Plumas Bancorp (PLBC) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Plumas Bancorp stock (PLBC) is currently trading at $48.88. Plumas Bancorp PE ratio is 10.74. Plumas Bancorp PS ratio (Price-to-Sales) is 3.71. Analyst consensus price target for PLBC is $57.33. WallStSmart rates PLBC as Moderate Buy.
- PLBC PE ratio analysis and historical PE chart
- PLBC PS ratio (Price-to-Sales) history and trend
- PLBC intrinsic value — DCF, Graham Number, EPV models
- PLBC stock price prediction 2025 2026 2027 2028 2029 2030
- PLBC fair value vs current price
- PLBC insider transactions and insider buying
- Is PLBC undervalued or overvalued?
- Plumas Bancorp financial analysis — revenue, earnings, cash flow
- PLBC Piotroski F-Score and Altman Z-Score
- PLBC analyst price target and Smart Rating
Plumas Bancorp
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PLBC Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Plumas Bancorp (PLBC)
PLBC trades at a significant discount to its Graham intrinsic value of $170.34, offering a 69% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Plumas Bancorp (PLBC) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in peg ratio, operating margin, price/book. Overall metrics suggest strong investment potential with favorable risk/reward.
Plumas Bancorp (PLBC) Key Strengths (4)
Keeps $38 of every $100 in revenue after operating costs
Keeps $32 of every $100 in revenue as net profit
Good growth relative to its price
Trading at 1.27x book value, attractively priced
Supporting Valuation Data
Plumas Bancorp (PLBC) Areas to Watch (6)
Modest revenue growth at 7.40%
Small-cap company with higher risk but more growth potential
Moderate profitability with room for improvement
Revenue is fairly priced at 3.71x sales
Solid earnings growth at 19.20%
Moderate institutional interest at 45.78%
Plumas Bancorp (PLBC) Detailed Analysis Report
Overall Assessment
This company scores 69/100 in our Smart Analysis, earning a B- grade. Out of 10 metrics analyzed, 4 register as strengths (avg 9.0/10) while 6 fall into concern territory (avg 5.3/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on Operating Margin, Profit Margin, PEG Ratio. Valuation metrics including PEG Ratio (1.49), Price/Book (1.27) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 37.90%, Profit Margin at 32.40%.
The Bear Case
The primary concerns are Revenue Growth, Market Cap, Return on Equity. Some valuation metrics including Price/Sales (3.71) suggest expensive pricing. Growth concerns include Revenue Growth at 7.40%, EPS Growth at 19.20%, which may limit upside. Profitability pressure is visible in Return on Equity at 13.50%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Revenue Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 13.50% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 7.40% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Operating Margin, Profit Margin) and negatives (Revenue Growth, Market Cap). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
PLBC Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
PLBC's Price-to-Sales ratio of 3.71x trades 51% above its historical average of 2.46x (75th percentile), historically expensive. The current valuation is 30% below its historical high of 5.28x set in Jun 2018, and 707% above its historical low of 0.46x in Aug 2011.
WallStSmart Analysis Synopsis
Data-driven financial summary for Plumas Bancorp (PLBC) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Plumas Bancorp is a mature, profitable business with steady cash generation. Revenue reached 91M with 7% growth year-over-year. Profit margins are strong at 32.4%, reflecting pricing power and operational efficiency.
Key Findings
ROE of 1350.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Profit margin of 32.4% and operating margin of 37.9% demonstrate strong pricing power and operational efficiency.
What to Watch Next
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Plumas Bancorp.
Bottom Line
Plumas Bancorp is a well-established business delivering consistent profitability with 32.4% margins. The growth phase may be slowing, but strong cash generation and operational efficiency make it suitable for investors seeking reliability over excitement.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions(41 last 3 months)
| Insider | Type | Shares |
|---|---|---|
MOSELEY, MATTHEW BROCK EVP and Market President | Buy | +42 |
Data sourced from SEC Form 4 filings
Last updated: 8:21:51 AM
About Plumas Bancorp(PLBC)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Plumas Bancorp is the banking holding company for Plumas Bank offering various banking products and services to small and medium-sized businesses and individuals in Northeast California and Northwest Nevada. The company is headquartered in Reno, Nevada.