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Upturn AI SWOT - About
Plumas Bancorp (PLBC)
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Upturn Advisory Summary
06/30/2025: 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
Limited analyst coverage, niche firm, research info may be scarce.
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 -7.22% | Avg. Invested days 40 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 06/30/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 268.57M USD | Price to earnings Ratio 9.15 | 1Y Target Price 54 |
Price to earnings Ratio 9.15 | 1Y Target Price 54 | ||
Volume (30-day avg) 3 | Beta 0.61 | 52 Weeks Range 32.40 - 50.65 | Updated Date 06/30/2025 |
52 Weeks Range 32.40 - 50.65 | Updated Date 06/30/2025 | ||
Dividends yield (FY) 2.64% | 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 35.17% | Operating Margin (TTM) 49.32% |
Management Effectiveness
Return on Assets (TTM) 1.81% | Return on Equity (TTM) 16.93% |
Valuation
Trailing PE 9.15 | Forward PE - | Enterprise Value 234536048 | Price to Sales(TTM) 3.2 |
Enterprise Value 234536048 | Price to Sales(TTM) 3.2 | ||
Enterprise Value to Revenue 3.67 | Enterprise Value to EBITDA - | Shares Outstanding 5929110 | Shares Floating 5214827 |
Shares Outstanding 5929110 | Shares Floating 5214827 | ||
Percent Insiders 11.81 | Percent Institutions 47.58 |
Analyst Ratings
Rating 2 | Target Price 54 | Buy 2 | Strong Buy 1 |
Buy 2 | Strong Buy 1 | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Plumas Bancorp
Company Overview
History and Background
Plumas Bancorp was founded in 1980 and is headquartered in Quincy, California. It operates as the bank holding company for Plumas Bank, providing a range of financial services to individuals and businesses in Northern California and Western Nevada.
Core Business Areas
- Commercial Banking: Provides a range of commercial banking services, including commercial lending, deposit accounts, and cash management services, primarily to small and medium-sized businesses.
- Retail Banking: Offers retail banking services to individuals, including personal loans, deposit accounts, and online banking services.
- Wealth Management: Provides wealth management services to individuals and families, including investment management and financial planning.
Leadership and Structure
Andrew J. Ryback serves as the President and CEO. The company has a board of directors that oversees the strategic direction and corporate governance.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides loans to businesses for various purposes, including working capital, equipment financing, and real estate acquisitions. Market share data is not publicly available. Competitors include larger regional and national banks such as U.S. Bank (USB) and Wells Fargo (WFC).
- Deposit Accounts: Offers a variety of deposit accounts, including checking, savings, and money market accounts, for both individuals and businesses. Market share data is not publicly available. Competitors include Bank of America (BAC) and Chase (JPM).
- Market Share (%): Market share data not publicly available.
- Real Estate Loans: Offers loans secured by real estate to businesses and individuals. Competitors include other banks and credit unions operating in Northern California and Western Nevada such as Tri Counties Bank (TCBK).
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing regulatory scrutiny, low interest rates, and rising competition from fintech companies. Regional banks face the additional challenge of competing with larger national institutions.
Positioning
Plumas Bancorp operates as a community bank, focusing on providing personalized service and building relationships with its customers. Its competitive advantage lies in its local expertise and commitment to the communities it serves.
Total Addressable Market (TAM)
The total addressable market for community banking in Northern California and Western Nevada is estimated to be in the billions of dollars. Plumas Bancorp is positioned to capture a portion of this market through its local presence and customer-focused approach.
Upturn SWOT Analysis
Strengths
- Strong customer relationships
- Local market expertise
- Experienced management team
- Conservative lending practices
Weaknesses
- Limited geographic diversification
- Smaller scale compared to larger banks
- Dependence on net interest income
- Vulnerable to economic downturns in its local markets
Opportunities
- Expansion into new markets
- Development of new products and services
- Increased adoption of digital banking
- Acquisition of smaller community banks
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Economic slowdown in its local markets
- Increased regulatory burden
Competitors and Market Share
Key Competitors
- USB
- WFC
- TCBK
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 personalized service and local expertise.
Major Acquisitions
Feather River State Bank
- Year: 2011
- Acquisition Price (USD millions): 14.8
- Strategic Rationale: Expansion of market presence in Plumas and Butte counties.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends can be analyzed by examining past revenue and earnings growth rates.
Future Projections: Future growth projections depend on analyst estimates, which vary. Consulting financial news sources or analyst reports will be needed to find these projections.
Recent Initiatives: Requires research of recent company announcements and press releases to identify strategic initiatives. This may include market expansion, adoption of new technologies, or other strategic changes.
Summary
Plumas Bancorp is a community bank with strong customer relationships and local market expertise. While smaller in scale than its competitors, its personalized service and conservative lending practices are advantages. Threats from larger banks and economic downturns exist, but opportunities for expansion and innovation are present.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings (10-K, 10-Q)
- Financial News Outlets
- Analyst Reports
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It should not be considered investment advice. Market share data is estimated and may not be precise. Future performance is not guaranteed.
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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