EN DE
Watch Plumas Bancorp for free: we tell you when fair value or trend changes.
Data-driven stock valuation

Plumas Bancorp (PLBC) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of Plumas Bancorp stock $37.23, price $62.46, that is 40.4% below the price, quality 38 out of 100. Rating: strongly overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.

  1. Keep an eye on it?Free in your watchlist: 5 stocks without an account, 10 with one Yes, for free

Financial Services US

PB Plumas Bancorp logo Broad data Nov 8, 2026

Plumas Bancorp

PLBC · US
Very expensive, weak quality

Our calculation puts a fair price 40% below what the stock costs today.

Healthy Growth (revenue YoY +48.6 %/yr in USD)
Highly profitable · 36.9% net margin (TTM)
2.1% dividend yield · Low payout
Wide moat 68/100
Broad data
Profit last quarter +121% vs. a year ago.
Mixed vs. peers (7/15)
Insiders bought $26,135 (6M) · sold $73,800
Fair value $37.23 · Strongly overvalued
Quality 38/100
Watch Plumas Bancorp for free: we tell you when fair value or trend changes. Watch for free

What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$64.43 $24.51 Fair Value $37.23 Aug 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 8, 2026.

How to read this chart

60‑month range $24.51 – $64.43 · fair‑value band $33.24 – $48.82 · the $62.46 price screens above the $37.23 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 8, 2026.

Follow Plumas Bancorp in your weekly email

Every Wednesday you see whether Plumas Bancorp is on track or worth a review, plus price against fair value. Free, up to 3 stocks.

We send you a confirmation link. Unsubscribe with one click.

Which stocks are undervalued right now? Check free Discover now →

Company profile

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.

Show moreShow less

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.

Stock analysis

Plumas Bancorp (PLBC) currently trades at $62.46, while our model-based Fair Value estimate is $37.23, 40% below the price, so the stock looks overvalued today.

Show more

Valuation

Bull case: the Multiples group reads highest at a median of $50.49 per share, and 0 of the 6 models we run sit above the $62.46 price.

Bear case: the Dividend Discount group reads lowest at $16.75, and 6 of the 6 models stay below the price. Data coverage for this calculation is high.

Scenario range: $33.24 (bear) to $48.82 (bull), the price of $62.46 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 38/100 (below-average quality), in the Financial Services sector.

Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.

Plumas Bancorp reported revenue of $108M in FY2025 versus $56.5M in FY2021, a compound +17.6%/yr. Reported net income was $29.6M in FY2025, compounding +9.0%/yr from FY2021.

Key figures

Market cap $442M Small · P/E ratio 10.4 · P/S ratio 3.87 · EPS (TTM) $6.00 · Dividend yield 2.1% · Net margin 36.9% · Return on equity 16.6% · Return on assets (EBIT) 2.1% (5-year average).

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 68 out of 100 (medium confidence).

What moves the price

The share trades about 3% below its 52-week high and 53% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −40%, PLBC screens richer than that median.

Fair Value models

Bear $33.24 Fair Value $37.23 Bull $48.82
Price $62.46 · Downside -40.4%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($4.04 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income $33.24 $37.23 $48.82 76
Gordon GGM $9.30 $17.77 $25.80 67
DDM Multi-Stage $9.30 $15.73 $18.86 67
All 6 models by family
Dividend Discount
Gordon GGM $9.30 $17.77 $25.80 67
DDM Multi-Stage $9.30 $15.73 $18.86 67
Multiples
P/E Multiple $41.58 $55.45 $69.31 63
P/B Multiple $34.14 $45.52 $56.90 55
Asset-Based
NCAV (Graham) $16.26 $21.78 $32.51 54
Economic Profit
Residual Income $33.24 $37.23 $48.82 76

Open the full fair value analysis →

Quality Score breakdown

Overall quality 38/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 36
How much profit the company makes from its sales and capital
Quality Growth 44
Are margins and returns getting better?
Cashflow 66
Do the profits arrive as real cash?
Financial strength 12
Debt, balance sheet and risk of trouble
Investment 48
Does it invest with discipline instead of growing at any price?
Low Volatility 90
How calm the share price moves, does not count
Price momentum 69
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 92
Distance to the 52-week high, does not count
New shares 10
Buys back shares or issues new ones?

