Plumas Competitors

PLBC Stock

USD 48.49 0.05 0.10%

The company is classified under the Banks sector. Plumas Bancorp competes with Colony Bankcorp, First Bancorp, FS Bancorp, Waterstone Financial, and BayCom Corp and other related companies. Peer context helps frame relative positioning. Relative analysis here helps size exposure to Plumas Bancorp with less guesswork.

Plumas Bancorp vs Citizens Financial Correlation Snapshot

Poor diversification

The correlation between PLBC and CZFS is 0.66, which Macroaxis classifies as Poor diversification for the selected horizon. Used correctly, the chart helps investors judge whether adding the second position genuinely diversifies the first.

Moving together with Plumas Stock

0.89	FBNC	First Bancorp	Pair Corr
0.84	MTB	MT Bank	Pair Corr

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Mean reversion is the tendency of Plumas Bancorp's price to return to its historical average after periods of extreme deviation. Investors who identify when Plumas Bancorp's is significantly above or below its mean may find compelling entry or exit opportunities.

Hype

Prediction

Low	Estimated	High
46.58	48.45	50.32

Details

Intrinsic

Valuation

Low	Real	High
43.64	57.28	59.15

Details

Naive

Forecast

Low	Next	High
47.42	49.29	51.16

Details

3 Analysts

Consensus

Low	Target	High
52.17	57.33	63.64

Details

Analyzing Plumas Bancorp in isolation is insufficient for informed investment decisions. Placing Plumas Bancorp's results in the context of its peer group reveals whether its performance is company-specific or simply a function of industry-wide trends.

Plumas Bancorp Competition Correlation Matrix

Correlation analysis between Plumas Bancorp and its competitors helps investors understand whether diversification is real or only superficial inside the same peer group. This matrix is most informative when investors want to know whether adding another peer would improve diversification, increase crowding, or leave total risk largely unchanged.

	CBAN	FNLC	FSBW	WSBF	BCML	PCB	CZNC	TSBK	JMSB	CZFS
CBAN		0.89	-0.02	0.87	0.1	0.54	0.96	0.94	0.12	0.65	CBAN
FNLC	0.89		0.28	0.72	0.43	0.77	0.91	0.89	0.37	0.67	FNLC
FSBW	-0.02	0.28		0.03	0.71	0.67	0.11	0.0	0.79	0.39	FSBW
WSBF	0.87	0.72	0.03		-0.04	0.42	0.86	0.84	0.13	0.78	WSBF
BCML	0.1	0.43	0.71	-0.04		0.8	0.26	0.23	0.74	0.19	BCML
PCB	0.54	0.77	0.67	0.42	0.8		0.66	0.61	0.67	0.58	PCB
CZNC	0.96	0.91	0.11	0.86	0.26	0.66		0.94	0.22	0.7	CZNC
TSBK	0.94	0.89	0.0	0.84	0.23	0.61	0.94		0.18	0.6	TSBK
JMSB	0.12	0.37	0.79	0.13	0.74	0.67	0.22	0.18		0.46	JMSB
CZFS	0.65	0.67	0.39	0.78	0.19	0.58	0.7	0.6	0.46		CZFS
	CBAN	FNLC	FSBW	WSBF	BCML	PCB	CZNC	TSBK	JMSB	CZFS

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High positive correlations

CZNC	+ 0.96	CBAN
TSBK	+ 0.94	CBAN
TSBK	+ 0.94	CZNC
CZNC	+ 0.91	FNLC
FNLC	+ 0.89	CBAN
TSBK	+ 0.89	FNLC

High negative correlations

BCML	- 0.04	WSBF
FSBW	- 0.02	CBAN
TSBK	- 0.0	FSBW

Risk-Adjusted Indicators

There is a big difference between Plumas Stock performing well and Plumas Bancorp Company doing well as a business compared to the competition. There are so many exceptions to the norm that investors cannot definitively determine what's good or bad unless they analyze Plumas Bancorp's multiple risk-adjusted performance indicators across the competitive landscape. These indicators are quantitative in nature and help investors forecast volatility and risk-adjusted expected returns across various positions.

