Stocks · Financial Services · Banks - Regional
Plumas Bancorp PLBC
$62.54 +1.49% Close, Oct 2, 2026 · NASDAQ · Market cap $435.5M
Strong growthStrong trend
Next earnings report: Oct 21, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- The diluted share count rose 17.7% in a year.
- At 12.3× trailing earnings, the shares trade at the highest P/E of the company's past five years.
- Revenue over the last four quarters was $130.7M, up 38.9% from a year earlier, accelerating from 27.8% a quarter earlier.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 10%
- EPS growth (TTM, YoY)Bottom 33%
- FCF growth (TTM, YoY)Top 44%
- Revenue growth, 3-year CAGRTop 48%
- Revenue growth accelerationTop 9%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 46%
- Gross marginTop 13%
- Operating marginTop 15%
- Cash conversion (OCF / net income)Bottom 34%
- Accruals (lower is better)Bottom 31%
- Net debt / EBITDA (lower is better)Top 21%
- Interest coverTop 26%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 36%
- Free-cash-flow yieldBottom 46%
- EBITDA / enterprise valueTop 15%
- Sales / enterprise valueTop 47%
- P/E vs own 5-year history (lower is better)Bottom 2%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 9%
- 6-month returnTop 13%
- 1-year return vs S&P 500Top 9%
- Distance from 52-week highTop 12%
- Trend checklist (0–4)Top 11%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 31%
- Consecutive EPS beatsTop 29%
- Share of analysts rating BuyTop 2%
- Upside to consensus price targetBottom 22%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 27%
- Maximum drawdown, 3 yearsTop 46%
- Beta vs S&P 500 (lower is better)Top 30%
- Net debt / EBITDA (lower is better)Top 21%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 27.8% | 38.9% | ↑ |
| EPS growth (YoY) | -4.5% | 4.7% | ↑ |
| Gross margin | 89.0% | 81.7% | ↓ |
| Operating margin | 42.5% | 39.0% | ↓ |
| FCF margin | 27.0% | 24.3% | ↓ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 38.9% | 27.8% | ↑ | Top 10% |
| EPS growth (TTM, YoY) | 4.7% | -4.5% | ↑ | Bottom 33% |
| Gross margin | 81.7% | 89.0% | ↓ | Top 13% |
| Operating margin | 39.0% | 42.5% | ↓ | Top 15% |
| Net margin | 27.4% | 30.9% | ↓ | — |
| Free-cash-flow margin | 24.3% | 27.0% | ↓ | — |
| Return on invested capital | 1.7% | — | Top 46% | |
| Revenue growth, 3-year CAGR | 15.3% | — | Top 48% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 0.92×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- 0.1%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.4%
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- -0.58×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 2.8×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 2.02%
- Net buyback yield (TTM)
- 0.18%
- Shareholder yield
- 2.19%
- Share count change, 1 year
- +17.7%
- Share count change, 3-year CAGR
- +6.0%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 5, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 4
- Beats in the last 8 reports
- 7 of 8
- Average EPS surprise, last 4
- +9.0%
- Average 2-day reaction, last 8
- +2.5%
- Positive 20 days after report
- 6 of 8
Analysts
- Consensus price target
- $66.33
- Target vs current price
- +6.1%
- Analysts with a rating
- 3
- Share rating Buy or Strong Buy
- 100%
- Consensus rating
- Buy
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 15, 2026 | +2.9% | +3.3% | +5.3% | +6.6% | — |
| Apr 15, 2026 | +5.3% | +1.7% | +1.6% | +0.8% | +14.0% |
| Jan 21, 2026 | +15.6% | +11.4% | +11.6% | +17.4% | +16.1% |
| Oct 15, 2025 | +12.1% | +0.1% | -3.1% | -1.8% | +4.5% |
| Jul 16, 2025 | -12.5% | -2.9% | -3.1% | -4.7% | -5.3% |
| Apr 16, 2025 | +6.2% | -1.7% | +1.7% | +11.3% | +14.6% |
| Jan 15, 2025 | +8.4% | +4.2% | +2.9% | +1.9% | -10.5% |
| Oct 16, 2024 | +14.9% | +4.2% | +6.7% | +14.3% | +10.7% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 15, 2026 | $1.41 | $1.37 | +2.9% | $28.8M |
| Apr 15, 2026 | $1.38 | $1.31 | +5.3% | $28.5M |
| Jan 21, 2026 | $1.56 | $1.35 | +15.6% | $28.2M |
| Oct 15, 2025 | $0.74 | $0.66 | +12.1% | $27.4M |
| Jul 16, 2025 | $1.05 | $1.20 | -12.5% | $20.5M |
| Apr 16, 2025 | $1.20 | $1.13 | +6.2% | $21.7M |
| Jan 15, 2025 | $1.29 | $1.19 | +8.4% | $21.3M |
| Oct 16, 2024 | $1.31 | $1.14 | +14.9% | $21.0M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 12.3× | 8.8× | 100th | Top 36% |
| P/E (forward) | 10.8× | — | — | — |
| EV / EBITDA | 7.4× | — | — | Top 15% |
| EV / Sales | 3.09× | — | — | Top 47% |
| Free-cash-flow yield | 7.29% | — | — | Bottom 46% |
| Earnings yield | 8.12% | — | — | Top 36% |
P/E over the past five years
Range 6.7× – 12.1× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +46.1%
- Earnings per share growth (TTM)
- +4.7%
- Change in P/E multiple
- +46.3%
Most of the move came from a change in the valuation multiple.
