Stock fact sheet · data as of
Plumas Bancorp (PLBC): fair value, margin of safety and Wheel Score
Ticker symbol PLBC · Financial Services · Banks - Regional · United States · Blend Quality
Is PLBC undervalued?
PLBC closed at 63.78 on 5 Nov 2026 against a GLS average fair value of 63.56 - exactly at fair value, which our scans read as "fairly priced". 4 of 9 models are above the current price. There is no discount to lean on here, so the margin of safety is not the reason to look at the stock.
There is a wide gap between GLS Growth (7.20) and DCF (214.81). When the models are this far apart the "fair value" is really a range, and the margin of safety above should be read with that range in mind.
Ranked against every other company we cover, neither cheapness nor growth clearly wins for PLBC, so the nightly engine files it under Blend (value score 54, growth score 48, out of 100). It also carries the Quality tag (Quality = moat 7.5+ out of 10 and Piotroski 7+).
Nine valuation models for PLBC
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 214.81 | +237% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 71.68 | +12% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 97.62 | +53% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 24.20 | -62% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 7.20 | -89% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 54.52 | -15% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 15.37 | -76% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 19.42 | -70% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 67.23 | +5% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -216.71 | -440% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 68.25 | +7% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Plumas Bancorp scores 7 of 9 on the Piotroski F-score, the nine yes/no tests of profitability, leverage and efficiency on the latest annual accounts - a strong reading that passes the "Piotroski 6 or more" Wheel Trade Filter with room to spare. A GLS Moat score of 8.9/10 puts PLBC among the more durable businesses we track: over up to ten years its returns on capital have stayed high, its margins steady and its balance sheet sound.
Returns on capital are moderate - ROIC 7.2%, ROE 11.3%, ROA 1.3% - with debt at 0.57 times equity and a free-cash-flow yield of 1.4%.
The dividend yield is 2.07% at a payout ratio of 16%; for a wheel trader holding assigned shares the dividend adds to the covered-call premium, and the ex-dividend date is worth knowing before a call is sold. Revenue comes mainly from Service 100% (quarter Q2 FY2026).
Institutional ownership scores 6/10, insider activity 8/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 7 / 9 | ROIC | 7.2% |
|---|---|---|---|
| GLS Moat | 8.9 / 10 | ROE | 11.3% |
| Debt / equity | 0.57 | ROA | 1.3% |
| Free-cash-flow yield | 1.4% | Payout ratio | 16% |
| Institutions | 6 / 10 | Insiders · Congress | 8 · 5 / 10 |
Wheel Score 24: No options
No options are listed on Plumas Bancorp in our nightly snapshot, so it fails the first Wheel Trade Filter (options that actually trade) (it reads 24, under 70) and is left out of every options scan; the fair value and health figures above are still useful for a plain stock position.
Volume runs at 53k shares a day on a market cap of $444M, with a beta of 0.56 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score rates that fair.
| Filter | Wheel Trade Filter | Result | Detail |
|---|---|---|---|
| 1 | Options that actually trade | Fails | no listed options |
| 2 | A real business, not a gamble | Passes | Profitable over the last twelve months - not a speculative stock, fund or note |
| 3 | Below fair value | Fails | trades right at our fair value |
| 4 | Financially healthy | Passes | Piotroski F-score 6 or more out of 9 (a company with no score on file passes) |
| 5 | Can repay its debt | Passes | Long-term debt repaid from 3 years of operating cash flow or less (6 for real estate and utilities; banks and insurers are not judged on it) |
| 6 | No serious red flags | Passes | Red Flags score 60 or more out of 100 (earnings, margins, debt, analysts, filings and price checked the same way for every stock) |
| 7 | A premium worth selling | Fails | no implied volatility |
| 8 | Big enough | Fails | market cap $444M (under $1.0B) |
| 9 | Not a penny stock | Passes | Share price $5 or more |
| How it ranks | Rating | From | |
|---|---|---|---|
| Value | Weak | 0% above fair value | |
| Premium | Weak | no option data | |
| Moat | Strong | moat 8.9/10 | |
| Health | Good | Piotroski 7/9 | |
| Red Flags | Fair | not scored yet - half marks | |
| Option trading | Weak | no option volume data | |
| Stability | Fair | beta 0.56, $444M company |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it fits into a trade, start to finish.
Upcoming events
The next earnings report is due on 20 Jan 2027, 76 days away - outside the window of a 30-45-day put sold today.
No analyst upgrades or downgrades were recorded in the last 30 days.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to Plumas Bancorp by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| RBB RBB Bancorp | 26.24 | 33.05 | +21% | 50Fair | $444M |
| CBAN Colony Bankcorp, Inc. | 20.59 | 28.04 | +27% | 42Weak | $437M |
| PCB PCB Bancorp | 30.95 | 37.80 | +18% | 47Weak | $435M |
| CBK Commercial Bancgroup, Inc. Common Stock | 33.52 | 30.79 | -9% | 20No options | $460M |
| PBFS Pioneer Bancorp, Inc. | 18.80 | 11.70 | -61% | 16No options | $467M |
| CZFS Citizens Financial Services, Inc. | 87.30 | 101.59 | +14% | 26No options | $420M |
| FNLC The First Bancorp, Inc. | 37.15 | 34.38 | -8% | 35Weak | $419M |
| CHMG Chemung Financial Corporation | 86.88 | 79.83 | -9% | 19No options | $419M |
| NECB Northeast Community Bancorp, Inc. | 29.87 | 81.27 | +63% | 52Fair | $411M |
| BMRC Bank of Marin Bancorp | 29.52 | 51.77 | +43% | 48Weak | $479M |
| AVBC Avidia Bancorp, Inc. | 23.05 | 18.93 | -22% | 36Weak | $409M |
| FCBM First Carolina Financial Services | 13.50 | 26.41 | +49% | 31No options | $408M |
⚖ Compare PLBC with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about PLBC
Is PLBC undervalued right now?
Not meaningfully: at 63.78 the stock trades within a few percent of the GLS average fair value of 63.56 (exactly at fair value, data as of 5 Nov 2026).
What is the Wheel Score of PLBC and what does it mean?
PLBC has no listed options in our nightly snapshot, so it cannot be wheeled; it fails the first Wheel Trade Filter (options that actually trade), stays under 70 and is shown as "No options".
What is the GLS fair value for PLBC?
63.56 per share as of 5 Nov 2026 - the simple average of the 9 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does Plumas Bancorp report earnings next?
The next earnings report is due on 20 Jan 2027, 76 days from the data date of 5 Nov 2026. The Calendars page lists every upcoming report with its time of day.
Does PLBC have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on PLBC, so the wheel strategy cannot be run on it and the Wheel Score stays under 70.