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Company Analysis

Plumas Bancorp PLBC

A comprehensive view of key metrics, scores, and financial health for Plumas Bancorp

Overview of Plumas Bancorp

PLBC NCM
Financial Services Banks - Regional Framework: Banks & Lenders Small Cap
Plumas Bancorp (PLBC), is a Small Cap company, in the Banks - Regional industry, last closed at $61.43, about 36.8% overvalued vs fair value, +49.5% 1Y return, ranked 360/1078 in sector.
Metrics P/E 9.8× Rev Growth 48.5% ROE 13.5% Gross Margin 94.7% Div Yield 2.48%
USD 61.43
0.38%
(Delayed)
• Vol 90d: 20.0%
52-Week Range
Market Cap
$403.11M
Enterprise Value
$384.96M
Overall Score
View breakdown
Overall
Growth
Good
Profitability
Fair
Health
Weak
Efficiency
Fair
Valuation
Good
Growth
Good
Profitability
Fair
Health
Weak
Efficiency
Fair
Valuation
Good
Completeness: 82%
Confidence: 85%
Updated: Jul 5
Top Beats
No strong beats yet

Quick Facts

Website https://www.plumasbank.com
HQ Reno, NV
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$22
$39
$73
Current: $61.43 -37% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$101.6M
20.5%%
Interest Expense
$13.9M
Net Interest Income
$87.8M
19.1%%
Total Revenue
$92.4M
48.5%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
11.3%
Good

Net Income / Equity - key bank profitability metric

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$7.7M
26.1% of Net Income

Where It Leaks

Cash Flow Health healthy
Strong cash conversion with minimal leakage across profit-to-cash-to-value chain.
1
Active Leaks
0/1
Improving
0
High Impact
0
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Plumas Bancorp's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
70
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
64
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 88% Coverage
Trade-Off Triangle Visualization A ternary plot showing PLBC's balance between Growth (34.1%), Profitability (37.1%), and Safety (28.8%). Growth 34% Safety 29% Profitability 37%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

76th percentile vs peers
76
Key Signals
Asset Growth YoY 37.9% 96p NII Growth YoY 19.1% 76p Equity Growth YoY 46.8% 95p EPS Growth YoY -5.2% 22p
Strengths
  • Asset Growth YoY in top 20% of peers (37.9%, 96th percentile)
  • Equity Growth YoY in top 20% of peers (46.8%, 95th percentile)
  • Net Interest Margin in top 20% of peers (4.5%, 90th percentile)
  • ROTE in top 20% of peers (18.2%, 84th percentile)
Risks

No significant risks identified for this axis.

Profitability

82th percentile vs peers
83
Key Signals
Strengths
Risks
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Safety

64th percentile vs peers
64
Key Signals
Strengths
Safety drilldowns are available to premium members.

Two Futures

Scenario-based fair value ranges for Plumas Bancorp.

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$38.84
- - -
-36.8% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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