Plumas Bancorp (PLBC)
Market Price (4/14/2026): $50.85 | Market Cap: $354.0 MilSector: Financials | Industry: Regional Banks
Plumas Bancorp (PLBC)
Market Price (4/14/2026): $50.85Market Cap: $354.0 MilSector: FinancialsIndustry: Regional Banks
Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.
Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 11%, Dividend Yield is 2.2%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 6.4%, FCF Yield is 5.7% Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -118% Strong revenue growthRev Chg LTMRevenue Change % Last Twelve Months (LTM) is 49% Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 23%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 22% Low stock price volatilityVol 12M is 29% Megatrend and thematic driversMegatrends include Regional & Community Banking. Themes include Local Economic Support & Lending, Community-Focused Financial Services, and Digital Adaptation for Local Markets. | Trading close to highsDist 52W High is -4.7%, Dist 3Y High is -4.7% Weak multi-year price returns3Y Excs Rtn is -1.5% | Key risksPLBC key risks include [1] a loan portfolio concentrated in real estate-secured loans within its specific geographic operating areas, Show more. |
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 11%, Dividend Yield is 2.2%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 6.4%, FCF Yield is 5.7% |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -118% |
| Strong revenue growthRev Chg LTMRevenue Change % Last Twelve Months (LTM) is 49% |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 23%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 22% |
| Low stock price volatilityVol 12M is 29% |
| Megatrend and thematic driversMegatrends include Regional & Community Banking. Themes include Local Economic Support & Lending, Community-Focused Financial Services, and Digital Adaptation for Local Markets. |
| Trading close to highsDist 52W High is -4.7%, Dist 3Y High is -4.7% |
| Weak multi-year price returns3Y Excs Rtn is -1.5% |
| Key risksPLBC key risks include [1] a loan portfolio concentrated in real estate-secured loans within its specific geographic operating areas, Show more. |
Qualitative Assessment
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Plumas Bancorp (PLBC) stock has gained about 15% since 12/31/2025 because of the following key factors:
1. Plumas Bancorp reported a strong beat on its Fourth Quarter 2025 earnings, exceeding analyst expectations. The company announced diluted earnings per share (EPS) of $1.56, surpassing the consensus estimate of $1.37 by $0.19, representing a 13.87% surprise. Net income for the quarter increased to $10.9 million, up from $7.7 million in the fourth quarter of 2024, driven by a $6.9 million increase in net interest income.
2. The company demonstrated robust financial performance, highlighted by strong profitability metrics and an improved net interest margin. Plumas Bancorp maintained a healthy annualized return on average assets of 1.93% and saw its annualized return on average equity increase to 17.2% for Q4 2025. The net interest margin for the fourth quarter of 2025 was 5.0%, an increase from 4.90% in the same period of 2024.
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1. Plumas Bancorp reported a strong beat on its Fourth Quarter 2025 earnings, exceeding analyst expectations. The company announced diluted earnings per share (EPS) of $1.56, surpassing the consensus estimate of $1.37 by $0.19, representing a 13.87% surprise. Net income for the quarter increased to $10.9 million, up from $7.7 million in the fourth quarter of 2024, driven by a $6.9 million increase in net interest income.
2. The company demonstrated robust financial performance, highlighted by strong profitability metrics and an improved net interest margin. Plumas Bancorp maintained a healthy annualized return on average assets of 1.93% and saw its annualized return on average equity increase to 17.2% for Q4 2025. The net interest margin for the fourth quarter of 2025 was 5.0%, an increase from 4.90% in the same period of 2024.
