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
10/15/2025: 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 $54
1 Year Target Price $54
| 1 | Strong Buy |
| 2 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -21.3% | Avg. Invested days 33 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/15/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 289.27M USD | Price to earnings Ratio 9.81 | 1Y Target Price 54 |
Price to earnings Ratio 9.81 | 1Y Target Price 54 | ||
Volume (30-day avg) 3 | Beta 0.68 | 52 Weeks Range 38.17 - 50.28 | Updated Date 10/17/2025 |
52 Weeks Range 38.17 - 50.28 | Updated Date 10/17/2025 | ||
Dividends yield (FY) 2.78% | Basic EPS (TTM) 4.24 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-10-15 | When Before Market | Estimate 0.65 | Actual 0.82 |
Profitability
Profit Margin 31.22% | Operating Margin (TTM) 39.44% |
Management Effectiveness
Return on Assets (TTM) 1.36% | Return on Equity (TTM) 12.34% |
Valuation
Trailing PE 9.81 | Forward PE - | Enterprise Value 256805728 | Price to Sales(TTM) 3.42 |
Enterprise Value 256805728 | Price to Sales(TTM) 3.42 | ||
Enterprise Value to Revenue 3.95 | Enterprise Value to EBITDA - | Shares Outstanding 6952000 | Shares Floating 6432894 |
Shares Outstanding 6952000 | Shares Floating 6432894 | ||
Percent Insiders 6.86 | Percent Institutions 40.42 |
Upturn AI SWOT
Plumas Bancorp
Company Overview
History and Background
Plumas Bancorp was founded in 1980 as Plumas Bank. It has grown organically and through acquisitions to serve communities in Northern California and Nevada.
Core Business Areas
- Commercial Banking: Provides a range of commercial banking services, including loans, deposit accounts, and cash management solutions to businesses of various sizes.
- Retail Banking: Offers retail banking products and services such as checking and savings accounts, mortgages, and consumer loans to individuals and families.
- Wealth Management: Provides wealth management and trust services to individuals and businesses.
Leadership and Structure
Andrew J. Ryback is the President and CEO. The bank has a board of directors and operates through various departments including lending, operations, and finance.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes, including real estate, equipment, and working capital. Market share information is difficult to obtain specifically for Plumas Bank, but community banks collectively hold a significant portion of the small business lending market. Competitors include larger regional and national banks.
- Mortgage Loans: Residential mortgage loans for homebuyers. Market share varies by region and is influenced by interest rates and local housing market conditions. Competitors include other banks, credit unions, and mortgage companies.
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Competitors include all other banks and credit unions operating in their service area.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges related to interest rate volatility, increased regulatory scrutiny, and competition from fintech companies. Community banks play a vital role in supporting local economies.
Positioning
Plumas Bancorp positions itself as a community-focused bank offering personalized service and local expertise. Their competitive advantage lies in their strong relationships with customers and their knowledge of the local market.
Total Addressable Market (TAM)
The TAM for banking services in Northern California and Nevada is estimated to be in the billions of dollars. Plumas Bancorp is positioned to capture a share of this market through its focus on community banking and customer service.
Upturn SWOT Analysis
Strengths
- Strong local market presence
- Experienced management team
- High customer satisfaction
- Solid capital position
Weaknesses
- Limited geographic diversification
- Smaller scale compared to larger banks
- Dependence on local economy
Opportunities
- Expansion into new markets
- Growth in wealth management business
- Adoption of new technologies
- Increase in commercial lending
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn
- Rising interest rates
- Regulatory changes
Competitors and Market Share
Key Competitors
- CVBF
- BOKF
- UMPQ
- CMA
- WAFD
Competitive Landscape
Plumas Bancorp's advantages include its strong local market presence and customer relationships. Disadvantages include its smaller scale and limited geographic diversification compared to larger competitors.
Major Acquisitions
Feather River Bank
- Year: 2014
- Acquisition Price (USD millions): 21.6
- Strategic Rationale: Expanded Plumas Bank's presence in Butte County and enhanced its ability to serve customers in the region.
Growth Trajectory and Initiatives
Historical Growth: Plumas Bancorp has experienced steady growth in assets, loans, and deposits over the past decade, driven by organic growth and strategic acquisitions.
Future Projections: Future growth is projected to be driven by continued expansion in existing markets, growth in wealth management, and adoption of new technologies.
Recent Initiatives: Recent initiatives include investments in digital banking platforms, expansion of the commercial lending team, and strategic acquisitions of other community banks.
Summary
Plumas Bancorp demonstrates a solid community banking model with a strong local presence, contributing to customer satisfaction. Its smaller size and geographic concentration present limitations. Strategic initiatives around digital banking and targeted expansion are key for navigating increasing competition and economic factors. It is vital to review data and make comparisons across a longer period to provide accurate and valuable decision-making data.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Financial News Providers
Disclaimers:
The information provided is for informational purposes only and should not be considered investment advice. Market share data is estimated and may not be precise. Financial data requires updating with most current data.
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.