How do I set a price alert for PLBC?

To set a PLBC price alert on Stock Alarm Pro, navigate to the PLBC quote page, select "Set Alert," choose your trigger type (price target, % move, RSI level, MACD, or volume breakout), and set your delivery channel. Stock Alarm Pro supports instant push notifications, SMS, and automated phone call alerts.

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Yes. Stock Alarm Pro provides real-time automated phone call alerts for PLBC. Phone call alerts ensure you are immediately awakened or interrupted during critical volatility events, overnight earnings moves, or strict stop-loss levels when silent push notifications might be overlooked.

What types of alerts can I set for Plumas Bancorp?

Stock Alarm Pro supports over 125 trigger types for PLBC: price target alerts (above/below target), intraday percentage moves, RSI overbought/oversold levels, 50-day and 200-day moving average crossovers (golden cross / death cross), relative volume (RVOL) spikes, confirmed earnings date releases, and SEC Form-4 insider transaction filings.

How quickly will I be notified about PLBC price changes?

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PLBC Company Intelligence - Business Model, Drivers & Risks

Plumas Bancorp(PLBC)

$61.70—Earnings · Oct 21

WatchlistAsk AI Chart

Plumas Bancorp(PLBC)

NASDAQAbout this data

$61.70—Earnings · Oct 21

WatchlistAsk AI Chart Studio

PLBC(PLBC)

PLBC

Plumas Bancorp operates Plumas Bank, a community bank serving northeastern California and northwestern Nevada through 13 branches. The bank focuses on commercial and agricultural lending in rural markets including Plumas, Lassen, Modoc, and Sierra counties, with particular strength in timber, ranching, and small business sectors. Its competitive position derives from local market knowledge and relationship banking in underserved rural communities where larger regional banks have limited presence.

Financial ServicesCommunity Banks - Rural/Agriculturalmoderate - Fixed branch infrastructure and compliance costs create a base expense level, but incremental loan growth flows through at high margins once overhead is covered. The 36.6% operating margin suggests efficient operations for a community bank, though scale is limited by geographic footprint.

Business Overview

01Net interest income from commercial and agricultural loans (estimated 70-75% of revenue)

02Real estate lending including commercial properties and residential mortgages (estimated 15-20%)

03Fee income from deposit services, treasury management, and loan servicing (estimated 5-10%)

Plumas Bank generates revenue primarily through net interest margin - the spread between interest earned on loans and interest paid on deposits. The bank originates commercial loans, agricultural operating lines, equipment financing, and commercial real estate mortgages in its rural footprint, funding these with low-cost deposits from local businesses and consumers. Pricing power comes from limited competition in remote markets and deep relationships with borrowers who value local decision-making. The 80.9% gross margin reflects the high-margin nature of banking (interest income minus interest expense as a percentage of interest income). Operating leverage is moderate - branch networks create fixed costs, but loan growth can be achieved without proportional expense increases.

What Moves the Stock

Net interest margin expansion/compression driven by Federal Reserve policy and deposit competition

Loan portfolio growth in commercial and agricultural segments, particularly in timber and ranching sectors

Credit quality metrics including non-performing loans and charge-offs in cyclical agricultural/commodity-exposed borrowers

Deposit growth and funding cost management as larger banks compete for rural deposits

M&A speculation as community banks consolidate in California

Watch on Earnings

Net interest margin (NIM) - the spread between loan yields and deposit costsLoan growth rate by category (commercial, agricultural, real estate)Non-performing assets ratio and provision for credit lossesEfficiency ratio (non-interest expense / revenue)Return on average assets (ROAA) and return on average equity (ROAE)

Risk Factors

Geographic concentration in rural northeastern California/northwestern Nevada limits diversification and exposes the bank to regional economic shocks, wildfire impacts, and water availability issues

Declining rural populations and consolidation in agriculture/timber industries may shrink the addressable market over time

Regulatory burden disproportionately affects small banks with limited scale to absorb compliance costs

Larger regional banks and national fintech lenders can offer lower rates and digital capabilities that community banks struggle to match

Agricultural lending competition from Farm Credit System institutions with government-sponsored advantages

Deposit competition intensifying as money market funds and online banks offer higher yields than traditional branch-based deposits

Loan concentration risk in agricultural and timber sectors creates vulnerability to commodity price cycles and climate events

Limited capital base ($400M market cap) constrains growth capacity and acquisition currency versus larger peers

Asset-liability mismatch risk if deposit costs rise faster than loan yields reprice in a rate environment shift

StructuralCompetitiveBalance Sheet

Macro Sensitivity

Economic Cycle

moderate-to-high - Agricultural and timber borrowers are sensitive to commodity prices and weather conditions. Small business lending correlates with regional economic activity. Rural California/Nevada economies depend on natural resources, tourism, and government employment, creating cyclical exposure. The 48.6% revenue growth likely reflects rising interest rates rather than loan volume expansion.

Interest Rates

High positive sensitivity to rising rates in the near term. As a community bank with variable-rate commercial loans and sticky low-cost deposits, Plumas benefits from Fed rate increases through margin expansion. However, prolonged high rates can pressure loan demand and increase credit risk in rate-sensitive sectors like agriculture and real estate. The current environment (February 2026) with rates elevated benefits NIM but may constrain loan growth.

Credit

Significant credit exposure through concentrated agricultural and timber lending. Commodity price volatility (timber, cattle, crops) directly impacts borrower cash flows. Drought conditions in California create agricultural credit risk. Commercial real estate exposure in small rural markets has limited liquidity and can experience sharp valuation declines in downturns.

Live Conditions

30-Year Treasury10-Year TreasuryRussell 2000 Futures5-Year TreasuryDow Jones Futures2-Year TreasuryS&P 500 Futures30-Day Fed Funds

Profile

value - The 1.4x price-to-book and 3.3x price-to-sales ratios suggest value orientation. The 27.2% six-month return indicates momentum investors have entered. Community bank investors typically seek stable dividends, regional economic exposure, and potential M&A premiums. The 13.3% ROE is respectable for a small community bank but not growth-oriented.

moderate-to-high - Small-cap community banks experience higher volatility than large regional banks due to limited float, concentrated loan portfolios, and M&A speculation. The $400M market cap means institutional ownership is limited and liquidity can be thin, amplifying price swings on modest volume.

Key Metrics to Watch

Federal Funds Rate and 10-year Treasury yield for NIM trajectory

Timber prices and lumber futures (LBUSD) as proxy for borrower health in key lending vertical

California agricultural commodity prices (cattle, hay, grains) affecting borrower cash flows

Non-performing loan ratio and net charge-offs as early warning for credit deterioration

Deposit beta - the percentage of rate increases passed through to depositors

Loan-to-deposit ratio indicating funding stability and growth capacity

real estate M&A margin expansion operating leverage regulation