
Plumas Bancorp (PLBC) Stock Forecast & Price Target
Plumas Bancorp (PLBC) Analyst Ratings
Bulls say
Plumas Bancorp is positioned for positive growth, anticipating that deposit growth will be outpaced by loan growth in 2026, bolstered by recent investments in treasury management products aimed at larger HOA deposit relationships. The company's earnings per share projections for 2026 and 2027 have been raised to $5.70 and $6.00, respectively, reflecting improved net interest margin (NIM) stability despite expectations of slower loan growth and higher non-interest expenses (NIE). Notably, Plumas reported a margin expansion of 3 basis points quarter-over-quarter in the first quarter, achieving a NIM of 5.03%, which exceeds both internal estimates and broader market expectations, indicating a favorable financial trajectory.
Bears say
Plumas Bancorp's latest financial report indicates a significant decline in key metrics, with deposits dropping by 7.8% on a last quarter annualized (LQA) basis and loans down by 2.8% LQA, which fell short of expectations. The reduction in deposits by $34.8 million, primarily driven by non-interest-bearing and money market accounts, coupled with a contraction in loans, suggests a weak demand for banking services and potential liquidity issues. Additionally, the challenging commercial real estate market introduces increased risks of default, further exacerbating the overall financial outlook for the institution.
This aggregate rating is based on analysts' research of Plumas Bancorp and is not a guaranteed prediction by Public.com or investment advice.
Plumas Bancorp (PLBC) Analyst Forecast & Price Prediction
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