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Stock Movement Drivers
Fundamental Drivers
The 14.6% change in PLBC stock from 12/31/2025 to 4/13/2026 was primarily driven by a 10.0% change in the company's Net Income Margin (%).| (LTM values as of) | 12312025 | 4132026 | Change |
|---|---|---|---|
| Stock Price ($) | 44.41 | 50.91 | 14.6% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 91 | 92 | 2.0% |
| Net Income Margin (%) | 29.1% | 32.0% | 10.0% |
| P/E Multiple | 11.7 | 12.0 | 2.4% |
| Shares Outstanding (Mil) | 7 | 7 | -0.2% |
| Cumulative Contribution | 14.6% |
Market Drivers
12/31/2025 to 4/13/2026| Return | Correlation | |
|---|---|---|
| PLBC | 14.6% | |
| Market (SPY) | -5.4% | 40.7% |
| Sector (XLF) | -5.7% | 45.4% |
Fundamental Drivers
The 19.6% change in PLBC stock from 9/30/2025 to 4/13/2026 was primarily driven by a 37.9% change in the company's P/E Multiple.| (LTM values as of) | 9302025 | 4132026 | Change |
|---|---|---|---|
| Stock Price ($) | 42.55 | 50.91 | 19.6% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 84 | 92 | 9.7% |
| Net Income Margin (%) | 34.5% | 32.0% | -7.1% |
| P/E Multiple | 8.7 | 12.0 | 37.9% |
| Shares Outstanding (Mil) | 6 | 7 | -14.8% |
| Cumulative Contribution | 19.6% |
Market Drivers
9/30/2025 to 4/13/2026| Return | Correlation | |
|---|---|---|
| PLBC | 19.6% | |
| Market (SPY) | -2.9% | 31.5% |
| Sector (XLF) | -3.8% | 47.4% |
Fundamental Drivers
The 21.0% change in PLBC stock from 3/31/2025 to 4/13/2026 was primarily driven by a 48.5% change in the company's Total Revenues ($ Mil).| (LTM values as of) | 3312025 | 4132026 | Change |
|---|---|---|---|
| Stock Price ($) | 42.08 | 50.91 | 21.0% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 62 | 92 | 48.5% |
| Net Income Margin (%) | 46.0% | 32.0% | -30.3% |
| P/E Multiple | 8.7 | 12.0 | 37.9% |
| Shares Outstanding (Mil) | 6 | 7 | -15.2% |
| Cumulative Contribution | 21.0% |
Market Drivers
3/31/2025 to 4/13/2026| Return | Correlation | |
|---|---|---|
| PLBC | 21.0% | |
| Market (SPY) | 16.3% | 31.8% |
| Sector (XLF) | 4.8% | 40.1% |
Fundamental Drivers
The 62.3% change in PLBC stock from 3/31/2023 to 4/13/2026 was primarily driven by a 72.5% change in the company's P/E Multiple.| (LTM values as of) | 3312023 | 4132026 | Change |
|---|---|---|---|
| Stock Price ($) | 31.36 | 50.91 | 62.3% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 69 | 92 | 33.4% |
| Net Income Margin (%) | 38.2% | 32.0% | -16.0% |
| P/E Multiple | 6.9 | 12.0 | 72.5% |
| Shares Outstanding (Mil) | 6 | 7 | -16.0% |
| Cumulative Contribution | 62.3% |
Market Drivers
3/31/2023 to 4/13/2026| Return | Correlation | |
|---|---|---|
| PLBC | 62.3% | |
| Market (SPY) | 63.3% | 30.1% |
| Sector (XLF) | 67.8% | 39.6% |
Price Returns Compared
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| PLBC Return | 47% | 12% | 15% | 17% | -3% | 15% | 147% |
| Peers Return | 19% | -23% | 22% | 11% | 28% | 1% | 61% |
| S&P 500 Return | 27% | -19% | 24% | 23% | 16% | -0% | 81% |
Monthly Win Rates [3] | |||||||
| PLBC Win Rate | 58% | 50% | 58% | 42% | 50% | 75% | |
| Peers Win Rate | 44% | 48% | 58% | 52% | 62% | 57% | |
| S&P 500 Win Rate | 75% | 42% | 67% | 75% | 67% | 50% | |
Max Drawdowns [4] | |||||||
| PLBC Max Drawdown | -2% | -19% | -12% | -20% | -15% | -2% | |
| Peers Max Drawdown | -6% | -30% | -26% | -14% | -12% | -13% | |
| S&P 500 Max Drawdown | -1% | -25% | -1% | -2% | -15% | -7% | |
[1] Cumulative total returns since the beginning of 2021
[2] Peers: NEWT, ATLO, AGBK, NU, MTB.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 4/13/2026 (YTD)
How Low Can It Go
| Event | PLBC | S&P 500 |
|---|---|---|
| 2022 Inflation Shock | ||
| % Loss | -33.7% | -25.4% |
| % Gain to Breakeven | 50.9% | 34.1% |
| Time to Breakeven | 212 days | 464 days |
| 2020 Covid Pandemic | ||
| % Loss | -47.3% | -33.9% |
| % Gain to Breakeven | 89.6% | 51.3% |
| Time to Breakeven | 347 days | 148 days |
| 2018 Correction | ||
| % Loss | -31.9% | -19.8% |
| % Gain to Breakeven | 46.9% | 24.7% |
| Time to Breakeven | 522 days | 120 days |
| 2008 Global Financial Crisis | ||
| % Loss | -83.1% | -56.8% |
| % Gain to Breakeven | 490.3% | 131.3% |
| Time to Breakeven | 2,546 days | 1,480 days |
Compare to NEWT, ATLO, AGBK, NU, MTB
In The Past
Plumas Bancorp's stock fell -33.7% during the 2022 Inflation Shock from a high on 2/16/2022. A -33.7% loss requires a 50.9% gain to breakeven.
