# Plumas Bancorp (PLBC)

> Source: Nexqual · https://nexqual.com/PLBC · data as of 2026-10-23 20:00 UTC · cite as "Nexqual, Plumas Bancorp (PLBC), nexqual.com/PLBC" · informational, not investment advice.

**Price:** USD 63.2 (-0.46% on the day) · last close of Oct 23, 2026; US market closed, not a live price. Prev close 63.49 · day 63–63.58 · 52w 39.8–64.3 · market cap $439M · NCM

## Key facts
- Last four reported quarters (through Jun 30, 2026): revenue $113M, net income $35.8M (31.7% margin) (SEC filings).
- Valuation: P/E 12.2x (avg 9.3x at the last 3 fiscal year-ends).
- Insider open-market sales, last ~7 months: 1 Form 4 filings, $74K; 1 not under a Rule 10b5-1 plan ($74K); 0 by opportunistic insiders, 0 by routine insiders (three-year test, Cohen, Malloy & Pomorski 2012).
- Insider open-market purchases, last ~7 months: 2 Form 4 filings, $26K; 0 by opportunistic insiders, 0 by routine insiders.
- Analysts: Strong Buy (mean 1.33 on a 1–5 scale) (3 analysts), mean target USD 70 (range 67–73).
- Total return with dividends: 1Y +56.0% vs S&P 500 +13.4%; 5Y +92.8% vs S&P 500 +76.9%.
- Next earnings: 2027-01-20, EPS estimate USD 1.52, revenue estimate $29.3M.

## Financials (SEC 10-K; TTM = last four 10-Q/10-K quarters)
| USD | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | TTM |
|---|---|---|---|---|---|---|
| Revenue | $55.6M | $69.6M | $80.5M | $82.5M | $98.3M | $113M |
| Net income | $21.0M | $26.4M | $29.8M | $28.6M | $29.6M | $35.8M |
| EPS (diluted) | $3.76 | $4.47 | $5.02 | $4.80 | $4.54 | — |
| Free cash flow | -$9.3M | $53.9M | $36.1M | $29.8M | $20.3M | $31.7M |
| Net margin | 37.8% | 38.0% | 37.0% | 34.7% | 30.1% | 31.7% |
| Revenue growth | +18.8% | +25.0% | +15.8% | +2.4% | +19.2% | — |
| Cash + short-term investments | $381M | $183M | $85.7M | $82.0M | $80.6M | — |
| Total debt | $0K | $0K | — | — | — | — |
Fiscal years end Dec. EPS is split-adjusted.

## Valuation (price ÷ last four quarters, through Jun 30, 2026)
P/E 12.2x · P/S 3.9x · P/FCF 13.8x · P/B 1.6x · FCF yield 7.23% · Earnings yield 8.17% · Dividend yield (paid, TTM) 2.00%
P/E at fiscal year-ends: Dec 2025 9.8x, Dec 2024 9.9x, Dec 2023 8.2x.

## Insider sales (SEC Form 4, open-market, last ~7 months)
0 of 1 under a Rule 10b5-1 trading plan (scheduled in advance). Unplanned sales were timed by the insider.
| Trade date | Insider | Role | Shares | Value | % of holdings sold | 10b5-1 plan | Insider type |
|---|---|---|---|---|---|---|---|
| 2026-08-26 | Kaiser Kevin Craig | EVP and Chief Credit Officer | 1,200 | $74K | 42.7% | No | Too little history (no open-market trades in 2023–2025) |
% of holdings sold = shares sold ÷ (shares sold + all holdings the insider reported on that Form 4, direct and through trusts).
Insider type follows Cohen, Malloy & Pomorski (Journal of Finance, 2012). An insider who traded the stock in the same calendar month in each of the past three years is a routine trader; one who traded in each of those years without such a pattern is an opportunistic trader. In their study, trades by opportunistic insiders predicted future returns and trades by routine insiders did not. Counts open-market purchases and sales only (SEC Form 4 codes P and S) by that insider in that company. Not investment advice.

## Insider purchases (SEC Form 4, open-market, last ~7 months)
2 purchases, $26K. Private placements, offerings, dividend reinvestment and employee stock purchase plan buys are excluded.
| Trade date | Insider | Role | Shares | Value | Avg price | Insider type |
|---|---|---|---|---|---|---|
| 2026-05-15 | Moseley Matthew Brock | EVP and Market President | 40 | $2K | 51.18 | Too little history (no open-market trades in 2023–2025) |
| 2026-05-11 | Foster Michael Kevin | Director | 470 | $24K | 51.25 | Too little history (no open-market trades in 2023 or 2024) |

## Analysts
Consensus Strong Buy (mean 1.33 on a 1–5 scale), 3 analysts; mean target USD 70 (low 67, high 73).
Rating changes, last 120 days:
| Date | Firm | Action | Rating | Price target |
|---|---|---|---|---|
| 2026-07-16 | Piper Sandler | Target raised | Overweight | $66 → $69 |
| 2026-07-16 | Stephens & Co. | Target raised | Overweight | $60 → $64 |

## Total return (dividends reinvested)
|  | 1Y (from 2025-10-24) | 5Y (from 2021-10-25) |
|---|---|---|
| Total return | +56.0% | +92.8% |
| S&P 500 (SPY) | +13.4% | +76.9% |
| Per year | +56.3% | +14.1% |
| Volatility (annualized) | 21.3% | 31.2% |
| Max drawdown | -11.1% (Feb 2026→Mar 2026) | -30.4% (Mar 2022→Jun 2022) |

## Peers (Banks - Regional)
BBD (Banco Bradesco Sa) USD 4.07 +3.04% · FITB (Fifth Third Bancorp) USD 52.98 -0.47% · DB (Deutsche Bank AG) USD 31.2 -0.89% · TFC (Truist Financial Corporation) USD 48.44 +0.04% · NWG (NatWest Group plc) USD 16.8 -1.12% · NU (Nu Holdings Ltd.) USD 15.16 +2.92%

## More
Full page: https://nexqual.com/PLBC · Free keyless MCP server with the same data and citations: https://mcp.nexqual.com/mcp · Guide for agents: https://nexqual.com/agents · https://nexqual.com/llms.txt

## Analyst estimates and revisions

| Period | EPS est. | 90d ago | Change | Revenue est. | Analysts |
|---|---|---|---|---|---|
| Current quarter (ends 2026-12-31) | $1.52 | $1.48 | +2.2% | $29.3M | 3 |
| Next quarter (ends 2027-03-31) | $1.40 | $1.37 | +1.9% | $28.9M | 3 |
| Current fiscal year (ends 2026-12-31) | $6.00 | $5.75 | +4.2% | $115.4M | 3 |
| Next fiscal year (ends 2027-12-31) | $5.92 | $5.87 | +0.9% | $118.6M | 3 |