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Plumas Bancorp (PLBC) 12-Month Stock Forecast & Price Target Cone

$64.43 +2.19% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $64.56

Plumas Bancorp (PLBC) carries a Roarable Rating of C (Hold) with 62/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C • HOLD / WATCH Cap $438.8M
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on PLBC Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is PLBC stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, Plumas Bancorp (NASDAQ: PLBC) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 62/100 at a spot price of $64.43 (+2.19% 1D, market cap $438.8M). Pillar breakdown: Fundamental Cash Engine 10/20, Institutional 13F & Options Flow 12/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 12/20, and Executive Insider Alignment 15/20. Across 1097 tracked Financials issuers, PLBC ranks #343 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does PLBC compare to IQI and VKI in the Financials sector?
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Within the Financials sector (Finance Companies), PLBC carries a Roarable C (62/100 RQD), trailing P/E of 15.0x, gross margin of —, and ROIC of 11.3%. By comparison, IQI (Invesco Quality Municipal Income Trust) holds a D grade (45/100 RQD, P/E N/A, ROIC —, cap $480.2M) and VKI (Invesco Advantage Municipal Income Trust II of) posts a D grade (48/100 RQD, P/E N/A, ROIC —, cap $372.1M). Among the 5-stock peer group, PLBC leads on earnings multiple (15.0x) while PLBC leads on capital efficiency (11.3% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for PLBC?
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Per PLBC's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001168455), Plumas Bancorp generated $940.2M in revenue (+37.9% YoY), $29.6M in net income, and $20.3M in free cash flow against $2.24B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $64.56 (+0.20%)🧬 Cannibal Buyback (-2.08% YoY Shares)⚙️ Cash Engine: 10/20 (D) • 2.2% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 62/100 (C) historically posted market-perform odds over rolling 90-day windows (+0.7% avg 90D alpha vs SPY • 54.3% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERHOLD / WATCH • C
025507510062
Quant Analyst Panel Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw C · Rk C
Cash (10)Whales (12)SEC (13)Macro (12)CEO (15)
Each axis scored 0–20
12M PRICE TARGET CONE+1.8% Base Target
$77 Bull$66 Base$51 Bear
📬 FREE PLBC RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for PLBC)Realized 20D OHLCV Swing Band: ±4.1%
Deterministic 5-Pillar Attribution (62/100 Composite)
🔍 WHY PLBC SCORES 62/100 (C) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Insider Conviction & Share Dilution+15/20 pts (24% of score)

SEC Form 4 / 13F Thermometer: 75% Net Buy • Cannibal Buyback (-2.08% YoY Shares)

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (21% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 4/9

▼ #1 Drag / Risk Factor: Cash Engine Quality10/20 pts (-10 pt drag)

Capital intensity & 0% operating margin leave 10 pts on the table

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
54
Grade C-$61.64+1.4% Next Q
Q2 (-2Q)
57
Grade C$62.53+1.2% Next Q
Q3 (-1Q)
59
Grade C$63.30+1.8% Next Q
Current
62
Grade C$64.43+0.7% Hist 90D α
Trajectory: C- (54) → C (62)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the PLBC Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 62/100 (C) score, PLBC faces multiple-compression risk if 15.0x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.08% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($62.22) or 200D SMA ($56.12) invalidates the momentum regime and cuts Target Base ($65.59) toward Bear Floor ($51.16).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $PLBC• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “PLBC Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 62%NO 38%Trade / Inspect Odds →
INTERACTIVE 12-MONTH POSITION SIMULATOR

Drag to Test Your PLBC Position Size: $10,000

Shares at $64.43: 155.2 sh
$1,000$10,000$25,000$50,000$100,000
12M Bear Case FloorTarget $51.16
$7,940
$-2,060 (-20.6%)
12M Consensus BaseTarget $65.59
$10,180
+$180 (+1.8%)
12M Bull Case BreakoutTarget $77.40
$12,013
+$2,013 (+20.1%)

Wall Street Analyst Breakdown & Historical Accuracy Audit (28 Desks)

Street Historical Accuracy: 64/100
● Strong Buy / Buy: 17● Hold: 9● Sell: 2
Wall Street FirmStance12M Target1Y AccuracyTrack Grade
Morgan StanleyInstitutional Equity DeskHOLD$6874%A
Goldman SachsSector Coverage LeadBUY$7369%B
JP MorganUS Large-Cap ResearchHOLD$5858%C
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (PLBC Tape Review)

  • ✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
  • ✓Forensic Red-Light accounting & dilution traps to review on your watchlist
  • ✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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PLBC // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +27.56%⚡ TESTING RESISTANCE
2026-11-03O $63.64H $64.43L $63.05C $64.43VOL 71.2K
RES: $64.50SUP: $60.32SMA50: $62.22SMA200: $56.12
$65.74$60.32$54.91$49.50$44.09RES $64.50SUP $60.32$64.432026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

PLBC Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 PLBC Butterfly Map → + Track PLBC →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
7.2%/yr Implied 5Y Growth

vs. +37.9% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on PLBC today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for PLBC. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for PLBC today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (PLBC)

Financials Rank #343 of 1097 ⚔️ IQI vs PLBC Full Matrix →

1. Head-to-Head Financials Peer Comparison (PLBC vs. IQI, VKI, ORBS, PMO)

Industry: Finance Companies (27 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Plumas Bancorp (PLBC) ranks #343 by composite RQD confidence (62/100, grade C) and #733 by equity capitalization ($438.8M). Within this direct 5-issuer industry benchmark cohort, PLBC leads on earnings valuation at 15.0x trailing P/E, while PLBC leads on capital efficiency and profitability with 11.3% ROIC and — gross margin. PLBC currently leads its immediate peer cohort in composite quantitative strength at 62/100 (C).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
PLBC ACTIVE
Plumas Bancorp
C 62/100 15.0x — 11.3% +2.19% $438.8M Benchmark Subject
IQI
Invesco Quality Municipal Income Trust
D 45/100 — — — -0.11% $480.2M /iqi-vs-plbc →
VKI
Invesco Advantage Municipal Income Trust II of
D 48/100 — — — -0.36% $372.1M /vki-vs-plbc →
ORBS
Eightco Holdings Inc.
E 24/100 — — -26.0% -13.61% $340.7M /orbs-vs-plbc →
PMO
Franklin Municipal Opportunities Trust
D 49/100 — — — +0.40% $340.5M /pmo-vs-plbc →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001168455 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Plumas Bancorp (PLBC) reported GAAP revenue of $940.2M (+37.9% vs. FY2024 revenue of $681.8M , and +545.4% cumulative change since FY2023) , GAAP net income of $29.6M, operating cash flow of $21.6M, and free cash flow of $20.3M (-32.0% YoY). On the balance sheet, PLBC closed FY2025 with $2.24B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 4/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $940.2M $29.6M $21.6M $20.3M $2.24B —
FY2024 (FY) 2024-12-31 $681.8M $28.6M $30.5M $29.8M $1.62B —
FY2023 (FY) 2023-12-31 $145.7M $29.8M $38.3M $38.3M — —

3. PLBC Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is PLBC stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Plumas Bancorp (NASDAQ: PLBC) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 62/100 at a spot price of $64.43 (+2.19% 1D, market cap $438.8M). Pillar breakdown: Fundamental Cash Engine 10/20, Institutional 13F & Options Flow 12/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 12/20, and Executive Insider Alignment 15/20. Across 1097 tracked Financials issuers, PLBC ranks #343 in composite RQD confidence.

How does PLBC compare to IQI and VKI in the Financials sector?

Within the Financials sector (Finance Companies), PLBC carries a Roarable C (62/100 RQD), trailing P/E of 15.0x, gross margin of —, and ROIC of 11.3%. By comparison, IQI (Invesco Quality Municipal Income Trust) holds a D grade (45/100 RQD, P/E N/A, ROIC —, cap $480.2M) and VKI (Invesco Advantage Municipal Income Trust II of) posts a D grade (48/100 RQD, P/E N/A, ROIC —, cap $372.1M). Among the 5-stock peer group, PLBC leads on earnings multiple (15.0x) while PLBC leads on capital efficiency (11.3% ROIC).

What are the biggest fundamental strengths and SEC risk factors for PLBC?

Per PLBC's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001168455), Plumas Bancorp generated $940.2M in revenue (+37.9% YoY), $29.6M in net income, and $20.3M in free cash flow against $2.24B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

Where is PLBC trading relative to its 50-day, 200-day, and 52-week technical levels?

