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Upturn AI Summary - About
Plumas Bancorp(PLBC)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for PLBC
10/09/2026: PLBC (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Plumas Bancorp is a stable community bank holding company serving northern California and Nevada. The stock is best suited for income and value-oriented investors who value steady dividend payouts and a conservative approach to banking. Its primary strengths are its deep-rooted local relationships and niche expertise in agricultural and small business lending. However, the company faces risks, including geographic concentration in a specific rural corridor and sensitivity to fluctuating interest rate margins. Growth is largely steady and organic, making it a reliable but slow-moving regional play. Investors should monitor the bank's ability to navigate potential regional economic downturns and successfully expand its digital offerings to stay competitive.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | Growth is largely organic and tied to regional economic health rather than aggressive market disruption. |
| Momentum investor | Weak fit | The stock typically exhibits lower volatility and lower turnover than required for a high-momentum strategy. |
| Value investor | Strong fit | The company often trades at reasonable multiples relative to its earnings stability and historical book value. |
| Dividend investor | Strong fit | Consistent dividend payouts make it an attractive option for income-focused portfolios. |
| Low-risk investor | Strong fit | Its conservative business model and focus on regional lending provide a relatively stable risk profile. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Fluctuations in interest rates and regional economic conditions can cause stock price movement. |
| Valuation risk | Medium | Market pricing of regional banks can be sensitive to macroeconomic sentiment. |
| Competition risk (Community and Regional Banking) | Medium / high | The sector faces pressure from both digital competitors and larger, diversified financial institutions. |
| Business quality | Strong | The company has a long-standing history of solid credit management and localized service. |
| Dividend income | Low | Dividend reliability is supported by stable earnings but is not immune to cyclical downturns. |
| Execution risk | Medium | Successfully expanding into new regions while maintaining loan quality requires disciplined execution. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 15.48% | Avg. Invested days 48 | Today’s Advisory WEAK BUY |
Upturn Advisory Rating  | Upturn Advisory Performance  2.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 10/09/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 424.22M USD | Price to earnings Ratio 11.91 | 1Y Target Price 67.33 |
Price to earnings Ratio 11.91 | 1Y Target Price 67.33 | ||
Volume (30-day avg) 50.5K shares | Beta 0.59 | 52 Weeks Range 38.80 - 64.00 | Updated Date 10/11/2026 |
52 Weeks Range 38.80 - 64.00 | Updated Date 10/11/2026 | ||
Dividends yield (FY) 2.04% | Basic EPS (TTM) 5.12 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on commercial and consumer loans minus interest paid on customer deposits. | Most profit comes from the 'spread'—the difference between what the bank earns on loans and pays on deposits. |
| Non-Interest Income | Service fees, wealth management fees, and deposit account charges. | Secondary revenue stream that helps stabilize income beyond fluctuating interest rates. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Valuation
Trailing PE 11.91 | Forward PE 16.81 | Enterprise Value 491.31M | Price to Sales(TTM) 3.97 |
Enterprise Value 491.31M | Price to Sales(TTM) 3.97 | ||
Enterprise Value to Revenue 4.48 | Enterprise Value to EBITDA - | Shares Outstanding 6.96M | Shares Floating 6.48M |
Shares Outstanding 6.96M | Shares Floating 6.48M | ||
Percent Insiders 6.39 | Percent Institutions 51.23 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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