Technical state
Trend checklist
- ✓ Price above 20-day average
- ✓ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 1
- Days above the 200-day average
- 209
- 50-day average slope (20 days)
- +1.9%
- 200-day average slope (20 days)
- +3.6%
- Distance from 50-day average
- +1.0%
- Distance from 200-day average
- +15.3%
- RSI (14)
- 54.8
- Relative volume
- 0.77×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 16.3%
- Volatility vs own 5-year history
- 1th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.39
- Correlation with S&P 500
- 0.23
- Current drawdown from 1-year high
- -1.6%
- Maximum drawdown, 3 years
- -27.8%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Feb 16, 2022 | Jul 5, 2022 | -33.7% | 94 days | 147 days (Feb 2, 2023) |
| Dec 22, 2023 | Jun 21, 2024 | -27.8% | 123 days | 96 days (Nov 6, 2024) |
| Feb 10, 2023 | Mar 15, 2023 | -27.1% | 22 days | 196 days (Dec 22, 2023) |
| Nov 29, 2024 | Apr 16, 2025 | -20.4% | 93 days | 198 days (Jan 30, 2026) |
| Oct 20, 2021 | Dec 13, 2021 | -15.4% | 37 days | 34 days (Feb 1, 2022) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $435.5M
- P/E (TTM)
- 12.3
- EPS, diluted (TTM)
- $5.08
- Revenue (TTM)
- $130.7M
- Dividend yield
- 2.06%
- 52-week range
- $39.80 – $64.00
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $56.5M | $70.5M | $84.9M | $72.9M | $108.2M |
| Gross profit | $54.2M | $68.0M | $77.3M | $61.0M | $87.5M |
| Operating income | $28.5M | $35.7M | $40.2M | $39.0M | $39.6M |
| Net income | $21.0M | $26.4M | $29.8M | $28.6M | $29.6M |
| EPS (diluted) | $3.76 | $4.47 | $5.02 | $4.80 | $4.54 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $24.0M | $23.4M | $23.7M | $23.0M | $31.9M | $33.3M | $32.4M | $33.1M |
| Net income | $7.8M | $7.7M | $7.2M | $6.3M | $5.1M | $11.0M | $9.8M | $10.0M |
| EPS (diluted) | $1.31 | $1.29 | $1.20 | $1.05 | $0.73 | $1.56 | $1.38 | $1.41 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | -$8.4M | $56.9M | $38.3M | $30.5M | $21.6M |
| Capital expenditure | -$931,000 | -$3.0M | -$2.3M | -$678,000 | -$1.3M |
| Free cash flow | -$9.3M | $53.9M | $36.1M | $29.8M | $20.3M |
| Dividends paid | -$3.1M | -$3.7M | -$5.9M | -$6.4M | -$7.7M |
| Net share buybacks | $0 | $0 | $0 | $508,000 | $1.1M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $601.5M
- Total assets
- $2.28B
- Total liabilities
- $2.01B
- Total debt
- $103.6M
- Net debt
- -$31.9M
- Shareholders’ equity
- $272.1M
As of Jun 30, 2026 (filed Aug 5, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Aug 3, 2026 | $0.33 | Aug 17, 2026 |
| May 1, 2026 | $0.33 | May 15, 2026 |
| Feb 4, 2026 | $0.33 | Feb 18, 2026 |
| Nov 3, 2025 | $0.30 | Nov 17, 2025 |
| Aug 1, 2025 | $0.30 | Aug 15, 2025 |
| May 1, 2025 | $0.30 | May 15, 2025 |
| Feb 3, 2025 | $0.30 | Feb 17, 2025 |
| Nov 1, 2024 | $0.27 | Nov 15, 2024 |
Short interest
- Shares sold short
- 298,746
- Days to cover
- 5.88
- Change vs previous report
- +15.7%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Sep 19, 2005
- 3-for-2
- Nov 27, 2002
- 3-for-2
- Jun 16, 1999
- 3-for-2