PLBC

NEUTRAL

$51.71 Live

Plumas Bancorp · NASDAQ

Target $58.0 (+12.2%)

$39.7 52W Range $54.58

PLBC Plumas Bancorp - Fundamental Analysis

NEUTRAL

Console Chart News

PLBC Stock | Fundamental Analysis & Investment Insights

NASDAQ • Financial Services • Banks - Regional

Current Price Live

$51.71

Analyst Target

$58.0

+12.2% Upside

52W High

$54.58

52W Low

$39.7

Overview AI Snowflake Price Valuation Profitability Growth Health Peers Insiders SEC Filings

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 17, 2026

Market cap

$360.88M

P/E

10.96

ROE

14.2%

Profit margin

32.7%

Debt/Equity

N/A

Dividend yield

2.55%

AI Analysis

AI-powered fundamental assessment

Confidence

80%

PLBC presents a stark contradiction between its valuation and fundamental health, highlighted by a weak Piotroski F-Score of 2/9. While the stock is objectively undervalued, trading well below its Graham Number ($63.12) and Intrinsic Value ($139.24), the low health score indicates significant deterioration in financial strength. Strong top-line growth (32.4% YoY) and a consistent track record of earnings beats are offset by bearish insider sentiment and a failing technical trend. Consequently, the stock is a value play with high fundamental risk.

Key Strengths

Significant undervaluation relative to Graham Number ($63.12) and Intrinsic Value ($139.24)

Strong revenue growth of 32.40% YoY

Consistent earnings performance with 3 of the last 4 quarters beating estimates

Low P/E ratio (10.96) compared to sector averages

Sustainable dividend payout ratio of 26.06%

Key Risks

Critical fundamental weakness indicated by a Piotroski F-Score of 2/9

Bearish insider activity with recent director sales

Strongly bearish technical trend (10/100)

Low Return on Assets (ROA) of 1.68%, typical of struggling regional banks

Exposure to regional banking sector volatility

AI Fair Value Estimate

Based on comprehensive analysis

$63.12

+22.1% above current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall

Strong

Value

Future

Past

Health

Dividend

AI Verdict

Speculative Value

Key drivers: Deep valuation discount, Strong revenue growth, Severe fundamental health warning (F-Score)

Confidence

85%

Value

90/100

Ref P/E 10.96, Graham Number $63.12

Positives

P/E of 10.96 is very attractive
Price is below Graham Number

Watchpoints

Price/Book of 1.38 is moderate

Future

75/100

Ref Growth rates and Earnings track record

Positives

32.4% Revenue growth
Positive earnings surprises

Watchpoints

Recent Q/Q EPS growth decline of -11.5%

Past

70/100

Ref Historical price performance

Positives

Strong 5Y change of +107.7%
Consistent 1Y growth of +33.3%

Watchpoints

Recent technical momentum is failing

Health

20/100

Ref Piotroski F-Score

Positives

Positive ROE (14.22%)

Watchpoints

Piotroski F-Score of 2/9 indicates weak financial health

Dividend

60/100

Ref Yield and Payout

Positives

Low payout ratio (26.06%) suggests safety

Watchpoints

Modest yield of 2.55%

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price

$51.71

Analyst Target

$58.0

Upside/Downside

+12.2%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for PLBC and closest competitors.

Updated 2026-04-16

Company	5Y	3Y	1Y	6M	1M	1W
PLBC Plumas Bancorp Primary	+107.7%	+56.0%	+33.3%	+24.5%	+6.2%	+0.2%
OIM Oneim Acquisition Corp. Peer	-0.4%	-0.4%	-0.4%	-0.4%	-0.1%	-0.3%
FVAV Fortress Value Acquisition Corp. V Peer	+0.2%	+0.2%	+0.2%	+0.2%	-0.1%	+0.2%
NEWT NewtekOne, Inc. Peer	-29.9%	+15.5%	+32.7%	+18.4%	+7.5%	+9.0%
BKT BlackRock Income Trust, Inc. Peer	-9.0%	+10.1%	+5.1%	-0.4%	+1.3%	+0.3%

PLB

Plumas Bancorp

Primary

+107.7%

+56.0%

+33.3%

+24.5%

+6.2%

+0.2%

OIM

Oneim Acquisition Corp.

