(PLBC) Plumas Bancorp - Ratings and Ratios
Exchange: NASDAQ •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: US7292731020
Deposit Accounts, Loans, Treasury Services, Remote Banking
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 2.85% |
| Yield on Cost 5y | 5.46% |
| Yield CAGR 5y | 20.99% |
| Payout Consistency | 70.0% |
| Payout Ratio | 20.3% |
| Risk via 5d forecast | |
|---|---|
| Volatility | 34.5% |
| Value at Risk 5%th | 49.5% |
| Relative Tail Risk | -12.72% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.23 |
| Alpha | -5.34 |
| CAGR/Max DD | 0.36 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.461 |
| Beta | 0.524 |
| Beta Downside | 0.483 |
| Drawdowns 3y | |
|---|---|
| Max DD | 27.12% |
| Mean DD | 13.98% |
| Median DD | 14.45% |
Description: PLBC Plumas Bancorp December 30, 2025
Plumas Bancorp (NASDAQ: PLBC) is a Nevada-based holding company for Plumas Bank, which offers a full suite of deposit and loan products to small- and mid-market businesses and consumers across California, Nevada, and Oregon. Its deposit franchise includes checking, money-market, savings, retirement and time-deposit accounts, while its loan book spans residential, commercial, agricultural, SBA, and construction financing.
As of the latest quarterly filing (Q3 2024), the bank reported a net interest margin of 4.1%, a loan-to-deposit ratio of 78%, and an efficiency ratio of 58%, indicating solid profitability and cost control relative to peers in the Regional Banks sub-industry.
Key drivers for Plumas Bancorp include the health of the Western U.S. housing market, regional commercial-real-estate exposure, and the Federal Reserve’s interest-rate stance, which together shape loan demand and deposit pricing in its core markets.
For a deeper, data-rich analysis of PLBC’s valuation and risk profile, you may find ValueRay’s platform worth exploring.
Piotroski VR‑10 (Strict, 0-10) 3.0
| Net Income: 29.6m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.35 > 1.0 |
| NWC/Revenue: -358.1% < 20% (prev -1199 %; Δ 840.7% < -1%) |
| CFO/TA 0.01 > 3% & CFO 23.5m > Net Income 29.6m |
| Net Debt (-59.6m) to EBITDA (41.4m): -1.44 < 3 |
| Current Ratio: 0.80 > 1.5 & < 3 |
| Outstanding Shares: last quarter (7.04m) vs 12m ago 17.36% < -2% |
| Gross Margin: 81.49% > 18% (prev 0.84%; Δ 8065 % > 0.5%) |
| Asset Turnover: 5.80% > 50% (prev 4.49%; Δ 1.31% > 0%) |
| Interest Coverage Ratio: 1.85 > 6 (EBITDA TTM 41.4m / Interest Expense TTM 13.9m) |
Altman Z'' -0.66
| A: -0.18 (Total Current Assets 1.58b - Total Current Liabilities 1.98b) / Total Assets 2.24b |
| B: 0.09 (Retained Earnings 195.9m / Total Assets 2.24b) |
| C: 0.01 (EBIT TTM 25.6m / Avg Total Assets 1.93b) |
| D: 0.13 (Book Value of Equity 261.1m / Total Liabilities 1.98b) |
| Altman-Z'' Score: -0.66 = B |
What is the price of PLBC shares?
As of January 29, 2026, the stock is trading at USD 49.55 with a total of 17,608 shares traded.
Over the past week, the price has changed by -0.10%, over one month by +10.26%, over three months by +21.39% and over the past year by +6.70%.
Over the past week, the price has changed by -0.10%, over one month by +10.26%, over three months by +21.39% and over the past year by +6.70%.
Is PLBC a buy, sell or hold?
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
What are the forecasts/targets for the PLBC price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 57.3 | 15.7% |
| Analysts Target Price | 57.3 | 15.7% |
| ValueRay Target Price | 54.3 | 9.6% |
PLBC Fundamental Data Overview January 24, 2026
P/E Trailing = 11.7901
P/S = 3.8691
P/B = 1.3985
Revenue TTM = 112.0m USD
EBIT TTM = 25.6m USD
EBITDA TTM = 41.4m USD
Long Term Debt = 26.7m USD (from longTermDebt, two quarters ago)
Short Term Debt = 21.0m USD (from shortTermDebt, last quarter)
Debt = 21.0m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -59.6m USD (from netDebt column, last quarter)
Enterprise Value = 288.1m USD (347.7m + Debt 21.0m - CCE 80.6m)
Interest Coverage Ratio = 1.85 (Ebit TTM 25.6m / Interest Expense TTM 13.9m)
EV/FCF = 12.89x (Enterprise Value 288.1m / FCF TTM 22.3m)
FCF Yield = 7.76% (FCF TTM 22.3m / Enterprise Value 288.1m)
FCF Margin = 19.95% (FCF TTM 22.3m / Revenue TTM 112.0m)
Net Margin = 26.45% (Net Income TTM 29.6m / Revenue TTM 112.0m)
