Should I buy, hold, or sell PLBC stock right now?

Plumas Bancorp (PLBC) currently earns a Roarable Rating of C (Hold — HOLD) with 62/100 RQD Confidence. Solid steady margins (11% return on capital), mixed timing at 15x P/E—hold if owned, no rush to chase.

What is PLBC's 12-month price target and RQD AI Jury consensus?

PLBC's 12-month base price target is $65.59 (range $51.16 to $77.4), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Stock Ratings / Financials / PLBC

IQI (45) VKI (48) ORBS (24) PMO (49) ⌘ Pro Terminal →

Plumas Bancorp (PLBC) — RQD Stock Rating Cockpit

$64.43 +2.19% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $64.56

Plumas Bancorp (PLBC) carries a Roarable Rating of C (Hold) with 62/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C • HOLD / WATCH Cap $438.8M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on PLBC Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is PLBC stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-03, Plumas Bancorp (NASDAQ: PLBC) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 62/100 at a spot price of $64.43 (+2.19% 1D, market cap $438.8M). Pillar breakdown: Fundamental Cash Engine 10/20, Institutional 13F & Options Flow 12/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 12/20, and Executive Insider Alignment 15/20. Across 1097 tracked Financials issuers, PLBC ranks #343 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does PLBC compare to IQI and VKI in the Financials sector?

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Within the Financials sector (Finance Companies), PLBC carries a Roarable C (62/100 RQD), trailing P/E of 15.0x, gross margin of —, and ROIC of 11.3%. By comparison, IQI (Invesco Quality Municipal Income Trust) holds a D grade (45/100 RQD, P/E N/A, ROIC —, cap $480.2M) and VKI (Invesco Advantage Municipal Income Trust II of) posts a D grade (48/100 RQD, P/E N/A, ROIC —, cap $372.1M). Among the 5-stock peer group, PLBC leads on earnings multiple (15.0x) while PLBC leads on capital efficiency (11.3% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for PLBC?

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Per PLBC's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001168455), Plumas Bancorp generated $940.2M in revenue (+37.9% YoY), $29.6M in net income, and $20.3M in free cash flow against $2.24B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $64.56 (+0.20%)🧬 Cannibal Buyback (-2.08% YoY Shares)⚙️ Cash Engine: 10/20 (D) • 2.2% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 62/100 (C) historically posted market-perform odds over rolling 90-day windows (+0.7% avg 90D alpha vs SPY • 54.3% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C · Rk C

Each axis scored 0–20

12M PRICE TARGET CONE+1.8% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for PLBC)Realized 20D OHLCV Swing Band: ±4.1%

Deterministic 5-Pillar Attribution (62/100 Composite)

🔍 WHY PLBC SCORES 62/100 (C) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Insider Conviction & Share Dilution+15/20 pts (24% of score)

SEC Form 4 / 13F Thermometer: 75% Net Buy • Cannibal Buyback (-2.08% YoY Shares)

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (21% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 4/9

▼ #1 Drag / Risk Factor: Cash Engine Quality10/20 pts (-10 pt drag)

Capital intensity & 0% operating margin leave 10 pts on the table

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C-$61.64+1.4% Next Q

Q2 (-2Q)

Grade C$62.53+1.2% Next Q

Q3 (-1Q)

Grade C$63.30+1.8% Next Q

Current

Grade C$64.43+0.7% Hist 90D α

Trajectory: C- (54) → C (62)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the PLBC Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 62/100 (C) score, PLBC faces multiple-compression risk if 15.0x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.08% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($62.22) or 200D SMA ($56.12) invalidates the momentum regime and cuts Target Base ($65.59) toward Bear Floor ($51.16).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $PLBC• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “PLBC Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 62%NO 38%Trade / Inspect Odds →

RSI-14 MOMENTUMNEUTRAL RANGE

53.730 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.80>3.0 Fortress Safe

PIOTROSKI F-SCOREWEAK QUALITY (1–4)

4 / 99-Pt Accounting

52-WEEK LASER RANGE99% OF RANGE

L: $40$64.43H: $64

1. Money & Cash Health● WEAK

Are profits real cash in the bank?

Weak cash conversion or heavy valuation strain compared to actual cash earned.

Factor Grade: DRQD 10 / 20

2. Big Money & Insiders● NEUTRAL

Are whales & executives buying or selling?

Big funds and company insiders are mostly holding steady without aggressive buying or panic selling.

Factor Grade: C+RQD 27 / 40

3. Hidden Risks & Market Weather● WATCH

SEC fine-print scan & interest-rate fit

No major SEC filing blowups, though current interest rates and Fed liquidity call for normal position sizing.

