What Is Plumas Bancorp (PLBC) Worth in 2026?
According to the CirclFi Deep Alpha Valuation Engine, Plumas Bancorp's intrinsic value is estimated at a composite fair value of $86.28. While the stock appears modestly undervalued at $58.41 (implied upside of +47.7%), our analysis suggests a thinner margin of safety across 7 of 12 bullish models. Notably, ML-RIV sees the most upside at +206.1% (fair value: $178.78), while EROIC is the most conservative at -48.9% ($29.86). The spread between these extremes — +255.0% — reveals how different analytical frameworks can reach starkly different conclusions.
What Do the Models Say About PLBC?
12 of 13 models are currently active for PLBC. Of these, 7 models suggest upside while 5 models suggest overvaluation. The Bayesian DCF estimates PLBC's intrinsic value at $129.85, implying +122.3% upside from the current price. See which stocks rank higher →
How Does PLBC Rank in Short-Term Business Credit Institutions?
Among 5 Short-Term Business Credit Institutions stocks, PLBC ranks #1 by Quality of Company score. CirclFi's QOC score of 8.8/10 evaluates 32 fundamental signals. A score of 8.8 places PLBC in the top tier.
Within the Short-Term Business Credit Institutions space, Plumas Bancorp competes in an environment where deposit growth often separates market leaders from laggards. Understanding these industry-specific dynamics is essential context for interpreting our model outputs.
Is PLBC a Value Trap?
The Value Trap algorithm is not active for PLBC. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →
Multi-Model Methodology
12 of 13 models are active for Plumas Bancorp. Broad coverage provides high confidence. Each model applies a fundamentally different valuation philosophy. See the complete methodology →
According to the CirclFi Quality of Company (QOC) framework, which evaluates 32 signals including margin stability, revenue growth trajectory, leverage, and free cash flow generation, Plumas Bancorp is rated at 8.8/10. This strong-tier score demonstrates strong fundamentals across the majority of our quality signals.
The gap between the most bullish and bearish model spans +255.0% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →
Data Sources & Confidence
Every PLBC valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →
Across PLBC's 12 active models, average confidence is 43%. Lower confidence may reflect limited history or high volatility.
CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →
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