Plumas Bancorp

PLBC · NASDAQ

$62.53+$0.87 (+1.41%)TodayMarket closed · Oct 20, 7:59 PM ET

Prev close $61.66

PLBC analyst rating

BuyConsensus of 2 analysts over the last 12 months. 100% rate it a buy.

Strong buy0
Buy2
Hold0
Underperform0
Sell0

12-month price target · 5 analysts

Average $68.68 (+9.8% upside)

Low: $66.66
Now: $62.53
High: $72.45

Upgrades and downgrades

The latest rating actions, newest first

PLBC analyst upgrades, downgrades and rating actions
Firm	Date	Action	Rating	Price target	Hit rate
Piper Sandler	Jul 16, 2026	Maintains	Overweight	$66.00 → $69.00	68%
Stephens & Co.	Jul 16, 2026	Maintains	Overweight	$60.00 → $64.00	67%
Piper Sandler	Apr 16, 2026	Maintains	Overweight	$59.00 → $63.00	68%
Stephens & Co.	Apr 16, 2026	Maintains	Overweight	$57.00 → $60.00	67%
Piper Sandler	Apr 2, 2026	Maintains	Overweight	$61.00 → $59.00	68%

The case for and against

Updated Oct 14, 2026

Bull case

Plumas is attractive because 2Q operating EPS of $1.40 beat both estimates and, despite loan payoffs, core profitability remained strong with pre-provision net revenue of $14.2 million and NII of $26.0 million. Its franchise also showed deposit momentum, with balances up $110.3 million q/q or 24.9% LQA, supported by a high-quality funding base that is 46% noninterest-bearing and should help sustain spread income even as NIM normalizes to slightly above 5.00% in 3Q. The positive outlook is further reinforced by solid capital, including a 15.8% CET1 ratio and active buybacks, which give management flexibility to return capital while pursuing organic growth and opportunistic M&A.

Bear case

Plumas is facing a negative fundamental setup because its earnings power is exposed to a narrow geographic footprint in California and Nevada, where any slowdown in macro conditions, real estate, or business confidence could quickly pressure results. Approximately 62% of loans are commercial real estate-related, leaving the balance sheet vulnerable to a weakening CRE market, while recent credit metrics worsened as NPAs rose 60 bps to 1.56% and NPL coverage fell to 84% from 136%, signaling thinner protection against future losses. Although deposits were up 25% and loans rose 3%, those gains were helped by a $41 million reclass and are offset by modest loan growth, wire-fraud-related expense, and persistent M&A execution risks.

Information on this page is provided for informational purposes only and is not a recommendation to buy, sell or hold any security. Investing involves risk, including possible loss of principal. Market data is delayed at least 15 minutes and is provided without warranty. Analyst ratings, price targets and company data come from third-party sources. Past performance does not guarantee future results.