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Upturn AI SWOT - About
Plumas Bancorp (PLBC)
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Upturn Advisory Summary
03/25/2025: PLBC (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit 18.16% | Avg. Invested days 45 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 03/25/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 257.46M USD | Price to earnings Ratio 9.06 | 1Y Target Price 57.67 |
Price to earnings Ratio 9.06 | 1Y Target Price 57.67 | ||
Volume (30-day avg) 10045 | Beta 0.72 | 52 Weeks Range 31.88 - 50.99 | Updated Date 04/1/2025 |
52 Weeks Range 31.88 - 50.99 | Updated Date 04/1/2025 | ||
Dividends yield (FY) 2.59% | Basic EPS (TTM) 4.8 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 35.21% | Operating Margin (TTM) 49.99% |
Management Effectiveness
Return on Assets (TTM) 1.77% | Return on Equity (TTM) 17.6% |
Valuation
Trailing PE 9.06 | Forward PE - | Enterprise Value 237278416 | Price to Sales(TTM) 3.17 |
Enterprise Value 237278416 | Price to Sales(TTM) 3.17 | ||
Enterprise Value to Revenue 4.72 | Enterprise Value to EBITDA - | Shares Outstanding 5920080 | Shares Floating 5209969 |
Shares Outstanding 5920080 | Shares Floating 5209969 | ||
Percent Insiders 11.83 | Percent Institutions 47.29 |
Analyst Ratings
Rating 4.5 | Target Price 52.5 | Buy 1 | Strong Buy 1 |
Buy 1 | Strong Buy 1 | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Plumas Bancorp
Company Overview
History and Background
Plumas Bancorp was founded in 1980 and operates as the bank holding company for Plumas Bank. It has grown organically and through strategic acquisitions to serve communities in Northern California and Nevada.
Core Business Areas
- Commercial Banking: Offers a range of commercial banking services, including business loans, deposit accounts, and cash management solutions.
- Retail Banking: Provides retail banking services such as personal loans, checking and savings accounts, and mortgage lending.
- Wealth Management: Offers wealth management and trust services to individuals and businesses.
Leadership and Structure
Andrew J. Ryback serves as the President and CEO. The company operates with a traditional bank organizational structure with various departments overseeing lending, operations, and finance.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides loans to businesses for working capital, equipment purchases, and real estate. Market share data is difficult to isolate precisely, but Plumas Bank holds a significant share within its geographic footprint. Competitors include larger regional and national banks like U.S. Bank and Wells Fargo, as well as other community banks.
- Mortgage Loans: Offers residential mortgage loans to individuals. Competitors include national mortgage lenders like Rocket Mortgage and local credit unions.
- Deposit Accounts: Provides checking, savings, and money market accounts to individuals and businesses. Competitors include all banks operating in their geographic area.
Market Dynamics
Industry Overview
The banking industry is currently navigating a complex environment with rising interest rates, increased regulatory scrutiny, and competition from fintech companies.
Positioning
Plumas Bancorp positions itself as a community bank offering personalized service and local expertise, differentiating itself from larger national banks. It focuses on building long-term relationships with customers.
Total Addressable Market (TAM)
The TAM for community banking in Northern California and Nevada is estimated to be several billion dollars. Plumas Bancorp is positioned to capture a portion of this market by leveraging its local presence and customer relationships.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Experienced management team
- High customer satisfaction
- Conservative lending practices
Weaknesses
- Limited geographic diversification
- Smaller scale compared to larger banks
- Dependence on net interest income
- Lower brand recognition outside its primary market
Opportunities
- Expansion into new markets
- Increased adoption of digital banking services
- Strategic acquisitions of smaller banks
- Growth in wealth management services
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- WFC
- USB
- BANC
Competitive Landscape
Plumas Bancorp competes with larger regional and national banks, as well as other community banks. Its competitive advantage lies in its local presence and personalized service.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Plumas Bancorp has experienced steady growth in assets and earnings over the past decade, driven by organic growth and strategic acquisitions.
Future Projections: Analyst estimates project continued growth in earnings per share (EPS) and assets, driven by loan growth and expansion of services.
Recent Initiatives: Recent initiatives include expanding its digital banking platform, investing in new technologies, and opening new branch locations.
Summary
Plumas Bancorp is a community bank with a strong local presence and a history of steady growth. While it faces competition from larger institutions, its focus on customer relationships and strategic acquisitions position it for continued success. Threats include economic downturns and regulatory changes which it needs to consider.
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Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Analyst Reports
- FDIC Data
Disclaimers:
The data provided is for informational purposes only and should not be considered investment advice. Market share data is based on estimates and may not be precise.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Plumas Bancorp
Exchange NASDAQ | Headquaters Reno, NV, United States | ||
IPO Launch date 2005-05-18 | President, CEO & Director Mr. Andrew J. Ryback CPA | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 183 | Website https://www.plumasbank.com |
Full time employees 183 | Website https://www.plumasbank.com | ||
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, retirement accounts, and remote deposits. Its loan portfolio comprises of term real estate, commercial, and industrial term loans; government-guaranteed and agricultural loans, as well as credit lines; consumer, automobile, and home equity loans; land development and construction loans; and small business administration loans. In addition, the company provides telephone and mobile banking, internet banking with bill-pay options, cashier's check, bank-by-mail, automated teller machine, night depository, safe deposit box, direct deposit, electronic funds transfer, and other customary banking services. Plumas Bancorp was founded in 1980 and is headquartered in Reno, Nevada.
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