Symbols / PLBC Stock $51.25 -0.89% Plumas Bancorp

Financial Services • Banks - Regional • United States • NCM
PLBC (Stock) Chart
O: — H: — L: — C: — V: —
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Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. Andrew J. Ryback CPA
Exch · Country NCM · United States
Market Cap 357.67M
Enterprise Value 438.76M
Income 32.20M
Sales 98.41M
FCF (ttm) —
Book/sh 37.52
Cash/sh 9.02
Employees 232
Insider 10d —
IPO Dec 11, 2002
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 26.06%
P/E 10.86
Forward P/E 8.89
PEG 1.49
P/S 3.63
P/B 1.37
P/C —
EV/EBITDA —
EV/Sales 4.46
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) 4.72
EPS next Y 5.77
EPS Growth 15.00%
Revenue Growth 32.40%
EPS Gr Q/Q 36.00%
Rev Gr Q/Q —
Earnings (next) 2026-04-15
Earnings (prior) 2026-04-15
ROA 1.68%
ROE 14.22%
ROIC —
Gross Margin 0.00%
Oper. Margin 51.77%
Profit Margin 32.72%
Shs Outstand 6.97M
Shs Float 6.41M
Insider Own 7.65%
Instit Own 45.98%
Short Float 0.88%
Short Ratio 0.91
Short Interest 57.34K
52W High 54.58
vs 52W High -6.10%
52W Low 39.70
vs 52W Low 29.09%
Beta 0.58
Impl. Vol. —
Rel Volume 0.48
Avg Volume 44.88K
Volume 21.33K
Target (mean) $60.33
Tgt Median $60.00
Tgt Low $58.00
Tgt High $63.00
# Analysts 3
Recom Buy
Prev Close $51.71
Price $51.25
Change -0.89%
About

Plumas Bancorp operates as the bank holding company for the Plumas Bank that provides various banking products and services for small and middle market businesses and individuals. The company accepts various deposits, such as checking, money market checking, business sweep, public funds sweep, savings, and retirement accounts, as well as time and remote deposits. Its loan portfolio comprises personal and commercial loans, real estate, construction, agricultural, and government-guaranteed loans; residential and home equity lines of credit; land development and construction loans; automobile loans; consumer loans; purchased credit deteriorated (PCD) and non-PCD loans; and small business administration loans. In addition, the company provides telephone and mobile banking, internet banking with bill-pay options, cashier's check, bank-by-mail, automated teller machine, night depository, safe deposit box, direct and mobile deposit, electronic funds transfer, FedNow®-receive Service, and other customary banking services. Plumas Bancorp was founded in 1980 and is headquartered in Reno, Nevada.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$60.33
Mean price target
2. Current target
$51.25
Latest analyst target
3. DCF / Fair value
$70.80
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$51.25
Low
$58.00
High
$63.00
Mean
$60.33

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-04-16 main Piper Sandler Overweight → Overweight $63
2026-04-16 main Stephens & Co. Overweight → Overweight $60
2026-04-02 main Piper Sandler Overweight → Overweight $59
2025-10-16 main Piper Sandler Overweight → Overweight $61
2025-07-17 main Piper Sandler Overweight → Overweight $64
