PLBC Stock Analysis: Plumas Bancorp | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 427m USD | 12M Return: 50% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 3.89M
EPS Trend: -19.6%
Qual. Beats: 0
Rev. Trend: 82.6%
Qual. Beats: 1
Warnings
Tailwinds
Seasonality 10.5 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 the holding company for Plumas Bank, a regional community bank founded in 1980 and headquartered in Reno, Nevada. The bank serves small and middle-market businesses and individuals with a diversified mix of deposit products-including checking, savings, money market, and remote deposit accounts-and a broad loan portfolio spanning personal, commercial, real estate, construction, agricultural, SBA, and government-guaranteed loans. It also supports customers through digital channels such as internet, mobile, and telephone banking, alongside traditional services like ATMs, safe deposit boxes, and electronic funds transfer.
As a small-cap regional bank within the Financials sector, PLBC operates under a community banking model that emphasizes relationship lending and local deposit gathering rather than the nationwide branch networks of larger competitors. Its use of FedNow®-receive Service reflects the broader industry shift toward instant payment infrastructure being adopted by U.S. financial institutions.
- Net interest margin expands on higher Fed rates
- Construction and real estate loan portfolio drives earnings
- Northern Nevada deposit base growth supports balance sheet expansion
| Net Income: 35.8m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.76 > 1.0 |
| NWC/Revenue: -997.7% < 20% (prev -916.7%; Δ -81.07% < -1%) |
| CFO/TA 0.01 > 3% & CFO 23.5m > Net Income 35.8m |
| Net Debt (-469.2m) to EBITDA (54.7m): -8.57 < 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 July 28, 2026, the stock is trading at USD 61.45 with a total of 51,270 shares traded. Over the past week, the price has changed by +0.41%, over one month by +5.69%, over three months by +19.86% and over the past year by +50.02%.
Current recommended Stop Loss: 56.00 (which is 8.9% or 2.6 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 | 66.3 | 7.9% |
P/E Trailing = 12.0728
P/E Forward = 16.8067
P/S = 3.9959
P/B = 1.5539
P/EG = 1.4934
Revenue TTM = 130.7m USD
EBIT TTM = 51.0m USD
EBITDA TTM = 54.7m USD
Long Term Debt = 21.0m USD (from longTermDebt, last fiscal year)
Short Term Debt = 59.2m USD (from shortTermDebt, last quarter)
Debt = 132.4m USD (from shortLongTermDebtTotal, last quarter) + Leases 28.7m
Net Debt = -469.2m USD (calculated: Debt 132.4m - CCE 601.5m)
Enterprise Value = 427.1m USD (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = 2.84 (Ebit TTM 51.0m / Interest Expense TTM 18.0m)
EV/FCF = 19.22x (Enterprise Value 427.1m / FCF TTM 22.2m)
FCF Yield = 5.20% (FCF TTM 22.2m / Enterprise Value 427.1m)
FCF Margin = 16.99% (FCF TTM 22.2m / 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 427.1m / Total Assets 2.28b)
Interest Expense / Debt = 13.57% (Interest Expense 18.0m / Debt 132.4m)
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 132.4m / totalStockholderEquity, last quarter 272.1m)
Debt / EBITDA = -8.57 (Net Debt -469.2m / EBITDA 54.7m)
Debt / FCF = -21.12 (Net Debt -469.2m / FCF TTM 22.2m)
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 = 18.08% (EBIT 51.0m / Capital Employed (Equity 261.1m + L.T.Debt 21.0m))
RoIC = 1.69% (NOPAT 38.3m / Invested Capital 2.27b)
WACC = 8.95% (E(427.1m)/V(559.5m) * Re(8.57%) + D(132.4m)/V(559.5m) * Rd(13.57%) * (1-Tc(0.25)))
Discount Rate = 8.57% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 87.73 | Cagr: 7.99%
[DCF] Terminal Value 70.87% ; FCFF base≈24.6m ; Y1≈21.6m ; Y5≈17.4m
[DCF] Fair Price = 103.9 (EV 254.5m - Net Debt -469.2m = Equity 723.7m / Shares 6.96m; r=8.95% [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=+3.81% | Revisions=+40% | Analysts=3
EPS current Year (2026-12-31): EPS=5.75 | Chg30d=+2.25% | Revisions=+50% | GrowthEPS=+7.1% | GrowthRev=+17.1%
EPS next Year (2027-12-31): EPS=5.87 | Chg30d=+1.73% | Revisions=+17% | GrowthEPS=+2.0% | GrowthRev=+3.6%
[Analyst] Revisions Ratio: +55% (up=7, down=1)