B+
Bull case
25%
Probability
Target price
$75.00
Analysis reference price unavailable
Analysis 2026-10-26 · RankAlpha Sentiment Codex
PLBC
Plumas BancorpBNasdaq / Banks
Last Price
Quote time unavailable
Current thesis
Q3 EPS exceeded the reported $1.46 consensus by $0.15. Management attributed profitability partly to lower-cost relationship deposits and higher loan yields, while the company reported 5.05% Q3 net interest margin versus 4.83% a year earlier.
Posture
Constructive
Lead driver
Sentiment
What changed
Sentiment remains the lead driver in the composite, 7D delta +0.0.
What can break
An October 22 filing says CFO Richard Belstock will continue as Special Assistant to the President effective January 1, 2027; monitor the finance-leadership transition without presuming an operating effect. [#8-K-2026-10-22]
Momentum
73
Value
54
Sentiment
60
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $67.00 · Bull $75.00 · Bear $52.00Analysis 2026-10-26; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-10-28 • Vendor: Data Vendor v1
Scores
As of 2026-10-28 • Model: HYBRID_IC_RP
AI Memo
As of 2026-10-26 • Model: RankAlpha Sentiment Codex
Investment thesisAs of 2026-10-28
Investment thesis
As of 2026-10-28
Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-28. Definitions
Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Target $70.00
Why
Momentum73 · Δ7d +3.5
Value54 · Δ7d +0.4
Sentiment60 · Δ7d +0.0
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.
Confirming evidence
- • Sentiment remains the lead driver in the composite, 7D delta +0.0.
Contradictions & invalidation
- • An October 22 filing says CFO Richard Belstock will continue as Special Assistant to the President effective January 1, 2027; monitor the finance-leadership transition without presuming an operating effect. [#8-K-2026-10-22]
- • Loan balances were relatively stable as lower-yielding indirect auto loans ran off; funding costs and loan repricing may not remain favorable. Company earnings exhibit
- • The year-over-year earnings jump benefited substantially from a $5.2 million lower credit-loss provision and a reduced tax rate linked to green-energy tax credits.
Catalyst clock
2026-11-17
Declared quarterly dividend
Lead driver: Sentiment · See AI snapshot
Momentum
73
8% active weight
Current posture
7d trendImproving
Δ7d
+3.5
Δ21d
+3.5
Value
54
47% active weight
Current posture
7d trendFlat
Δ7d
+0.4
Δ21d
+0.1
Sentiment
60
45% active weight
Current posture
7d trendSoftening
Δ7d
+0.0
Δ21d
+0.0
Why this grade
Composite grade B. Momentum 73.2 / Value 54.0 / Sentiment 59.5
Scenario snapshot
Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-10-26. Scenario method
Most likely
B
Base case
50%
Probability
Target price
$67.00
Analysis reference price unavailable
Analysis 2026-10-26 · RankAlpha Sentiment Codex
B-
Bear case
25%
Probability
Target price
$52.00
Analysis reference price unavailable
Analysis 2026-10-26 · RankAlpha Sentiment Codex
Fundamentals (TTM)As of 2026-10-28
Fundamentals (TTM)
As of 2026-10-28
Market Cap
$440.09M
Beta
0.61
Shares Out
6.96M
P/E (TTM)
10.4
P/S (TTM)
3.39
P/FCF (TTM)
20.39
Rev YoY
+44.0%
EPS YoY
+34.1%
Gross Margin
-
Op Margin
+34.4%
Net Debt
$67.28M
Current Ratio
0.10
As of 2026-10-28 • Updated nightlySource: Internal modelMethods & Data