Peer

-0.4%

-0.1%

-0.3%

FVA

Fortress Value Acquisition Corp. V

Peer

+0.2%

-0.1%

+0.2%

NEW

NewtekOne, Inc.

Peer

-29.9%

+15.5%

+32.7%

+18.4%

+7.5%

+9.0%

BKT

BlackRock Income Trust, Inc.

Peer

-9.0%

+10.1%

+5.1%

-0.4%

+1.3%

+0.3%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

10.96

8.97

N/A

1.38

3.67

4.49

N/A

$360.88M

Profitability

Profit margins and return metrics

Profit Margin 32.72%

Operating Margin 46.3%

Gross Margin N/A

ROE 14.22%

ROA 1.68%

Growth

Revenue and earnings growth rates

Revenue Growth +32.4%

Earnings Growth +15.0%

Q/Q Revenue Growth +8.69%

Q/Q Earnings Growth +36.0%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity

N/A

Current Ratio

N/A

Quick Ratio

N/A

Cash/Share

$9.02

Quarterly Earnings History

EPS performance vs analyst estimates

2026-07-22

$N/A

2026-04-15

$1.38

+9.2% surprise

2026-01-21

$1.56

+15.8% surprise

2025-10-15

$0.82

+26.9% surprise

Financial Services Sector Comparison

Comparing PLBC against 525 companies in the Financial Services sector (96 bullish, 216 neutral, 213 bearish)

P/E Ratio

10.96

This Stock

43.93

Sector Avg

-75.1% (Discount)

Return on Equity (ROE)

14.22%

This Stock

0.14%

Sector Avg

+9858.7% (Excellent)

Profit Margin

32.72%

This Stock

46.8%

Sector Avg

-30.1% (Weaker)

Revenue Growth

32.4%

This Stock

40.4%

Sector Avg

-19.8% (Slower)

Similar Companies

Peer comparison within the same industry

Company	AI Rating	Market Cap	P/E	ROE	Profit Margin	Price
PLBC Plumas Bancorp	NEUTRAL	$360.88M	10.96	14.2%	32.7%	$51.71
OIM Oneim Acquisition Corp.	BEARISH	$361.01M	-	-%	-%	$9.99	Compare
FVAV Fortress Value Acquisition Corp. V	NEUTRAL	$362.82M	-	-%	-%	$10.04	Compare
NEWT NewtekOne, Inc.	NEUTRAL	$362.82M	5.76	17.4%	15.8%	$12.56	Compare
BKT BlackRock Income Trust, Inc.	BEARISH	$358.55M	12.44	7.2%	135.2%	$11.07	Compare

PLBC Plumas Bancorp

NEUTRAL

Mkt Cap

$361M

P/E

11.0

ROE

14.2%

Price

$51.71

OIM Oneim Acquisition Corp.

Compare with PLBC

FVAV Fortress Value...

Compare with PLBC

Compare with PLBC

Compare with PLBC

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

Date	Insider	Position	Transaction	Shares	Value
2026-03-19	KENNY RICHARD FRANCIS	Director	Option Exercise	2,000	$42,900
2026-03-10	BELSTOCK RICHARD L	Chief Financial Officer	Option Exercise	2,500	$77,500
2026-03-04	ASCUAGA MICHONNE R.	Director	Option Exercise	3,200	$68,640
2026-02-24	O GARA HEIDI S	Director	Option Exercise	3,600	$81,040
2026-02-20	ROBISON KENNETH EDWARD III	Director	Sale	800	$42,205
2026-02-18	MOSELEY MATTHEW BROCK	Officer	Stock Award	42	$2,228
2026-02-12	COLDANI STEVEN M	Director	Option Exercise	2,500	$61,000
2026-02-04	WEST DANIEL E	Director	Option Exercise	2,500	$61,000
2026-01-27	RYBACK ANDREW J	Chief Executive Officer	Option Exercise	2,534	$78,554
2026-01-27	ROBISON KENNETH EDWARD III	Director	Sale	500	$24,670
2026-01-06	BELSTOCK RICHARD L	Chief Financial Officer	Option Exercise	3,100	$76,045
2026-01-05	MCCLINTOCK ROBERT J	Director	Option Exercise	3,200	$68,640
2025-12-17	MCCLINTOCK ROBERT J	Director	Option Exercise	2,500	$61,000

KENNY RICHARD FRANCIS

Director

Option Exercise

2026-03-19

2,000 shares · $42,900

BELSTOCK RICHARD L

Chief Financial Officer

Option Exercise

2026-03-10

2,500 shares · $77,500

ASCUAGA MICHONNE R.

