Is Plumas Bancorp (PLBC) Overvalued?
We dive into why Plumas Bancorp (PLBC) could be considered overvalued on 2026-08-14, based on AAII’s Value Score and Grade.Michael Rose
A+ Stock Grade Summary:
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COMPANY SUMMARY
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. The company accepts various deposits, such as checking, money market checking, business sweep, public funds sweep, savings, and retirement accounts, as well as time and remote deposits. Its loan portfolio comprises personal and commercial loans, real estate, construction, agricultural, and government-guaranteed loans; residential and home equity lines of credit; land development and construction loans; automobile loans; consumer loans; purchased credit deteriorated (PCD) and non-PCD 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 and mobile deposit, electronic funds transfer, FedNow®-receive Service, and other customary banking services. Plumas Bancorp was founded in 1980 and is headquartered in Reno, Nevada.
Commentary & Analysis
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Why Plumas Bancorp’s (PLBC) Stock Is Up 5.55%
As of Wednesday, January 21, Plumas Bancorp’s PLBC share price has surged by 5.55%, which has investors questioning if this is right time to sell.Cynthia McLaughlin
What You Need to Know About Plumas Bancorp's Q4 Earnings
Plumas Bancorp's fiscal Q4 earnings report was released on Wednesday, October 15. Let's dive in to see if (PLBC) missed or beat analyst's expectations.Jenna Brashear
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Financial Summary
| Share Statistics | PLBC | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $432.0 | $703.8 | 35% |
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| Shares Out (Mil) | 7.1 | 15.8 | 17% |
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| Institutional Ownership | 88.2% | 84.1% | 56% |
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| Float (Mil) | 6.4 | 21.5 | 14% |
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| Beta | 0.59 | 0.44 | 35% |
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| Avg Daily Volume (000s) | 54 | 51 | 28% |
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| Price Change (52-week) |
37.6% | 93.8% | 78% |
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| Growth | PLBC | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 15.9% | 7.7% | 74% |
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| Net Income (5yr) | 15.3% | 11.1% | 64% |
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| EPS (5yr) | 10.4% | 10.1% | 47 |
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| Dividends (5yr) | 27.2% | 3.6% | 83% |
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| Cash Flow (5yr) | (15.0%) | (17.2%) | 52% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | 3 | 3 | 3 | |
| Current EPS | $1.457 | $5.767 | $5.867 | |
| Month Ago EPS | $1.457 | $5.767 | $5.867 | |
| # Rev Up | 0 | 1 | 1 | |
| # Rev Down | 3 | 1 | 1 | |
| Three Months Ago EPS | $1.403 | $5.627 | $5.767 | |
| Year/Year Chg | 3.3% | 27.0% | na | |
| Financials | PLBC | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $107 | $189 | 27% |
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| Net Income (TTM) (Mil) | $36 | $55 | 52% |
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| EPS (TTM) | $5.144 | $2.500 | 87% |
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| Operating Cash Flow (TTM) (Mil) | $33 | $34 | 44% |
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| Net Cash Flow (TTM) (Mil) | $56 | $2 | 71% |
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| Long-Term Debt (Q1) (Mil) | $104 | $98 | 45% |
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| Enterprise Value (Q1) (Mil) | na | $0 | na |
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| Valuation | PLBC | Industry Median |
Percentile (All Stocks) |
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| P/B | 1.59 | 1.25 | 42% |
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| P/E | 12.2 | 12.3 | 27% |
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| Dividend Yield | 2.1% | 2.2% | 77% |
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| PEG (5yr hist) | 1.2 | 1.1 | 52% |
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| Ratios | PLBC | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | na | 63.7% | na |
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| Net Margin | 33.5% | 29.1% | 91% |
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| ROA | 1.8% | 1.1% | 54% |
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| ROE | 15.4% | 11.3% | 71% |
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| Liabilities to Assets | 88.1% | 89.7% | 82% |
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| F-Score | 3 | 4 | 18% |
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Passing Stock Screens
As of 9/21/2026, from a list of 60 stock screening strategies,
GURU STRATEGY
Graham--Defensive Investor (Utility) Screen
Factors: Yield, Value, Quality, Industry/Sector
Graham's approach leads to three separate screens that focus on the concept of intrinsic value, justified by a firm's financial strength.
| Performance Since Inception: | 6.8% |
| +/- S&P 500: | -0.7 |
GURU STRATEGY
Muhlenkamp Screen
Factors: Value, Quality, Growth
Muhlenkamp uses a bottom-up approach to selecting stocks, but adjusts his benchmarks based upon the broad economic environment.
| Performance Since Inception: | 6.3% |
| +/- S&P 500: | -1.2 |
