Plumas Bancorp (PLBC)

FairStock Score: 69/100 — STEADY

Key Financials

Strengths

• Solid return on equity of 14.2% above cost of capital
• Attractive 2.6% dividend yield providing steady income returns

Concerns

• Altman Z-Score of 0.2 places it in the financial distress zone—elevated bankruptcy risk

AI Analysis

Plumas Bancorp is a micro-cap financial services company valued at $361 million. The business generates $98 million in annual revenue with a 9.9% net margin. From a quality standpoint, Plumas shows distressed Altman Z-Score of 0.2 warrants caution and adequate 14% ROE. On valuation, the stock is attractively valued at 10.8x earnings, with a modest 18% margin of safety vs Graham Number. Growth dynamics show revenue growing at 8.7% and profit growth of 41.6%. The 2.6% dividend yield adds an income component for patient holders. Our composite FairStock Score of 69/100 reflects above-average fundamentals overall. Investors should weigh the business quality against the current price and their own margin of safety requirements.

Bull Case

The market underappreciates Plumas's consistent 14% ROE at just 11x earnings—a re-rating toward sector peers could unlock 30-50% upside. Operational leverage in the business model means incremental revenue growth could disproportionately boost bottom-line profitability.

Bear Case

Macro headwinds or sector-specific disruption could pressure margins, particularly if competitive intensity increases in the financial services space. Regulatory changes, input cost inflation, or demand normalization represent underappreciated risks that could materially impact forward estimates.

Data from SEC filings. AI analysis is for educational purposes only — not investment advice. Scoring methodology · Disclaimer