	Mean Deviation	Jensen Alpha	Sortino Ratio	Treynor Ratio	Semi Deviation	Expected Shortfall	Potential Upside	Value @Risk	Maximum Drawdown
CBAN	1.03	0.21	0.17	0.20	1.10	-1.27	2.97	-1.52	9.08
FNLC	1.32	0.14	0.09	0.10	1.50	-1.47	2.70	-2.78	8.15
FSBW	1.17	-0.05	0.00	-0.13	0.00	0.00	3.13	-2.42	9.27
WSBF	1.20	0.19	0.14	0.19	1.25	-1.39	2.57	-2.69	11.36
BCML	1.29	0.02	0.03	0.02	1.52	-1.43	3.01	-2.78	9.92
PCB	1.33	0.04	0.03	0.01	1.69	-1.43	2.47	-2.38	9.24
CZNC	1.21	0.15	0.11	0.19	1.42	-1.38	2.95	-2.56	7.63
TSBK	1.13	0.19	0.16	0.26	1.07	-1.31	3.41	-2.04	8.75
JMSB	1.14	0.00	0.00	-0.04	0.00	0.00	2.23	-2.37	8.67
CZFS	1.59	0.09	0.04	0.05	1.99	-1.70	3.33	-3.45	10.63

Peer Comparison: Net Income

Net income is one of the most important fundamental items in finance. It plays a large role in Plumas Bancorp financial statement analysis. It represents the amount of money remaining after all of Plumas Bancorp operating expenses, interest, taxes and preferred stock dividends have been deducted from a company total revenue.

Compare Plumas Bancorp and related stocks such as Colony Bankcorp, First Bancorp, and FS Bancorp Net Income Over Time

Select Fundamental

	2010	2011	2012	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026
CBAN	2.1 M	2.5 M	2.6 M	4.6 M	7.5 M	8.4 M	8.7 M	7.8 M	11.9 M	10.2 M	11.8 M	18.7 M	19.5 M	21.7 M	23.9 M	28.3 M	29.7 M
FNLC	2.7 M	12.4 M	12.7 M	13 M	14.7 M	16.2 M	18 M	19.6 M	23.5 M	25.5 M	27.1 M	36.3 M	39 M	29.5 M	27 M	34.4 M	36.1 M
FSBW	1.2 M	1.5 M	5.3 M	3.9 M	4.5 M	8.9 M	10.5 M	14.1 M	24.3 M	22.7 M	39.3 M	37.4 M	29.6 M	36.1 M	35 M	33.3 M	17.4 M
WSBF	5.3 M	-7.5 M	34.9 M	14.7 M	12.7 M	16.6 M	25.5 M	26 M	30.8 M	35.9 M	81.1 M	70.8 M	19.5 M	9.4 M	18.7 M	26.4 M	18.6 M
BCML	-732 K	7.3 M	2.2 M	2.7 M	5.2 M	7.5 M	5.9 M	5.3 M	14.5 M	17.3 M	13.7 M	20.7 M	23.7 M	27.4 M	23.6 M	23.9 M	25.1 M
PCB	-968.3 K	841.7 K	8 M	21.4 M	11.8 M	12.2 M	14 M	16.4 M	24.3 M	24.1 M	16.2 M	40.1 M	35 M	30.7 M	25.8 M	37.5 M	39.3 M
CZNC	7.5 M	23.4 M	22.7 M	18.6 M	17.1 M	16.5 M	15.8 M	13.4 M	22 M	19.5 M	19.2 M	30.6 M	26.6 M	24.1 M	26 M	23.4 M	16.1 M
TSBK	3.3 M	4.6 M	4.8 M	5.8 M	8.3 M	10.2 M	14.2 M	16.7 M	24 M	24.3 M	27.6 M	23.6 M	27.1 M	24.3 M	29.2 M	33.5 M	35.2 M
JMSB	5 M	5 M	5 M	7.1 M	8 M	8.9 M	8.3 M	9 M	12.2 M	15.9 M	18.5 M	25.5 M	31.8 M	5.2 M	17.1 M	21.2 M	15.2 M
CZFS	2.4 M	12.8 M	14.2 M	13.4 M	13.4 M	11.6 M	12.6 M	13 M	18 M	19.5 M	25.1 M	29.1 M	29.1 M	17.8 M	27.8 M	36.6 M	38.4 M

