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PLBCPlumas Bancorp$56.61$398M
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PLBC logoPlumas Bancorp(PLBC)Earnings, Financials & Key Ratios

PLBC•NASDAQ•Banking & Credit
12.5× P/E·Price updated Jun 13, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial and middle-market focused banks
AboutPlumas 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.Show more
  • Net Interest Income$88M+20.0%
  • Total Revenue$108M+48.6%
  • Net Income$30M+3.5%
  • Return on Equity13.49%-23.3%
  • Net Interest Margin3.95%-13.0%
  • Efficiency Ratio44.28%+46.4%
  • ROA1.53%-13.3%
  • Equity / Assets11.66%+6.4%
  • Book Value per Share40.06+34.4%
  • Tangible BV/Share34.64+19.9%
  • Debt/Equity0.57+63.0%

PLBC Key Insights

Plumas Bancorp (PLBC) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Strong 5Y profit CAGR of 15.4%
  • ✓Strong NIM of 4.0%
  • ✓Efficient operations: 44.3% efficiency ratio
  • ✓Well capitalized: 11.7% equity/assets
  • ✓Good 3Y average ROE of 17.8%
  • ✓Healthy dividend yield of 2.1%

✗Weaknesses

  • ✗Weak Piotroski F-Score: 3/9

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

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PLBC Price & Volume

Plumas Bancorp (PLBC) stock price & volume — 10-year historical chart

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PLBC Growth Metrics

Plumas Bancorp (PLBC) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years13.57%
5 Years17.73%
3 Years15.35%
TTM-

Profit CAGR

10 Years17.67%
5 Years15.39%
3 Years3.85%
TTM3.49%

EPS CAGR

10 Years14.72%
5 Years10.39%
3 Years0.52%
TTM-5.22%

Return on Capital

10 Years21.49%
5 Years19.84%
3 Years17.08%
Last Year14.11%

PLBC Recent Earnings

Plumas Bancorp (PLBC) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 7/12 qtrs (70%)●Beat Revenue 6/12 qtrs (60%)
Q2 2026Latest
Apr 15, 2026
EPS
$1.38
Est $1.31
+5.3%
Revenue
$28M
Est $27M
+4.4%
Q2 2026
Mar 19, 2026
EPS
$1.58
Est $1.35
+17.0%
Revenue
$33M
Est $27M
+21.7%
Q1 2026
Jan 21, 2026
EPS
$1.56
Est $1.37
+13.9%
Revenue
$27M
Est $28M
-2.3%
Q4 2025
Oct 15, 2025
EPS
$1.35
Est $0.66
+104.5%
Revenue
$27M
Est $27M
-0.0%
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 15, 2026
$1.38vs $1.31+5.3%
$28Mvs $27M+4.4%
Q2 2026Mar 19, 2026
$1.58vs $1.35+17.0%
$33Mvs $27M+21.7%
Q1 2026Jan 21, 2026
$1.56vs $1.37+13.9%
$27Mvs $28M-2.3%
Q4 2025Oct 15, 2025
$1.35vs $0.66+104.5%
$27Mvs $27M-0.0%
Based on last 12 quarters of dataView full earnings history →

PLBC Peer Comparison

Plumas Bancorp (PLBC) competitors in Commercial and middle-market focused banks — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
Institutional Holdings
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
BSVN logoBSVNBank7 Corp.Direct Competitor446.2M46.4810.33-3.87%31.38%18.21%
HAFC logoHAFCHanmi Financial CorporationDirect Competitor949.09M31.7512.653.55%17.12%9.85%0.35
CVBF logoCVBFCVB Financial Corp.Direct Competitor2.88B21.2313.97-2.33%32.48%9.25%0.43
WAFD logoWAFDWaFd, Inc.Product Competitor2.85B37.0714.10-1.58%17.46%8.02%0.60
BANR logoBANRBanner CorporationProduct Competitor2.28B67.2411.92-0.95%23.84%10.34%0.19
COLB logoCOLBColumbia Banking System, Inc.Product Competitor7.45B31.3113.618.35%17.11%8.39%0.51
PFIS logoPFISPeoples Financial Services Corp.Product Competitor635.56M63.5210.8022.26%21.04%11.81%0.50
FNF logoFNFFidelity National Financial, Inc.Supply Chain12.9B47.9221.688.61%5.15%8.5%0.53

