Plumas Bancorp (PLBC) Stock Price, News & Analysis

Company Overview

Plumas Bancorp (NASDAQ:PLBC) is a bank holding company headquartered in Quincy, California, and the parent of Plumas Bank. The company focuses on community banking, delivering personalized financial solutions to individuals, families, small businesses and agricultural clients. Through its subsidiary, Plumas Bank offers a comprehensive range of deposit and lending products designed to meet the unique needs of customers in Northern California’s rural and semi-rural markets.

Plumas Bank’s product lineup includes checking and savings accounts, money market funds and certificates of deposit, alongside a variety of consumer lending options such as residential mortgages, home equity lines of credit and installment loans. For business clients, the bank provides business checking and savings accounts, commercial real estate loans, agricultural financing, equipment financing, lines of credit and treasury management services. Digital banking features—including online and mobile banking, electronic fund transfers and remote deposit capture—enhance access and convenience for account holders.

Since its founding in the early 1980s, Plumas Bancorp has adhered to a community-oriented banking model that emphasizes local decision-making and relationship-driven service. The company’s branch network spans multiple Northern California counties, including Plumas, Sierra, Butte and Tehama, enabling it to maintain close ties with the communities it serves. This localized approach allows Plumas Bank to tailor its offerings to regional economic conditions and customer preferences.

Governed by a board of directors and led by a management team rooted in the local market, Plumas Bancorp pursues steady, organic growth. The company’s strategic priorities include expanding its branch footprint selectively and deepening customer relationships through a full suite of financial products. By leveraging its community focus, Plumas Bancorp aims to support the continued economic development of the Northern California regions in which it operates.

Key Stats

• Today's Range: $43.63 to $44.72
• 50-Day Range: $40.01 to $46.51
• 52-Week Range: $37.69 to $51.33
• Volume: 6,638 shs
• Average Volume: 12,275 shs
• Market Capitalization: $313.51 million
• P/E Ratio: 9.38
• Dividend Yield: 2.66%
• Price Target: $58.00
• Consensus Rating: Buy

Plumas Bancorp Stock Analysis - MarketRank™

Plumas Bancorp scored higher than 99% of companies evaluated by MarketBeat, and ranked 25th out of 951 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 3.9 / 5
• Analyst Rating: Buy

Consensus Rating

Plumas Bancorp has received a consensus rating of Buy. The company's average rating score is 3.00, and is based on 3 buy ratings, no hold ratings, and no sell ratings.

Upside Potential

Plumas Bancorp has a consensus price target of $58.00, representing about 31.2% upside from its current price of $44.22.

Amount of Analyst Coverage

Plumas Bancorp has only been the subject of 2 research reports in the past 90 days.

Earnings and Valuation

• Score: 3.1 / 5
• Proj. Earnings Growth: 22.62%

Earnings Growth

Earnings for Plumas Bancorp are expected to grow by 22.62% in the coming year, from $4.51 to $5.53 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Plumas Bancorp is 9.10, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 280.62.

Price to Earnings Ratio vs. Sector

The P/E ratio of Plumas Bancorp is 9.10, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 244.66.

Price to Book Value per Share Ratio

Plumas Bancorp has a P/B Ratio of 1.47. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 5.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.49% of the float of Plumas Bancorp has been sold short.

Short Interest Ratio / Days to Cover

Plumas Bancorp has a short interest ratio ("days to cover") of 2.3, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Plumas Bancorp has recently decreased by 6.21%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Yield

Plumas Bancorp pays a meaningful dividend of 2.75%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

Plumas Bancorp has only been increasing its dividend for 1 years.

Dividend Coverage

The dividend payout ratio of Plumas Bancorp is 24.74%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, Plumas Bancorp will have a dividend payout ratio of 21.70% next year. This indicates that Plumas Bancorp will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: 3.2 / 5
• Environmental Score: -0.65

Percentage of Shares Shorted

0.49% of the float of Plumas Bancorp has been sold short.

Short Interest Ratio / Days to Cover

Plumas Bancorp has a short interest ratio ("days to cover") of 2.3, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Plumas Bancorp has recently decreased by 6.21%, indicating that investor sentiment is improving significantly.