2025-07-08 reit Raymond James Outperform → Outperform $50
2025-04-17 main Piper Sandler Overweight → Overweight $59
2025-02-27 init Piper Sandler — → Overweight $60
2025-01-30 reit Raymond James Outperform → Outperform $54
2025-01-16 reit Raymond James Outperform → Outperform $49
2024-11-27 init Stephens & Co. — → Overweight $60
2024-10-02 main Raymond James Outperform → Outperform $45
2024-01-19 main Raymond James Outperform → Outperform $40
2023-08-31 init Raymond James — → Outperform $38
News
RSS: Latest PLBC news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-03-19 KENNY RICHARD FRANCIS Director — 2,000 $21.45 $42,900
2026-03-10 BELSTOCK RICHARD L Chief Financial Officer — 2,500 $31.00 $77,500
2026-03-04 ASCUAGA MICHONNE R. Director — 3,200 $21.45 $68,640
2026-02-24 O GARA HEIDI S Director — 3,600 $21.45 $81,040
2026-02-20 ROBISON KENNETH EDWARD III Director — 800 $52.75 $42,205
2026-02-18 MOSELEY MATTHEW BROCK Officer — 42 $53.04 $2,228
2026-02-12 COLDANI STEVEN M Director — 2,500 $24.40 $61,000
2026-02-04 WEST DANIEL E Director — 2,500 $24.40 $61,000
2026-01-27 RYBACK ANDREW J Chief Executive Officer — 2,534 $31.00 $78,554
2026-01-27 ROBISON KENNETH EDWARD III Director — 500 $49.34 $24,670
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
92.42
+48.51%
62.23
-22.30%
80.09
+15.60%
69.28
Operating Revenue
92.42
+48.51%
62.23
-22.30%
80.09
+15.60%
69.28
Selling General And Administration
28.74
+18.51%
24.25
+6.55%
22.76
+18.19%
19.26
Selling And Marketing Expense
1.15
+11.17%
1.03
+9.46%
0.94
+39.82%
0.67
General And Administrative Expense
27.60
+18.84%
23.22
+6.43%
21.82
+17.41%
18.59
Salaries And Wages
26.73
+18.93%
22.47
+6.59%
21.08
+16.76%
18.06
Other Gand A
—
—
—
0.78
Reconciled Depreciation
2.83
+89.51%
1.50
-10.26%
1.67
-12.22%
1.90
Total Unusual Items
3.58
-81.98%
19.85
0.00
0.00
Total Unusual Items Excluding Goodwill
3.58
-81.98%
19.85
0.00
0.00
Special Income Charges
3.58
-81.98%
19.85
0.00
0.00
Other Special Charges
-5.54
+72.10%
-19.85
—
—
Restructuring And Mergern Acquisition
1.96
0.00
0.00
—
Net Income
29.62
+3.49%
28.62
-3.89%
29.78
+12.60%
26.44
Pretax Income
39.59
+1.52%
39.00
-3.01%
40.21
+12.73%
35.67
Net Interest Income
87.77
+19.11%
73.69
+5.58%
69.79
+19.29%
58.51
Interest Expense
13.88
+30.50%
10.63
+121.63%
4.80
+284.15%
1.25
Interest Income
101.65
+20.54%
84.33
+13.05%
74.59
+24.82%
59.76
Gain On Sale Of Security
-5.81
+70.68%
-19.82
0.00
0.00
Tax Provision
9.97
-3.92%
10.38
-0.51%
10.44
+13.12%
9.22
Tax Rate For Calcs
0.00
-5.37%
0.00
+2.58%
0.00
+0.20%
0.00
Tax Effect Of Unusual Items
0.90
-82.95%
5.29
0.00
0.00
Net Income Including Noncontrolling Interests
29.62
+3.49%
28.62
-3.89%
29.78
+12.60%
26.44
Net Income From Continuing Operation Net Minority Interest
29.62
+3.49%
28.62
-3.89%
29.78
+12.60%
26.44
Net Income From Continuing And Discontinued Operation
29.62
+3.49%
28.62
-3.89%
29.78
+12.60%
26.44
Net Income Continuous Operations
29.62
+3.49%
28.62
-3.89%
29.78
+12.60%