Compare PLBC vs Peers

Plumas Bancorp (PLBC) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs BSVN

Most directly comparable listed peer for PLBC.

Scale Benchmark

vs NDAQ

Larger-name benchmark to compare PLBC against a more recognizable public peer.

Peer Set

Compare Top 5

vs BSVN, HAFC, CVBF, WAFD

PLBC Income Statement

Plumas Bancorp (PLBC) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Net Interest Income
27.94M33.09M37.55M38.4M46.93M58.51M69.79M73.69M88.43M
NII Growth %
16.03%18.44%13.51%2.24%22.24%24.66%19.29%5.58%20%
Net Interest Margin %
3.75%4.01%4.34%3.45%2.91%3.61%4.33%4.54%3.95%
Interest Income
28.95M34.32M39.3M39.62M48.07M59.76M74.59M84.33M102.31M
Interest Expense
1.02M1.24M1.75M1.23M1.14M1.25M4.8M10.63M13.88M
Loan Loss Provision
600K1M1.5M3.17M1.13M1.3M2.77M1.2M6.85M
Non-Interest Income
8.22M8.71M7.91M8.23M8.43M10.78M10.3M-11.46M5.94M
Non-Interest Income %
22.1%20.24%16.75%17.2%14.92%15.28%12.13%-15.73%5.49%
Total Revenue
37.17M▲ 0%
43.03M▲ 15.8%
47.21M▲ 9.7%
47.86M▲ 1.4%
56.5M▲ 18.1%
70.53M▲ 24.8%
84.89M▲ 20.4%
72.86M▼ 14.2%
108.25M▲ 48.6%
Revenue Growth %
13.85%15.78%9.7%1.37%18.06%24.83%20.35%-14.17%48.56%
Non-Interest Expense
20.05M21.67M22.58M23.5M25.75M32.32M37.11M22.03M47.93M
Efficiency Ratio
53.93%50.36%47.84%49.11%45.58%45.82%43.71%30.24%44.28%
Operating Income
15.51M▲ 0%
19.13M▲ 23.4%
21.38M▲ 11.8%
19.95M▼ 6.7%
28.49M▲ 42.8%
35.67M▲ 25.2%
40.21M▲ 12.7%
39M▼ 3.0%
39.59M▲ 1.5%
Operating Margin %
41.71%44.44%45.29%41.69%50.42%50.57%47.37%53.53%36.58%
Operating Income Growth %
26.75%23.35%11.79%-6.68%42.78%25.21%12.73%-3.01%1.52%
Pretax Income
15.51M▲ 0%
19.13M▲ 23.4%
21.38M▲ 11.8%
19.95M▼ 6.7%
28.49M▲ 42.8%
35.67M▲ 25.2%
40.21M▲ 12.7%
39M▼ 3.0%
39.59M▲ 1.5%
Pretax Margin %
41.71%44.44%45.29%41.69%50.42%50.57%47.37%53.53%36.58%
Income Tax
7.32M5.13M5.87M5.48M7.48M9.22M10.44M10.38M9.97M
Effective Tax Rate %
47.18%26.84%27.45%27.45%26.25%25.86%25.95%26.62%25.19%
Net Income
8.19M▲ 0%
13.99M▲ 70.9%
15.51M▲ 10.9%
14.47M▼ 6.7%
21.01M▲ 45.1%
26.44M▲ 25.9%
29.78M▲ 12.6%
28.62M▼ 3.9%
29.62M▲ 3.5%
Net Margin %
22.03%32.51%32.86%30.25%37.18%37.49%35.08%39.28%27.36%
Net Income Growth %
9.57%70.86%10.86%-6.69%45.14%25.87%12.6%-3.89%3.49%
Net Income (Continuing)
8.19M13.99M15.51M14.47M21.01M26.44M29.78M28.62M29.62M
EPS (Diluted)
1.58▲ 0%
2.68▲ 69.6%
2.97▲ 10.8%
2.77▼ 6.7%
3.76▲ 35.7%
4.47▲ 18.9%
5.02▲ 12.3%
4.80▼ 4.4%
4.54▼ 5.4%
EPS Growth %
7.48%69.62%10.82%-6.73%35.74%18.88%12.3%-4.38%-5.42%
EPS (Basic)
1.642.743.012.803.824.535.084.854.60
Diluted Shares Outstanding
5.18M5.22M5.23M5.23M5.58M5.91M5.93M5.97M6.52M