News and Social Media

• Score: 1.5 / 5
• News Sentiment: 0.64

News Sentiment

Plumas Bancorp has a news sentiment score of 0.64. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 1.02 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 3 news articles for Plumas Bancorp this week, compared to 3 articles on an average week.

Company Ownership

• Score: 2.5 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, Plumas Bancorp insiders have sold 93.35% more of their company's stock than they have bought. Specifically, they have bought $31,877.00 in company stock and sold $61,635.00 in company stock.

Percentage Held by Insiders

Only 9.00% of the stock of Plumas Bancorp is held by insiders.

Percentage Held by Institutions

41.68% of the stock of Plumas Bancorp is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

PLBC Stock Analysis - Frequently Asked Questions

How have PLBC shares performed this year?

Plumas Bancorp's stock was trading at $47.26 on January 1st, 2025. Since then, PLBC stock has decreased by 6.4% and is now trading at $44.2240.

How were Plumas Bancorp's earnings last quarter?

Plumas Bancorp (NASDAQ:PLBC) issued its earnings results on Wednesday, July, 16th. The financial services provider reported $1.05 earnings per share (EPS) for the quarter, missing analysts' consensus estimates of $1.20 by $0.15. The financial services provider had revenue of $20.54 million for the quarter, compared to analysts' expectations of $21 million. Plumas Bancorp had a trailing twelve-month return on equity of 15.71% and a net margin of 30.81%.

Who are Plumas Bancorp's major shareholders?

Plumas Bancorp's top institutional shareholders include The Manufacturers Life Insurance Company (2.59%), De Lisle Partners LLP (2.40%), Geode Capital Management LLC (2.16%) and Albert D Mason Inc. (0.53%). Insiders that own company stock include Richard L Belstock, Richard Francis Kenny, Michonne R Ascuaga, Aaron M Boigon, Michael Kevin Foster, Sushil Amathalal Patel and Bj North.
View institutional ownership trends.

How do I buy shares of Plumas Bancorp?

Shares of PLBC stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Plumas Bancorp own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Plumas Bancorp investors own include Tesla (TSLA), JPMorgan Chase & Co. (JPM), Netflix (NFLX), Advanced Micro Devices (AMD), NVIDIA (NVDA), Meta Platforms (META) and Alphabet (GOOG).

Company Calendar

• Last Earnings: 7/16/2025
• Record date for 8/15 Dividend: 8/01/2025
• Ex-Dividend for 8/15 Dividend: 8/01/2025
• Dividend Payable: 8/15/2025
• Today: 9/17/2025
• Next Earnings (Estimated): 10/15/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: BANKS - WEST
• Sub-Industry: Banking
• Current Symbol: NASDAQ:PLBC
• CIK: 1168455
• Web: www.plumasbank.com
• Phone: (775) 786-0907
• Fax: 530-283-3557
• Employees: 190
• Year Founded: 1980

Price Target and Rating

• Average Price Target for Plumas Bancorp: $58.00
• High Price Target: $64.00
• Low Price Target: $50.00
• Potential Upside/Downside: +33.1%
• Consensus Rating: Buy
• Rating Score (0-4): 3.00
• Research Coverage: 3 Analysts

Profitability

• EPS (Trailing Twelve Months): $4.85
• Trailing P/E Ratio: 8.98
• Forward P/E Ratio: 9.66
• P/E Growth: N/A
• Net Income: $28.62 million
• Net Margins: 30.81%
• Pretax Margin: 42.43%
• Return on Equity: 15.71%
• Return on Assets: 1.78%

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: 0.80
• Quick Ratio: 0.80

Sales & Book Value

• Annual Sales: $93.11 million
• Price / Sales: 3.25
• Cash Flow: $5.24 per share
• Price / Cash Flow: 8.31
• Book Value: $30.17 per share
• Price / Book: 1.44

Miscellaneous

• Outstanding Shares: 6,950,000
• Free Float: 6,322,000
• Market Cap: $302.74 million
• Optionable: Not Optionable
• Beta: 0.68