26.44
Normalized Income
26.94
+91.75%
14.05
-52.81%
29.78
+12.60%
26.44
Net Income Common Stockholders
29.62
+3.49%
28.62
-3.89%
29.78
+12.60%
26.44
Diluted EPS
—
4.80
-4.38%
5.02
+12.30%
4.47
Basic EPS
—
4.85
-4.53%
5.08
+12.14%
4.53
Basic Average Shares
—
5.89
+0.55%
5.86
+0.39%
5.84
Diluted Average Shares
—
5.97
+0.57%
5.93
+0.37%
5.91
Diluted NI Availto Com Stockholders
29.62
+3.49%
28.62
-3.89%
29.78
+12.60%
26.44
Amortization
1.30
+546.77%
0.20
-15.19%
0.24
-16.55%
0.28
Amortization Of Intangibles Income Statement
1.30
+546.77%
0.20
-15.19%
0.24
-16.55%
0.28
Depreciation Amortization Depletion Income Statement
1.30
+546.77%
0.20
-15.19%
0.24
-16.55%
0.28
Depreciation And Amortization In Income Statement
1.30
+546.77%
0.20
-15.19%
0.24
-16.55%
0.28
Insurance And Claims
0.87
+16.13%
0.75
+1.76%
0.74
+39.58%
0.53
Occupancy And Equipment
10.16
+19.74%
8.48
+39.76%
6.07
+14.83%
5.29
Other Non Interest Expense
8.13
+7.81%
7.54
+11.24%
6.78
+9.26%
6.21
Professional Expense And Contract Services Expense
1.22
-13.29%
1.41
+11.84%
1.26
-1.87%
1.28
Line Item Trend 2023-12-31
Total Assets
1,610.42
Cash And Cash Equivalents
85.66
Other Short Term Investments
489.18
Receivables
—
Accounts Receivable
—
Net PPE
21.87
Gross PPE
38.48
Accumulated Depreciation
-16.61
Land And Improvements
4.57
Buildings And Improvements
23.36
Machinery Furniture Equipment
7.63
Other Properties
2.93
Goodwill And Other Intangible Assets
5.50
Goodwill
5.50
Other Intangible Assets
—
Investments And Advances
489.18
Total Liabilities Net Minority Interest
1,463.10
Payables And Accrued Expenses
—
Payables
—
Accounts Payable
—
Long Term Debt And Capital Lease Obligation
93.00
Long Term Debt
90.00
Long Term Capital Lease Obligation
3.00
Stockholders Equity
147.32
Common Stock Equity
147.32
Capital Stock
28.03
Common Stock
28.03
Preferred Stock
0.00
Share Issued
5.87
Ordinary Shares Number
5.87
Treasury Shares Number
0.00
Retained Earnings
151.75
Gains Losses Not Affecting Retained Earnings
-32.46
Other Equity Adjustments
-32.46
Total Equity Gross Minority Interest
147.32
Total Capitalization
237.32
Invested Capital
237.32
Total Debt
93.00
Net Debt
4.34
Capital Lease Obligations
3.00
Net Tangible Assets
141.81
Tangible Book Value
141.81
Available For Sale Securities
—
Cash Cash Equivalents And Federal Funds Sold
85.66
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
21.59
-29.24%
30.51
-20.42%
38.34
-32.60%
56.88
Cash Flow From Continuing Operating Activities
21.59
-29.24%
30.51
-20.42%
38.34
-32.60%
56.88
Net Income From Continuing Operations
29.62
+3.49%
28.62
-3.89%
29.78
+12.60%
26.44
Depreciation Amortization Depletion
2.83
+89.51%
1.50
-10.26%
1.67
-12.22%
1.90
Depreciation And Amortization
2.83
+89.51%
1.50
-10.26%
1.67
-12.22%
1.90
Other Non Cash Items
-9.90
-1082.68%
-0.84
-123.60%
3.55
-87.89%
29.30
Stock Based Compensation
0.34
-31.67%
0.50
+55.90%
0.32
+22.90%
0.26
Deferred Tax
2.27
+4301.85%
-0.05
+92.31%
-0.70
-167.96%
1.03
Deferred Income Tax
2.27
+4301.85%