PLBC Balance Sheet

Plumas Bancorp (PLBC) balance sheet — assets, liabilities & shareholders' equity

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash & Short Term Investments
225M218.19M206.26M364.52M686.5M628.13M574.84M519.75M469.33M
Cash & Due from Banks
87.54M46.69M46.94M184.91M380.58M183.43M85.66M82.02M80.62M
Short Term Investments
137.47M171.51M159.32M179.61M305.91M444.7M489.18M437.74M388.72M
Total Investments
619.71M734M775.36M880.41M1.17B1.35B1.44B1.44B1.97B
Investments Growth %
11.03%18.44%5.63%13.55%32.5%15.81%6.43%0.37%36.68%
Long-Term Investments
482.25M562.5M616.04M700.79M860.66M906.27M948.6M1.01B1.58B
Accounts Receivables
12.62M15.39M14.37M18.31M28.66M47.02M000
Goodwill & Intangibles
00005.5M5.5M5.5M5.5M35.32M
Goodwill
00005.5M5.5M5.5M5.5M24.21M
Intangible Assets
0000000011.1M
PP&E (Net)
11.35M14.29M14.63M14.02M16.42M18.1M21.87M36.83M53.26M
Other Assets
14.21M14.03M13.89M13.93M16.33M16.02M59.6M55.87M96.9M
Total Current Assets
237.62M233.59M220.63M382.84M715.15M675.15M574.84M519.75M469.33M
Total Non-Current Assets
507.8M590.81M644.56M728.74M898.92M945.89M1.04B1.1B1.77B
Total Assets
745.43M▲ 0%
824.4M▲ 10.6%
865.19M▲ 4.9%
1.11B▲ 28.5%
1.61B▲ 45.2%
1.62B▲ 0.4%
1.61B▼ 0.7%
1.62B▲ 0.8%
2.24B▲ 37.9%
Asset Growth %
13.29%10.59%4.95%28.48%45.21%0.43%-0.66%0.8%37.9%
Return on Assets (ROA)
1.17%1.78%1.84%1.46%1.54%1.63%1.84%1.77%1.53%
Accounts Payable
6.69M7.53M7.04M8.26M13.4M15.3M000
Total Debt
20.38M23.37M26.32M29.19M27.59M28.93M116.06M61.83M147.9M
Net Debt
-67.15M-23.32M-20.62M-155.72M-352.99M-154.49M30.4M-20.19M67.28M
Long-Term Debt
10.31M10.31M10.31M15.31M10.31M10.31M90M15M21.01M
Short-Term Debt
10.07M13.06M16.01M13.88M17.28M18.62M23.05M22.07M97.86M
Other Liabilities
00000013.39M12.49M19.95M
Total Current Liabilities
679.42M747.16M770.38M996.11M1.47B1.49B1.36B1.39B1.91B
Total Non-Current Liabilities
10.31M10.31M10.31M15.31M10.31M10.31M106.39M52.25M69.99M
Total Liabilities
689.73M757.47M780.69M1.01B1.48B1.5B1.46B1.45B1.98B
Total Equity
55.7M▲ 0%
66.93M▲ 20.2%
84.5M▲ 26.3%
100.15M▲ 18.5%
134.08M▲ 33.9%
119M▼ 11.2%
147.32M▲ 23.8%
177.9M▲ 20.8%
261.08M▲ 46.8%
Equity Growth %
16.06%20.17%26.25%18.52%33.88%-11.25%23.79%20.76%46.75%
Equity / Assets (Capital Ratio)
7.47%8.12%9.77%9.01%8.31%7.34%9.15%10.96%11.66%
Return on Equity (ROE)
15.79%22.82%20.49%15.68%17.94%20.9%22.36%17.6%13.49%
Book Value per Share
10.7412.8216.1619.1524.0220.1324.8329.8140.06
Tangible BV per Share
10.7412.8216.1619.1523.0319.2023.9028.8934.64
Common Stock
6.42M6.94M7.31M7.66M26.8M27.37M28.03M29.04M75.67M
Additional Paid-in Capital
000000000
Retained Earnings
49.85M62.01M75.14M87.75M105.68M128.39M151.75M174M195.9M
Accumulated OCI
-570K-2.02M2.05M4.75M1.6M-36.76M-32.46M-25.14M-10.49M
Treasury Stock
000000000
Preferred Stock
000000000

