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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
10/23/2026: PLBC (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Plumas Bancorp is a regional bank holding company that primarily serves small to medium-sized businesses and individuals in Northern California and Western Nevada. The company is noted for its relationship-driven community banking model and a stable deposit base, which has historically supported consistent performance. Its primary growth opportunity lies in regional expansion and digital optimization, although it faces risks from geographic concentration, interest rate sensitivity, and intense competition from larger financial institutions. The stock is best suited for value and dividend-focused investors seeking exposure to the regional banking sector. Key developments to monitor include net interest margin trends and the bank's ability to maintain credit quality in its local economy.
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 | Weak fit | The company focuses on steady, conservative growth rather than high-velocity expansion. |
| Momentum investor | Weak fit | The stock typically exhibits lower trading volume and lacks the volatility favored by momentum strategies. |
| Value investor | Strong fit | The bank often trades at valuations that may appeal to value investors looking for regional bank exposure. |
| Dividend investor | Strong fit | Plumas Bancorp provides a consistent dividend, making it suitable for income-oriented portfolios. |
| Low-risk investor | Mixed fit | While established, regional concentration and sector-specific risks introduce moderate volatility. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Regional bank stocks can be sensitive to macroeconomic shifts and sector-wide sentiment. |
| Valuation risk | Low | The stock is generally priced based on fundamental banking metrics rather than speculative growth premiums. |
| Competition risk (regional/national banking) | Medium / high | The company faces constant competitive pressure from much larger financial institutions. |
| Business quality | Medium | The bank has a stable, proven business model but remains susceptible to regional economic health. |
| Dividend income | Low | Dividends are generally stable, though not explicitly designed for high-yield growth. |
| Execution risk | Medium | Success depends on maintaining credit quality and managing interest rate margins effectively. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Very Smooth
The stock has followed a highly orderly price path with minimal short-term disruption.
Analysis of Past Performance
Type Stock | Historic Profit 19.72% | Avg. Invested days 49 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Advisory Rating  | Upturn Advisory Performance  2.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 10/23/2026 |
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 438.86M USD | Price to earnings Ratio 10.53 | 1Y Target Price 70 |
Price to earnings Ratio 10.53 | 1Y Target Price 70 | ||
Volume (30-day avg) 55.0K shares | Beta 0.59 | 52 Weeks Range 38.80 - 64.30 | Updated Date 10/25/2026 |
52 Weeks Range 38.80 - 64.30 | Updated Date 10/25/2026 | ||
Dividends yield (FY) 2.03% | Basic EPS (TTM) 6 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Earnings generated from loans and investment securities minus interest paid on customer deposits. | This is the primary way the bank makes money; it earns more from its loans than it pays to deposit holders. |
| Non-Interest Income | Service fees, account charges, and other transactional income. | These are smaller fees that add to the bottom line alongside primary loan income. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2026-10-21 | When Before Market | Estimate 1.46 | Actual 1.61 |
Profitability
Profit Margin 36.91% | Operating Margin (TTM) 50.86% |
Management Effectiveness
Return on Assets (TTM) 1.87% | Return on Equity (TTM) 16.55% |
Valuation
Trailing PE 10.53 | Forward PE 16.81 | Enterprise Value 430.80M | Price to Sales(TTM) 3.85 |
Enterprise Value 430.80M | Price to Sales(TTM) 3.85 | ||
Enterprise Value to Revenue 4.48 | Enterprise Value to EBITDA - | Shares Outstanding 6.94M | Shares Floating 6.46M |
Shares Outstanding 6.94M | Shares Floating 6.46M | ||
Percent Insiders 6.4 | Percent Institutions 53.25 |
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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