📊 PLBC Key Takeaways
Is Plumas Bancorp (PLBC) a Good Investment?
Strong operational profitability (44.9% operating margin) and robust cash flow generation are significantly undermined by critically low returns on equity (3.7%) and declining EPS despite 15.8% revenue growth, indicating fundamental capital inefficiency in the short-term lending business. Structural issues with asset deployment require resolution before positive rating justified.
Why Buy Plumas Bancorp Stock? PLBC Key Strengths
- Exceptional operating margins at 44.9% with 33.2% net margin demonstrating pricing power in short-term lending
- Strong revenue growth of 15.8% YoY with robust free cash flow generation at 31.6% FCF margin
- Conservative balance sheet with zero long-term debt and solid equity base of $265.4M provides financial stability
PLBC Stock Risks: Plumas Bancorp Investment Risks
- Critically low ROE of 3.7% and ROA of 0.4% indicate severe capital inefficiency well below financial services peer standards
- EPS declining 5.4% YoY despite 15.8% revenue growth suggests operational leverage collapse and potential margin compression
- Low returns on deployed capital suggest business model challenges in competitive short-term lending market with deteriorating asset quality or yields
Key Metrics to Watch
- Return on Equity trajectory - must improve toward 10%+ industry standard
- Diluted EPS growth - need acceleration in earnings per share to validate business model
- Net Interest Margin and loan portfolio yield trends - to diagnose root cause of capital inefficiency
Plumas Bancorp (PLBC) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 31.6% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
PLBC Profit Margin, ROE & Profitability Analysis
PLBC vs Finance Sector: How Plumas Bancorp Compares
How Plumas Bancorp compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Plumas Bancorp Stock Overvalued? PLBC Valuation Analysis 2026
Based on fundamental analysis, Plumas Bancorp has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Plumas Bancorp Balance Sheet: PLBC Debt, Cash & Liquidity
PLBC Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Plumas Bancorp's revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $5.02 reflects profitable operations.
PLBC Revenue Growth, EPS Growth & YoY Performance
PLBC Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2025 | $766.0K | $5.1M | $0.73 |
| Q2 2025 | $743.0K | $6.3M | $1.05 |
| Q1 2025 | $705.0K | $6.3M | $1.05 |
| Q3 2024 | $737.0K | $7.8M | $1.31 |
| Q2 2024 | $694.0K | $6.7M | $1.12 |
| Q1 2024 | $617.0K | $6.3M | $1.05 |
| Q3 2023 | $666.0K | $7.2M | $1.23 |
| Q2 2023 | $604.0K | $5.7M | $0.96 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
Plumas Bancorp Dividends, Buybacks & Capital Allocation
PLBC SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Plumas Bancorp (CIK: 0001168455)
📋 Recent SEC Filings
❓ Frequently Asked Questions about PLBC
What is the AI rating for PLBC?
Plumas Bancorp (PLBC) has an AI rating of HOLD with 55% confidence, based on fundamental analysis of SEC EDGAR filings.
What are PLBC's key strengths?
Claude: Exceptional operating margins at 44.9% with 33.2% net margin demonstrating pricing power in short-term lending. Strong revenue growth of 15.8% YoY with robust free cash flow generation at 31.6% FCF margin.
What are the risks of investing in PLBC?
Claude: Critically low ROE of 3.7% and ROA of 0.4% indicate severe capital inefficiency well below financial services peer standards. EPS declining 5.4% YoY despite 15.8% revenue growth suggests operational leverage collapse and potential margin compression.
What is PLBC's revenue and growth?
Plumas Bancorp reported revenue of $29.4M.
Does PLBC pay dividends?
Plumas Bancorp pays dividends, with $2.3M distributed to shareholders in the trailing twelve months.
Where can I find PLBC SEC filings?
Official SEC filings for Plumas Bancorp (CIK: 0001168455) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is PLBC's EPS?
Plumas Bancorp has a diluted EPS of $1.38.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is PLBC a good stock to buy right now?
Based on our AI fundamental analysis in May 2026, Plumas Bancorp has a HOLD rating with 55% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is PLBC stock overvalued or undervalued?
Valuation metrics for PLBC: ROE of 3.7% (sector avg: 12%), net margin of 33.2% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
Should I buy PLBC stock in 2026?
Our dual AI analysis gives Plumas Bancorp a combined HOLD rating for 2026. Revenue is data pending, with profitability above sector average. Always conduct your own research.
What is PLBC's free cash flow?
Plumas Bancorp's operating cash flow is $9.4M, with capital expenditures of $137.0K. FCF margin is 31.6%.
How does PLBC compare to other Finance stocks?
Vs Finance sector averages: Net margin 33.2% (avg: 25%), ROE 3.7% (avg: 12%), current ratio N/A (avg: 1.2).