PLBC Stock Analysis: Plumas Bancorp | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 424m USD | 12M Return: 48.3% | US7292731020 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 3.23M
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 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 -0.17 > 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 September 27, 2026, the stock is trading at USD 62.29 with a total of 46,984 shares traded. Over the past week, the price has changed by -0.67%, over one month by +1.22%, over three months by +9.47% and over the past year by +48.27%.
Current recommended Stop Loss: 59.40 (which is 4.6% or 2.2 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 | 8.1% |
P/E Trailing = 12.0039
P/E Forward = 16.8067
P/S = 3.9703
P/B = 1.5832
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 = 424.4m USD (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = 2.84 (Ebit TTM 51.0m / Interest Expense TTM 18.0m)
EV/FCF = 13.37x (Enterprise Value 424.4m / FCF TTM 31.7m)
FCF Yield = 7.48% (FCF TTM 31.7m / Enterprise Value 424.4m)
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 424.4m / 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 = 8.39% (E(424.4m)/V(556.4m) * Re(7.82%) + D(132.0m)/V(556.4m) * Rd(13.60%) * (1-Tc(0.25)))
Discount Rate = 7.82% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 87.73 | Cagr: 7.99%
[DCF] Terminal Value 77.85% ; FCFF base≈29.2m ; Y1≈33.5m ; Y5≈49.3m
[DCF] Fair Price = 173.3 (EV 736.2m - Net Debt -469.5m = Equity 1.21b / Shares 6.96m; r=8.39% [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)