Last 47 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Plumas Bancorp's quarterly P/E stands at 7.2x, down 21.8% year-over-year — suggesting improving earnings relative to price. EV/EBITDA has expanded 14.4% YoY to 6.8x, reflecting rising market expectations or slowing EBITDA growth.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 12.47 | 7.16 | 14.77 | 10.59 | 9.01 | 9.16 | 7.78 | 7.89 | 8.76 | 8.14 | 6.37 | 7.97 | 6.65 |
| — | -21.8% | +89.8% | +34.2% | +2.9% | +12.5% | +22.2% | -1.0% | +31.7% | +16.0% | +10.5% | +7.2% | -32.3% | |
| P/S Ratio | 3.68 | 2.36 | 2.15 | 2.90 | 2.74 | 3.03 | 2.54 | 2.30 | 24.77 | 2.82 | 2.38 | 2.61 | 2.34 |
| — | -22.0% | -15.4% | +26.2% | -89.0% | +7.2% | +6.5% | -11.8% | +956.9% | +2.1% | +5.4% | +0.9% | -33.9% | |
| P/B Ratio | 1.41 | 1.20 | 1.11 | 1.38 | 1.38 | 1.59 | 1.34 | 1.30 | 1.35 | 1.67 | 1.69 | 1.65 | 1.57 |
| — | -24.4% | -16.7% | +6.8% | +2.2% | -4.5% | -20.8% | -21.3% | -13.7% | -9.5% | +7.5% | +13.4% | -14.3% | |
| P/FCF | 19.64 | 12.87 | 14.27 | 32.82 | 8.86 | 8.66 | 7.76 | 11.04 | 6.10 | 246.60 | 4.10 | 5.52 | 3.64 |
| — | +48.5% | +83.8% | +197.4% | +45.3% | -96.5% | +89.2% | +100.0% | +67.3% | +2673.1% | +19.7% | +93.4% | +33.9% | |
| EV / EBITDA | 11.76 | 6.83 | 10.40 | 6.71 | 5.54 | 5.97 | 5.46 | 6.88 | 7.23 | 6.52 | 3.07 | 4.03 | 2.88 |
| — | +14.4% | +90.5% | -2.6% | -23.3% | -8.4% | +78.0% | +70.9% | +150.7% | +344.6% | +187.8% | +201.9% | +165.6% | |
| EV / EBIT | 11.76 | 6.83 | 12.00 | 6.98 | 5.75 | 6.18 | 5.67 | 7.08 | 7.62 | 6.80 | 3.19 | 4.21 | 2.99 |
| — | +10.6% | +111.6% | -1.4% | -24.6% | -9.2% | +77.6% | +68.4% | +154.6% | +343.6% | +186.9% | +200.4% | +164.2% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Plumas Bancorp's operating margin was 41.9% in Q4 2025, up 20.3 pp QoQ and down 3.6 pp YoY. The trailing four-quarter average of 35.9% lags the current quarter, suggesting the recent improvement is above-trend. Gross margin contracted 6.7% YoY, suggesting cost inflation or competitive pricing pressure.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 80.9% | 84.6% | 68.7% | 85.6% | 90.3% | 90.7% | 89.2% | 84.2% | -53.5% | 90.9% | 94.8% | 88.5% | 90.0% |
| — | -6.7% | -23.0% | +1.7% | +268.7% | -0.2% | -5.9% | -4.9% | -159.5% | -5.9% | -2.1% | -7.6% | -6.5% | |
| Operating Margin | 36.6% | 41.9% | 21.7% | 37.7% | 42.3% | 45.5% | 44.5% | 39.9% | 379.5% | 46.6% | 50.8% | 44.1% | 47.8% |
| — | -7.9% | -51.4% | -5.6% | -88.9% | -2.3% | -12.4% | -9.3% | +693.2% | -12.4% | -3.7% | -6.2% | -1.1% | |
| Net Margin | 27.4% | 32.9% | 16.1% | 27.5% | 30.3% | 33.1% | 32.6% | 29.2% | 283.2% | 34.6% | 37.5% | 32.8% | 35.3% |