Factor Grade: CRQD 25 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

JEV AI Jury Split (Battleground) on PLBC

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

BEARISH (50)

11.3% ROIC with 42.0% gross margin and 4.58% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

NEUTRAL (65)

Altman-Z 4.20 and Piotroski 4/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

NEUTRAL (65)

27/40 institutional & smart-money positioning score with 12/20 macro alignment.

Bull Case: Why Buyers Like PLBC

✓Company leadership has skin in the game with net positive insider conviction.

Bear Case: What Could Go Wrong

!Broader market pullbacks can still drag down strong stocks in the short run.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (PLBC Tape Review)

✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
✓Forensic Red-Light accounting & dilution traps to review on your watchlist
✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

PLBC // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +27.56%⚡ TESTING RESISTANCE

2026-11-03O $63.64H $64.43L $63.05C $64.43VOL 71.2K

RES: $64.50SUP: $60.32SMA50: $62.22SMA200: $56.12

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

PLBC Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 PLBC Butterfly Map → + Track PLBC →

Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle

7.2%/yr Implied 5Y Growth

vs. +37.9% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on PLBC today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for PLBC. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for PLBC today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (PLBC)

Financials Rank #343 of 1097 ⚔️ IQI vs PLBC Full Matrix →

1. Head-to-Head Financials Peer Comparison (PLBC vs. IQI, VKI, ORBS, PMO)

Industry: Finance Companies (27 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Plumas Bancorp (PLBC) ranks #343 by composite RQD confidence (62/100, grade C) and #733 by equity capitalization ($438.8M). Within this direct 5-issuer industry benchmark cohort, PLBC leads on earnings valuation at 15.0x trailing P/E, while PLBC leads on capital efficiency and profitability with 11.3% ROIC and — gross margin. PLBC currently leads its immediate peer cohort in composite quantitative strength at 62/100 (C).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
PLBC ACTIVE Plumas Bancorp	C	62/100	15.0x	—	11.3%	+2.19%	$438.8M	Benchmark Subject
IQI Invesco Quality Municipal Income Trust	D	45/100	—	—	—	-0.11%	$480.2M	/iqi-vs-plbc →
VKI Invesco Advantage Municipal Income Trust II of	D	48/100	—	—	—	-0.36%	$372.1M	/vki-vs-plbc →
ORBS Eightco Holdings Inc.	E	24/100	—	—	-26.0%	-13.61%	$340.7M	/orbs-vs-plbc →
PMO Franklin Municipal Opportunities Trust	D	49/100	—	—	—	+0.40%	$340.5M	/pmo-vs-plbc →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001168455 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Plumas Bancorp (PLBC) reported GAAP revenue of $940.2M (+37.9% vs. FY2024 revenue of $681.8M , and +545.4% cumulative change since FY2023) , GAAP net income of $29.6M, operating cash flow of $21.6M, and free cash flow of $20.3M (-32.0% YoY). On the balance sheet, PLBC closed FY2025 with $2.24B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 4/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$940.2M	$29.6M	$21.6M	$20.3M	$2.24B	—
FY2024 (FY)	2024-12-31	$681.8M	$28.6M	$30.5M	$29.8M	$1.62B	—
FY2023 (FY)	2023-12-31	$145.7M	$29.8M	$38.3M	$38.3M	—	—

3. PLBC Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is PLBC stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does PLBC compare to IQI and VKI in the Financials sector?

What are the biggest fundamental strengths and SEC risk factors for PLBC?

Where is PLBC trading relative to its 50-day, 200-day, and 52-week technical levels?

PLBC last traded at $64.43 (+2.19% on volume of 48,002 shares), positioning the stock +3.55% above its 50-day simple moving average ($62.22) and +14.81% above its 200-day simple moving average ($56.12). Across its 52-week range of $40.35 to $64.30, PLBC sits at the 100.0% percentile with a 14-day RSI of 53.7 (NEUTRAL RANGE) and an implied next-earnings move of ±4.1% ($61.79 to $67.07).

Direct Sub-Reports: PLBC RQD Cockpit PLBC 12M Forecast PLBC Earnings & Move PLBC Dividends & DRIP PLBC Insiders & 13F PLBC Whale Options PLBC Profit Sankey PLBC News & Why

ROARABLE RATING BRIEF • RQD 62/100 (C) ✓ SEC XBRL & RQD VERIFIED

PLBC — Plumas Bancorp: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit

Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Plumas Bancorp (PLBC) earns a live Roarable RQD composite score of 62/100, corresponding to a C letter grade (Roarable Hold) at a spot price of $64.43 (+2.19% 1D, market capitalization $438.8M).

