Plains Acquisition Corporation (PLQC) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Plains Acquisition Corporation stock $49.76, price $72.00, that is 30.9% below the price, quality 63 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 4, 2026.
How to read this chart
52‑month range $35.35 – $78.78 · fair‑value band $44.67 – $61.54 · the $72.00 price screens above the $49.76 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 4, 2026.
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Plains Acquisition Corporation operates as a bank holding company for Plains State Bank that provides banking products and services for individual and small and medium-sized businesses in the United States.
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The company offers checking, savings, business, and money markets accounts; certificate of deposit; consumer and business credit cards; business term, SBA, commercial real estate, constriction, equipment, and other consumer related loans; treasury management services; and online and mobile banking services.
Plains Acquisition Corporation was founded in 1957 and is headquartered in Humble, Texas.
Stock analysis
Plains Acquisition Corporation (PLQC) currently trades at $72.00, while our model-based Fair Value estimate is $49.76, 31% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $80.23 per share, and 2 of the 6 models we run sit above the $72.00 price.
Bear case: the Dividend Discount group reads lowest at $22.15, and 4 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: $44.67 (bear) to $61.54 (bull), the price of $72.00 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 63/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Plains Acquisition Corporation reported revenue of $64.8M in FY2025 versus $31.5M in FY2021, a compound +19.8%/yr. Reported net income was $17.4M in FY2025, compounding +10.6%/yr from FY2021.
Key figures
Market cap $191M Micro · P/E ratio 11.4 · P/S ratio 4.01 · EPS (TTM) $6.29 · Dividend yield 2.8% · Net margin 36.4% · Return on equity 13.5% · Return on assets (EBIT) 2.5% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 69 out of 100 (low confidence).
What moves the price
The share trades about 9% below its 52-week high and 14% 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 −31%, PLQC screens richer than that median.
Fair Value models
Bear$44.67Fair Value $49.76Bull$61.54
Price $72.00 · Downside -30.9%
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 ($3.68 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.
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.
Revenue growth 1 year
+40.5%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+20.5%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+21.1%
Start year 2020 (pandemic)
Revenue growth 6 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+17.2%
’19
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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.
+16.2%
Earnings growth per share plus dividend.
Earnings per share, growth per year+13.4%
Dividend (yield on the price)2.8%
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.49% → 34%
Compare Plains Acquisition Corporation with another stock
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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 8/13 measures
Overall it ranks above its industry peers.
Valuation
Quality Score63 · Top 25%
Fair Value upside−30.9% · Below median
Profitability
Return on equity (12 months)13.5% · Above median
Return on assets2.0% · Top 25%
Net margin (12 months)36.4% · Above median
Operating margin (12 months)46.5% · Above median
Growth and dividend
Revenue growth (quarter YoY)0.0% · Bottom 25%
Dividend yield (12 months)2.8% · Above median
Valuation Multiplesvs Banks - Regional median · lower = cheaper
P/E (12 months)11.4× · Pricier than median
P/B1.40× · Pricier than median
P/S (12 months)4.01× · Pricier than median
Price / free cash flow (fiscal year)11.0× · Cheaper than median
EV/EBITDA1.9× · Cheapest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 8
FUTURE (revenue growth)0· sector 47
PAST (return on equity)54· sector 43
HEALTH (low debt)–
DIVIDEND (yield)56· 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.
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.
Is Plains Acquisition Corporation (PLQC) overvalued or undervalued?
As of Nov 4, 2026, our model estimates a fair value of $49.76 versus a price of $72.00, about 31% lower (overvalued).
What is the fair value of PLQC?
Our model-based fair value for Plains Acquisition Corporation is $49.76 (as of Nov 4, 2026), built from audited fundamentals. The current price: $72.00.
What is the quality score of PLQC?
Plains Acquisition Corporation has a Quality Score of 63/100. 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 Plains Acquisition Corporation (PLQC)?
Our model-based price target is the fair value of $49.76 (as of Nov 4, 2026) from 6 valuation models. Cautious scenario $44.67, optimistic scenario $61.54. It is a calculation from audited fundamentals, not an analyst target.
What is the Plains Acquisition Corporation stock forecast for 2026?
Our models put fair value at $49.76, about 31% lower versus a price of $72.00 (overvalued). Cautious scenario $44.67, optimistic scenario $61.54. The calculation is refreshed regularly with new filings.
What is the revenue of Plains Acquisition Corporation (PLQC)?
