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INDICATIVE · SAMPLE DATA
PLBC$51.4459

Plumas Bancorp

BanksVerified

Plumas Bancorp has a market price of $51.44 and a market capitalization of $358.79 million, with a price-to-earnings ratio of 12.11 and a price-to-book ratio of 1.37. The company's liquidity is assessed as medium, and its debt-to-equity ratio is 0.46, indicating a moderate level of leverage. The company's profitability is reflected in a return on equity of 11.34% and a return on assets of 1.32%. These figures suggest that the company is generating a reasonable return on its equity but a relatively modest return on its total assets compared to industry standards. Plumas Bancorp's revenue is concentrated in its banking operations, with no disclosed segments or geographic breakdowns provided in the available data. The company's revenue concentration is not specified, but the absence of segment details implies a lack of diversification in its revenue streams. The company's growth trajectory is not explicitly detailed in the available data, but its current financial performance suggests a stable position in the market. The company's capital expenditure is negative, indicating a reduction in capital spending, which may affect future growth potential. The company's risk assessment indicates a medium liquidity risk and a low dilution risk. The key flag of negative net cash after subtracting total debt suggests potential liquidity constraints. The dilution risk is low, indicating that the company is not expected to issue additional shares in the near term. Recent events and filings for Plumas Bancorp are not detailed in the available data. The company's financial snapshot and valuation metrics provide a current view of its financial health, but specific recent events or strategic initiatives are not disclosed.

30-day price · PLBC(missing data)
No daily-bar history available from current data sources. Alternate source pending.
Profile
CompanyPlumas Bancorp
TickerPLBC.O
SectorFinancials
BusinessBanking & Investment Services
Industry groupBanking & Investment Services
IndustryBanks
AI analysis

Business. Plumas Bancorp operates as a bank, providing financial services to customers through its banking activities.

Classification. Plumas Bancorp is classified under the industry "Banks" within the business sector "Banking & Investment Services" with a confidence level of 0.92.

Plumas Bancorp has a market price of $51.44 and a market capitalization of $358.79 million, with a price-to-earnings ratio of 12.11 and a price-to-book ratio of 1.37. The company's liquidity is assessed as medium, and its debt-to-equity ratio is 0.46, indicating a moderate level of leverage. The company's profitability is reflected in a return on equity of 11.34% and a return on assets of 1.32%. These figures suggest that the company is generating a reasonable return on its equity but a relatively modest return on its total assets compared to industry standards. Plumas Bancorp's revenue is concentrated in its banking operations, with no disclosed segments or geographic breakdowns provided in the available data. The company's revenue concentration is not specified, but the absence of segment details implies a lack of diversification in its revenue streams. The company's growth trajectory is not explicitly detailed in the available data, but its current financial performance suggests a stable position in the market. The company's capital expenditure is negative, indicating a reduction in capital spending, which may affect future growth potential. The company's risk assessment indicates a medium liquidity risk and a low dilution risk. The key flag of negative net cash after subtracting total debt suggests potential liquidity constraints. The dilution risk is low, indicating that the company is not expected to issue additional shares in the near term. Recent events and filings for Plumas Bancorp are not detailed in the available data. The company's financial snapshot and valuation metrics provide a current view of its financial health, but specific recent events or strategic initiatives are not disclosed.
Key takeaways
  • Plumas Bancorp has a moderate level of leverage with a debt-to-equity ratio of 0.46.
  • The company's return on equity is 11.34%, indicating a reasonable return on its equity.
  • The company's liquidity is assessed as medium, suggesting potential constraints in its cash flow.
  • The company's capital expenditure is negative, indicating a reduction in capital spending.
  • The company's dilution risk is low, indicating a stable share structure.
  • --
  • # RATIONALES
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Financial snapshot
PeriodHA-latest
CurrencyUSD
Revenue$87.8M
Gross profit
Operating income
Net income$29.6M
R&D
SG&A
D&A
SBC
Operating cash flow$21.6M
CapEx-$1.3M
Free cash flow$23.4M
Total assets$2.24B
Total liabilities$1.98B
Total equity$261.1M
Cash & equivalents
Long-term debt$118.9M
Valuation
Market price$51.44
Market cap$358.8M
Enterprise value$477.7M
P/E12.1
Reported non-GAAP P/E
EV/Revenue5.4
EV/Op income
EV/OCF22.1
P/B1.4
P/Tangible book1.4
Tangible book$261.1M
Net cash-$118.9M
Current ratio
Debt/Equity0.5
ROA1.3%
ROE11.3%
Cash conversion73.0%
CapEx/Revenue-1.5%
SBC/Revenue
Asset intensity
Dilution ratio0.0%
Risk assessment
Dilution riskLow
Liquidity riskMedium
  • Net cash is negative after subtracting total debt.
Industry benchmarks
Activity: Banks · cohort 670 companies
MetricPLBCActivity
Op margin36.8% medp25 22.9% · p75 60.0%
Net margin33.7%33.6% medp25 19.4% · p75 51.1%above median
Gross margin55.0% medp25 42.9% · p75 88.7%
CapEx / revenue-1.5%-4.6% medp25 -10.4% · p75 -2.1%top quartile
Debt / equity46.0%56.1% medp25 13.2% · p75 161.2%below median
Observations
IR observations
Mean price target60.33 USD
Median price target60.00 USD
High price target63.00 USD
Low price target58.00 USD
Mean recommendation1.67 (1=strong buy, 5=strong sell)
Strong-buy count1.00
Buy count2.00
Hold count0.00
Sell count0.00
Strong-sell count0.00
Mean EPS estimate5.58 USD
Last actual EPS4.54 USD
Competitor context
JPMJPMorgan ChaseUSPeer
Derived from classification anchor Banks.
Banks, Banking & Investment Services, Financials
BACBank of AmericaUSPeer
Derived from classification anchor Banks.
Banks, Banking & Investment Services, Financials
CCitigroupUSPeer
Derived from classification anchor Banks.
Banks, Banking & Investment Services, Financials
Source data
Underlying data the analysis-pipeline pulls and audits. Fetch timestamps + content hashes show when each source was last refreshed.
Company fundamentalsperiod financials
no public URL
2026-05-16 15:07 UTC#9096b7ba
Market quoteclose USD 61.01 · shares 0.01B diluted
no public URL
2026-05-16 15:09 UTC#73619e7a
Source: analysis-pipeline (hybrid)Generated: 2026-05-29 00:07 UTCJob: f390019b