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About Plumas Bancorp (PLBC)
Plumas Bancorp operates as the bank holding company for the Plumas Bank that provides various banking products and services for small and middle market businesses, and individuals in Northeastern California and Northwestern Nevada. The company accepts various deposits, such as checking, money market checking, business sweep, public funds sweep, savings, time deposit, and retirement accounts. Its loan portfolio includes term real estate, commercial, and industrial term loans; government-guaranteed and agricultural loans, as well as credit lines; consumer, automobile, and home equity loans; land development and construction loans; and small business administration loans. The company also provides remote deposit, telephone and mobile banking, internet banking with bill-pay options, cashier's check, bank-by-mail, automated teller machine, night depository, safe deposit box, direct deposit, electronic funds transfer, and other customary banking services. As of February 28, 2022, it operated 14 full-service branches and 3 lending offices. Plumas Bancorp was incorporated in 1980 and is headquartered in Reno, Nevada.
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Here are 1-3 brief analogies for Plumas Bancorp (PLBC):
- Like a local version of Wells Fargo, serving communities and businesses in Northeastern California and Northwestern Nevada.
- Similar to a smaller U.S. Bank, focused on the unique needs of individuals and local businesses in its specific regional markets.
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```html- Deposit Accounts: Plumas Bancorp accepts various deposits, including checking, money market, business sweep, public funds sweep, savings, time deposit, and retirement accounts for individuals and businesses.
- Loan Products: The company offers a diverse loan portfolio encompassing term real estate, commercial, industrial, government-guaranteed, agricultural, consumer, automobile, home equity, land development, construction, and Small Business Administration (SBA) loans, alongside credit lines.
- Digital and Ancillary Banking Services: Plumas Bancorp provides a range of banking conveniences such as remote deposit, telephone and mobile banking, internet banking with bill-pay, cashier's checks, ATMs, night depositories, safe deposit boxes, and electronic funds transfers.
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Plumas Bancorp (PLBC) serves a diverse customer base, primarily providing banking products and services to both businesses and individuals. Based on the company description, its major customers can be categorized as follows:
- Small and Middle Market Businesses: Plumas Bancorp provides a range of services to these entities, including commercial and industrial term loans, government-guaranteed loans, agricultural loans, credit lines, and business sweep accounts.
- Individuals: The company serves individuals with various products such as consumer, automobile, and home equity loans, as well as checking, money market checking, savings, time deposit, and retirement accounts.
- Public Funds Entities: Plumas Bancorp also manages public funds sweep accounts, indicating that it serves governmental or municipal bodies to some extent.
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- Fiserv, Inc. (FI)
- Visa Inc. (V)
- Mastercard Incorporated (MA)
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Andrew J. Ryback, Director, President, and Chief Executive Officer
Andrew J. Ryback has been the President and Chief Executive Officer of Plumas Bancorp and Plumas Bank since 2011. He previously served as interim President and Chief Executive Officer from March 2010 to November 2011, and prior to that, as Executive Vice President and Chief Financial Officer from 2005 to 2011. Mr. Ryback joined Plumas Bank in July 2001. He is a Certified Public Accountant and a graduate of Pacific Coast Banking School. Prior to joining Plumas Bank, he served as Vice President, Controller for Placer Sierra Bank.
Richard L. Belstock, Executive Vice President and Chief Financial Officer
Richard L. Belstock has been the Executive Vice President and Chief Financial Officer of Plumas Bank and Plumas Bancorp as of July 18, 2012. He joined the bank in 2006 as Vice President and Controller. Mr. Belstock has over 30 years of experience in financial accounting and regulatory reporting, including 10 years as controller and chief accounting officer for Sierra West Bancorp. He is a licensed Certified Public Accountant since 1980. Mr. Belstock and his team have a history of managing and selling SBA loans.
