PLBC Stock Analysis: Plumas Bancorp | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 429m USD | 12M Return: 51.8% | US7292731020 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 3.18M
EPS Trend: -19.6%
Qual. Beats: 0
Rev. Trend: 82.6%
Qual. Beats: 1
Warnings
Tailwinds
Seasonality 11.7 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Plumas Bancorp (NASDAQ: PLBC) is a Reno, Nevada-based bank holding company founded in 1980, operating through its subsidiary Plumas Bank. The company provides a full range of community banking products and services to small and middle-market businesses, as well as individual customers. Its deposit offerings include checking, money market, savings, retirement, and time accounts, while its loan portfolio spans personal, commercial, real estate, construction, agricultural, government-guaranteed, and Small Business Administration loans, among others. The company also delivers digital and traditional banking services such as internet and mobile banking, ATMs, electronic funds transfer, and the FedNow® real-time payment service. Plumas Bancorp has been publicly traded since its 2005 IPO and is classified within the GICS Regional Banks sub-industry, reflecting its focus on relationship-based community banking in Northern California and Nevada.
- Net interest margin compresses as Fed cuts rates
- Commercial real estate loan portfolio faces credit quality headwinds
- Deposit growth slows in Northern California and Nevada markets
| Net Income: 35.8m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.17 > 1.0 |
| NWC/Revenue: -997.7% < 20% (prev -916.7%; Δ -81.07% < -1%) |
| CFO/TA 0.01 > 3% & CFO 33.1m > Net Income 35.8m |
| Net Debt (-469.5m) to EBITDA (54.7m): -8.58 < 3 |
| Current Ratio: 0.32 > 1.5 & < 3 |
| Outstanding Shares: last quarter (7.07m) vs 12m ago 17.70% < -2% |
| Gross Margin: 81.67% > 18% (prev 88.98%; Δ -7.32% > 0.5%) |
| Asset Turnover: 6.69% > 50% (prev 5.78%; Δ 0.91% > 0%) |
| Interest Coverage Ratio: 2.84 > 6 (EBIT TTM 51.0m / Interest Expense TTM 18.0m) |
| A: -0.57 (Total Current Assets 601.5m - Total Current Liabilities 1.91b) / Total Assets 2.28b |
| B: 0.09 (Retained Earnings 211.0m / Total Assets 2.28b) |
| C: 0.03 (EBIT TTM 51.0m / Avg Total Assets 1.95b) |
| D: 0.14 (Book Value of Equity 272.1m / Total Liabilities 2.01b) |
| Altman-Z'' = -3.14 = D |
As of October 03, 2026, the stock is trading at USD 62.54 with a total of 27,804 shares traded. Over the past week, the price has changed by +0.40%, over one month by +0.29%, over three months by +6.34% and over the past year by +51.78%.
Current recommended Stop Loss: 59.40 (which is 5% or 2.5 ATR below the current price).
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 | 67.3 | 7.7% |
P/E Trailing = 12.1299
P/E Forward = 16.8067
P/S = 4.012
P/B = 1.5934
P/EG = 1.4934
Revenue TTM = 130.7m USD
EBIT TTM = 51.0m USD
EBITDA TTM = 54.7m USD
Long Term Debt = 16.0m USD (from longTermDebt, last quarter)
Short Term Debt = 59.2m USD (from shortTermDebt, last quarter)
Debt = 132.0m USD (from shortLongTermDebtTotal, last quarter) + Leases 28.4m
Net Debt = -469.5m USD (calculated: Debt 132.0m - CCE 601.5m)
Enterprise Value = 428.8m USD (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = 2.84 (Ebit TTM 51.0m / Interest Expense TTM 18.0m)
EV/FCF = 13.51x (Enterprise Value 428.8m / FCF TTM 31.7m)
FCF Yield = 7.40% (FCF TTM 31.7m / Enterprise Value 428.8m)
FCF Margin = 24.27% (FCF TTM 31.7m / Revenue TTM 130.7m)
Net Margin = 27.41% (Net Income TTM 35.8m / Revenue TTM 130.7m)
Gross Margin = 81.67% ((Revenue TTM 130.7m - Cost of Revenue TTM 24.0m) / Revenue TTM)
Gross Margin QoQ = 85.04% (prev 87.96%)
Tobins Q-Ratio = 0.19 (Enterprise Value 428.8m / Total Assets 2.28b)
Interest Expense / Debt = 13.60% (Interest Expense 18.0m / Debt 132.0m)
Taxrate = 24.89% (11.9m / 47.7m)
NOPAT = 38.3m (EBIT 51.0m * (1 - 24.89%))
Current Ratio = 0.32 (Total Current Assets 601.5m / Total Current Liabilities 1.91b)
Debt / Equity = 0.49 (Debt 132.0m / totalStockholderEquity, last quarter 272.1m)
Debt / EBITDA = -8.58 (Net Debt -469.5m / EBITDA 54.7m)
Debt / FCF = -14.79 (Net Debt -469.5m / FCF TTM 31.7m)
Total Stockholder Equity = 261.1m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.83% (Net Income 35.8m / Total Assets 2.28b)
RoE = 13.72% (Net Income TTM 35.8m / Total Stockholder Equity 261.1m)
RoCE = 18.41% (EBIT 51.0m / Capital Employed (Equity 261.1m + L.T.Debt 16.0m))
RoIC = 1.69% (NOPAT 38.3m / Invested Capital 2.27b)
WACC = 8.41% (E(428.8m)/V(560.8m) * Re(7.85%) + D(132.0m)/V(560.8m) * Rd(13.60%) * (1-Tc(0.25)))
Discount Rate = 7.85% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 87.73 | Cagr: 7.99%
[DCF] Terminal Value 77.79% ; FCFF base≈29.2m ; Y1≈33.5m ; Y5≈49.3m
[DCF] Fair Price = 172.9 (EV 733.8m - Net Debt -469.5m = Equity 1.20b / Shares 6.96m; r=8.41% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: -19.62 | EPS CAGR: -0.96% | SUE: 0.42 | # QB: 0
Revenue Correlation: 82.58 | Revenue CAGR: 23.36% | SUE: 1.49 | # QB: 1
EPS current Quarter (2026-09-30): EPS=1.46 | Chg30d=+0.00% | Revisions=+50% | Analysts=3
EPS current Year (2026-12-31): EPS=5.77 | Chg30d=+0.11% | Revisions=+50% | GrowthEPS=+7.5% | GrowthRev=+17.1%
EPS next Year (2027-12-31): EPS=5.90 | Chg30d=+0.51% | Revisions=+50% | GrowthEPS=+2.1% | GrowthRev=+3.8%
[Analyst] Revisions Ratio: +75% (up=9, down=0)