Plumas Bancorp Competitive Analysis

Sizing up Plumas Bancorp against Colony Bankcorp, First Bancorp, and FS Bancorp reveals meaningful differences in scale and efficiency. At a 337.4 M valuation, Plumas Bancorp brings in 108.2 M on the top line. The company converts revenue to profit at a 32.39% rate and delivers 13.49% on shareholder equity. Colony Bankcorp pulls in 186.1 M in revenue while the other reports 108.2 M. Earnings multiples split the pair: 11.39x for Plumas Bancorp against 8.81x for First Bancorp. Profit margins tilt toward Plumas Bancorp at 32.39% against FS Bancorp at 23.30%.

Better Than Average

Worse Than Peers

View Performance Chart

	PLBC	CBAN	FNLC	FSBW	WSBF	BCML	PCB	CZNC	TSBK	JMSB
	0.10 48.49 Plumas	0.36 19.33 Colony	0.51 27.36 First	2.42 38.29 FSBW	0.57 17.54 Waterstone	0.35 29.01 BayCom	1.86 21.65 PCB	0.28 21.73 Citizens	0.91 37.92 Timberland	0.46 19.60 John
Market Volatility (90 Days Market Risk)	Very Low	Very Low	Very Low	Very Low	Very Low	Very Low	Very Low	Very Low	Very Low	Very Low
Market Performance (90 Days Performance)	Mild	Contained	Weak	Weak	Mild	Weak	Weak	Weak	Soft	Weak
Odds of Financial Distress (Probability Of Bankruptcy)	Tiny	Tiny	Tiny	Low	Low	Tiny	Tiny	Tiny	Tiny	Low
Current Valuation (Equity Enterprise Value)	Under Valued	Under Valued	Under Valued	Under Valued	Over Valued	Under Valued	Under Valued	Under Valued	Over Valued	Fairly Valued
Buy or Sell Analysis (Average Analysts Consensus)	Strong Buy	Buy	Strong Sell	Buy	Hold	Strong Buy	Hold	Hold	Strong Sell	Not Available
Trade Advice (90 Days Macroaxis Advice)	Buy	Strong Buy	Strong Buy	Strong Hold	Strong Buy	Cautious Hold	Strong Hold	Strong Buy	Strong Buy	Strong Hold
Net Asset	2.24 B	3.74 B	3.17 B	3.2 B	2.26 B	2.59 B	3.28 B	3.13 B	2.01 B	2.33 B
Profit Margin	0.32	0.22	0.37	0.23	0.17	0.25	0.34	0.2	0.36	0.35
EBITDA	39.59 M	35.13 M	41.94 M	54.95 M	33.45 M	36.08 M	52.49 M	28.64 M	38.73 M	27.38 M
Operating Margin	0.52	0.31	0.51	0.32	0.26	0.37	0.47	0.35	0.49	0.49
Current Valuation	404.72 M	411.25 M	465.51 M	440.16 M	688.86 M	129.59 M	220.55 M	536.19 M	68.62 M	232.98 M
Price To Book	1.29	1.1	1.08	0.93	0.92	0.93	0.96	1.13	1.11	1.05
Retained Earnings	195.9 M	160.58 M	240.46 M	280.2 M	292.96 M	178.9 M	186.49 M	171.21 M	236.61 M	176.91 M