Daniel E. West, Chairman of the Board
Daniel E. West has served as Chairman of the Board of Plumas Bancorp and as a director since 1997. He is president of Graeagle Land & Water Company, a land management company, and Graeagle Water Company, a private water utility. Additionally, he is a managing member of Graeagle Timber Company, LLC. Mr. West holds a Bachelor of Science degree in Business Administration from the University of the Pacific.
B. J. North, Executive Vice President & Chief Banking Officer of Plumas Bank
B. J. North joined Plumas Bank in 2008, where she is responsible for overseeing the bank's retail network, commercial loan group, and marketing. Before her role at Plumas Bank, Ms. North served as the Chief Advancement Officer for Truckee Meadows Community College (TMCC) and was an adjunct professor. She earned her Bachelor of Science degree in Education and a Master's degree in Educational Leadership from the University of Nevada, Reno.
Kevin C. Kaiser, Executive Vice President / Chief Credit Officer
Kevin C. Kaiser assumed the position of Executive Vice President and Chief Credit Officer for Plumas Bank effective January 1, 2026. He joined Plumas Bank on May 1, 2014, and previously held the role of Senior Vice President and Credit Administrator since 2019. Mr. Kaiser brings nearly 40 years of experience in commercial and agricultural lending to his role. He holds a bachelor's degree in Agricultural and Business Management from California State University, Chico, and is a graduate of Pacific Coast Banking School.
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The key risks to Plumas Bancorp (PLBC) are:1. High Concentration in Real Estate Loans
Plumas Bancorp faces significant risk due to its high concentration in real estate-secured loans, particularly commercial real estate (CRE) loans. As of December 31, 2023, approximately 77% of the company's total loan portfolio was secured by real estate, with the majority being commercial real estate. By September 30, 2025, this concentration further increased, with real estate loans comprising an alarming 80% of the total loan portfolio, and commercial real estate loans alone accounting for 65.5%. This structural characteristic makes the bank's balance sheet highly vulnerable to downturns in the regional real estate market, as adverse changes in real estate values and liquidity could increase credit risk and lead to significant losses. Banking regulators also expect institutions with high CRE loan concentrations to maintain robust underwriting, risk management, and capital levels.2. Interest Rate Sensitivity
The company's profitability is highly sensitive to changes in interest rates. Plumas Bancorp's earnings largely depend on net interest income, which is the difference between interest earned on its assets (primarily loans and investment securities) and interest incurred on its liabilities (mainly deposits and borrowed funds). Despite efforts to manage interest rate fluctuations, earnings could be significantly impacted. A substantial portion of the bank's commercial real estate loan portfolio reprices only every five years, which exposes the company to significant interest rate risk in a volatile rate environment. Furthermore, rising interest rates can reduce the market value of fixed-rate investment securities, and an increase in deposit costs has already led to a decline in net interest margin (NIM), with further reductions projected.3. Deterioration in Credit Quality and Non-Performing Loans
Plumas Bancorp has recently experienced a deterioration in its credit quality, evidenced by a significant increase in non-performing loans (NPLs) and provisions for credit losses (PCL). In the second quarter of 2025, NPLs saw a notable jump, largely attributed to a single agricultural loan relationship, which pushed non-performing loans as a percentage of total loans to 1.34% from 0.90% a year prior. The provision for credit losses surged to $6.5 million for the nine months ending September 30, 2025, a substantial increase from $1.3 million in the same period of 2024, reflecting both loan portfolio growth and specific provisions for acquired and non-performing loans. Additionally, a significant decline in NPL coverage, from 361% to 104%, raises concerns about the adequacy of the allowance for credit losses and signals potential vulnerability in the bank's credit quality.AI Analysis | Feedback
- The rise of digital-first banks and neobanks, which operate with significantly lower overhead due to their lack of physical branches, offering competitive rates and highly streamlined digital experiences that can attract Plumas Bancorp's individual and small business customers for deposits and various loan products.
- Specialized fintech lenders offering rapid, technology-driven solutions for specific lending needs, such as "Buy Now Pay Later" (BNPL) services for consumer financing or online platforms for small business loans, which can divert portions of Plumas Bancorp's loan portfolio by providing faster and often more convenient alternatives.