Open the full quality analysis →

Insider trades

In the last 6 months, 2 officers or directors bought shares worth $26,135, most recently on May 15, 2026. Over the same period, one person sold shares worth $73,800. Buying cluster

  • SaleKevin Craig KaiserEVP and Chief Credit Officer1,200 shares at $61.50$73,800Aug 26, 2026
  • BuyMatthew Brock MoseleyEVP and Market President40 shares at $51.18$2,047May 15, 2026
  • BuyMichael Kevin FosterDirector470 shares at $51.25$24,088May 11, 2026
  • SaleKenneth Edward Robison IIIDirector2× since Jan 27, 2026: 1,300 shares, avg. $51.44$66,875Feb 20, 2026

Plus 2 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.

Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.

Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 100/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Basis: adjusted.
+11.9%
Earnings growth per share plus dividend.
Earnings per share, growth per year+9.8%
Dividend (yield on the price)2.1%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.8.9% vs 14.7%, slowing
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.42% → 37%
Pace: the 5-year rate starts in 2020 (pandemic)

PLBC screens overvalued: fair value 40% below the price. Compare with China Merchants Bank Co →

Compare Plumas Bancorp with another stock

Price, fair value, quality and upside side by side.

Free, no sign-up

Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks

Beats the industry median on 7/15 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 38 · Bottom 25%
Fair Value upside −40.4% · Bottom 25%
Profitability
Return on equity (12 months) 16.6% · Top 25%
Return on assets 1.3% · Top 25%
Net margin (12 months) 36.9% · Above median
Operating margin (12 months) 50.9% · Top 25%
Growth and dividend
Revenue growth (quarter YoY) 6.6% · Below median
Dividend yield (12 months) 2.1% · Below median
Balance sheet
Debt / equity 0.08× · Lowest 25%

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 10.4× · Cheaper than median
P/B 1.69× · Priciest 25%
P/S (12 months) 3.87× · Pricier than median
Price / free cash flow (fiscal year) 21.8× · Priciest 25%
EV/EBITDA 9.0× · Cheaper than median
PEG 1.49× · Pricier than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 8
FUTURE (revenue growth)33 · sector 47
PAST (return on equity)66 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)41 · sector 53

VALUE 0: the price sits above our fair-value range.

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Postal Savings Bank of China Co 601658 ¥5.53 ¥7.59 +37% vs PLBC
China Merchants Bank Co 600036 ¥42.88 ¥52.73 +23% vs PLBC
BNP Paribas SA BNP €91.93 €106.01 +15% vs PLBC
Intesa Sanpaolo S.p.A ISP €6.18 €4.49 −27% vs PLBC
State Bank of India SBIN ₹1,019 ₹736.65 −28% vs PLBC
UniCredit S.p.A UCG €76.80 €50.44 −34% vs PLBC
Mizuho Financial Group MFG $9.40 $5.89 −37% vs PLBC
DBS Group D05 69.72 SGD 40.39 SGD −42% vs PLBC
HDFC Bank Limited HDFCBANK ₹788.25 ₹406.39 −48% vs PLBC
ICICI Bank Limited ICICIBANK ₹1,571 ₹615.63 −61% vs PLBC

Explore undervalued stocks

More undervalued Financial Services stocks →

All undervalued stocks TechnologyFinancial ServicesHealthcareConsumer CyclicalConsumer DefensiveCommunication ServicesIndustrialsEnergyBasic MaterialsReal EstateUtilities Deeply Undervalued StocksUndervalued High-Quality StocksUndervalued Blue-Chip StocksUndervalued Small-Cap StocksUndervalued Dividend StocksUndervalued 52-Week Low Stocks

Try a ready-made strategy

Pick a strategy and jump into the live analysis with that exact screen applied.