Five Year Return	1.69	1.98	4.32	1.42	3.21	N/A	1.94	4.62	2.58	N/A
Beta	0.58	0.62	0.54	0.68	0.83	0.31	0.53	0.5	0.35	0.49
Number Of Employees	183	526	278	580	593	327	264	460	271	139
Shares Outstanding	6.96 M	21.25 M	11.22 M	7.51 M	18.46 M	10.89 M	14.23 M	17.82 M	7.88 M	14.2 M
Cash Flow From Operations	30.51 M	9.59 M	15.71 B	2.02 M	19.02 M	30.36 M	38.98 M	32 M	30.16 M	22.58 M
Annual Yield	0.0273	0.0241	0.0537	0.0303	0.0386	0.0363	0.0379	0.0515	0.0287	0.0199
Total Debt	147.9 M	268.43 M	187.82 M	141.08 M	412.26 M	22.39 M	71.99 M	193.05 M	23.08 M	90.51 M
Return On Equity	0.13	0.0863	0.13	0.11	0.0695	0.0722	0.0994	0.0759	0.12	0.0829
Return On Asset	0.0153	0.0083	0.0109	0.0107	0.0106	0.0091	0.0118	0.0082	0.0156	0.0093
Number Of Shares Shorted	56.62 K	74.48 K	58.91 K	63.16 K	123.39 K	97.05 K	132.01 K	280.26 K	31.29 K	81.85 K
Book Value Per Share	37.52	17.69	25.23	41.56	19.59	31.31	22.74	19.17	34.06	18.78
Total Asset	2.24 B	3.74 B	3.17 B	3.2 B	2.26 B	2.59 B	3.28 B	3.13 B	2.01 B	2.33 B
Debt To Equity	13.1	14.2	8.34	7.99	3.5	6.92	10.39	0.14	8.21	N/A
Short Ratio	1.98	0.78	3.15	6.38	2.13	3.83	5.17	5.16	1.54	4.43
Target Price	57.33	22.0	N/A	46.5	12.5	33.0	25.25	25.0	12.5	23.0
Last Dividend Paid	1.2	0.46	1.47	1.12	0.6	0.9	0.8	1.12	1.05	0.3
Shares Owned By Institutions	45.9	56.21	52.26	68.26	49.91	65.57	41.4	31.2	67.23	48.94
Market Capitalization	337.44 M	411.23 M	307.04 M	287.88 M	285.9 M	316.14 M	308.75 M	387.3 M	298.93 M	278.42 M
Price To Earning	11.39	8.64	8.81	3.24	4.18	14.63	13.66	15.69	10.8	20.8
Price To Earnings To Growth	1.49	2.11	N/A	N/A	N/A	N/A	N/A	1.21	2.94	N/A
Price To Sales	3.69	3.22	3.31	2.01	2.26	3.28	2.76	3.32	3.57	4.57
Net Income	28.62 M	28.25 M	34.39 M	33.35 M	26.4 M	23.61 M	37.45 M	23.43 M	29.16 M	21.23 M
Earnings Per Share	4.54	1.59	3.07	4.29	1.33	2.18	2.58	1.46	3.85	1.49
Shares Owned By Insiders	7.02	3.76	4.92	15.11	19.57	7.5	25.53	3.56	7.04	12.94
Revenue	108.25 M	186.11 M	177.61 M	217.51 M	201.61 M	141.83 M	209.37 M	154.19 M	110.49 M	115.33 M
Cash And Equivalents	334.12 M	85.04 M	99.19 M	164.76 M	103.14 M	227.17 M	154.04 M	64.04 M	446.04 M	74.76 M
Cash Per Share	57.12	4.82	8.98	21.39	4.83	17.51	10.35	4.13	54.07	5.34
Gross Profit	91.45 M	127.68 M	92.87 M	143.14 M	137.06 M	96.47 M	111.69 M	116.63 M	83.73 M	60.95 M
