Plumas Bancorp (PLBC) Stock

Plumas Bancorp (PLBC) is a Financials stock trading at $61.55 (as of 2026-08-20), with a market capitalization of $428.89M and a trailing P/E of 13.3. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

Plumas Bancorp is the holding company for Plumas Bank, which offers banking products and services for small and middle-market businesses and individuals in Northeastern California and Northwestern Nevada. It provides deposit accounts, lending for real estate, commercial, consumer and agricultural purposes, and traditional branch and electronic banking services.

Understand Plumas Bancorp: how it makes money

Plumas Bancorp is the holding company for Plumas Bank, which takes deposits and makes loans for small and middle market businesses and individuals in Northeastern California and Northwestern Nevada, earning money primarily from its loan and deposit business.

Because about 80% of its loan portfolio is variable rate, the bank’s earnings power is structurally linked to interest rate movements, since loan yields tend to reset with rates while deposit costs may lag or lead.

Business quality (Strong): Clear regional, relationship banking model with observable operating KPIs on credit (nonperforming loans, nonperforming assets) and profitability (return on average assets and equity), but no official reportable segment breakdown is provided here.

Valuation: At 12× earnings, PLBC trades in line with the Banking average (13×). Note: one-time items can distort reported P/E.

Bull case

  • Variable rate loan mix: Variable Rate Loans as a Percentage of Loan Portfolio is 80%, which can support loan income as rates reset.
  • Profitability supported by loan and deposit operations: Return on Average Assets is 1.78 percent and Return on Average Equity is 14.9 percent (operating performance signals from the provided quarter).

Bear case

  • Credit risk still matters: Nonperforming Loans are 0.02 USD_B and Nonperforming Assets are 0.01 USD_B, so defaults or credit deterioration could affect results.
  • Geographic concentration risk: The bank serves Northeastern California and Northwestern Nevada, so local economic conditions can disproportionately impact borrowers and deposits.
Valuation — source: SEC EDGAR (first-party)
Price$61.55
Market Cap$428.89M
P/E Ratio13.3
EV / EBITDA8.3
Price / Book1.62
Price / Sales3.29
FCF Yield5.2%
DCF Value (model)$100.67
DCF Upside vs Price63.6%
Profitability & Growth — source: SEC EDGAR
Revenue (TTM)$101.65M
Net Margin29.1%
Revenue Growth (YoY)4065.5%
EPS Growth (YoY)15.7%
FCF Growth (YoY)26.5%
Valuation vs Sector & Industry
Stock P/E13.3
Sector P/E (Financials)15.1
Industry P/E (Banking)12.9
vs Sector-12.0%
vs Industry3.1%
Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional HolderFMR LLC ($20.77M)
Institutional Holders Tracked10
Company
SectorFinancials
IndustryBanking
CEOAndrew J. Ryback
Employees183
CountryUS
IPO Date2002-12-11

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PLBC earnings history · PLBC institutional & insider holders · PLBC KPIs & operating metrics · PLBC financials · PLBC investor presentations & press releases · PLBC SEC filings · PLBC peers · Congress trades · Insider trades · Short interest · Stock screener

Data as of 2026-08-20.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.