-0.05
+92.31%
-0.70
-167.96%
1.03
Operating Gains Losses
0.32
+457.89%
0.06
+127.67%
-0.21
+92.20%
-2.64
Gain Loss On Investment Securities
5.81
-70.68%
19.82
0.00
0.00
Gain Loss On Sale Of PPE
-5.49
+72.15%
-19.72
-70539.29%
0.03
-48.15%
0.05
Change In Working Capital
-7.78
-7240.57%
-0.11
-116.26%
0.65
+141.79%
-1.56
Change In Receivables
-5.29
-412.72%
1.69
+404.48%
0.34
+130.62%
-1.09
Changes In Account Receivables
-5.29
-412.72%
1.69
+404.48%
0.34
+130.62%
-1.09
Change In Payables And Accrued Expense
-1.91
-23.29%
-1.55
-343.46%
0.64
-66.53%
1.90
Change In Payable
-1.91
-23.29%
-1.55
-343.46%
0.64
-66.53%
1.90
Change In Account Payable
-1.91
-23.29%
-1.55
-343.46%
0.64
-66.53%
1.90
Investing Cash Flow
70.32
+586.30%
10.25
+111.32%
-90.55
+66.56%
-270.77
Cash Flow From Continuing Investing Activities
70.32
+586.30%
10.25
+111.32%
-90.55
+66.56%
-270.77
Net PPE Purchase And Sale
4.04
-83.85%
25.01
+1197.98%
-2.28
+24.64%
-3.02
Purchase Of PPE
-1.31
-93.36%
-0.68
+70.24%
-2.28
+24.64%
-3.02
Sale Of PPE
5.35
-79.17%
25.69
0.00
0.00
Capital Expenditure
-1.31
-93.36%
-0.68
+70.24%
-2.28
+24.64%
-3.02
Net Investment Purchase And Sale
65.16
+53.74%
42.38
+214.89%
-36.89
+81.13%
-195.49
Purchase Of Investment
-122.87
-1.70%
-120.81
-65.24%
-73.11
+67.80%
-227.07
Sale Of Investment
188.02
+15.21%
163.19
+350.55%
36.22
+14.70%
31.58
Net Business Purchase And Sale
35.78
0.00
0.00
0.00
Net Other Investing Changes
-1.08
-196.77%
1.12
+168.89%
-1.62
-356.33%
0.63
Financing Cash Flow
-93.31
-110.19%
-44.39
+2.56%
-45.56
-372.42%
16.72
Cash Flow From Continuing Financing Activities
-93.31
-110.19%
-44.39
+2.56%
-45.56
-372.42%
16.72
Net Issuance Payments Of Debt
-20.75
+72.33%
-75.00
-183.33%
90.00
0.00
Issuance Of Debt
0.00
-100.00%
110.00
+22.22%
90.00
0.00
Repayment Of Debt
-20.75
+88.78%
-185.00
0.00
0.00
Long Term Debt Issuance
0.00
-100.00%
110.00
+22.22%
90.00
0.00
Long Term Debt Payments
-20.75
+88.78%
-185.00
0.00
0.00
Net Long Term Debt Issuance
-20.75
+72.33%
-75.00
-183.33%
90.00
0.00
Common Stock Dividend Paid
-7.72
-21.29%
-6.37
-8.58%
-5.86
-56.86%
-3.74
Cash Dividends Paid
-7.72
-21.29%
-6.37
-8.58%
-5.86
-56.86%
-3.74
Repurchase Of Capital Stock
0.00
0.00
+100.00%
-10.31
0.00
Proceeds From Stock Option Exercised
1.10
+117.52%
0.51
+49.85%
0.34
+9.71%
0.31
Changes In Cash
-1.40
+61.45%
-3.64
+96.28%
-97.77
+50.41%
-197.16
Beginning Cash Position
82.02
-4.25%
85.66
-53.30%
183.43
-51.80%
380.58
End Cash Position
80.62
-1.71%
82.02
-4.25%
85.66
-53.30%
183.43
Free Cash Flow
20.28
-32.03%
29.83
-17.27%
36.06
-33.05%
53.86
Interest Paid Supplemental Data
14.29
+66.70%
8.57
+136.33%
3.63
+191.17%
1.25
Income Tax Paid Supplemental Data
8.60
-10.98%
9.65
-21.25%
12.26
+77.70%
6.90
Net Preferred Stock Issuance
0.00
0.00
+100.00%
-10.31
0.00
Preferred Stock Payments
0.00
0.00
+100.00%
-10.31
0.00
Sale Of Business
35.78
0.00
0.00
0.00
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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