🥇 Backtested Best 🏆 Big Names 💎 Quality on Sale 🚀 Profitable Growth 🧊 Quality Compounders 💵 Dividend Stars 📈 Strong Momentum 📉 Fallen Angels ⚖️ Deeply Undervalued 🔍 Small-Cap Gems 🏰 Moat at a Fair Price 💼 Insider Buying 🎩 Buffett-Style Quality 📚 Peter Lynch GARP 🧮 Greenblatt Magic Formula 🛡️ Graham Defensive

Discover tools

Stock screenerFilter by region, size and sector Compare toolTwo stocks side by side Extrinsic Value Calculator…Free calculator Peter Lynch Fair Value Formula &…Free calculator
Run the numbers yourself: free valuation calculators
DCF CalculatorP/E Ratio CalculatorPEG Ratio CalculatorGraham NumberPeter Lynch FormulaDDM CalculatorIntrinsic ValueIntrinsic vs Extrinsic ValueP/E Ratio by Sector
For bloggers & editors: embed code + live data

For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.

Plumas Bancorp: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Plumas Bancorp Fair Value". https://www.fairvalue-calculator.com/stock/PLBC

Frequently asked questions

Is Plumas Bancorp (PLBC) overvalued or undervalued?
As of Nov 8, 2026, our model estimates a fair value of $37.23 versus a price of $62.46, about 40% lower (overvalued).
What is the fair value of PLBC?
Our model-based fair value for Plumas Bancorp is $37.23 (as of Nov 8, 2026), built from audited fundamentals. The current price: $62.46.
What is the quality score of PLBC?
Plumas Bancorp has a Quality Score of 38/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Plumas Bancorp (PLBC)?
Our model-based price target is the fair value of $37.23 (as of Nov 8, 2026) from 6 valuation models. Cautious scenario $33.24, optimistic scenario $48.82. It is a calculation from audited fundamentals, not an analyst target.
What is the Plumas Bancorp stock forecast for 2026?
Our models put fair value at $37.23, about 40% lower versus a price of $62.46 (overvalued). Cautious scenario $33.24, optimistic scenario $48.82. The calculation is refreshed regularly with new filings.
What is the revenue of Plumas Bancorp (PLBC)?
Plumas Bancorp reported trailing-twelve-month revenue of about $114M (latest available figure, as of Nov 8, 2026).
Does Plumas Bancorp pay a dividend?
Plumas Bancorp currently shows a dividend yield of 2.07% relative to its recent price (as of Nov 8, 2026).
How much is the dividend of Plumas Bancorp (PLBC) and when is the ex-dividend date?
Plumas Bancorp pays a dividend of $1.29 per share a year, a dividend yield of 2.1%. The last ex-dividend date was Nov 3, 2026. A dividend has been paid every year since 2016. The payout ratio is 21.5% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.
What is the intrinsic value of Plumas Bancorp (PLBC)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Plumas Bancorp it is $37.23 per share (as of Nov 8, 2026), against a price of $62.46. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Plumas Bancorp stock overvalued or undervalued in 2026?
As of Nov 8, 2026, PLBC trades above its calculated fair value: price $62.46, fair value $37.23, a gap of about −40% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of PLBC?
No. The price is what the market pays today ($62.46); the fair value is what the company's own numbers justify ($37.23). For Plumas Bancorp the two are $25.23 per share apart. That gap is exactly why we show both numbers side by side.
How much is Plumas Bancorp worth?
The market values Plumas Bancorp at about $442M (market capitalisation, as of Nov 8, 2026). Per share that is $62.46; our models calculate a fair value of $37.23 per share.
What do the bullish and bearish scenarios say about PLBC?
Our models span a range for Plumas Bancorp: cautious scenario $33.24, base $37.23, optimistic $48.82 per share (as of Nov 8, 2026, price $62.46). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of PLBC?
Plumas Bancorp trades at a price-to-earnings ratio of 10.4 (as of Nov 8, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $37.23 is built from several models across several years. Median P/E at fiscal year-end, 10 fiscal years (2016 to 2025), reported earnings, FY2025 ex one-offs: 8.9. Other multiples: PEG 1.5, P/B 1.7, P/S 3.9, EV/EBITDA 9.0.
What is the PEG ratio of PLBC?
The PEG ratio of Plumas Bancorp is 1.49 (P/E divided by earnings growth, as of Nov 8, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of Plumas Bancorp (PLBC)?
Balance-sheet figures for Plumas Bancorp (as of Nov 8, 2026): return on equity 16.6%, debt of 0.08 per unit of equity. They feed the Quality Score of 38/100, which measures business quality independently of the share price.
How far is PLBC from its 52-week high?
Plumas Bancorp trades at $62.46, about 3% below its 52-week high of $64.43 and 53% above the low of $40.79 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $37.23 is for.
Which stocks are comparable to Plumas Bancorp?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Plumas Bancorp stock attractive at the current price?
The data as of Nov 8, 2026: price $62.46, calculated fair value $37.23 (−40%), Quality Score 38/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of PLBC calculated?
We run Plumas Bancorp through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $37.23 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. Plumas Bancorp itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Plumas Bancorp (PLBC)?
The closing price on Nov 6, 2026 was $62.46. Our model-based fair value is $37.23, about 40% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Plumas Bancorp right now?
The price sits above even our optimistic bull case ($48.82). The favourable scenario is already priced in. Weak quality (38/100) and above fair value at the same time, the margin of safety is missing on both counts. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of Plumas Bancorp (PLBC) come from?
Earnings per share at Plumas Bancorp grew +16.7 % a year from 2014 to 2025. Broken into its drivers: revenue per share +10.2 %, EBIT margin +3.6 %, tax rate +2.2 %, residual (interest, one-offs) +0.0 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.

