabilities 1.91b)
Debt / Equity = 0.65 (Debt 172.9m / totalStockholderEquity, last quarter 265.4m)
Debt / EBITDA = -7.78 (Net Debt -359.7m / EBITDA 46.2m)
Debt / FCF = -16.19 (Net Debt -359.7m / FCF TTM 22.2m)
Total Stockholder Equity = 241.4m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.68% (Net Income 32.2m / Total Assets 2.20b)
RoE = 13.34% (Net Income TTM 32.2m / Total Stockholder Equity 241.4m)
RoCE = 16.60% (EBIT 42.7m / Capital Employed (Equity 241.4m + L.T.Debt 16.0m))
RoIC = 7.98% (NOPAT 32.2m / Invested Capital 403.5m)
WACC = 7.94% (E(388.1m)/V(561.0m) * Re(8.36%) + D(172.9m)/V(561.0m) * Rd(9.29%) * (1-Tc(0.25)))
Discount Rate = 8.36% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 98.88 | Cagr: 8.07%
[DCF] Terminal Value 73.10% ; FCFF base≈24.6m ; Y1≈21.6m ; Y5≈17.4m
[DCF] Fair Price = 91.78 (EV 279.8m - Net Debt -359.7m = Equity 639.6m / Shares 6.97m; r=8.35% [WACC [floored]]; 5y FCF grow -15.0% → 2.50% )
EPS Correlation: -59.75 | EPS CAGR: -2.59% | SUE: 0.80 | # QB: 0
Revenue Correlation: 72.29 | Revenue CAGR: 17.09% | SUE: 0.61 | # QB: 0
EPS current Quarter (2026-06-30): EPS=1.35 | Chg30d=+0.00% | Revisions=+33% | Analysts=3
EPS next Quarter (2026-09-30): EPS=1.40 | Chg30d=+0.00% | Revisions=+33% | Analysts=3
EPS current Year (2026-12-31): EPS=5.63 | Chg30d=+0.00% | Revisions=+43% | GrowthEPS=+4.8% | GrowthRev=+15.7%
EPS next Year (2027-12-31): EPS=5.77 | Chg30d=+0.00% | Revisions=+14% | GrowthEPS=+2.5% | GrowthRev=+4.1%
[Analyst] Revisions Ratio: +43%