PLBC
Plumas BancorpFinancial Services·Banks - Regional
$52.63
$367M market cap
Revenue
$65.7M
Free Cash Flow
$15.4M
Rev Growth
+0.0%
FCF Margin
23.4%
P/FCF
23.8x
EV/FCF
-1.4x
Fwd EV/EBITDA
--
Fair Value
--
Upside
--
Plumas Bancorp operates as the bank holding company for the Plumas Bank that provides various banking products and services for small and middle market businesses, and individuals in Northeastern California and Northwestern Nevada. The company accepts various deposits, such as checking, money market checking, business sweep, public funds sweep, savings, time deposit, and retirement accounts. Its loan portfolio includes term real estate, commercial, and industrial term loans; government-guarantee
2-Year Price History
$52.66+60.3%
Quarterly Financials & Projections
Quarterly Waterfall ($ M)
| Period | Rev | EBITDA | OpIn | NI | OCF | FCF | CapEx | Cash | Debt | Shares | ROIC | IntCov | EV/EBITDA | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Act | 2026-Q1 | 32.4 | 13.2 | 13.2 | 9.8 | 9.4 | 9.3 | -0.1 | 532.6 | 144.2 | 7.1 | 16.8% | 3.1x | -- |
| Act | 2025-Q4 | 33.3 | 14.0 | 14.0 | 11.0 | 6.4 | 6.1 | -0.3 | 469.3 | 147.9 | 7.0 | 18.9% | 2.9x | -- |
Valuation & Metrics
Market Stats
Price$52.63
Market Cap$367M
Enterprise Value$-22M
P/S Ratio5.6x
P/FCF23.8x
EV/FCF-1.4x
FCF Margin (TTM)23.4%
FCF Yield4.2%
Dividend Yield (TTM)2.4%
Annual Dilution0.0%
CurrencyUSD
TTM Financial Snapshot
Revenue$65.7M
Net Income$20.7M
Free Cash Flow$15.4M
Revenue Growth (YoY)+0.0%
EBITDA Margin41.3%
Net Margin31.6%
FCF Margin23.4%
CapEx % of Revenue0.7%
SBC % of Revenue0.3%
ROIC17.8%
WC Change % Rev-91.2%
Interest Coverage3.0x
Forward Outlook & Risk
Short Interest
Short % of Float--
Short Shares0.1M
Days to Cover1.6
Change (vs Prior)+5.0%
Need at least 2 settlement dates for chart
Employees
Headcount183
Revenue / Employee$358,984
Gross Profit / Employee$309,705
Institutional Ownership
Headline & net flow
NEUTRAL
Net flow · —still filing
No float data — flow unavailable.
Ownership composition
Active
27.3%(+8.9% YoY)
82 filers
hedge / family / endowment
Retail funds
—
Fidelity, Schwab, 401(k)
Passive
15.2%(+3.6% YoY)
9 filers
Vanguard, iShares, SPDR
Market makers
0.1%(-0.1% YoY)
3 filers
Citadel, Susquehanna
Insiders
—
Form 4 — latest per insider
ActiveRetail fundsPassiveMarket makersRetail direct
Top holders
| Fund | $ value | Cost basis | Δ QoQ | Δ YoY | α life | Fund AUM |
|---|---|---|---|---|---|---|
| FMR LLC | $20.8M | $34.45 | −$5.5M | −$5.1M | -0.0% | $1.89T |
| BlackRock, Inc.Passive | $18.0M | $39.33 | +$69K | −$333K | -0.2% | $5.69T |
| VANGUARD CAPITAL MANAGEMENT LLCPassive | $13.5M | $48.50 | +$13.4M | +$13.5M | — | $4.04T |
| Siena Capital Partners GP, LLC | $11.7M | $42.28 | +$0 | +$938K | -0.4% | $385M |
| MANUFACTURERS LIFE INSURANCE COMPANY, THE | $11.5M | $42.47 | +$1.9M | +$3.0M | -0.2% | $113.45B |
| De Lisle Partners LLP | $10.4M | $38.32 | +$0 | +$2.4M | -0.7% | $836M |
| GEODE CAPITAL MANAGEMENT, LLCPassive | $7.5M | $35.45 | +$105K | +$1.2M | +2.3% | $1.61T |
| Fourthstone LLC | $7.2M | $44.62 | +$2.2M | +$7.2M | -1.8% | $590M |
| DIMENSIONAL FUND ADVISORS LPPassive | $6.0M | $38.32 | +$647K | +$1.6M | -0.4% | $480.92B |
| CALDWELL SUTTER CAPITAL, INC. | $5.2M | $42.22 | +$0 | +$5.1M | -1.5% | $246M |
| STATE STREET CORPPassive | $5.1M | $37.68 | +$659K | +$1.5M | -0.2% | $2.89T |
| PUNCH & ASSOCIATES INVESTMENT MANAGEMENT, INC. | $3.4M | $39.35 | +$0 | +$1.2M | -0.3% | $1.72B |
| Elizabeth Park Capital Advisors, Ltd. | $2.6M | $37.90 | +$0 | +$0 | -1.0% | $130M |
| NORTHERN TRUST CORPPassive | $2.3M | $35.63 | +$141K | +$248K | -0.2% | $755.34B |
| AMERICAN CENTURY COMPANIES INC | $2.3M | $48.50 | +$2.2M | +$2.3M | +0.7% | $193.48B |
| ALBERT D MASON INC | $2.2M | $40.54 | +$5K | +$528K | +0.0% | $154M |
| VANGUARD FIDUCIARY TRUST COPassive | $2.0M | $48.50 | +$2.0M | +$2.0M | — | $395.83B |
| MORGAN STANLEY | $1.8M | $41.02 | +$844K | +$942K | -0.3% | $1.65T |
| VANGUARD PORTFOLIO MANAGEMENT LLCPassive | $1.8M | $48.50 | +$1.8M | +$1.8M | — | $1.91T |
| RICE HALL JAMES & ASSOCIATES, LLC | $1.8M | $43.25 | +$0 | +$1.5M | -1.4% | $1.80B |
Cost basis is a volume-weighted estimate from accumulation periods within our 13F history; holders who built their position before our window started will show a stale basis. % above the cost basis is the unrealized gain at the current price.