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Plumas Bancorp (PLBC) is expected to drive future revenue growth over the next two to three years through several key strategies and market dynamics:
- Continued Loan Growth, particularly in Commercial Real Estate and SBA Loans: Plumas Bancorp anticipates improved loan demand, especially with projected Federal Reserve rate cuts. The company saw gross loans increase by 6% to $1 billion in 2024, primarily driven by growth in commercial real estate and commercial loans. Furthermore, Plumas Bank is actively expanding its Small Business Administration (SBA) loan program by increasing staff capacity and extending its lending footprint into new regions like Utah and central California. This focus on SBA loans and commercial real estate has already contributed to a significant surge in total gross loans, which reached approximately $1.5 billion as of September 30, 2025, a nearly 47% increase year-over-year, reflecting the successful integration of acquired loan portfolios.
- Strategic Expansion of Branch Network and Market Presence through Acquisitions: Plumas Bancorp has been actively expanding its physical footprint. The acquisition of Cornerstone Community Bancorp in July 2025 added four new branches in California (Anderson, Red Bluff, and Redding), increasing the total number of full-service branches to 19 as of the third quarter of 2025. This expansion has directly contributed to a jump in total assets to $2.2 billion as of September 30, 2025. The company also utilizes Loan Production Offices (LPOs) in locations like Placer County, California, and Klamath Falls, Oregon, to extend its lending platform into adjacent markets without the overhead of full branch build-outs.
- Net Interest Margin (NIM) Expansion and Optimized Funding Costs: The company's strategic initiatives include focusing on low-cost funds and higher-yielding loans to achieve margin expansion. For the year ended December 31, 2025, Plumas Bancorp reported an increase in its net interest margin by 12 basis points to 4.91% from 4.79% in 2024. This improvement was partly driven by investment restructuring related to sale-leasebacks, maintaining a low cost of funds, and the payoff of brokered deposits and borrowings resulting from the Cornerstone acquisition. Analyst commentary also suggests that a recent office sale-leaseback transaction is expected to further enhance net interest margin.
- Deposit Stabilization and Growth: Plumas Bancorp anticipates stabilization and improvement in deposit levels, partly influenced by expected Federal Reserve rate cuts. The company successfully grew deposits by $37 million, or 3%, to $1.4 billion in 2024. The acquisition of Cornerstone Community Bancorp in 2025 also bolstered the company's deposit base.
- Enhanced Treasury Management Services and Digital Offerings: The bank is proactively enhancing its lending systems and formalizing its treasury management services, including the implementation of FedNow Receive, which contributes to margin expansion. Additionally, Plumas Bank offers comprehensive digital banking services, including online, mobile, and remote options available 24/7, which is crucial for customer acquisition and retention in the modern banking landscape.
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Share Repurchases
- Plumas Bancorp's Board of Directors authorized a stock repurchase program allowing the company to buy back up to $25 million of its common shares through the fourth quarter of 2026.
- The company plans to fund these repurchases using available cash and retained earnings.
Share Issuance
- As part of the acquisition of Cornerstone Community Bancorp, Plumas Bancorp issued 1 million new shares to Cornerstone's shareholders in July 2025.
- The acquisition involved the issuance of common stock and stock options totaling $45.2 million.
- In March 2026, a new Restricted Stock Unit (RSU) award agreement was adopted under the company's 2022 Equity Incentive Plan for grants to directors, executives, and employees, with vesting contingent on continued service.
Outbound Investments
- Plumas Bancorp completed the acquisition of Cornerstone Community Bancorp for approximately $61.3 million, effective July 1, 2025.
- This acquisition boosted Plumas Bancorp's loan portfolio by nearly 50% and deposits by 39%, also adding four new branches in Northern California.
- The acquisition incurred significant one-time merger-related expenses of approximately $8.2 million.
Capital Expenditures
- In November 2025, Plumas Bank completed a sale-leaseback transaction of two administrative offices, which generated a $5.5 million pre-tax gain.
- This transaction was intended to enhance the company's net interest margin and offset security losses from an investment portfolio restructure.