PLBC Cash Flow Statement

Plumas Bancorp (PLBC) cash flow — operating, investing & free cash flow history

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash from Operations
11.48M15.64M15.48M24.63M-8.42M56.88M38.34M30.51M21.59M
Operating CF Growth %
28.98%36.25%-1.04%59.14%-134.18%775.75%-32.6%-20.42%-29.24%
Net Income
8.19M13.99M15.51M14.47M21.01M26.44M29.78M28.62M29.62M
Depreciation & Amortization
1.03M1.04M1.39M1.42M1.67M1.9M1.67M1.5M2.83M
Deferred Taxes
503K360K-166K-1.07M-1.3M1.03M-702K-54K2.27M
Other Non-Cash Items
4.21M2.18M-206K9.04M-26.64M28.81M6.62M52K-5.7M
Working Capital Changes
-2.61M-2.13M-1.28M572K-3.38M-1.56M652K-106K-7.78M
Cash from Investing
-66.54M-121.87M-36.71M-114.4M-79.81M-270.77M-90.55M10.25M70.32M
Purchase of Investments
-58.09M-56.27M-27.8M-61.16M-196.16M-227.07M-73.11M-120.81M-122.87M
Sale/Maturity of Investments
22.3M19.48M45.13M43.56M63.66M31.58M36.22M163.19M188.02M
Net Investment Activity
-35.8M-36.78M17.32M-17.6M-132.5M-195.49M-36.89M42.38M65.16M
Acquisitions
000023.63M00035.78M
Other Investing
-30.21M-81.22M-52.63M-95.19M29.99M-72.25M-51.38M-31.46M-29.3M
Cash from Financing
79.95M65.38M21.48M227.74M283.9M16.72M-45.56M-44.39M-93.31M
Dividends Paid
-1.4M-1.84M-2.37M-1.87M-3.08M-3.74M-5.86M-6.37M-7.72M
Share Repurchases
000-89K-265K0000
Stock Issued
261K330K089K265K00508K1.1M
Net Stock Activity
261K330K00000508K1.1M
Debt Issuance (Net)
-1000K001000K-1000K01000K-1000K-1000K
Other Financing
83.72M67.22M23.86M224.6M291.98M20.46M-119.39M36.47M-65.94M
Net Change in Cash
24.89M▲ 0%
-40.85M▼ 264.1%
256K▲ 100.6%
137.97M▲ 53793.4%
195.68M▲ 41.8%
-197.16M▼ 200.8%
-97.77M▲ 50.4%
-3.64M▲ 96.3%
-1.4M▲ 61.5%
Exchange Rate Effect
000000000
Cash at Beginning
62.65M87.54M46.69M46.94M184.91M380.58M183.43M85.66M82.02M
Cash at End
87.54M46.69M46.94M184.91M380.58M183.43M85.66M82.02M80.62M
Interest Paid
1.01M1.21M1.74M1.25M1.13M1.25M3.63M8.57M14.29M
Income Taxes Paid
7.17M4.51M6.02M6.77M9.19M6.9M12.26M9.65M8.6M
Free Cash Flow
10.95M▲ 0%
11.77M▲ 7.5%
14.08M▲ 19.6%
23.02M▲ 63.5%
-9.35M▼ 140.6%
53.86M▲ 676.1%
36.06M▼ 33.1%
29.83M▼ 17.3%
20.28M▼ 32.0%
FCF Growth %
31.91%7.55%19.6%63.52%-140.61%676.13%-33.05%-17.27%-32.03%

