Reading PLBC? Track it free: the weekly brief, plus an alert if the thesis breaks. No credit card.
Track PLBC free→Reading PLBC? Track it free: the weekly brief, plus an alert if the thesis breaks. No credit card.
Track PLBC free→NASDAQFinancialsBanks - RegionalSnapshot 2026-06-15
Recent financial performance is holding in the top half of its industry — the reason to own it looks intact.
Recent financial performance is strong, but management's recent track record has been unsteady, with frequent disruptive corporate changes. Earnings quality is fragile, indicating that reported profits may not be well-supported by cash flow. Peer multiples imply a price about 8% above where it trades (it looks cheap on this basis); the read is fair, but weakening. Key factors to watch include guidance changes and sector trends, as these could significantly impact performance. This read is provisional.
Daily closes. Earnings/event dots are placed inline.
A consensus fair price across 6 valuation methods, at three horizons. Current price $55.03. Estimates are diagnostics, not price targets. Short-horizon estimates are close to coin-flips, so confidence is a method-agreement read, not a prediction.
No-growth: today's peer multiple on trailing earnings. The headline read.
Embeds projected growth. Leans optimistic by design. Upside context.
We take the 12-month fair value above and grade our own number — how the market prices this name versus what we'd justify, and where the two diverge.
At $55 PLBC trades at 11× p/e, below its 12× p/e peer median. Our $60 fair value sits above the price; high confidence. Not investment advice.
One valuation read at a 12-month horizon, plus how price compares to peers and the company's own history.
The price implies about 8% below a flat-multiple fair value, below our forecast of about 29%. This describes what's priced in, not a forecast of the move.
Only weak execution quality, a turbulent sector regime (Heating) — not the full expensive x weak x turbulent stack.
For similar setups historically (n=20,154): about 33% saw a 20%+ drawdown, and roughly 76% of those did not recover within the year. These are historical base rates for the cohort, not a forecast of this stock.
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Operating income rose in 1 of the last 3 quarter-over-quarter moves. Historically, Financials names rated strong grew net income 67% of the time over the next year (vs 54% for the rest of the cohort, n=3733).
Over the trailing year it converted 0.73x of net income into operating cash flow. Historically, Financials names rated fragile grew net income 49% of the time over the next year (vs 60% for the rest of the cohort, n=3541).
Most sensitive to the broad stock market.
Not enough signal to read sensitivity to real (inflation-adjusted) rates, long-term interest rates, the US dollar, Fed net liquidity.
The next print and the backdrop around it (sector regime and the AI cycle). Context for the path, not a forecast of returns.
EPS estimate $1.35 → $1.35 (+0.0% / 30d). 2 raised, 0 cut, 3 covering analysts.
0 upgrades, 0 downgrades / 30d. 100% of analysts rate Buy.
Market and fundamentals agree. Analysts are positioned bullishly on a fundamentally strong name.
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
A guidance track record builds as the company issues and delivers on guidance.
What a normal day, a bad day, and the worst of the last year would mean for a $10,000 position.
On a typical day, $10k can swing ±$79.
How much price usually moves either way.
On a bad day, this stock has moved -$233.
A rough but not unusual down day (about the 95th percentile).
In the worst 12 months, $10k could have lost $1,517.
Deepest peak-to-trough drop in the last year.
Past results, not a forecast. Not investment advice.
The most important moves since the prior daily snapshot.
No material changes since the prior snapshot.
as of 2026-06-15
Specific, dated things to watch for, each with what would confirm it and what would prove it wrong.
Why it matters: The earnings report will provide insights into Plumas Bancorp's financial health and performance. This could impact stock sentiment.
Confirms one read:The earnings report shows better results than expected. This means strong performance.
Confirms the other:The earnings report shows worse results than expected. This points to possible problems.
Recent news graded against this company's own objectives — whether it reinforces or challenges the thesis, and how confirmed it is.
No graded news catalysts for PLBC yet.
Conditional scenarios: if X happens, the view would shift in this direction. These are not predictions.
Recent SEC 8-K filings ranked by likely impact, confidence, and recency.
Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers On April 27, 2026, Plumas Bancorp (the “Company”) appointed Kelsey Cassinelli as Principal Accounting Officer. Ms. Cassinelli replaces Richard Belstock, who continues in his current role as Principal Financial Officer. Ms. Cassinelli, age 32, joins the Company from KPMG US LLP, where she was employed since 2016, most recently serving as a Senior Aud…
Whether the overall read has been drifting up or down lately, and how it's changed since last week.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Long-thesis check; widest uncertainty.
