Plumas Bancorp (PLBC)

FairStock Score: 69/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look at a small regional bank like Plumas Bancorp first through safety and returns. In fiscal Q2 2026, the quarter ended 2026-06-30, the company filed net income of $10.0M and diluted EPS of $1.41, up from $6.3M and $1.05 in fiscal Q2 2025, the quarter ended 2025-06-30. Fiscal Q1 2026, ended 2026-03-31, showed $9.8M and $1.38. Full-year filings show net income of $29.6M in fiscal 2025, $28.6M in fiscal 2024, and $29.8M in fiscal 2023 — consistent, though EPS slipped from $5.02 to $4.80 to $4.54. At the 2026-10-13 close of $61.64, FairStock calculates a 12.23 P/E, 1.58 P/B, 15.41% ROE, 2.14% dividend yield, and 0.21 PEG. For a bank earning mid-teens on equity, that is not an aggressive price, but 1.58 times book requires those returns to persist. The moat is modest: local relationships and agricultural/small-business lending can be sticky, but 238 employees and a $429M market cap do not create a fortress. FairStock's Piotroski F-Score is 5/9, average. As a bank, I ignore FCF and EV metrics. The missing bank-specific data — CET1, net interest margin, nonperforming loans, reserves, charge-offs, and combined ratio (not applicable to a bank) — are exactly what I would need before underwriting credit risk. FairStock labels it a STALWART, with 15.4% annual profit growth over five years. I see a reasonably priced, decent small bank, not a wide-moat bargain.

In plain English: Plumas Bancorp is a small bank holding company that serves businesses and people through Plumas Bank. It earns solid profits, and the stock price looks fair rather than expensive compared with those profits and its net assets. Still, it is a small regional bank, and important details about its lending safety and capital strength are not in the data.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer