Plumas Bancorp (PLBC)
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
$63.24+0.91%
Close 2026-09-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · PLBC
How strong the business is — where it ranks within its sector on capital efficiency and cash generation, and how well management has been executing.
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.
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
Continue expanding loan portfolio and deposits organically and via acquisitions, notably the Cornerstone acquisition completed in 2025.
Stated as a priority in 2 of last 2 quarters. Gross loans increased by $494 million, or 49%, from $1.0 billion at 2025-Q2 to $1.5 billion at 2026-Q2, and total deposits increased by $518 million, or 38%, from $1.4 billion to $1.9 billion over the same period. Management is delivering on this growth priority, driven largely by the Cornerstone acquisition and organic expansion.
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 2 of the last 3 quarter-over-quarter moves. Historically, Financials names rated neutral grew net income 55% of the time over the next year (vs 62% for the rest of the cohort, n=10246).
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
“Deposit growth, strong net interest income, and continued operating performance demonstrate the benefits of our expanded franchise.”
“Primarily reflecting the acquisition of Cornerstone, gross loans increased by $491 million, or 49%, to $1.5 billion.”
Maintain strong capital position to support growth, return capital to shareholders via dividends and share repurchase program.
Stated as a priority in 2 of last 2 quarters. Shareholders' equity increased by $79 million, or 41%, from $193 million at 2025-Q2 to $272 million at 2026-Q2. The quarterly cash dividend was maintained at $0.33 per share in both 2026-Q1 and 2026-Q2. Management is delivering on capital management with equity growth and consistent dividends, supported by a $25 million share repurchase authorization.
“Our capital position continues to provide flexibility to support organic growth opportunities, return capital to shareholders through both dividends and our share repurchase program.”
“Board authorized a stock repurchase program of up to $25 million through the fourth quarter of 2026, reflecting our strong capital position.”
Focus on monitoring economic conditions and individual credit relationships to maintain asset quality and prudent underwriting standards.
Stated as a priority in 2 of last 2 quarters. Provision for credit losses decreased from $1.1 million in first half 2025 to $270 thousand in first half 2026, indicating improved credit risk management. However, nonperforming loans increased from $13.7 million at 2025-Q2 to $23.5 million at 2026-Q2, showing some asset quality challenges. Management continues to focus on prudent underwriting and monitoring.
“Asset quality remains a key area of focus. We believe our loan portfolio remains well diversified and supported by prudent underwriting standards.”
“Provision for credit losses was a $330 thousand recovery during the current quarter, compared to a $250 thousand provision in the first quarter of 2025.”
Enhance leadership and organizational depth through key executive appointments and promotions.
Stated as a priority in 2 of last 2 quarters. Management highlighted strengthening the leadership team with key executive appointments and benefiting from talent acquired via the Cornerstone acquisition. While no specific numerical metrics are provided, the recurring emphasis indicates ongoing focus on organizational depth.
“We also continued to benefit from the high-quality customer relationships and talented employees who joined our organization through the Cornerstone acquisition.”
“We continued to strengthen our leadership team with the addition of experienced executives.”
Continue paying a quarterly cash dividend of $0.33 per common share as declared by the Board of Directors.
Over the trailing year it converted 0.87x of net income into operating cash flow. Historically, Financials names rated neutral grew net income 60% of the time over the next year (vs 57% for the rest of the cohort, n=9112).
Most sensitive to the broad stock market.
Not enough signal to read sensitivity to the US dollar, real (inflation-adjusted) rates, long-term interest rates, Fed net liquidity (low R² over the window).
29 material management or governance events in the past 24 months, led by executive changes. Historically, Financials names rated volatile grew net income 59% of the time over the next year (vs 56% for the rest of the cohort, n=2797).
Not investment advice. As of 2026-09-04.