Day Typical Price	48.66	19.42	27.42	38.75	17.6	29.01	21.73	21.68	38.01	19.74
Accumulation Distribution	0.0161	0.0193	0.0184	0.0486	0.0252	0.0215	0.0236	0.0183	0.0331	0.0215
Market Facilitation Index	0.79	0.38	0.51	1.94	0.45	0.63	0.52	0.4	1.28	0.43
Daily Balance Of Power	0.0633	-0.18	-0.27	-0.49	-0.22	0.1587	-0.79	0.15	-0.27	-0.21
Period Momentum Indicator	0.05	-0.07	-0.14	-0.95	-0.10	0.1	-0.41	0.06	-0.35	-0.09
Rate Of Daily Change	1.0	1.0	0.99	0.98	0.99	1.0	0.98	1.0	0.99	1.0
Day Median Price	48.75	19.46	27.45	38.98	17.63	29.02	21.77	21.65	38.06	19.82
Price Action Indicator	-0.23	-0.17	-0.16	-1.17	-0.15	0.045	-0.33	0.11	-0.32	-0.26
Coefficient Of Variation	1016.72	835.26	1597.96	-2,516	1094.93	11145.68	12264.15	1255.37	933.22	-12,401
Mean Deviation	1.08	1.03	1.32	1.17	1.2	1.29	1.33	1.21	1.13	1.14
Jensen Alpha	0.2223	0.2076	0.1407	-0.05	0.1887	0.0202	0.0405	0.1483	0.1881	0.0023
Total Risk Alpha	0.2762	0.2536	0.1916	0.0171	0.2523	0.1064	0.102	0.2116	0.2506	0.0638
Sortino Ratio	0.1742	0.1737	0.0889	N/A	0.1373	0.0329	0.0285	0.1088	0.1558	N/A
Downside Variance	1.55	1.52	2.51	N/A	2.06	2.38	2.96	2.29	1.74	N/A
Standard Deviation	1.85	1.5	1.69	1.63	1.78	1.78	1.74	1.63	1.59	1.53
Kurtosis	20.44	3.1	-0.02	1.7	6.2	2.38	0.7356	0.6793	1.34	0.81
Potential Upside	2.15	2.97	2.7	3.13	2.57	3.01	2.47	2.95	3.41	2.23
Treynor Ratio	0.1528	0.1975	0.0965	-0.13	0.187	0.0189	0.0051	0.1882	0.2632	-0.04
Maximum Drawdown	15.03	9.08	8.15	9.27	11.36	9.92	9.24	7.63	8.75	8.67
Variance	3.42	2.24	2.87	2.66	3.15	3.17	3.01	2.65	2.54	2.33
Market Risk Adjusted Performance	0.1628	0.2075	0.1065	-0.12	0.197	0.0289	0.0151	0.1982	0.2732	-0.03
Risk Adjusted Performance	0.0839	0.0999	0.0551	-0.03	0.0781	0.0127	0.0119	0.0684	0.0902	-0.0016
Skewness	3.45	0.5179	0.139	0.2467	1.46	0.9476	-0.06	0.0918	0.5951	0.2053
Semi Deviation	0.9979	1.1	1.5	N/A	1.25	1.52	1.69	1.42	1.07	N/A
Information Ratio	0.1172	0.143	0.0831	-0.02	0.1109	0.0285	0.0282	0.101	0.129	0.0147
Value At Risk	-1.82	-1.52	-2.78	-2.42	-2.69	-2.78	-2.38	-2.56	-2.04	-2.37
Expected Short fall	-1.18	-1.27	-1.47	N/A	-1.39	-1.43	-1.43	-1.38	-1.31	N/A
Downside Deviation	1.24	1.23	1.58	N/A	1.43	1.54	1.72	1.51	1.32	N/A
Semi Variance	0.9957	1.21	2.25	N/A	1.56	2.3	2.86	2.02	1.15	N/A