Director

Option Exercise

2026-03-04

3,200 shares · $68,640

O GARA HEIDI S

Director

Option Exercise

2026-02-24

3,600 shares · $81,040

ROBISON KENNETH EDWARD III

Director

Sell

2026-02-20

800 shares · $42,205

MOSELEY MATTHEW BROCK

Officer

Stock Award

2026-02-18

42 shares · $2,228

COLDANI STEVEN M

Director

Option Exercise

2026-02-12

2,500 shares · $61,000

WEST DANIEL E

Director

Option Exercise

2026-02-04

2,500 shares · $61,000

RYBACK ANDREW J

Chief Executive Officer

Option Exercise

2026-01-27

2,534 shares · $78,554

ROBISON KENNETH EDWARD III

Director

Sell

2026-01-27

500 shares · $24,670

BELSTOCK RICHARD L

Chief Financial Officer

Option Exercise

2026-01-06

3,100 shares · $76,045

MCCLINTOCK ROBERT J

Director

Option Exercise

2026-01-05

3,200 shares · $68,640

MCCLINTOCK ROBERT J

Director

Option Exercise

2025-12-17

2,500 shares · $61,000

Insider transactions can signal confidence or concerns about company prospects

SEC Filings

Recent regulatory filings from the SEC EDGAR database

8-K

FORM 8-K

2026-04-16

PLBC filed an 8-K on April 16, 2026, likely to announce its first-quarter financial results.

8-K

FORM 8-K

2026-04-15

8-K

FORM 8-K

2026-04-15

DEF 14A

FORM DEF 14A

2026-04-09

PLBC filed a definitive proxy statement (DEF 14A) on April 9, 2026, providing shareholders with information required to vote on matters at an upcoming meeting.

10-K

FORM 10-K

2026-03-19

PLBC filed its annual Form 10-K on March 19, 2026. The provided excerpts do not contain specific financial highlights or detailed risk factors.

8-K

FORM 8-K

2026-03-02

PLBC filed a current report on March 2, 2026, likely to announce its annual financial results.

8-K

FORM 8-K

2026-02-19

PLBC filed an 8-K on February 19, 2026, likely to announce its annual financial results.

8-K

FORM 8-K

2026-02-02

PLBC filed an 8-K on February 2, 2026, likely to report its financial results for the fiscal year ended December 31, 2025.

8-K

FORM 8-K

2026-01-23

PLBC filed a Form 8-K on January 23, 2026, likely to announce its financial results for the preceding fiscal period.

8-K

FORM 8-K

2026-01-22

8-K

FORM 8-K

2026-01-21

8-K

FORM 8-K

2026-01-21

8-K

FORM 8-K

2026-01-02

8-K

FORM 8-K

2025-12-18

8-K

FORM 8-K

2025-11-24

Data sourced from SEC EDGAR. AI summaries generated automatically.

Wall Street Analysts

Professional analyst ratings and price targets

Consensus

BUY

3 analysts

Piper Sandler

2026-04-16

Maintains

Overweight Overweight

Stephens & Co.

2026-04-16

Maintains

Overweight Overweight

Piper Sandler

2026-04-02

Maintains

Overweight Overweight

Past News Coverage

Recent headlines mentioning PLBC from our newsroom.

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PLBC

PLBC Plumas Bancorp - Fundamental Analysis

At a glance

AI Analysis

Key Strengths

Key Risks

Performance Snowflake

Stock Price & Analyst Targets

Multi-Horizon Performance vs Peers

Historical Performance Trends

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Valuation Metrics

Profitability

Growth

Financial Health

Quarterly Earnings History

Financial Services Sector Comparison

Similar Companies

Recent Insider Trading

SEC Filings

Wall Street Analysts

Past News Coverage

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