XVARY Composite Score
66
/ 100
Average
Combines growth, value, risk, and momentum factors into a single institutional-grade score.
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What it is
Plumas Bancorp is a community bank that makes money by lending locally and collecting fees across Northern California and Nevada.
How it gets paid
Last year Plumas Bancorp made $84M in revenue. net interest income was the main engine at $65M, or 77% of sales.
What just happened
The clean takeaway: PLBC just posted $0.73 in quarterly EPS, while full-year 2024 EPS still landed at $4.80.
At a Glance
B+ balance sheet — decent shape, but not bulletproof
90/100 earnings predictability — you can trust these numbers
10.5x trailing p/e — the market's not buying it — or you found a deal
2.7% dividend yield — cash in your pocket every quarter
$4.80 fy2024 eps est
XVARY composite: 66/100 — average
What They Do
Plumas Bancorp is a community bank that makes money by lending locally and collecting fees across Northern California and Nevada.
This is a 19-branch bank with local relationships, not an app with a mascot. If you run a business in its footprint, your lender knows your market, your property, and probably your county. That matters more in small-business lending, where Plumas also has SBA Preferred Lender status serving seven western states.
How They Make Money
$84M
annual revenue
net interest income
$65M
service charges and deposit fees
$7M
gain on sale of loans
$5M
debit card and interchange fees
$4M
other banking income
$3M
The Products That Matter
Commercial and ag lending
Commercial & Agricultural Loans
$1.1B loan book exposure
this is the core asset base behind the franchise, and management projected just 2% loan growth for the second half of 2025. steady is fine. rapid growth is not the story.
core earnings engine
Deposit gathering and branch banking
Personal & Business Banking
19 branches
the branch network funds the lending book. that matters because 78.2% of revenue comes from spread income, so deposit stability feeds straight into profitability.
funding base
Digital account access
Online Banking
supporting a 19-branch footprint
this keeps customers functional across a small footprint, but nothing in the snapshot says it changes the economics on its own. useful, yes. differentiated, no.
table stakes
Key Numbers
10.5x
trailing p/e
P/E → stock price divided by annual profit per share → so what: you are paying $10.50 for each $1 of earnings.
$4.80
fy2024 eps
EPS → profit per share → so what: this is the earnings base supporting the current price and buyback math.
2.7%
dividend yield
Dividend yield → annual cash payout divided by stock price → so what: you get paid while waiting for rerating.
$2.2B
total assets
Assets → the balance sheet earning base → so what: this is a small bank, but not a tiny one-person storefront.
Financial Health
B+
Strength
- balance sheet grade B+ — solid but not elite
- risk rank 2 — safer than 80% of stocks
- price stability 65 / 100
B+ — functional but not a standout on the balance sheet.
Total Return vs. Market
source: institutional data · return history unavailable
What Just Happened
beat estimates
The clean takeaway: PLBC just posted $0.73 in quarterly EPS, while full-year 2024 EPS still landed at $4.80.
Quarterly EPS ran from $1.06 to $1.31 across 2024, then the last reported quarter came in at $0.73 by consensus data. Translation: profits are still solid, but the pace is no longer straight up.
$71M
revenue
$0.73
eps
2.7%
dividend yield
the number that mattered
$0.73 matters because earnings power is the entire valuation story when the stock trades at 10.5 times profit.
source: company earnings report, 2026
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What Could Go Wrong
The #1 risk is net interest margin compression at a 19-branch bank where 78.2% of revenue still comes from spread income.
High
Net interest margin compression
The 4.91% net interest margin is the main earnings driver. A 50 basis point drop would cut roughly $4.6M from annual net interest income.
roughly 15% profit pressure from that move alone
Med
Geographic concentration
All 19 branches sit in northeastern California and northern Nevada. That exposes 100% of the $1.1B loan book to one regional cycle.
local weakness does not stay local when the whole bank is local
Med
Limited fee-income cushion
Non-interest income is only $20.0M, or 21.8% of revenue. If spread income weakens, there is not much diversification to absorb the hit.
78.2% of revenue still rises and falls with lending spreads
Med
Loan growth ceiling
Management projected just 2% loan growth for the second half of 2025. If that pace holds, earnings need margin stability more than balance-sheet expansion.
slow asset growth makes the margin line even more important
With 78.2% of revenue tied to net interest income, a 50 basis point margin hit would cut roughly $4.6M from annual net interest income and about 15% from profit.
Source: institutional data · regulatory filings · risk analysis
Pay Attention To
Capital return
$25M share repurchase program
Announced feb 2, 2026. For a $337M company, that's meaningful. It can support per-share earnings, but it does not change the underlying spread business.
Earnings calendar
Q1 2026 earnings report
Expected apr 22, 2026. Watch net interest margin against the 4.91% baseline and whether quarterly EPS stays near the recent $1.58 pace.
Trend line
Full-year EPS drift
Q4 looked better, but full-year EPS still fell to $4.54 from $4.80. You want to know if that was a dip or the start of a lower earnings base.
Balance of risk
Single-region exposure
All 19 branches and the entire $1.1B loan book sit in one regional economy. If local credit conditions weaken, the whole thesis narrows fast.
Analyst Rankings
earnings predictability
90 / 100
the numbers have been consistent. in human-speak, analysts see a bank that usually tells you what it is.
risk rank
2
safer than about 80% of stocks on this measure. that lowers blow-up risk. it does not remove earnings risk.
Source: institutional data
Institutional Activity
institutional ownership data for PLBC is being compiled.
Source: institutional data
Price Targets
3-5 year target range
$45
Current price
Target midpoint · from current
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