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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 Small Cap
Plumas Bancorp (PLBC), is a Small Cap company, in the Banks - Regional industry, last closed at $51.60, about 29.9% overvalued vs fair value, +18.0% 1Y return, placing in the top 25% of its sector.
Metrics Rev Growth 74.0% ROE 13.5% Gross Margin 80.9%
$51.60
0.79%
As of April 28, 2026
Previous close • Vol 90d: 25.7%
52-Week Range
Market Cap
$360.10M
Enterprise Value
$300.50M
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Good
Health
Fair
Efficiency
Fair
Valuation
Fair
Growth
Fair
Profitability
Good
Health
Fair
Efficiency
Fair
Valuation
Fair
Completeness: 82%
Confidence: 88%
Updated: Mar 8
Top Beats
No strong beats yet

Quick Facts

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

Next Events

Earnings Apr 15

Fair Value Snapshot

Bear Base Bull
$20
$36
$68
Current: $51.60 -30% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$84.3M
13%%
Interest Expense
$13.9M
Net Interest Income
$73.7M
5.6%%
Total Revenue
$108.2M
73.9%%
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
16.1%
Excellent

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

$6.4M
22.2% 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
73
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
65
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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 (37.9%), Profitability (41.9%), and Safety (20.2%). Growth 38% Safety 20% Profitability 42%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

74th percentile vs peers
75
Key Signals
Asset Growth YoY 37.9% 96p NII Growth YoY 5.6% 64p Equity Growth YoY 20.8% 88p EPS Growth YoY -4.4% 42p
Strengths
  • Asset Growth YoY in top 20% of peers (37.9%, 96th percentile)
  • Equity Growth YoY in top 20% of peers (20.8%, 88th percentile)
  • Net Interest Margin in top 20% of peers (4.5%, 92th percentile)
  • ROTE in top 20% of peers (18.2%, 89th percentile)
Risks

No significant risks identified for this axis.

Profitability

82th percentile vs peers
83
Key Signals
Strengths
Risks
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Safety

39th percentile vs peers
40
Key Signals
Strengths
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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:

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  • 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
$36.19
- - -
-29.9% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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