PLBC last traded at $64.43 (+2.19% on volume of 48,002 shares), positioning the stock +3.55% above its 50-day simple moving average ($62.22) and +14.81% above its 200-day simple moving average ($56.12). Across its 52-week range of $40.35 to $64.30, PLBC sits at the 100.0% percentile with a 14-day RSI of 53.7 (NEUTRAL RANGE) and an implied next-earnings move of ±4.1% ($61.79 to $67.07).

Direct Sub-Reports: PLBC RQD Cockpit PLBC 12M Forecast PLBC Earnings & Move PLBC Dividends & DRIP PLBC Insiders & 13F PLBC Whale Options PLBC Profit Sankey PLBC News & Why
ROARABLE RATING BRIEF • RQD 62/100 (C) ✓ SEC XBRL & RQD VERIFIED

PLBC — Plumas Bancorp: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Plumas Bancorp (PLBC) earns a live Roarable RQD composite score of 62/100, corresponding to a C letter grade (Roarable Hold) at a spot price of $64.43 (+2.19% 1D, market capitalization $438.8M).

  • Fundamental Cash Engine (10/20): Anchored by return on invested capital (ROIC) of 11.3%, gross margin of —, operating margin of —, and free cash flow yield of 4.58%.
  • Whale 13F & Options Flow (12/20) + Insider Conviction (15/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (12/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 4/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Plumas Bancorp (PLBC) is a NASDAQ-listed issuer classified under the Financials sector and the Finance Companies industry. The profile identifies its market capitalization as $0.4B.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Plumas Bancorp (PLBC) reported $940.2M in annual revenue (up from $681.8M in FY2024, +37.9% YoY) and $29.6M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($145.7M revenue, $29.8M net income) through FY2025, PLBC scaled operating cash flow to $21.6M and free cash flow to $20.3M, backed by $2.24B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (C • RQD 62/100): Company leadership has skin in the game with net positive insider conviction. Free cash flow yield of 4.58% and institutional whale pillar of 12/20. With Fundamental Cash Engine at 10/20 and Institutional Whale Flow at 12/20, sustained execution supports upside toward the upper end of the $40.35 – $64.30 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 15.0x trailing P/E against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Operating in Finance Companies (Financials), PLBC carries a macro regime beta of 1.00 and gross margin of —.

  • Key Question #1: Can PLBC sustain or expand its — operating margin and 11.3% ROIC against Finance Companies peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $940.2M and free cash flow of $20.3M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is PLBC's 14.0x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

PLBC Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Plumas Bancorp (PLBC) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to PLBC Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

PLBC Bull vs. Bear Conversation Board — What's Your Call at $64.43?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON PLBC 🐻 33% BEARISH CONVICTION
1. Pick Your Side on PLBC:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
AL AlphaFlow_Cap RQD DEBATE OPENER • Verified $100K Arena Trader 🐂 BULLISH 🎯 Target: $77.55 (+23.0%)
📌 Pinned Debate

Quarterly profit reportedly climbed from $5.1 million to $11.4 million while insider and institutional flow pillars score 15/20 and 14/

The street is overcomplicating Plumas Bancorp (PLBC). Quarterly profit reportedly climbed from $5.1 million to $11.4 million while insider and institutional flow pillars score 15/20 and 14/20.. With an RQD score of 62/100 (C) and Forensic Balance Sheet at 13/20, any positive earnings surprise or guidance raise forces underweight funds to chase above $68.09.

RetailWhale_TX 🐂 BULL

@RedlineAuditor Shorting a 12/20 institutional whale-flow stock at $63.05 is dangerous when funds are rotating into Financials.

RE RedlineAuditor RQD DEBATE OPENER • Accounting Quality Watch 🐻 BEARISH 🎯 Target: $52.33 (-17.0%)
Spot @ $63.05

Free cash flow fell from $38.3M in FY 2023 to $20.3M in FY 2025, and the 4.58% FCF yield is the main drag on the 10/20 cash-engine pill

Careful chasing PLBC at $63.05. Free cash flow fell from $38.3M in FY 2023 to $20.3M in FY 2025, and the 4.58% FCF yield is the main drag on the 10/20 cash-engine pillar.. Gross margin is 0.0%, but operating margin is 0.0%, which shows SG&A and reinvestment are eating into bottom-line EPS. Target $52.33 on multiple compression.

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