Plumas Bancorp (PLBC) AI Stock Analysis

Plumas Bancorp operates as the holding company for Plumas Bank, serving small and middle market businesses along with individual clients across Northeastern California and Northwestern Nevada. Established in 1980 and headquartered in Reno, Nevada, the bank offers deposit products such as checking, money market checking, savings, time deposits, and retirement accounts. Its lending activities include term real estate loans, commercial and industrial term loans, government-guaranteed and agricultural loans, credit lines, consumer loans, and home equity loans. Plumas Bancorp also provides remote deposit, telephone and mobile banking, internet banking with bill-pay options, and electronic funds transfers across 14 full-service branches and 3 lending offices as of February 2022.

Between FY2020 and FY2025, Plumas Bancorp delivered a 5-year revenue compound annual growth rate of 17.7%. Annual revenue rose from $56.5M in FY2021 to $84.9M in FY2023, before declining 14.2% to $72.9M in FY2024. In FY2025, revenue rebounded 48.6% to $108.2M, while net income stood at $29.6M with an operating margin of 36.6% and diluted EPS of $4.62. For the trailing twelve months ended June 30, 2026, revenue was $106.9M with a profit margin of 33.5% and an operating margin of 48.5%. In the latest quarter ended June 30, 2026, quarterly revenue grew 43.1% year-over-year and quarterly earnings grew 34.3%.

As of June 30, 2026, Plumas Bancorp held $601.5M in cash and short-term investments against total debt of $103.6M, resulting in net cash of $497.9M. Total assets were $2.28B, with shareholders' equity of $272.1M, a debt-to-equity ratio of 0.38, and a current ratio of 10.16. In FY2025, operating cash flow was $21.6M and free cash flow was $20.3M. The company directed $1.3M to capital expenditures and $7.7M to dividends paid, while its share count expanded 19.8% over 5 years.

At a market capitalization of $432.2M and a last close of $62.11 on October 16, 2026, Plumas Bancorp trades at a trailing P/E of 12.1x, matching the 12.1x median of its US-listed Financial Services peers. Its forward P/E of 16.8x trades above the peer median of 10.8x, and its price-to-sales of 4.0x is above the peer median of 3.2x. Over the past year, the stock returned 51.3%, outperforming the S&P 500 (SPY) return of 16.8%. Over 5 years, the stock gained 95.7% compared to 83.0% for the S&P 500.

Plumas Bancorp pays an annual forward dividend of $1.32 per share, yielding 2.13% with a payout ratio of 24.9%. Distributed on a quarterly schedule, the dividend has been paid for 11 consecutive years. The company has achieved a 5-year annualized dividend growth rate of 27.2%, with its most recent ex-dividend date on August 3, 2026.

Wall Street analysts coverage consists of 1 Strong Buy, 2 Buy, and 0 Hold or Sell ratings. The mean price target is $68.00, representing 9.5% upside compared to the last close of $62.11. For the fiscal year ending December 31, 2026, analysts estimate revenue of $115.1M and EPS of $5.77. For the next fiscal year, 3 analysts project revenue of $119.4M and EPS of $5.90. Plumas Bancorp has beaten EPS estimates in each of the last 4 quarters, with its next earnings report scheduled for October 21, 2026.

This page is an AI-written research summary of Plumas Bancorp (PLBC). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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