Plumas Bancorp is a profitable regional bank with a perfect 4-of-4 earnings beat streak, 37% margins and attractive valuation, but the price is already above the analyst target and 92% of exposure sits in Northern California and Northern Nevada.
Thesis pillars
- Single Region Concentration Cliff↑Improving
- Consistent Earnings Beat Streak↓Deteriorating
- Attractive Valuation High Margins→Stable
- +2 more pillars — see the Why tab for full reasoning
Pillars as of Oct 24, 2026, based on the 10-K filed Mar 19, 2026
Plumas Bancorp (PLBC) Stock Analysis
Inst Constrain edge
Financial Services · Banks - Regional
Hold if already holding. Not a fresh buy at $64.10, but acceptable to hold if already in. Reasons: Single-region cliff: 92% exposure to Northern California and Northern Nevada (≥60% threshold). Regional macroeconomic shock = idiosyncratic terminal risk.; Concentration risk — Loan Portfolio: real estate-secured loans (82.0%).
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,... Read more
Hold if already holding. Not a fresh buy at $64.10, but acceptable to hold if already in. Reasons: Single-region cliff: 92% exposure to Northern California and Northern Nevada (≥60% threshold). Regional macroeconomic shock = idiosyncratic terminal risk.; Concentration risk — Loan Portfolio: real estate-secured loans (82.0%). Chart setup: No clear chart pattern; technical signals are mixed. Maintain position. Not compelling to add more. Score 6.3/10, moderate confidence.
Passes 6/10 gates (positive momentum, clean insider activity, news events none recent, earnings proximity 77d clear, semi cycle peak clear, materials cycle peak clear). Fails on favorable risk/reward ratio and finsvc regional cliff hard block. Suitability: aggressive.
Recent developments
updated Oct 22, 2026Recent Developments — Plumas Bancorp
Latest news
- NEWS Plumas Bancorp Announces CFO Transition — fiscal.ai Oct 22, 2026 neutral
- NEWS MarketBeat forecasts October 21 results for Plumas Bancorp stock - AD HOC NEWS — AD HOC NEWS Oct 20, 2026 neutral
- NEWS MarketBeat forecasts October 21 results for Plumas Bancorp stock - ad-hoc-news.de — ad-hoc-news.de Oct 20, 2026 neutral
- NEWS Plumas Bancorp schedules October 21 results for Plumas Bancorp stock - ad-hoc-news.de — ad-hoc-news.de Oct 15, 2026 neutral
- NEWS Plumas Bancorp (PLBC) Moves to Buy: Rationale Behind the Upgrade - Yahoo Finance — Yahoo Finance Oct 15, 2026 positive
Latest item Oct 22, 2026 · Generated 2026-11-03T11:34:08Z.
Upcoming dated catalysts
Thesis
Key Metrics
Quality Signals
Concentration Risks(10-K Item 1A)
- HIGHloan_portfolioreal estate-secured loans82%10-K Item 1: 'However, at December 31, 2025, approximately 82% of the Bank's total loan portfolio consisted of real estate-secured loans, including real estate mortgage loans, real estate construction loans, consumer equity lines of credit, and agricultural loans secured by real estate.'
- HIGHloan_portfoliocommercial real estate loans66%10-K Item 1: 'Approximately 66% of our loans were commercial real estate loans as of December 31, 2025.'
- HIGHGeographicNorthern California and Northern Nevada92%10-K Item 1A: 'As of such date, approximately 92% of the loans in our loan portfolio were made to borrowers who primarily conduct business or live in Northern California or Northern Nevada.'
Material Events(8-K, last 90d)
- 2026-04-27Item 5.02LOWKelsey Cassinelli appointed Principal Accounting Officer effective April 27, 2026, replacing Richard Belstock in that role; Belstock continues as Principal Financial Officer/CFO. Routine appointment, no departure.SEC filing →
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. How we score · Editorial policy
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Rating Breakdown
1 floor-breaker
Technicals below the gate floor. Component breakdown shows what dragged the score down.static
Price Targets
Position Sizing
Risk Alerts
Earnings
Verdict History
Frequently Asked Questions
Hold if already holding. Not a fresh buy at $64.10, but acceptable to hold if already in. Reasons: Single-region cliff: 92% exposure to Northern California and Northern Nevada (≥60% threshold). Regional macroeconomic shock = idiosyncratic terminal risk.; Concentration risk — Loan Portfolio: real estate-secured loans (82.0%). Chart setup: No clear chart pattern; technical signals are mixed. Maintain position. Not compelling to add more. Analyst target $59.50 reached (−7.2%), stop $61.50 (−4.2%), A.R:R -1.0:1. Score 6.3/10, moderate confidence.
Analyst target $59.50 reached (−7.2% from $64.10); no take-profit level is published. Analyst target $59.50 reached (−7.2%), stop $61.50 (−4.2%), A.R:R -1.0:1. Stop-loss: $61.50.
Single-region cliff: 92% exposure to Northern California and Northern Nevada (≥60% threshold). Regional macroeconomic shock = idiosyncratic terminal risk.; Concentration risk — Loan Portfolio: real estate-secured loans (82.0%); Concentration risk — Loan Portfolio: commercial real estate loans (66.0%).
Plumas Bancorp trades at a P/E of 10.5 (forward 10.9). TrendMatrix value score: 7.9/10. Verdict: Hold.
9 analysts rate PLBC, with a consensus score of 4.2/5. 3 analysts publish price targets averaging $70.
What does Plumas Bancorp do?Plumas Bancorp operates as the bank holding company for the Plumas Bank that provides various banking products and...
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.