Plumas Bancorp (PLBC) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Plumas Bancorp

NasdaqCM•Financial Services•Banks - Regional

$62.44-0.80(-0.01%)Pre-market

Market Cap

$434.40M

P/E

12.1x

P/S

3.3x

P/B

1.6x

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.

How this company scores

ExcellentMetricSide Score: 80/100

Strongest: Profitability (23/25); weakest: Balance Sheet & Red Flags (12/25).

Profitability23/25

Growth22/25

Balance Sheet & Red Flags12/25

Cash & Earnings Quality23/25

Strengths

Growing revenueRising free cash flowStrong marginsRising earnings

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 12.1x5y range 8.1x – 12.2x

Currently above its 20-quarter median.

P/S · 3.3x5y range 2.6x – 4.5x

Currently near its 20-quarter median.

P/B · 1.6x5y range 1.2x – 2.3x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

High Risk

Margin Pressure

Watch

Operating margins declined 14.2% — watch for continued compression, which may signal competitive or cost pressure.

Share Dilution

Red Flag

Shares outstanding increased 18.1% — significant dilution, likely from stock compensation or capital raises.

Price & Volume

Market Cap $434.40M

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $130.85M
Q. Revenue: $33.11M
TTM EBITDA: $52.16M
TTM Op. Income: $47.72M
Q. Op. Income: $13.65M
TTM Net Income: $35.84M
Q. Net Income: $9.96M
EPS: $1.43
Shares Out.: $6.97M

$130.85M in TTM revenue grew 38.7% YoY, reaching $33.11M last quarter. TTM EBITDA of $52.16M and TTM operating income of $47.72M show growth is flowing through to the bottom line. TTM net income of $35.84M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 4 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 86.9%
EBITDA Margin: 42.6%
Op. Margin: 41.2%
Net Margin: 30.1%

Op. margin of 41.2% is up 3.5% YoY — cost efficiency is improving. Net margin at 30.1% and gross margin of 86.9% show how much of each revenue dollar survives to profit. Over the past year, operating margin is up 9% — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 12.1x
P/S Ratio: 3.3x
P/B Ratio: 1.6x

At 12.1x P/E, the stock trades below typical market levels. P/S of 3.3x and P/B of 1.6x provide additional context. P/E sits below typical market levels while revenue is growing. Over the past year, P/E is up 34% — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $2.28B
Cash: $135.55M
Long-Term Debt: N/A
Book Value: $272.13M
D/E Ratio: N/A
Debt/EBITDA: 0.0

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $11.68M
TTM Free Cash Flow: $31.73M
FCF Margin: 24.3%
FCF / Net Income: 0.9

TTM FCF of $31.73M on $11.68M in operating cash flow. The FCF / Net Income ratio of 0.9x means free cash flow covers net income — earnings are backed by cash. Across the last 8 quarters, free cash flow has risen for 2 consecutive quarters — an improving trend.