Plumas Bancorp PLBC

FinancialsBanking ServicesUnited States of America

Last close 63.05 USD on Nov 1, 2026, +43.7% year to date

Quant rating

Quant rating B Rank 284 of 799 in Financials

Growth D 594 of 799
Valuation C 464 of 799
Quality B 191 of 799
Revisions C 408 of 799
Momentum A 119 of 799

Wall Street consensus Buy (1.67)Average target 70.00 USD +11.0%

Historical valuation

Multiples use consensus estimates for the next twelve months. The dashed line is the 5-year average.

Key data

Market cap: 438M
Enterprise value: 402M
52-week range: 40.35 – 64.27
3-year range: 32.51 – 64.27
Dividend yield: 2.09%
Beta (5 years): 0.54
Shares outstanding: 6.9M
Next earnings: Jan 19, 2027

About the company

Plumas Bancorp is a bank holding company. The Company's principal subsidiary is Plumas Bank (the Bank), which is a full-service community bank. The Bank operates approximately 19 branches: seventeen located in the California counties of Butte, Lassen, Modoc, Nevada, Placer, Plumas, Shasta, Sutter, and Tehama and two branches located in Nevada in the counties of Carson City and Washoe. The Bank also operates two loan production offices located in Auburn, California and Klamath Falls, Oregon. The Bank offers a range of financial and investment services to consumers and businesses. The Bank’s products and services include business and personal. The Bank’s business products and services include business online banking, business accounts and small business loans. The Bank’s personal products and services include personal online banking services, personal mobile banking, personal checking accounts, personal savings accounts, tax advantage accounts, and personal loans.

Growth and profitability fiscal year ends December 31

Growth and profitability by fiscal year
	2025	2024	2023	2022	2021	5Y avg
Revenue (mil)	102	84.3	74.6	59.8	48.1	–
Revenue growth	20.5%	13.0%	24.8%	24.3%	21.3%	20.7%
EPS (basic, normalized)	4.18	2.38	5.08	4.53	3.82	–
EPS growth	75.5%	−53.1%	12.2%	18.6%	36.6%	8.4%
Gross margin	–	–	–	–	–	–
Net margin	29.1%	33.9%	39.9%	44.3%	43.7%	38.2%
ROE	13.5%	17.6%	22.5%	–	–	17.9%

Balance sheet, last quarter
Cash & short-term investments (mil)	–
Tier 1 risk-adjusted capital ratio	15.8%
Long-term debt (mil)	0
Net debt (mil)	–
Total equity (mil)	262
Net debt / equity	–

Estimates and valuation

Consensus estimates and implied multiples
	Sales (mil)			Book value per share			EPS
Fiscal year	Mean est.	Growth	EV/Sales	Mean est.	Growth	P/B	Mean est.	Growth	P/E
2025 actual	102	+20.5%	4.0x	37.52	+18.6%	1.7x	4.54	−5.4%	13.9x
2026	115	+13.3%	3.5x	40.05	+6.7%	1.6x	5.74	+26.4%	11.0x
2027	120	+4.6%	3.3x	44.46	+11.0%	1.4x	5.91	+3.0%	10.7x
2028	122	+1.4%	3.3x	48.88	+9.9%	1.3x	6.00	+1.6%	10.5x

Estimate revisions

Change in consensus estimates over 1, 3 and 6 months
	Sales				EPS
Fiscal year	Estimate (mil)	1M	3M	6M	Estimate	1M	3M	6M
2026	115	+0.1%	+0.1%	+1.2%	5.74	0.0%	+0.1%	+2.7%
2027	120	+0.9%	+1.1%	+1.9%	5.91	+0.2%	+0.7%	+2.4%
2028	122	−2.1%	–	–	6.00	−2.0%	–	–

