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PLBC:NASDAQPlumas Bancorp Analysis

Data as of 2026-06-17 - not real-time

$55.48

Latest Price

4/10Risk

Risk Level: Medium

Executive Summary

The stock is trading above its 20‑day SMA and the 20‑day SMA sits above the 50‑day SMA, signaling a short‑term bullish trend. The 14‑day RSI is in the low‑60s, indicating upward momentum without being overbought. MACD shows a bullish crossover with the histogram turning positive, and volume is on an increasing trend, supporting the price advance. Current price remains comfortably above the identified support level while still leaving room below the resistance ceiling.
On the fundamentals side, revenue is expanding at a rapid pace and profit margins are solid, delivering earnings per share that comfortably exceed the market average. The forward PE is well below the industry median, and the DCF‑derived fair value suggests a sizable upside potential. A dividend yield near 2½ % coupled with a modest payout ratio points to sustainable income. Low beta and moderate volatility keep the risk profile restrained, while the regional banking sector’s regulatory landscape adds a medium‑level caution. Overall, the convergence of strong technical momentum, attractive valuation, and reliable dividend makes the stock a compelling opportunity.

Market Outlook

Short Term

< 1 year
Positive
Model confidence: 7/10

Key Factors

  • Bullish SMA crossover and price above short‑term averages
  • Positive MACD histogram and rising volume
  • Attractive dividend yield with low payout ratio

Medium Term

1–3 years
Neutral
Model confidence: 6/10

Key Factors

  • Undervalued price relative to DCF fair value
  • Strong earnings growth and expanding revenue base
  • Medium sector and regulatory risk that may temper upside

Long Term

> 3 years
Positive
Model confidence: 8/10

Key Factors

  • Sustainable dividend supported by solid cash flow
  • Continued earnings acceleration and margin stability
  • Low beta and manageable volatility offering defensive qualities

Key Metrics & Analysis

Financial Health

Revenue Growth32.40%
Profit Margin32.72%
P/E Ratio11.8
ROE14.22%
ROA1.68%
P/B Ratio1.5
Op. Cash Flow$23.5M
Industry P/E17.1

Technical Analysis

TrendBullish
RSI62.2
Support$51.76
Resistance$57.51
MA 20$53.83
MA 50$52.39
MA 200$47.46
MACDBullish
VolumeIncreasing
Fear & Greed Index92.13

Valuation

Fair Value$69.85
Target Price$60.33
Upside/Downside8.75%
GradeUndervalued
TypeBlend
Dividend Yield2.38%

Risk Assessment

Beta0.62
Volatility19.28%
Sector RiskMedium
Reg. RiskMedium
Geo RiskLow
Currency RiskLow
Liquidity RiskLow

This analysis may contain inaccuracies and is provided for informational and research purposes only. It is not personal investment advice, a recommendation, or an instruction to buy, sell, or hold any asset.