Gross Margin = 81.49% ((Revenue TTM 112.0m - Cost of Revenue TTM 20.7m) / Revenue TTM)
Gross Margin QoQ = 84.64% (prev 68.70%)
Tobins Q-Ratio = 0.13 (Enterprise Value 288.1m / Total Assets 2.24b)
Interest Expense / Debt = 22.62% (Interest Expense 4.75m / Debt 21.0m)
Taxrate = 21.46% (3.00m / 14.0m)
NOPAT = 20.1m (EBIT 25.6m * (1 - 21.46%))
Current Ratio = 0.80 (Total Current Assets 1.58b / Total Current Liabilities 1.98b)
Debt / Equity = 0.08 (Debt 21.0m / totalStockholderEquity, last quarter 261.1m)
Debt / EBITDA = -1.44 (Net Debt -59.6m / EBITDA 41.4m)
Debt / FCF = -2.67 (Net Debt -59.6m / FCF TTM 22.3m)
Total Stockholder Equity = 221.9m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.53% (Net Income 29.6m / Total Assets 2.24b)
RoE = 13.35% (Net Income TTM 29.6m / Total Stockholder Equity 221.9m)
RoCE = 10.31% (EBIT 25.6m / Capital Employed (Equity 221.9m + L.T.Debt 26.7m))
RoIC = 8.83% (NOPAT 20.1m / Invested Capital 227.8m)
WACC = 8.42% (E(347.7m)/V(368.7m) * Re(7.85%) + D(21.0m)/V(368.7m) * Rd(22.62%) * (1-Tc(0.21)))
Discount Rate = 7.85% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: 100.0 | Cagr: 8.84%
[DCF Debug] Terminal Value 74.41% ; FCFF base≈22.2m ; Y1≈19.5m ; Y5≈15.9m
Fair Price DCF = 46.79 (EV 265.9m - Net Debt -59.6m = Equity 325.5m / Shares 6.96m; r=8.42% [WACC]; 5y FCF grow -14.95% → 2.90% )
EPS Correlation: 12.03 | EPS CAGR: 13.51% | SUE: 1.90 | # QB: 2
Revenue Correlation: 13.88 | Revenue CAGR: 21.83% | SUE: 1.59 | # QB: 1
EPS next Quarter (2026-03-31): EPS=1.28 | Chg30d=+0.010 | Revisions Net=-3 | Analysts=3
EPS current Year (2026-12-31): EPS=5.41 | Chg30d=+0.047 | Revisions Net=-3 | Growth EPS=+0.7% | Growth Revenue=+14.1%
EPS next Year (2027-12-31): EPS=5.69 | Chg30d=+0.037 | Revisions Net=+0 | Growth EPS=+5.2% | Growth Revenue=+5.3%
P/S = 3.8691
P/B = 1.3985
Revenue TTM = 112.0m USD
EBIT TTM = 25.6m USD
EBITDA TTM = 41.4m USD
Long Term Debt = 26.7m USD (from longTermDebt, two quarters ago)
Short Term Debt = 21.0m USD (from shortTermDebt, last quarter)
Debt = 21.0m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -59.6m USD (from netDebt column, last quarter)
Enterprise Value = 288.1m USD (347.7m + Debt 21.0m - CCE 80.6m)
Interest Coverage Ratio = 1.85 (Ebit TTM 25.6m / Interest Expense TTM 13.9m)
EV/FCF = 12.89x (Enterprise Value 288.1m / FCF TTM 22.3m)
FCF Yield = 7.76% (FCF TTM 22.3m / Enterprise Value 288.1m)
FCF Margin = 19.95% (FCF TTM 22.3m / Revenue TTM 112.0m)
Net Margin = 26.45% (Net Income TTM 29.6m / Revenue TTM 112.0m)
Gross Margin = 81.49% ((Revenue TTM 112.0m - Cost of Revenue TTM 20.7m) / Revenue TTM)
Gross Margin QoQ = 84.64% (prev 68.70%)
Tobins Q-Ratio = 0.13 (Enterprise Value 288.1m / Total Assets 2.24b)
Interest Expense / Debt = 22.62% (Interest Expense 4.75m / Debt 21.0m)
Taxrate = 21.46% (3.00m / 14.0m)
NOPAT = 20.1m (EBIT 25.6m * (1 - 21.46%))
Current Ratio = 0.80 (Total Current Assets 1.58b / Total Current Liabilities 1.98b)
Debt / Equity = 0.08 (Debt 21.0m / totalStockholderEquity, last quarter 261.1m)
Debt / EBITDA = -1.44 (Net Debt -59.6m / EBITDA 41.4m)
Debt / FCF = -2.67 (Net Debt -59.6m / FCF TTM 22.3m)
Total Stockholder Equity = 221.9m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.53% (Net Income 29.6m / Total Assets 2.24b)
RoE = 13.35% (Net Income TTM 29.6m / Total Stockholder Equity 221.9m)
RoCE = 10.31% (EBIT 25.6m / Capital Employed (Equity 221.9m + L.T.Debt 26.7m))
RoIC = 8.83% (NOPAT 20.1m / Invested Capital 227.8m)
WACC = 8.42% (E(347.7m)/V(368.7m) * Re(7.85%) + D(21.0m)/V(368.7m) * Rd(22.62%) * (1-Tc(0.21)))
Discount Rate = 7.85% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: 100.0 | Cagr: 8.84%
[DCF Debug] Terminal Value 74.41% ; FCFF base≈22.2m ; Y1≈19.5m ; Y5≈15.9m
Fair Price DCF = 46.79 (EV 265.9m - Net Debt -59.6m = Equity 325.5m / Shares 6.96m; r=8.42% [WACC]; 5y FCF grow -14.95% → 2.90% )
EPS Correlation: 12.03 | EPS CAGR: 13.51% | SUE: 1.90 | # QB: 2
Revenue Correlation: 13.88 | Revenue CAGR: 21.83% | SUE: 1.59 | # QB: 1
EPS next Quarter (2026-03-31): EPS=1.28 | Chg30d=+0.010 | Revisions Net=-3 | Analysts=3
EPS current Year (2026-12-31): EPS=5.41 | Chg30d=+0.047 | Revisions Net=-3 | Growth EPS=+0.7% | Growth Revenue=+14.1%
EPS next Year (2027-12-31): EPS=5.69 | Chg30d=+0.037 | Revisions Net=+0 | Growth EPS=+5.2% | Growth Revenue=+5.3%