Roughly priced in line with peers.
Self-history needs ~20 months of data.
Trailing four: 2025-Q1, 2025-Q2, 2025-Q3, 2026-Q1
A side-by-side read on sector standing, valuation, and risk versus Regional Banks.
| Stock | Sector standing | Valuation | Risk |
|---|---|---|---|
PLBC Plumas Bancorp | Typical Show detailsSector percentile: 49 of 100 | fair | moderate |
HDB HDFC BANK LTD | — | — | moderate |
IBN ICICI BANK LTD | — | — | moderate |
ITUB ITAU UNIBANCO HOLDING SA | — | — | moderate |
FITB Fifth Third Bancorp | Below typical Show detailsSector percentile: 2 of 100 | expensive | moderate |
20 material management or governance events in the past 24 months, led by executive changes. Historically, Financials names rated volatile grew net income 54% of the time over the next year (vs 57% for the rest of the cohort, n=3774).
Not investment advice. As of 2026-06-15.
via XLF
Tailwind = sector leading the S&P 500; headwind = trailing. Both can be constructive. Historically, headwind regimes have averaged stronger forward returns than tailwind.
Context label only: describes the market state (e.g. real bear vs narrative panic, healthy uptrend vs late-stage froth). It is not a per-ticker buy/sell signal and does not predict factor performance.
Not investment advice. As of 2026-06-15.
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
Continue to provide a quarterly cash dividend of $0.33 per common share.
Stated in 2 of last 2 quarters. Dividend per share maintained at $0.33 in 2026-Q1, consistent with prior quarter. This reflects a stable capital allocation strategy, with no change in dividend amount.
“Board declared a quarterly cash dividend of $0.33 per common share.”
“Board declared a quarterly cash dividend of $0.33 per common share.”
Implement a share repurchase program authorizing up to $25 million in buybacks.
Newly stated in 2026-Q1. The company announced a $25 million share repurchase program, indicating a strategic focus on capital allocation. No buyback shares were reported in the financials, suggesting the program's implementation is pending.
“Board authorized a share repurchase program up to $25 million.”
Focus on achieving record earnings for the first quarter of 2026.
Newly stated in 2026-Q1. The company achieved record quarterly earnings with a net income of $9.8 million in 2026-Q1. This reflects a strong growth trajectory, as the company focuses on enhancing profitability.
“Announced record first quarter earnings of $9.8 million.”
Why it matters: Retail sales data shows how much people are spending. This impacts banks like Plumas Bancorp.
Confirms one read:Retail sales go up a lot. This suggests people are spending more.
Confirms the other:Retail sales go down. This shows people are spending less.
Why it matters: A drop in revenue growth could signal a slowdown in the financial sector. This would impact investor confidence in Plumas Bancorp's performance.
Confirms:Revenue growth falls below the median of 15% year over year.
Disproves:Revenue growth remains at or above the median of 15% year over year.
Results of Operations and Financial Condition". The information contained herein and in the accompanying Exhibit 99.1 shall not be incorporated by reference into any filing of the Registrant, whether made before or after the date hereof, regardless of any general incorporation language in such filing, unless expressly incorporated by specific reference to such filing. The information in this report, including the exhibit hereto, shall not be deemed to be "filed" for purposes of Section 18 of…
Other Events. On April 15, 2026 Plumas Bancorp ’ s Board of Directors declared a quarterly cash dividend in the amount of $0.33 per common share payable on May 15, 2026 to shareholders of record at the close of business day on May 1, 2026. SIGNATURE Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized. April 15, 2026 PLUMAS BANCORP By: /s/ Richard L. Belstock Name:…
Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers. On March 1, 2026, the Board of Directors (the “Board”) of Plumas Bancorp (the “Company”) adopted a new form of restricted stock unit award agreement under the Plumas Bancorp 2022 Equity Incentive Plan (the “Plan”), which form will be used for grants to directors, executives and employees from time to time. The form of restricted stock unit award pr…
Entry into a Material Definitive Agreement. On February 18, 2026, the Board of Directors of Plumas Bancorp (the “Company”) and its subsidiary, Plumas Bank (the “Bank”), entered into indemnification agreements for Kevin Kaiser, EVP/Chief Credit Officer, appointed on January 1, 2026. The indemnification agreements require the Company and the Bank to indemnify their directors and executive officers and to advance expenses on their behalf to the fullest extent permitted by applicable law and esta…