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PLPLBC

Plumas Bancorp

$PLBC·$432M·Banks - Regional·Financial Services
$61.20-0.2%YTD+37.0%1Y+43.1%
Mentions · last 7 days
2026-07-14: 2 posts2026-07-15: 5 posts2026-07-16: 3 posts2026-07-17: 2 posts2026-07-18: 0 posts2026-07-19: 0 posts2026-07-20: 1 posts130%
Price updated 7h ago·X counts updated 7h ago
PLPLBC
$PLBCPlumas Bancorp
$61.20-0.24%13 posts0%
AI analysisFundamentalsVoices on X
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AI verdict & sentimentAI analysisGenerated by AI from underlying data

Top X posts

Today's AI verdict on what's driving $PLBC, plus how loud the X conversation is and which way it's leaning.

AI analysis

TickerTalks’ read on the fundamentals and what’s driving the move.

Proven numbersAcceleratingAI verdict · as of 2026-07-19

The move is getting stronger, with heavier trading behind it.

Northern California community bank delivered record Q2 earnings on July 15 with revenue up 44 percent — Zacks upgrade to Buy locks in the direction.

Plumas Bancorp runs a Northern California community bank with a durable deposit base. The July 15 Q2 print showed record earnings and revenue growth acceleration.

  • Q2 FY26 revenue was 33.1 million dollars, up 44 percent year on year — the fourth straight quarter of 33-44 percent growth, and gross margin held at 85 percent.
  • Q2 EPS of 1.43 beat 1.37 consensus by 3 percent — the fourth straight quarter of beating consensus, though the beat magnitude tightened from 15 percent in Q4 FY25.
  • Analyst 2026 EPS of 5.77 dollars steps to 5.87 in 2027 — modest EPS growth reflecting a maturing revenue mix and stable net interest margin.

The October 21 Q3 FY26 earnings release is the next dated event with 1.46 dollar consensus. What matters most is any commentary on the deposit-cost trajectory and loan-growth mix — community banking economics matter more than rate-cycle timing here.

What to watch: Q3 EPS versus 1.46 dollar consensus, deposit-cost trajectory, and loan growth mix.

On the calendar: Q3 earnings on 2026-10-21 with consensus EPS of 1.46 dollars.

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Read the AI verdict + X sentiment for $PLBC

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What it does

Plain-English summary of the business — what they sell and how they make money.

Plumas Bancorp functions as the parent holding company for Plumas Bank, a financial institution that delivers a broad spectrum of banking products and services. Its clientele primarily consists of individuals, as well as small and mid-sized businesses, situated across Northeastern California and Northwestern Nevada. The bank's diverse deposit offerings include conventional checking, money market checking, specialized business and public funds sweep accounts, savings, time deposits, and various retirement accounts. On the lending side, Plumas Bank provides a comprehensive suite of options, such as term loans for real estate, commercial endeavors, and industrial operations; government-guaranteed and agricultural financing; revolving lines of credit; consumer loans like auto and home equity; funding for land development and construction projects; and Small Business Administration (SBA) loans. Beyond its core deposit and lending products, the company extends modern conveniences like remote deposit, telephone and mobile banking, and internet banking complete with bill-pay functionality. Additional services encompass cashier's checks, mail-in banking, automated teller machines (ATMs), night depositories, safe deposit boxes, direct deposit, electronic funds transfers, and other standard banking facilities. As of February 28, 2022, Plumas Bank operated through 14 full-service branches and 3 dedicated lending offices. Incorporated in 1980, Plumas Bancorp maintains its corporate headquarters in Reno, Nevada.

Industry overviewAI analysisGenerated by AI from underlying data

Where Banks - Regional sits in its cycle right now — and what that implies for $PLBC.

Banks - Regional · Financial Services

No material change from last week — Inter's super-app model captures LatAm's under-penetrated credit market while Lloyds and Citizens navigate a NIM cycle that peaks as central banks begin cutting.

What this means for $PLBC

Partial — Plumas Bancorp functions as the parent holding company for Plumas Bank, a financial institution that delivers a broad spectrum of banking products and services. Its clientele primarily consists of; partial earnings exposure to banks - regional demand dynamics through its product portfolio.

Top industry ETF

$KRESPDR S&P Regional Banking ETF
+16.9%YTD
+20.3%1Y

Fundamentals & catalyst

Profitability, valuation, and the next earnings event — at a glance, with rule-of-thumb signals.