PLBC Banking Ratios

Plumas Bancorp (PLBC) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric2016201720182019202020212022202320242025
Return on Equity (ROE)16.52%15.79%22.82%20.49%15.68%17.94%20.9%22.36%17.6%13.49%
Return on Assets (ROA)1.19%1.17%1.78%1.84%1.46%1.54%1.63%1.84%1.77%1.53%
Net Interest Margin3.66%3.75%4.01%4.34%3.45%2.91%3.61%4.33%4.54%3.95%
Efficiency Ratio56.94%53.93%50.36%47.84%49.11%45.58%45.82%43.71%30.24%44.28%
Equity / Assets7.29%7.47%8.12%9.77%9.01%8.31%7.34%9.15%10.96%11.66%
Book Value / Share9.4110.7412.8216.1619.1524.0220.1324.8329.8140.06
NII Growth12.45%16.03%18.44%13.51%2.24%22.24%24.66%19.29%5.58%20%
Dividend Payout6.54%17.07%13.16%15.3%12.89%14.67%14.13%19.69%22.24%26.07%
Related:PLBC Dividend History·PLBC Revenue History·PLBC Price History·PLBC P/E History·PLBC Financial Ratios·PLBC Institutional Holders

PLBC SEC Filings & Documents

Plumas Bancorp (PLBC) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Apr 16, 2026·SEC

Material company update

Apr 15, 2026·SEC

Material company update

Apr 15, 2026·SEC

10-K Annual Reports

2
FY 2026

Mar 19, 2026·SEC

FY 2025

Mar 19, 2025·SEC

10-Q Quarterly Reports

4
FY 2025

Nov 5, 2025·SEC

FY 2025

Aug 6, 2025·SEC

FY 2025

May 7, 2025·SEC

PLBC Frequently Asked Questions

Plumas Bancorp (PLBC) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

Plumas Bancorp (PLBC) grew revenue by 48.6% over the past year. This is strong growth.

Yes, Plumas Bancorp (PLBC) is profitable, generating $29.6M in net income for fiscal year 2025 (27.4% net margin).

Dividend & Returns

Yes, Plumas Bancorp (PLBC) pays a dividend with a yield of 2.09%. This makes it attractive for income-focused investors.

Plumas Bancorp (PLBC) has a return on equity (ROE) of 13.5%. This is reasonable for most industries.

Industry Metrics

Plumas Bancorp (PLBC) has a net interest margin (NIM) of 4.0%. This indicates healthy earnings from lending activities.

Plumas Bancorp (PLBC) has an efficiency ratio of 44.3%. This is excellent, indicating strong cost control.

What if you invested $1,000 in PLBC back in 2001?

Total return calculator · dividends reinvested · 25+ years of data

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How much would $100/month in PLBC be worth today?

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