Key figures of Plumas Bancorp

How large is the market capitalisation of Plumas Bancorp (PLBC)?
The market capitalisation of Plumas Bancorp is $442M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Plumas Bancorp (PLBC)?
The price-to-sales ratio of Plumas Bancorp is 3.87 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Plumas Bancorp (PLBC)?
Earnings per share at Plumas Bancorp are $6.00 (price ÷ EPS = P/E 10.4). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Plumas Bancorp (PLBC)?
The dividend yield of Plumas Bancorp is 2.1% (payout 21.5%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Plumas Bancorp (PLBC)?
The net margin of Plumas Bancorp is 36.9% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Plumas Bancorp (PLBC)?
The return on equity (ROE) of Plumas Bancorp is 16.6% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Plumas Bancorp (PLBC)?
On an EBIT basis the return on assets of Plumas Bancorp is 2.1% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Plumas Bancorp (PLBC)?
The operating margin of Plumas Bancorp is 50.9% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Plumas Bancorp (PLBC)?
Revenue at Plumas Bancorp is growing +6.6% versus a year earlier (3y avg +15.3%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Plumas Bancorp (PLBC)?
Earnings per share at Plumas Bancorp are growing +121% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Plumas Bancorp (PLBC) generate?
The free cash flow of Plumas Bancorp is $20.3M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Plumas Bancorp (PLBC) carry?
The net debt of Plumas Bancorp is $67.3M (fiscal year 2025, ≈ 3.3 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
Free · no account needed

Watch Plumas Bancorp in the live analysis

One click puts Plumas Bancorp on your watchlist: fair value and trend at a glance, plus comparison, the diversification check and the 27,000+ stock screener.

Watch for free →

Zero risk: nothing is ever charged. Your watchlist is yours, with or without an account.