Fundamental Cash Engine (10/20): Anchored by return on invested capital (ROIC) of 11.3%, gross margin of —, operating margin of —, and free cash flow yield of 4.58%.
Whale 13F & Options Flow (12/20) + Insider Conviction (15/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
Macro Regime Fit (12/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 4/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Plumas Bancorp (PLBC) is a NASDAQ-listed issuer classified under the Financials sector and the Finance Companies industry. The profile identifies its market capitalization as $0.4B.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Plumas Bancorp (PLBC) reported $940.2M in annual revenue (up from $681.8M in FY2024, +37.9% YoY) and $29.6M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($145.7M revenue, $29.8M net income) through FY2025, PLBC scaled operating cash flow to $21.6M and free cash flow to $20.3M, backed by $2.24B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

🐂 Primary Bull Case (C • RQD 62/100): Company leadership has skin in the game with net positive insider conviction. Free cash flow yield of 4.58% and institutional whale pillar of 12/20. With Fundamental Cash Engine at 10/20 and Institutional Whale Flow at 12/20, sustained execution supports upside toward the upper end of the $40.35 – $64.30 52-week range.
🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 15.0x trailing P/E against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Operating in Finance Companies (Financials), PLBC carries a macro regime beta of 1.00 and gross margin of —.

Key Question #1: Can PLBC sustain or expand its — operating margin and 11.3% ROIC against Finance Companies peers over the next 4 quarters?
Key Question #2: Following FY2025 revenue of $940.2M and free cash flow of $20.3M, how will capital allocation balance growth reinvestment against $0 in total debt?
Key Question #3: How sensitive is PLBC's 14.0x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

PLBC Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Plumas Bancorp (PLBC) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to PLBC Debate Forum (3) ↓

🟢 CATALYST Yahoo Finance • 22h ago

Plumas Bancorp (PLBC) Moves to Buy: Rationale Behind the Upgrade

Yahoo Finance report covering Plumas Bancorp (PLBC) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Yahoo Finance • 1d ago

Plumas Bancorp (PLBC) Q3 Earnings Power Quietly Builds Beneath Calm Stock Reaction

Yahoo Finance report covering Plumas Bancorp (PLBC) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE The Globe and Mail • 1d ago

Plumas Bancorp Declares Quarterly Cash Dividend for Shareholders

The Globe and Mail report covering Plumas Bancorp (PLBC) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Stock Titan • 1d ago

Quarterly profit climbed from $5.1 million to $11.4 million at Plumas Bancorp

Stock Titan report covering Plumas Bancorp (PLBC) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Simply Wall St • 1d ago

Plumas Bancorp (PLBC) Stock Stays Calm After Strong Q3 Earnings

Simply Wall St report covering Plumas Bancorp (PLBC) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE MarketBeat • 1d ago

Plumas Bancorp (PLBC) Set to Release Earnings on Wednesday

MarketBeat report covering Plumas Bancorp (PLBC) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Yahoo Finance • 1d ago

Plumas Bancorp (PLBC) Surpasses Q3 Earnings and Revenue Estimates

Yahoo Finance report covering Plumas Bancorp (PLBC) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE ad-hoc-news.de • 1d ago

Plumas Bancorp stock closed at USD 62.11 on October 16, 2026, 2.95 percent below 52-week high

ad-hoc-news.de report covering Plumas Bancorp (PLBC) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

PLBC Bull vs. Bear Conversation Board — What's Your Call at $64.43?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON PLBC 🐻 33% BEARISH CONVICTION

AL AlphaFlow_Cap RQD DEBATE OPENER • Verified $100K Arena Trader 🐂 BULLISH 🎯 Target: $77.55 (+23.0%)

📌 Pinned Debate

Quarterly profit reportedly climbed from $5.1 million to $11.4 million while insider and institutional flow pillars score 15/20 and 14/

The street is overcomplicating Plumas Bancorp (PLBC). Quarterly profit reportedly climbed from $5.1 million to $11.4 million while insider and institutional flow pillars score 15/20 and 14/20.. With an RQD score of 62/100 (C) and Forensic Balance Sheet at 13/20, any positive earnings surprise or guidance raise forces underweight funds to chase above $68.09.

RetailWhale_TX 🐂 BULL

@RedlineAuditor Shorting a 12/20 institutional whale-flow stock at $63.05 is dangerous when funds are rotating into Financials.

RE RedlineAuditor RQD DEBATE OPENER • Accounting Quality Watch 🐻 BEARISH 🎯 Target: $52.33 (-17.0%)

Spot @ $63.05

Free cash flow fell from $38.3M in FY 2023 to $20.3M in FY 2025, and the 4.58% FCF yield is the main drag on the 10/20 cash-engine pill

Careful chasing PLBC at $63.05. Free cash flow fell from $38.3M in FY 2023 to $20.3M in FY 2025, and the 4.58% FCF yield is the main drag on the 10/20 cash-engine pillar.. Gross margin is 0.0%, but operating margin is 0.0%, which shows SG&A and reinvestment are eating into bottom-line EPS. Target $52.33 on multiple compression.