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PLBC

Plumas Bancorp

PLBC

Plumas Bancorp • NASDAQ
$43.41 ▼ -0.05% (-0.02)
Market Cap $301.94 M
52w High $50.50
52w Low $38.71
Dividend Yield 1.20%
P/E 10.24
Volume 7.09K
Outstanding Shares 6.96M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $31.936M ▲ $15.025M ▲ $5.146M ▼ 16.113% ▼ $0.7 ▼ $7.979M ▼
Q2-2025 $22.994M ▼ $11.012M ▼ $6.321M ▼ 27.49% ▼ $1.07 ▼ $9.031M ▼
Q1-2025 $23.731M ▲ $11.394M ▲ $7.18M ▼ 30.256% ▼ $1.21 ▼ $10.399M ▼
Q4-2024 $23.412M ▼ $10.592M ▼ $7.749M ▼ 33.098% ▲ $1.31 ▼ $11.017M ▼
Q3-2024 $23.997M $10.722M $7.83M 32.629% $1.33 $11.096M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $529.832M ▲ $2.229B ▲ $1.983B ▲ $245.95M ▲
Q2-2025 $518.942M ▲ $1.629B ▼ $1.435B ▼ $193.079M ▲
Q1-2025 $147.453M ▼ $1.633B ▲ $1.446B ▲ $187.603M ▲
Q4-2024 $519.753M ▼ $1.623B ▼ $1.445B ▼ $177.9M ▼
Q3-2024 $574.679M $1.664B $1.482B $181.942M

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q3-2025 $5.145M ▼ $5.604M ▲ $67.739M ▲ $-65.33M ▼ $8.013M ▲ $4.803M ▲
Q2-2025 $6.321M ▼ $2.065M ▼ $1.424M ▲ $-11.55M ▼ $-8.061M ▼ $2.034M ▼
Q1-2025 $7.18M ▼ $7.503M ▼ $629K ▲ $-2.823M ▲ $5.309M ▲ $7.33M ▼
Q4-2024 $7.749M ▼ $8.284M ▲ $-7.959M ▼ $-36.266M ▼ $-35.941M ▼ $8.176M ▲
Q3-2024 $7.83M $7.987M $-2.819M $2.939M $8.107M $7.838M

Five-Year Company Overview

Income Statement

Income Statement Plumas Bancorp looks like a steadily profitable community bank. Over the past several years, revenue has generally trended higher, with only a slight softening most recently. Profitability has improved meaningfully versus a few years ago, helped by solid interest spreads and controlled operating costs. Earnings per share have grown strongly over the five‑year period, though they now appear to be stabilizing rather than accelerating. Overall, the income statement reflects a mature, well‑run bank with consistent profits, but not a high‑growth story in the latest year.

Balance Sheet

Balance Sheet The balance sheet is conservative and relatively stable. Total assets have been flat for the last few years after a jump earlier in the period, which suggests the bank is prioritizing quality over rapid expansion. Cash levels spiked earlier and then normalized, indicating active balance sheet management as conditions changed. Debt remains modest for a bank of this size, and shareholder equity has been building steadily, which points to a solid capital base and a healthy cushion against potential loan losses or economic shocks. The overall picture is one of prudence rather than aggressiveness.

Cash Flow

Cash Flow Cash generation is a clear strength. Operating cash flow has been positive in most years, with one temporary setback that appears to have been corrected quickly. Free cash flow generally tracks operating cash flow closely, and capital spending needs are very light, which is typical for a bank that invests mainly in loans and securities rather than heavy physical assets. This pattern suggests that the business model is cash‑generative and that management has some flexibility in how to use that cash, whether for growth, dividends, buybacks, or extra balance sheet strength, subject to regulatory limits.

Competitive Edge

Competitive Edge Plumas Bancorp competes as a relationship‑driven community bank with some notable specialties. Its SBA Preferred Lender status is a key differentiator, allowing it to deliver small‑business loans faster than many peers, which is valuable in time‑sensitive situations. The bank has deep roots in its regional markets and reinforces this with personalized service and local decision‑making. The acquisition of Cornerstone Community Bancorp broadened its footprint and client base, especially in Northern California. On the risk side, the bank is still relatively small and regionally concentrated, so it is more exposed to local economic cycles and competitive pressure from larger banks and digital‑only players.

Innovation and R&D

Innovation and R&D While banks do not report “R&D” the way tech firms do, Plumas Bancorp is clearly investing in innovation. Early adoption of the FedNow instant payments service and an upgraded lending platform show a focus on speed, convenience, and efficiency for both consumers and businesses. Its digital banking tools, remote deposit, treasury management services, and fraud‑prevention capabilities are designed to match larger competitors while keeping a community feel. The bank’s challenge will be to keep pace with rapid technology changes without losing its high‑touch service model; so far, leadership seems intentionally focused on using technology to enhance, not replace, personal relationships.

Summary

Plumas Bancorp presents as a disciplined, profitable community bank with a conservative balance sheet and steady cash generation. Its strengths lie in specialized small‑business lending, strong local relationships, and a willingness to adopt modern payment and digital tools. Growth has been more about quality and strategic expansion—such as acquisitions and SBA lending reach—than about aggressive balance sheet expansion. Key watchpoints include how it manages regional concentration risk, credit quality in a changing rate environment, and its ability to keep innovating technologically while preserving the personalized service that underpins its competitive edge.

NEWS

October 16, 2025 · 9:00 AM UTC

PLUMAS BANCORP DECLARES QUARTERLY CASH DIVIDEND

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October 15, 2025 · 9:00 AM UTC

Plumas Bancorp Reports Third Quarter 2025 Earnings

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October 10, 2025 · 2:30 PM UTC

Plumas Bank Announces Year-End Retirement of Chief Credit Officer Jeff Moore; Kevin Kaiser Named Successor

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