Earnings surprises EPS beat in 4 of the last 4 quarters

Reported results versus consensus, last 10 fiscal quarters
Quarter ended	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Sales reported (mil)	19.6	20.6	21.1	21.2	21.8	20.5	27.4	28.6	28.1	28.8
Sales mean (mil)	19.9	20.0	20.7	20.7	20.6	21.0	28.1	27.4	27.3	28.0
Surprise	−1.5%	+3.0%	+2.0%	+2.1%	+5.7%	−2.2%	−2.3%	+4.3%	+3.1%	+2.7%
EPS reported	1.05	1.14	1.31	1.29	1.20	1.05	0.73	1.56	1.38	1.41
EPS mean	1.19	1.09	1.14	1.19	1.12	1.41	0.55	1.28	1.26	1.35
Surprise	−11.8%	+4.6%	+14.9%	+8.4%	+7.1%	−25.7%	+33.3%	+22.3%	+9.3%	+4.3%

Peer comparison Banking Services

Peers in the same industry group, by market capitalization
Company	Market cap	Tier 1 ratio	Net margin	Deposits/loans	FY1 P/E	FY2 P/E	FY1 P/B	FY2 P/B
PLBC Plumas Bancorp	438M	15.8%	29.1%	1.21x	11.0x	10.7x	1.6x	1.4x
EWBC East West Bancorp, Inc.	17.9B	15.4%	30.9%	1.20x	12.1x	11.1x	1.9x	1.7x
COLB Columbia Banking System Inc	8.5B	11.7%	18.9%	1.15x	10.0x	9.2x	1.1x	1.1x
WAL Western Alliance Bancorporation	8.2B	12.0%	20.4%	1.33x	8.5x	7.1x	1.1x	0.9x
GBCI Glacier Bancorp Inc	6.3B	13.0%	18.4%	1.19x	16.1x	13.5x	1.4x	1.3x
CATY Cathay General Bancorp	4.3B	13.7%	24.1%	1.05x	11.6x	10.5x	1.3x	1.2x
Mean		13.6%	23.6%	1.19x	11.6x	10.4x	1.4x	1.3x
Median		13.3%	22.2%	1.19x	11.3x	10.6x	1.4x	1.3x

Technical analysis

1M+1.1%
3M+1.9%
1Y+57.3%
3Y+97.2%

Financial statements in millions of USD

Income statement in millions of USD, fiscal years

Income statement, Plumas Bancorp, fiscal years, most recent first
	2025	2024	2023	2022	2021	2020
Interest income	102	84.3	74.6	59.8	48.1	39.6
Total interest expense	13.9	10.6	4.8	1.2	1.1	1.2
Net interest income	87.8	73.7	69.8	58.5	46.9	38.4
Loan loss provision	6.8	1.2	2.8	1.3	1.1	3.2
Net interest income after loan loss provision	80.9	72.5	67.0	57.2	45.8	35.2
Non-interest income	10.5	8.8	10.7	11.1	8.7	8.5
Non-interest expense	−51.9	−42.3	−37.5	−32.6	−26.0	−23.7
Net income before taxes	39.6	39.0	40.2	35.7	28.5	20.0
Provision for taxes	10.0	10.4	10.4	9.2	7.5	5.5
Minority interest & equity in affiliates	–	–	–	–	–	–
Other	0	0	0	0	0	0
Net income before extraordinary items	29.6	28.6	29.8	26.4	21.0	14.5
Extraordinary items	–	–	–	–	–	–
Net income	29.6	28.6	29.8	26.4	21.0	14.5
Basic weighted average shares (mil)	6.4	5.9	5.9	5.8	5.5	5.2
Diluted weighted average shares (mil)	6.5	6.0	5.9	5.9	5.6	5.2
Basic EPS excluding extraordinary items	4.60	4.85	5.08	4.53	3.82	2.80
Basic EPS, normalized	4.18	2.38	5.08	4.53	3.82	2.80

