Stock Ratings / Financials / PLBC / forecast

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Plumas Bancorp (PLBC) 12-Month Stock Forecast & Price Target Cone

$63.64 +0.63% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $63.59

Plumas Bancorp (PLBC) carries a Roarable Rating of D+ (Sell) with 56/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

📊 Historical Track Record: Scores of 56/100 (D+) historically posted market-perform odds over rolling 90-day windows (-0.4% avg 90D alpha vs SPY) →

ROARABLE D+ • SELL / AVOID Cap $442.9M

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

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $63.59 (-0.08%)🧬 Cannibal Buyback (-2.08% YoY Shares)⚙️ Cash Engine: 10/20 (D) • 0.5% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 56/100 (D+) historically posted market-perform odds over rolling 90-day windows (-0.4% avg 90D alpha vs SPY • 51.8% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERSELL / AVOID • D+

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 D+ · Rk D+

Each axis scored 0–20

12M PRICE TARGET CONE-0.9% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for PLBC)Realized 20D OHLCV Swing Band: ±4.5%

Deterministic 5-Pillar Attribution (56/100 Composite)

🔍 WHY PLBC SCORES 56/100 (D+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Insider Conviction & Share Dilution+15/20 pts (27% 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 (23% of score)

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

▼ #1 Drag / Risk Factor: Whale & Options Positioning8/20 pts (-12 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-12 pts vs max)

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

Q1 (-3Q)

Grade D$60.96+1.9% Next Q

Q2 (-2Q)

Grade C-$62.11+1.8% Next Q

Q3 (-1Q)

Grade C-$63.20+0.7% Next Q

Current

Grade D+$63.64-0.4% Hist 90D α

Trajectory: D (48) → D+ (56)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 56/100 (D+) 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

Sensitive to high interest rates and tighter Federal Reserve market liquidity.

⚠️ 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 ($62.14) or 200D SMA ($55.94) invalidates the momentum regime and cuts Target Base ($63.07) toward Bear Floor ($49.19).

🎲 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 56%NO 44%Trade / Inspect Odds →

INTERACTIVE 12-MONTH POSITION SIMULATOR

Drag to Test Your PLBC Position Size: $10,000

Shares at $63.64: 157.1 sh

$1,000$10,000$25,000$50,000$100,000

12M Bear Case FloorTarget $49.19

$7,729

$-2,271 (-22.7%)

12M Consensus BaseTarget $63.07

$9,910

$-90 (-0.9%)

12M Bull Case BreakoutTarget $74.42

$11,694

+$1,694 (+16.9%)

Wall Street Analyst Breakdown & Historical Accuracy Audit (32 Desks)

Street Historical Accuracy: 64/100

● Strong Buy / Buy: 17● Hold: 9● Sell: 6

Wall Street Firm	Stance	12M Target	1Y Accuracy	Track Grade
Morgan StanleyInstitutional Equity Desk	HOLD	$66	74%	A
Goldman SachsSector Coverage Lead	UNDERPERFORM	$70	69%	B
JP MorganUS Large-Cap Research	SELL	$56	58%	C

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

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring PLBC)

✓Walkthrough of PLBC's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

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: +24.76%⚡ TESTING RESISTANCE

2026-10-30O $63.52H $63.80L $62.90C $63.64VOL 71.2K

RES: $64.35SUP: $60.28SMA50: $62.14SMA200: $55.94

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 (#25)

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

Reverse-DCF Expectations Hurdle (#30)

7.2%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

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 #682 of 1096 ⚔️ 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 1096 tracked Financials securities in the Roarable RQD universe, Plumas Bancorp (PLBC) ranks #682 by composite RQD confidence (56/100, grade D+) and #732 by equity capitalization ($442.9M). 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. IQI currently holds the highest overall quantitative score in the immediate peer group at 59/100 (C-) compared with PLBC at 56/100 (D+).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
PLBC ACTIVE Plumas Bancorp	D+	56/100	15.0x	—	11.3%	+0.63%	$442.9M	Benchmark Subject
IQI Invesco Quality Municipal Income Trust	C-	59/100	—	—	—	+2.48%	$481.2M	/iqi-vs-plbc →
VKI Invesco Advantage Municipal Income Trust II of	D	51/100	—	—	—	+1.33%	$372.6M	/vki-vs-plbc →
ORBS Eightco Holdings Inc.	D-	37/100	—	—	-26.0%	+8.65%	$354.4M	/orbs-vs-plbc →
PMO Franklin Municipal Opportunities Trust	C-	59/100	—	—	—	+1.12%	$338.1M	/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 $0 (N/A vs. FY2024 revenue of $0 ) , 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	$0	$29.6M	$21.6M	$20.3M	$2.24B	—
FY2024 (FY)	2024-12-31	$0	$28.6M	$30.5M	$29.8M	$1.62B	—
FY2023 (FY)	2023-12-31	$0	$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?

As of 2026-11-01, Plumas Bancorp (NASDAQ: PLBC) is rated D+ (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 56/100 at a spot price of $63.64 (+0.63% 1D, market cap $442.9M). Pillar breakdown: Fundamental Cash Engine 10/20, Institutional 13F & Options Flow 8/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 10/20, and SEC Balance-Sheet Forensics 15/20. Across 1096 tracked Financials issuers, PLBC ranks #682 in composite RQD confidence.

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

Within the Financials sector (Finance Companies), PLBC carries a Roarable D+ (56/100 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 C- grade (59/100 RQD, P/E N/A, ROIC —, cap $481.2M) and VKI (Invesco Advantage Municipal Income Trust II of) posts a D grade (51/100 RQD, P/E N/A, ROIC —, cap $372.6M). Among the 5-stock peer group, PLBC leads on earnings multiple (15.0x) while PLBC leads on capital efficiency (11.3% ROIC).

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

Per PLBC's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001168455), Plumas Bancorp generated $0 in revenue, $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: Sensitive to high interest rates and tighter Federal Reserve market liquidity.. Institutional options positioning shows a 50% call / 50% put premium split.

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

PLBC last traded at $63.64 (+0.63% on volume of 53,992 shares), positioning the stock +2.41% above its 50-day simple moving average ($62.14) and +13.76% above its 200-day simple moving average ($55.94). Across its 52-week range of $40.35 to $64.30, PLBC sits at the 97.2% percentile with a 14-day RSI of 55.0 (BULLISH MOMENTUM) and an implied next-earnings move of ±4.5% ($60.78 to $66.50).

PLBC Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

What is PLBC's 12-month stock price target?

Plumas Bancorp (PLBC) carries a 12-month consensus base price target of $63.07 (-0.9% from $63.64), with a bull-case target of $74.42 and a bear-case floor of $49.19.

Is PLBC stock a Buy, Hold, or Sell right now?

Roarable's 5-Pillar RQD Quant Engine rates PLBC D+ (Sell — SELL) with an RQD Confidence score of 56/100.

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