Latest Trefis Analyses
| Title | Date | |
|---|---|---|
| DASHBOARDS | ||
| How Low Can Plumas Bancorp Stock Really Go? | 10/17/2025 |
| Title | |
|---|---|
| ARTICLES |
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Research & Analysis
Invest in Strategies
Wealth Management
Peer Comparisons
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 21.95 |
| Mkt Cap | 0.4 |
| Rev LTM | 267 |
| Op Inc LTM | - |
| FCF LTM | 21 |
| FCF 3Y Avg | 29 |
| CFO LTM | 22 |
| CFO 3Y Avg | 30 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 21.9% |
| Rev Chg 3Y Avg | 13.9% |
| Rev Chg Q | 8.7% |
| QoQ Delta Rev Chg LTM | 2.0% |
| Op Mgn LTM | - |
| Op Mgn 3Y Avg | - |
| QoQ Delta Op Mgn LTM | - |
| CFO/Rev LTM | 31.2% |
| CFO/Rev 3Y Avg | 31.2% |
| FCF/Rev LTM | 29.7% |
| FCF/Rev 3Y Avg | 27.7% |
Valuation
| Median | |
|---|---|
| Name | |
| Mkt Cap | 0.4 |
| P/S | 3.8 |
| P/EBIT | - |
| P/E | 12.0 |
| P/CFO | 12.0 |
| Total Yield | 10.5% |
| Dividend Yield | 2.2% |
| FCF Yield 3Y Avg | 10.7% |
| D/E | 0.1 |
| Net D/E | -0.8 |
Returns
| Median | |
|---|---|
| Name | |
| 1M Rtn | 6.3% |
| 3M Rtn | -2.9% |
| 6M Rtn | 19.4% |
| 12M Rtn | 36.8% |
| 3Y Rtn | 58.4% |
| 1M Excs Rtn | 3.1% |
| 3M Excs Rtn | 0.3% |
| 6M Excs Rtn | 14.6% |
| 12M Excs Rtn | 4.5% |
| 3Y Excs Rtn | -2.8% |
Price Behavior
Price Behavior
| Market Price | $50.91 | |
| Market Cap ($ Bil) | 0.4 | |
| First Trading Date | 12/11/2002 | |
| Distance from 52W High | -4.7% | |
| 50 Days | 200 Days | |
| DMA Price | $50.53 | $44.91 |
| DMA Trend | up | up |
| Distance from DMA | 0.8% | 13.4% |
| 3M | 1YR | |
| Volatility | 29.7% | 28.1% |
| Downside Capture | 0.22 | 0.31 |
| Upside Capture | 166.04 | 76.32 |
| Correlation (SPY) | 40.9% | 36.9% |
PLBC Betas & Captures as of 3/31/2026
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | 0.60 | 0.60 | 0.96 | 0.62 | 0.49 | 0.64 |
| Up Beta | 0.72 | 0.70 | 2.21 | 1.28 | 0.39 | 0.58 |
| Down Beta | 0.28 | 0.13 | 0.41 | 0.33 | 0.43 | 0.62 |
| Up Capture | 82% | 90% | 145% | 80% | 58% | 42% |
| Bmk +ve Days | 7 | 16 | 27 | 65 | 139 | 424 |
| Stock +ve Days | 11 | 22 | 34 | 67 | 137 | 394 |
| Down Capture | 65% | 64% | 61% | 46% | 71% | 86% |
| Bmk -ve Days | 12 | 23 | 33 | 58 | 110 | 323 |
| Stock -ve Days | 10 | 19 | 28 | 58 | 114 | 347 |
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with PLBC | |
|---|---|---|---|---|
| PLBC | 23.6% | 28.6% | 0.73 | - |
| Sector ETF (XLF) | 10.5% | 15.6% | 0.45 | 49.5% |
| Equity (SPY) | 18.7% | 13.7% | 1.06 | 41.0% |
| Gold (GLD) | 53.7% | 27.6% | 1.55 | -1.0% |
| Commodities (DBC) | 25.2% | 16.2% | 1.37 | -6.3% |
| Real Estate (VNQ) | 14.8% | 14.0% | 0.76 | 41.0% |
| Bitcoin (BTCUSD) | -11.7% | 43.0% | -0.17 | 15.9% |
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Based On 5-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with PLBC | |
|---|---|---|---|---|
| PLBC | 14.0% | 33.1% | 0.46 | - |
| Sector ETF (XLF) | 10.1% | 18.7% | 0.42 | 31.5% |
| Equity (SPY) | 11.1% | 17.0% | 0.50 | 24.8% |