Peer Performance Charts

How to Analyze Plumas Bancorp Against Peers

Plumas Bancorp's peer analysis compares Plumas Bancorp with related companies to put valuation, quality, and risk metrics in context. This helps determine whether recent performance is company-specific or broadly sector-driven. A practical workflow includes:

Set a relevant peer group: Include direct competitors and close alternatives with comparable business exposure.
Benchmark core financials: Compare profitability, growth, capital structure, and cash flow quality.
Check valuation dispersion: Review whether Plumas Bancorp trades at a premium or discount versus peers and why.
Evaluate risk profile: Compare volatility, drawdowns, and correlation to avoid false diversification assumptions.
Document the thesis: Record where Plumas Bancorp leads or lags and what catalysts could close or widen the gap.

Use this as an educational baseline, then validate conclusions with current filings, market conditions, and portfolio objectives.

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Price To Sales Ratio	Dividend Yield
Ptb Ratio	Days Sales Outstanding
Book Value Per Share	Free Cash Flow Yield
Invested Capital	Operating Cash Flow Per Share
Average Payables	Stock Based Compensation To Revenue
Capex To Depreciation	Pb Ratio
Ev To Sales	Free Cash Flow Per Share
Roic	Inventory Turnover
Net Income Per Share	Days Of Inventory On Hand
Payables Turnover	Sales General And Administrative To Revenue
Average Inventory	Research And Ddevelopement To Revenue
Capex To Revenue	Cash Per Share
Pocfratio	Interest Coverage
Payout Ratio	Capex To Operating Cash Flow
Pfcf Ratio	Days Payables Outstanding
Net Current Asset Value	Income Quality
Roe	Tangible Asset Value
Ev To Operating Cash Flow	Pe Ratio
Return On Tangible Assets	Ev To Free Cash Flow
Earnings Yield	Intangibles To Total Assets
Net Debt To E B I T D A	Current Ratio
Tangible Book Value Per Share	Receivables Turnover
Graham Number	Shareholders Equity Per Share
Debt To Equity	Capex Per Share
Graham Net Net	Average Receivables
Revenue Per Share	Interest Debt Per Share
Debt To Assets	Enterprise Value Over E B I T D A
Short Term Coverage Ratios	Price Earnings Ratio
Operating Cycle	Price Book Value Ratio
Price Earnings To Growth Ratio	Days Of Payables Outstanding
Dividend Payout Ratio	Price To Operating Cash Flows Ratio
Price To Free Cash Flows Ratio	Pretax Profit Margin
Ebt Per Ebit	Operating Profit Margin
Effective Tax Rate	Company Equity Multiplier
Long Term Debt To Capitalization	Total Debt To Capitalization
Return On Capital Employed	Debt Equity Ratio
Ebit Per Revenue	Quick Ratio
Dividend Paid And Capex Coverage Ratio	Net Income Per E B T
Cash Ratio	Cash Conversion Cycle
Operating Cash Flow Sales Ratio	Days Of Inventory Outstanding
Days Of Sales Outstanding	Free Cash Flow Operating Cash Flow Ratio
Cash Flow Coverage Ratios	Price To Book Ratio
Fixed Asset Turnover	Capital Expenditure Coverage Ratio
Price Cash Flow Ratio	Enterprise Value Multiple
Debt Ratio	Cash Flow To Debt Ratio
Price Sales Ratio	Return On Assets
Asset Turnover	Net Profit Margin
Gross Profit Margin	Price Fair Value
Return On Equity

Plumas Competitors

Plumas Bancorp vs Citizens Financial Correlation Snapshot

Poor diversification

Moving together with Plumas Stock

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Plumas Bancorp Competition Correlation Matrix

High positive correlations

High negative correlations

Risk-Adjusted Indicators

Peer Comparison: Net Income

Plumas Bancorp Competitive Analysis

Peer Performance Charts

How to Analyze Plumas Bancorp Against Peers

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