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Upturn AI SWOT - About
PLBC 
Plumas Bancorp (PLBC)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
09/15/2025: PLBC (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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 -18.84% | Avg. Invested days 31 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/15/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 302.82M USD | Price to earnings Ratio 8.97 | 1Y Target Price 55.33 |
Price to earnings Ratio 8.97 | 1Y Target Price 55.33 | ||
Volume (30-day avg) 3 | Beta 0.68 | 52 Weeks Range 36.68 - 50.28 | Updated Date 09/15/2025 |
52 Weeks Range 36.68 - 50.28 | Updated Date 09/15/2025 | ||
Dividends yield (FY) 2.57% | Basic EPS (TTM) 4.86 |
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 8.97 | Forward PE - | Enterprise Value 319118144 | Price to Sales(TTM) 3.6 |
Enterprise Value 319118144 | Price to Sales(TTM) 3.6 | ||
Enterprise Value to Revenue 4.13 | Enterprise Value to EBITDA - | Shares Outstanding 6947120 | Shares Floating 6188359 |
Shares Outstanding 6947120 | Shares Floating 6188359 | ||
Percent Insiders 10.32 | Percent Institutions 40.3 |
Upturn AI SWOT
Plumas Bancorp
Company Overview
History and Background
Plumas Bancorp, founded in 1980, operates as the holding company for Plumas Bank. It has grown organically and through strategic acquisitions to serve communities in Northern California and Nevada.
Core Business Areas
- Commercial Banking: Offers a range of commercial banking services, including commercial loans, lines of credit, and deposit accounts for businesses.
- Retail Banking: Provides retail banking services such as checking and savings accounts, mortgage loans, and personal loans to individuals.
- Wealth Management: Offers wealth management and trust services to individuals and businesses.
Leadership and Structure
Andrew J. Ryback serves as the President and CEO. The organizational structure comprises various departments, including lending, operations, finance, and risk management, all overseen by the executive team and board of directors.
Top Products and Market Share
Key Offerings
- Commercial Loans: Offers loans to businesses for various purposes, including expansion, equipment purchases, and working capital. Market share data is difficult to pinpoint precisely, but Plumas Bank focuses on local businesses in Northern California and Nevada. Competitors include larger regional and national banks, as well as credit unions and online lenders.
- Mortgage Loans: Provides mortgage loans to individuals for purchasing or refinancing homes. Competitors include large national banks, regional banks, and mortgage companies. Market share is localized, specific data not readily available.
- Deposit Accounts: Offers checking, savings, and money market accounts to individuals and businesses. These are fundamental to the banku2019s function, driving revenue through interest and fees. Competitors are credit unions and larger national banks.
Market Dynamics
Industry Overview
The banking industry is currently navigating a complex environment of rising interest rates, increased regulatory scrutiny, and evolving customer expectations related to digital banking. Community banks like Plumas Bancorp play a crucial role in supporting local economies.
Positioning
Plumas Bancorp is a community bank focused on serving Northern California and Nevada. Its competitive advantage lies in its local expertise, personalized service, and strong relationships with customers. It aims to provide banking solutions tailored to the local area.
Total Addressable Market (TAM)
The total addressable market for banking services in Plumas Bancorp's operating region (Northern California and Nevada) is estimated to be in the billions of dollars. Plumas Bancorp's positioning is focused on capturing a significant share of the local market through its community-focused approach and personalized service. Specific TAM dollar amounts are difficult to accurately obtain without proprietary research.
Upturn SWOT Analysis
Strengths
- Strong community relationships
- Experienced management team
- Solid asset quality
- Conservative lending practices
Weaknesses
- Limited geographic reach
- Smaller scale compared to larger banks
- Dependence on traditional banking services
- Potential for higher cost structure due to branch network
Opportunities
- Expansion into new markets within California and Nevada
- Increased adoption of digital banking solutions
- Growing demand for wealth management services
- Strategic acquisitions of smaller banks or credit unions
Threats
- Increased competition from larger banks and online lenders
- Rising interest rates
- Economic downturns
- Increased regulatory burdens
Competitors and Market Share
Key Competitors
- WAFD
- BOKF
- UMPQ
Competitive Landscape
Plumas Bancorp faces competition from larger regional and national banks, as well as online lenders. Its competitive advantage lies in its local focus, personalized service, and strong community relationships. The bank is smaller than the competitors.
Growth Trajectory and Initiatives
Historical Growth: Plumas Bancorp has shown steady growth in assets, loans, and deposits over the past several years. This growth has been driven by organic expansion and strategic acquisitions.
Future Projections: Analyst estimates suggest continued growth for Plumas Bancorp, driven by strong local economies, increasing demand for banking services, and successful execution of its strategic initiatives.
Recent Initiatives: Recent initiatives include investments in digital banking, expansion of wealth management services, and community outreach programs.
Summary
Plumas Bancorp is a community bank with a stable business model, solid asset quality, and focus on the communities it serves. It faces challenges from larger competitors and the evolving banking landscape. However, its local focus and strong relationships provide a sustainable competitive advantage. Continued investment in digital solutions and strategic acquisitions will be essential for future growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company SEC Filings
- Analyst Reports
- Industry Publications
Disclaimers:
This analysis is for informational purposes only and should not be considered investment advice. Market share data is approximate and based on available information.
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.
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