Balance sheet in millions of USD, fiscal years

Balance sheet, Plumas Bancorp, fiscal years, most recent first
	2025	2024	2023	2022	2021	2020
Assets
Cash & due from banks	80.6	82.0	85.7	183	381	185
Other earning assets	477	438	489	447	337	180
Net loans	1,496	1,005	949	904	829	700
Property, plant & equipment	53.3	36.8	18.9	18.1	16.4	14.0
Goodwill	24.2	5.5	5.5	5.5	5.5	0
Intangibles	11.1	0.8	1.0	1.2	1.5	0.7
Long-term investments	–	–	–	–	–	–
Other long-term assets	14.5	15.7	18.8	19.6	4.6	1.9
Other assets	82.4	39.3	42.8	42.2	38.9	29.6
Total assets	2,239	1,623	1,610	1,621	1,614	1,112
Liabilities
Accounts payable	19.9	12.5	16.4	15.3	13.4	8.3
Payable/accrued	–	–	–	–	–	–
Accrued expenses	29.0	24.8	–	–	–	–
Total deposits	1,810	1,371	1,334	1,458	1,439	974
Other bearing liabilities	–	–	–	–	0	5.0
Short-term borrowings	119	37.1	113	18.6	17.3	13.9
Current portion of long-term debt	–	–	–	–	–	–
Long-term debt	0	0	0	10.3	10.3	10.3
Minority interest	–	–	–	–	–	–
Other liabilities	0	0	0	0	0	0
Total liabilities	1,977	1,445	1,463	1,502	1,480	1,011
Shareholders' equity
Preferred stock	0	0	0	0	0	0
Common stock	75.7	29.0	28.0	27.4	26.8	7.7
Additional paid-in capital	–	–	–	–	–	–
Retained earnings (accumulated deficit)	196	174	152	128	106	87.8
Treasury stock	–	–	–	–	–	–
Other equity	−10.5	−25.1	−32.5	−36.8	1.6	4.7
Total equity	261	178	147	119	134	100
Total liabilities & shareholders' equity	2,239	1,623	1,610	1,621	1,614	1,112

Cash flow statement in millions of USD, fiscal years

Cash flow statement, Plumas Bancorp, fiscal years, most recent first
	2025	2024	2023	2022	2021	2020
Operating activities
Net income	29.6	28.6	29.8	26.4	21.0	14.5
Depreciation, depletion & amortization	2.8	1.5	1.7	1.9	1.7	1.4
Deferred taxes	2.3	−0.1	−0.7	1.0	−1.3	−1.1
Non-cash items	−8.0	−19.7	0.8	1.1	1.4	1.1
Changes in working capital	−5.1	20.2	6.8	26.4	−31.2	8.7
Cash from operations	21.6	30.5	38.3	56.9	−8.4	24.6
Investing activities
Capital expenditures	−1.3	−0.7	−2.3	−3.0	−0.9	−1.6
Other investing cash flows	71.6	10.9	−88.3	−268	−78.9	−113
Cash from investing	70.3	10.2	−90.6	−271	−79.8	−114
Financing activities
Financing cash flow items	−65.9	36.5	−120	20.2	287	230
Cash dividends paid	−7.7	−6.4	−5.9	−3.7	−3.1	−1.9
Issuance (retirement) of debt, net	–	–	–	–	–	–
Other financing cash flows	−19.6	−74.5	80.0	0.3	0.3	0.1
Cash from financing	−93.3	−44.4	−45.6	16.7	284	228
Foreign exchange effects	–	–	–	–	–	–
Net change in cash	−1.4	−3.6	−97.8	−197	196	138
Free cash flow	20.3	29.8	36.1	53.9	−9.3	23.0

Disclaimer

The financial data presented in this report is delayed and obtained from sources QDD Research believes to be reliable, including stock exchanges, SEDAR, and EDGAR. However, no representation or warranty is made as to the accuracy, completeness, or timeliness of the information. QDD Research accepts no liability for any errors, omissions, or financial losses arising from the use of this data.

This report is generated using a fully systematic and quantitative approach. All factor scores and the overall quant rating (ranging from D to A+) are derived from algorithmic models and are based solely on objective financial metrics. These scores are intended for informational purposes only and should not be interpreted as investment advice or a recommendation to buy, sell, or hold any securities.

QDD Research is not a registered investment advisor or broker-dealer and does not provide personalized financial advice. The content is not tailored to the specific investment goals, financial situation, or risk profile of any individual investor. We strongly encourage readers to consult with a licensed broker or investment advisor before making any investment decisions based on the information contained in this report.

Live quote provided by TradingView. Report data updated Nov 1, 2026 after market close.