Plains Acquisition Corporation reported trailing-twelve-month revenue of about $47.7M (latest available figure, as of Nov 4, 2026).
Does Plains Acquisition Corporation pay a dividend?
Plains Acquisition Corporation currently shows a dividend yield of 2.78% relative to its recent price (as of Nov 4, 2026).
How much is the dividend of Plains Acquisition Corporation (PLQC) and when is the ex-dividend date?
Plains Acquisition Corporation pays a dividend of $2.00 per share a year, a dividend yield of 2.8%. The last ex-dividend date was Aug 31, 2026. A dividend has been paid every year since at least 2022. The payout ratio is 31.8% 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 Plains Acquisition Corporation (PLQC)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Plains Acquisition Corporation it is $49.76 per share (as of Nov 4, 2026), against a price of $72.00. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Plains Acquisition Corporation stock overvalued or undervalued in 2026?
As of Nov 4, 2026, PLQC trades above its calculated fair value: price $72.00, fair value $49.76, a gap of about −31% (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 PLQC?
No. The price is what the market pays today ($72.00); the fair value is what the company's own numbers justify ($49.76). For Plains Acquisition Corporation the two are $22.24 per share apart. That gap is exactly why we show both numbers side by side.
How much is Plains Acquisition Corporation worth?
The market values Plains Acquisition Corporation at about $191M (market capitalisation, as of Nov 4, 2026). Per share that is $72.00; our models calculate a fair value of $49.76 per share.
What do the bullish and bearish scenarios say about PLQC?
Our models span a range for Plains Acquisition Corporation: cautious scenario $44.67, base $49.76, optimistic $61.54 per share (as of Nov 4, 2026, price $72.00). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of PLQC?
Plains Acquisition Corporation trades at a price-to-earnings ratio of 11.4 (as of Nov 4, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $49.76 is built from several models across several years. Other multiples: P/B 1.4, P/S 4.0, EV/EBITDA 1.9.
How solid is the balance sheet of Plains Acquisition Corporation (PLQC)?
Balance-sheet figures for Plains Acquisition Corporation (as of Nov 4, 2026): return on equity 13.5%. They feed the Quality Score of 63/100, which measures business quality independently of the share price.
How far is PLQC from its 52-week high?
Plains Acquisition Corporation trades at $72.00, about 9% below its 52-week high of $78.78 and 14% above the low of $63.09 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $49.76 is for.
Which stocks are comparable to Plains Acquisition Corporation?
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 Plains Acquisition Corporation stock attractive at the current price?
The data as of Nov 4, 2026: price $72.00, calculated fair value $49.76 (−31%), Quality Score 63/100, 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 PLQC calculated?
We run Plains Acquisition Corporation through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $49.76 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. Plains Acquisition Corporation 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 Plains Acquisition Corporation (PLQC)?
The closing price on Nov 6, 2026 was $72.00. Our model-based fair value is $49.76, about 31% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Plains Acquisition Corporation right now?
The price sits above even our optimistic bull case ($61.54). The favourable scenario is already priced in. Solid but not exceptional quality (63/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Plains Acquisition Corporation
How large is the market capitalisation of Plains Acquisition Corporation (PLQC)?
The market capitalisation of Plains Acquisition Corporation is $191M. 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 Plains Acquisition Corporation (PLQC)?
The price-to-sales ratio of Plains Acquisition Corporation is 4.01 (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 Plains Acquisition Corporation (PLQC)?
Earnings per share at Plains Acquisition Corporation are $6.29 (price ÷ EPS = P/E 11.4). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Plains Acquisition Corporation (PLQC)?
The dividend yield of Plains Acquisition Corporation is 2.8% (payout 31.8%). 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 Plains Acquisition Corporation (PLQC)?
The net margin of Plains Acquisition Corporation is 36.4% (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 Plains Acquisition Corporation (PLQC)?
The return on equity (ROE) of Plains Acquisition Corporation is 13.5% (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 Plains Acquisition Corporation (PLQC)?
On an EBIT basis the return on assets of Plains Acquisition Corporation is 2.5% (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 Plains Acquisition Corporation (PLQC)?
The operating margin of Plains Acquisition Corporation is 46.5% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How much free cash flow does Plains Acquisition Corporation (PLQC) generate?
The free cash flow of Plains Acquisition Corporation is $17.4M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does Plains Acquisition Corporation (PLQC) hold?
Plains Acquisition Corporation holds more cash than debt, $129M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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Broad data
Nov 4, 2026