
Plumas Bancorp (PLBC) Stock Forecast & Price Target
Plumas Bancorp (PLBC) Analyst Ratings
Bulls say
Plumas Bancorp exhibits a strong financial outlook, bolstered by zero net charge-offs (NCOs) and a modest increase in allowance for credit losses (ACL), indicating prudent risk management and financial stability. The anticipated rise in net interest expense (NIE) to $13.8 million in the third quarter, along with a significant 22% quarter-over-quarter increase in fee income, further demonstrates the bank's effective revenue generation strategies. Additionally, projected loan growth of 2% in the second half of 2025, alongside positive contributions from recent acquisitions, underscores the bank's capacity for organic growth and potential for expansion in the competitive banking landscape.
Bears say
Plumas Bancorp is experiencing a decline in core net interest earnings (NIE), which fell 3.4% quarter-over-quarter, attributed to seasonally lower comparisons and increased deposit costs. The bank's net interest margin (NIM) has also decreased by 12 basis points to 4.83%, driven by higher deposit rates and a reduction in loan yields. Additionally, the non-performing loan (NPL) coverage ratio has declined significantly to 104% from 361%, indicating potential challenges in asset quality, which, along with a 9% decrease in organic deposits, raises concerns regarding the bank's financial stability going forward.
This aggregate rating is based on analysts' research of Plumas Bancorp and is not a guaranteed prediction by Public.com or investment advice.
Plumas Bancorp (PLBC) Analyst Forecast & Price Prediction
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