Key ratios

P/E
12.0How much investors are paying per dollar of profit the company actually earned in the last 12 months. Lower means the stock looks cheaper relative to earnings.~15–25 is typical for the S&P 500; high-growth names trade 30+; hyper-growth or speculative can be 100+ or negative.
ROIC
1.7%What percentage return the business earns on every dollar of capital (equity + debt) deployed in operations. The cleanest measure of business quality.Above ~15% is high-quality; consistently above 25% suggests a real moat. Below the company's cost of capital is value-destroying.
Op margin
32.0%Operating profit (after sales, marketing, R&D, and overhead but before interest and taxes) as a percentage of revenue. The clearest view of how well the underlying business is run.Mature business above 20% is healthy; software businesses can run 30%+; commodity / retail businesses operate in single digits.
FCF yield
5.1%Free cash flow (operating cash flow minus capex) divided by the company's market cap. The cash-on-cash return you'd get owning the whole business at today's price.Above ~5% is attractive; below ~2% means you're paying up for growth. Capital-light businesses (software) run higher than capital-heavy ones (utilities).
P/S
6.6Same idea as P/E but per dollar of revenue. Useful for companies that aren't profitable yet, where P/E is meaningless.Under ~2 is cheap; software / SaaS often runs 8–15; well above 20 implies the market is pricing in very high future growth.
ROE
13.7%Net income as a percentage of shareholders' equity. Similar to ROIC but counts only the equity side.Above 20% is strong, but can be inflated by leverage — a heavily indebted company can show high ROE with weak underlying ROIC.
Gross margin
76.8%Revenue minus the direct cost of producing what was sold, as a percentage of revenue. The first read on whether the product is structurally profitable.Software / SaaS is typically 70%+; consumer goods 30–50%; commodity / hardware businesses can be under 20%.
D/E
0.0Total debt divided by shareholders' equity. Measures how much the business runs on borrowed money versus owner capital.Under 1 is conservative; 1–2 is typical for mature businesses; over 2 is leveraged and more sensitive to interest rates.

Past earnings

QuarterReportedActualEstimateSurprise
Q2 2026Jul 15, 2026$1.41$1.37+2.9%
Q1 2026Apr 15, 2026$1.38$1.31+5.3%
Q4 2025Jan 21, 2026$1.56$1.35+15.6%
Q3 2025Oct 15, 2025$0.74$0.66+12.1%
Next earningsWed, Oct 21·consensus EPS $1.46

Quarterly trend

QuarterRevenueYoYGrossOpEPSFCF
Q2 FY26$33.1M+44.0%85.0%51.2%$1.43—
Q1 FY26$32.4M+36.4%88.0%40.7%$1.40$9.3M
Q4 FY25$33.3M+42.4%84.6%41.9%$1.58$6.1M
Q3 FY25$31.9M+33.1%68.7%21.7%$0.74$4.8M

Forward consensus

2-year forecast · up to 2 analysts
FYRevenueRangeEPSRangeAnalysts
FY26$115.1M$115.0M – $115.1M$5.77$5.71 – $5.832
FY27$119.2M$119.0M – $119.4M$5.87$5.71 – $6.032

Setup & momentum

Volume, range, and moving-average position — the technical setup driving short-term moves.

Right now

Vol vs 30dToday's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.0.9×Today's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.
52w rangeWhere the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.89%Where the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.
vs 50d MALatest close vs the 50-day simple moving average. Positive = short-term trend is up.+10.3%Latest close vs the 50-day simple moving average. Positive = short-term trend is up.
vs 200d MALatest close vs the 200-day simple moving average. Positive = long-term trend is up.+24.8%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Float & profile

β0.595-year weekly beta vs the S&P 500. Above 1.5 means the stock typically moves more than the index; below 0.8 moves less.

Insider activity

Recent open-market buys and sells by officers and directors — flagged when multiple insiders cluster.

Recent transactions

BuyMay 11Foster Michael KevinDirector470 sh$24KSellFeb 20Robison Kenneth Edward IiiDirector800 sh$42KSellJan 27Robison Kenneth Edward IiiDirector500 sh$25K
+ 25 other (16 awards · 9 exempts) in window

See when $PLBC insiders are putting their own money in

  • Real-time open-market buys and sells from Form 4 filings
  • Cluster-buy detection when multiple insiders pile in at once
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SEC filings

Material 8-K, 13D, S-3, and 424B5 events from the last 180 days — the filings that actually move the price.

Recent material filings

8-KPress release / Reg FDJul 158-K — Item 7.01: Press release / Reg FD
AI summary

Plumas Bancorp filed an updated investor presentation as a Regulation FD disclosure, providing financial metrics, market area overview, and strategic priorities for the northern California community bank. The presentation covers key performance indicators including loan growth, net interest margin, and capital ratios.

8-KShareholder voteMay 218-K — Item 5.07: Shareholder vote
AI summary

Plumas Bancorp's annual meeting (May 20, 2026) elected all 10 director nominees, approved the executive compensation advisory vote (4,124,401 for vs. 87,414 against), and ratified auditors Elliott Davis, LLC. Notably, director Kenneth Robison resigned from the board immediately following the meeting for personal reasons, reducing the board by one member.

3New insider — initial holdingsApr 283
8-KOfficer or director changeApr 278-K — Item 5.02: Officer or director change
8-KPress release / Reg FDApr 158-K — Item 7.01: Press release / Reg FD
8-KOfficer or director changeMar 28-K — Item 5.02: Officer or director change
8-KMaterial agreementFeb 198-K — Item 1.01: Material agreement
3/ANew insider — initial holdingsFeb 103/A
+ 13 other (4 routine 8-Ks · 2 earnings 8-Ks · 2 proxys · 1 11-K) in window

Recent news

Latest headlines from major outlets, sourced and timestamped — context for whatever just moved.

Plumas Bancorp (PLBC) Upgraded to Buy: Here's Whyzacks.com·4d agoPLUMAS BANCORP DECLARES QUARTERLY CASH DIVIDENDglobenewswire.com·5d agoPlumas Bancorp (PLBC) Q2 Earnings: Taking a Look at Key Metrics Versus Estimateszacks.com·6d agoPlumas Bancorp (PLBC) Beats Q2 Earnings and Revenue Estimateszacks.com·6d agoPlumas Bancorp Reports Record Second Quarter 2026 Earningsglobenewswire.com·6d ago

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