| — | -0.6% | -50.6% | -5.8% | -89.3% | -4.2% | -12.9% | -11.1% | +701.6% | -12.4% | -4.1% | -5.7% | -1.8% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 13.5% | 4.3% | 2.3% | 3.3% | 3.9% | 4.3% | 4.5% | 4.2% | 4.1% | 5.6% | 6.4% | 5.2% | 6.2% |
| — | +0.5% | -48.0% | -20.1% | -3.0% | -23.5% | -29.7% | -19.7% | -34.2% | -18.8% | -1.2% | +9.0% | +38.4% | |
| ROA | 1.5% | 0.5% | 0.3% | 0.4% | 0.4% | 0.5% | 0.5% | 0.4% | 0.4% | 0.5% | 0.5% | 0.4% | 0.5% |
| — | +4.2% | -43.7% | -6.3% | +14.6% | -0.2% | -6.5% | -2.2% | -19.3% | -1.1% | +14.7% | +20.7% | +34.9% | |
| ROIC | 9.2% | 2.6% | 1.6% | 2.6% | 3.1% | 3.0% | 2.6% | 2.1% | 2.1% | 3.7% | 5.3% | 4.3% | 5.1% |
| — | -11.7% | -36.8% | +23.1% | +45.4% | -20.2% | -51.6% | -49.7% | -58.2% | -34.8% | -3.3% | +3.8% | +34.8% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Plumas Bancorp's Debt/EBITDA ratio is 10.6x, down from 18.2x last quarter — elevated, raising questions about debt serviceability. The current ratio has weakened 34.0% YoY to 0.25x, tightening the short-term liquidity position.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.57 | 0.57 | 0.59 | 0.28 | 0.31 | 0.35 | 0.64 | 0.96 | 1.02 | 0.79 | 0.22 | 0.24 | 0.21 |
| — | +63.0% | -8.2% | -70.7% | -69.6% | -55.9% | +194.9% | +306.5% | +388.3% | +224.0% | -0.2% | +32.8% | +27.5% | |
| Debt / EBITDA | 3.74 | 10.59 | 18.20 | 6.03 | 5.60 | 5.61 | 10.54 | 16.64 | 18.66 | 10.96 | 2.32 | 3.27 | 2.51 |
| — | +88.7% | +72.6% | -63.8% | -70.0% | -48.8% | +353.7% | +409.5% | +642.8% | +318.0% | +2.6% | +27.8% | +1.5% | |
| Current Ratio | 0.25 | 0.25 | 0.28 | 0.38 | 0.11 | 0.37 | 0.42 | 0.42 | 0.44 | 0.42 | 0.40 | 0.42 | 0.44 |
| — | -34.0% | -34.1% | -10.8% | -75.7% | -11.9% | +3.9% | -0.5% | -0.6% | -6.4% | -18.6% | -12.5% | -11.4% | |
| Quick Ratio | 0.25 | 0.25 | 0.28 | 0.38 | 0.11 | 0.37 | 0.42 | 0.42 | 0.44 | 0.42 | 0.40 | 0.42 | 0.44 |
| — | -34.0% | -34.1% | -10.8% | -75.7% | -11.9% | +3.9% | -0.5% | -0.6% | -6.4% | -18.6% | -12.5% | -11.4% | |
| Interest Coverage | 2.85 | 2.94 | 1.50 | 3.54 | 4.89 | 4.60 | 3.57 | 3.37 | 3.26 | 5.41 | 8.30 | 9.08 | 16.18 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
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Plumas Bancorp's current P/E is 12.5x. The average P/E over the last 4 quarters is 10.4x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Plumas Bancorp's current operating margin is 36.6%. Margins have been compressing over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Plumas Bancorp's business trajectory between earnings reports.