Trading behavior
Smart-money alpha (lifetime, %/qtr)NEUTRAL
Holders
-0.45%
avg per quarter
Holders (ex-self)
-0.46%
excl. this stock
Buyers (this Q)
-0.27%
44 buyers · $0.04B in
Sellers (this Q)
-0.07%
24 sellers · $0.00B out
alpha coverage: 89% of $ has a lifetime-alpha record
Holder behavior on this stocksource: stock
On big dips (−10%+)
-1.5%
how holders react when this stock falls
On quiet Qs
-6.4%
−10% to +10% baseline
On rallies (+10%+)
+13.6%
how they react when this stock rises
Holders' portfolio flow this Q
+1.5%
inflows — adds are organic
Sellers' portfolio flow this Q
+1.5%
Sellers grew AUM elsewhere — opinionated cut of this stock.
▸ Compare to holder-profile behavior (across all their stocks)
Holder dip (any stock)
-4.9%
Holder mid (any stock)
-2.0%
Holder rally (any stock)
-1.5%
Biggest decreases this quarter
New buyers this quarter
Top-5 holders · 47.7%
FMR LLC--
BlackRock, Inc.--
VANGUARD CAPITAL MANAGEMENT LLC--
Siena Capital Partners GP, LLC--
MANUFACTURERS LIFE INSURANCE COMPANY, THE--
Top Holders Over Time
5-year share-count history (top 10 holders by peak, incl. exited) + price
hover the chart for per-quarter detailprice (right axis)
FMR LLC425KSiena Capital Partners GP, LLC239KMANUFACTURERS LIFE INSURANCE COMPANY, THE236KDe Lisle Partners LLP213KGrandeur Peak Global Advisors, LLC—Fourthstone LLC148KAMERIPRISE FINANCIAL INC—CALDWELL SUTTER CAPITAL, INC.106KRiver Oaks Capital LLC—PUNCH & ASSOCIATES INVESTMENT MANAGEMENT, INC.69K
Analyst Coverage
Analyst Coverage
Price Targets
Last Quarter (2 analysts)$61.501690.0%
Last Year (3 analysts)$61.331650.0%
Current Price$52.63
Analyst Ratings
3
Buy: 3Consensus: Buy
Corporate
Insider Trading (last 12mo)
Open-market only (Form 4 P-Purchase + S-Sale). Excludes grants, option exercises, tax withholding, gifts.
Officers & directors
Buys ($, 12mo)
$136K
5 txns · 2 insiders · 3,169 sh
Sells ($, 12mo)
$129K
3 txns · 2 insiders · 2,800 sh
Recent transactions
| Date | Side | Insider | Title | Shares | Price | Dollars | Owned $ |
|---|---|---|---|---|---|---|---|
| 2026-05-11 | BUY | Foster Michael Kevin | director | 470 | $51.25 | $24K | $177K |
| 2026-02-20 | SELL | Robison Kenneth Edward III | director | 800 | $52.76 | $42K | $99K |
| 2026-01-27 | SELL | Robison Kenneth Edward III | director | 500 | $49.34 | $25K | $132K |
| 2025-08-21 | SELL | Boigon Aaron M. | officer: EVP, Chief Information Officer | 1,500 | $41.09 | $62K | $168K |
| 2025-07-31 | BUY | Foster Michael Kevin | director | 650 | $41.00 | $27K | $122K |
| 2025-07-31 | BUY | Patel Sushil Amathalal | director | 1,299 | $41.16 | $53K | $152K |
| 2025-07-30 | BUY | Patel Sushil Amathalal | director | 1 | $41.00 | $41 | $98K |
| 2025-07-21 | BUY | Foster Michael Kevin | director | 749 | $42.56 | $32K | $99K |
Order Flow (FINRA, ~3w lag)
6.0%retail-4.2pp
25.7%dark+3.5pp
week of 2026-04-13
Off-exchange volume from FINRA. Retail = non-ATS (wholesaler PFOF + broker internalization). Dark = ATS (dark-pool crossing networks, institutional). Lit-exchange = remainder.
Filing Risk Analysis
Filing Risk Scores
Plumas Bancorp: Incomplete Data Stream Limits Forensic Scope to Baseline Regulatory Metadata
Overall Risk
3/10
Fraud
1/10
Dilution
2/10
Insolvency
3/10
Earnings Overstated
1/10
Hidden Liabilities
2/10
Legal
2/10
Audit Warnings
1/10
Hidden Upside
1/10
Contextually Acceptable
10/10