| Gold (GLD) | 21.8% | 17.8% | 1.01 | -3.3% |
| Commodities (DBC) | 11.7% | 18.8% | 0.51 | 4.0% |
| Real Estate (VNQ) | 3.7% | 18.8% | 0.10 | 23.7% |
| Bitcoin (BTCUSD) | 4.6% | 56.6% | 0.30 | 8.3% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 10-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with PLBC | |
|---|---|---|---|---|
| PLBC | 21.5% | 34.0% | 0.66 | - |
| Sector ETF (XLF) | 13.0% | 22.2% | 0.54 | 32.6% |
| Equity (SPY) | 13.9% | 17.9% | 0.67 | 25.3% |
| Gold (GLD) | 14.2% | 15.9% | 0.74 | -2.3% |
| Commodities (DBC) | 8.8% | 17.6% | 0.42 | 11.7% |
| Real Estate (VNQ) | 5.2% | 20.7% | 0.22 | 24.1% |
| Bitcoin (BTCUSD) | 67.5% | 66.9% | 1.07 | 7.2% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Returns Analyses
Earnings Returns History
Expand for More| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 1/21/2026 | 11.4% | 11.6% | 18.0% |
| 10/15/2025 | 0.1% | -3.1% | -0.0% |
| 7/16/2025 | -2.9% | -3.1% | -3.8% |
| 4/16/2025 | -1.7% | 1.7% | 16.4% |
| 1/15/2025 | 4.2% | 2.9% | 1.4% |
| 10/16/2024 | 4.2% | 6.7% | 16.0% |
| 7/17/2024 | 0.7% | 2.9% | -7.6% |
| 4/17/2024 | 0.9% | 0.6% | 1.3% |
| ... | |||
| SUMMARY STATS | |||
| # Positive | 17 | 15 | 14 |
| # Negative | 7 | 9 | 10 |
| Median Positive | 2.2% | 2.9% | 9.8% |
| Median Negative | -1.1% | -1.7% | -4.4% |
| Max Positive | 11.4% | 13.0% | 18.1% |
| Max Negative | -2.9% | -3.1% | -13.0% |
SEC Filings
Expand for More| Report Date | Filing Date | Filing |
|---|---|---|
| 12/31/2025 | 03/19/2026 | 10-K |
| 09/30/2025 | 11/05/2025 | 10-Q |
| 06/30/2025 | 08/06/2025 | 10-Q |
| 03/31/2025 | 05/07/2025 | 10-Q |
| 12/31/2024 | 03/19/2025 | 10-K |
| 09/30/2024 | 11/06/2024 | 10-Q |
| 06/30/2024 | 08/07/2024 | 10-Q |
| 03/31/2024 | 05/07/2024 | 10-Q |
| 12/31/2023 | 03/20/2024 | 10-K |
| 09/30/2023 | 11/08/2023 | 10-Q |
| 06/30/2023 | 08/09/2023 | 10-Q |
| 03/31/2023 | 05/03/2023 | 10-Q |
| 12/31/2022 | 03/16/2023 | 10-K |
| 09/30/2022 | 11/09/2022 | 10-Q |
| 06/30/2022 | 08/04/2022 | 10-Q |
| 03/31/2022 | 05/05/2022 | 10-Q |
Insider Activity
Expand for More| # | Owner | Title | Holding | Action | Filing Date | Price | Shares | Transacted Value | Value of Held Shares | Form |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Boigon, Aaron M | EVP, Chief Information Officer | Direct | Sell | 8212025 | 41.09 | 1,500 | 61,635 | 168,469 | Form |
| 2 | Foster, Michael Kevin | Direct | Buy | 8012025 | 41.00 | 650 | 26,650 | 122,180 | Form | |
| 3 | Patel, Sushil Amathalal | Direct | Buy | 8012025 | 41.00 | 1 | 41 | 97,826 | Form | |
| 4 | Patel, Sushil Amathalal | Direct | Buy | 8012025 | 41.16 | 1,299 | 53,460 | 151,657 | Form | |
| 5 | Foster, Michael Kevin | Direct | Buy | 7212025 | 42.56 | 749 | 31,879 | 99,168 | Form |
External Quote Links
| Y Finance | Barrons |
| TradingView | Morningstar |
| SeekingAlpha | ValueLine |
| Motley Fool | Robinhood |
| CNBC | Etrade |
| MarketWatch | Unusual Whales |
| YCharts | Perplexity Finance |
| FinViz |
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