Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Revenue
- Valuation
Upturn AI SWOT - About
PLBC 
Plumas Bancorp (PLBC)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
08/28/2025: PLBC (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
3 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $55.33
1 Year Target Price $55.33
| 1 | Strong Buy |
| 2 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -16.46% | Avg. Invested days 35 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/28/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 301.44M USD | Price to earnings Ratio 8.86 | 1Y Target Price 55.33 |
Price to earnings Ratio 8.86 | 1Y Target Price 55.33 | ||
Volume (30-day avg) 3 | Beta 0.63 | 52 Weeks Range 36.68 - 50.28 | Updated Date 08/29/2025 |
52 Weeks Range 36.68 - 50.28 | Updated Date 08/29/2025 | ||
Dividends yield (FY) 2.65% | Basic EPS (TTM) 4.9 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 34.62% | Operating Margin (TTM) 46.5% |
Management Effectiveness
Return on Assets (TTM) 1.78% | Return on Equity (TTM) 16.24% |
Valuation
Trailing PE 8.86 | Forward PE - | Enterprise Value 317728704 | Price to Sales(TTM) 3.59 |
Enterprise Value 317728704 | Price to Sales(TTM) 3.59 | ||
Enterprise Value to Revenue 4.02 | Enterprise Value to EBITDA - | Shares Outstanding 6947120 | Shares Floating 6188359 |
Shares Outstanding 6947120 | Shares Floating 6188359 | ||
Percent Insiders 10.32 | Percent Institutions 40.27 |
Upturn AI SWOT
Plumas Bancorp
Company Overview
History and Background
Plumas Bancorp was founded in 1980 in Quincy, California. It operates as the bank holding company for Plumas Bank. The bank has focused on providing community banking services in Northern California and Nevada. Over the years, it has grown organically and through strategic acquisitions to expand its presence in its target markets.
Core Business Areas
- Commercial Banking: Provides a range of lending and deposit products and services to small and medium-sized businesses. This includes commercial loans, lines of credit, and treasury management services.
- Retail Banking: Offers personal banking services, including checking and savings accounts, mortgages, and consumer loans to individuals and families.
- Wealth Management: Provides investment advisory and wealth management services to individuals, families, and businesses.
Leadership and Structure
Andrew J. Ryback serves as the CEO of Plumas Bancorp. The company has a traditional hierarchical structure, with various departments and regional management teams reporting to the executive leadership.
Top Products and Market Share
Key Offerings
- Commercial Loans: Commercial loans are a significant revenue driver for Plumas Bancorp. They include term loans, lines of credit, and real estate loans offered to businesses. Market share data is not explicitly available, but Plumas Bank competes with regional and national banks for commercial lending customers. Competitors include larger regional banks like Umpqua Bank and national banks with a presence in the area.
- Mortgages: Plumas Bancorp offers residential mortgage loans to individuals. Mortgage revenue is influenced by interest rate environments. Specific market share data is not public. Competitors include national mortgage lenders like Wells Fargo and Bank of America, as well as local credit unions.
- Deposit Accounts: Checking, Savings, and Money Market accounts, make up a significant amount of holdings. Specific market share data is not public. Competitors include Bank of America, Chase Bank, and Wells Fargo, as well as local credit unions.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing regulatory scrutiny, rising interest rates, technological advancements, and heightened competition from both traditional and non-traditional financial institutions.
Positioning
Plumas Bancorp is positioned as a community bank focused on serving the needs of small businesses and individuals in Northern California and Nevada. Its competitive advantages include local market knowledge and personalized service.
Total Addressable Market (TAM)
The TAM for community banking in Plumas Bancorp's operating region is estimated to be in the billions of dollars. Plumas Bancorp's positioning with a local focus allows it to capture a share of this market by building relationships and providing specialized services.
Upturn SWOT Analysis
Strengths
- Strong local market presence
- Experienced management team
- Focus on relationship banking
- Solid asset quality
Weaknesses
- Limited geographic diversification
- Smaller scale compared to larger banks
- Dependence on local economy
- Technology adoption may lag behind larger competitors
Opportunities
- Expansion into new markets within California and Nevada
- Increased demand for community banking services
- Growth in wealth management business
- Leveraging technology to improve efficiency
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn in California and Nevada
- Rising interest rates
- Increased regulatory burden
Competitors and Market Share
Key Competitors
- UMPQ
- BANC
- CASH
Competitive Landscape
Plumas Bancorp faces competition from larger regional and national banks, as well as smaller community banks and credit unions. Its advantage lies in its local market knowledge and personalized service, but it must compete with the greater resources and technology of larger institutions.
Growth Trajectory and Initiatives
Historical Growth: Historical growth data not available with current resources.
Future Projections: Future projection data not available with current resources.
Recent Initiatives: Recent initiatives data not available with current resources.
Summary
Plumas Bancorp is a community bank with a strong local presence but faces challenges from larger competitors. Its focus on relationship banking is a key strength, but it needs to continue investing in technology. Economic conditions in California and Nevada will significantly impact its performance, requiring cautious but strategically chosen paths.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Market research reports
- Industry analysis
Disclaimers:
This analysis is based on available information and is subject to change. Financial data and market share figures are estimates and may not be precise.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Plumas Bancorp
Exchange NASDAQ | Headquaters Reno, NV, United States | ||
IPO Launch date 2005-05-18 | President, CEO & Director Mr. Andrew J. Ryback CPA | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 183 | Website https://www.plumasbank.com |
Full time employees 183 | Website https://www.plumasbank.com | ||
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 in California, Nevada, and Oregon. The company accepts various deposits, such as checking, money market checking, business sweep, public funds sweep, savings, and retirement accounts, and time and remote deposits. Its loan portfolio comprises term real estate, commercial, and industrial term loans; government-guaranteed and agricultural loans, as well as credit lines; consumer and home equity loans; land development and construction 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 deposit, electronic funds transfer, and other customary banking services. Plumas Bancorp was founded in 1980 and is headquartered in Reno, Nevada.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.