NASDAQ : PLBC
Plumas Bancorp — Financial statements
Financials · Banks - Regional · United States
Last price 63.64 USD (Oct 29, 2026, 4:00 PM EDT) · Market cap 441.92M
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Financial statements
Income statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Interest Income on Loans | 98.63M | 78.88M | 61.45M | 55.00M | 45.70M | 43.31M |
| Interest Income on Investments | 23.43M | 23.43M | 23.42M | 20.01M | 14.35M | 4.76M |
| Total Interest Income | 122.06M | 102.31M | 84.87M | 75.01M | 60.05M | 48.07M |
| Interest Paid on Deposits | 16.01M | 12.04M | 5.92M | 3.73M | 823.00K | 780.00K |
| Interest Paid on Borrowings | 1.84M | 1.84M | 4.72M | 1.07M | 426.00K | 356.00K |
| Total Interest Expense | 17.84M | 13.88M | 10.63M | 4.80M | 1.25M | 1.14M |
| Net Interest Income | 104.22M | 88.43M | 74.24M | 70.21M | 58.80M | 46.93M |
| Gain (Loss) on Sale of Assets | 5.54M | 5.54M | 19.85M | |||
| Gain (Loss) on Sale of Investments | -5.19M | -5.81M | -19.82M | -209.00K | ||
| Other Non-Interest Income | 10.13M | 10.14M | 8.16M | 10.07M | 8.06M | 7.92M |
| Total Non-Interest Income | 10.58M | 9.87M | 8.23M | 10.30M | 10.76M | 8.72M |
| Revenues Before Loan Losses | 114.80M | 98.30M | 82.47M | 80.52M | 69.56M | 55.65M |
| Provision for Loan Losses | 787.00K | 6.85M | 1.20M | 2.77M | 1.30M | 1.12M |
| Revenue | 114.01M | 91.45M | 81.28M | 77.74M | 68.26M | 54.52M |
| Salaries and Employee Benefits | 29.72M | 25.68M | 21.24M | 20.00M | 17.19M | 12.57M |
| Occupancy Expenses | 7.16M | 5.63M | 4.57M | 4.70M | 4.03M | 3.49M |
| Selling, General & Administrative | 7.30M | 5.84M | 5.25M | 2.48M | 2.03M | 1.49M |
| Other Non-Interest Expense | 13.87M | 12.74M | 11.21M | 10.35M | 9.35M | 8.49M |
| Total Non-Interest Expense | 59.14M | 49.89M | 42.27M | 37.53M | 32.59M | 26.04M |
| EBT Excluding Unusual Items | 54.87M | 41.55M | 39.00M | 40.21M | 35.67M | 28.49M |
| Pretax Income | 54.83M | 39.59M | 39.00M | 40.21M | 35.67M | 28.49M |
| Income Tax Expense | 12.76M | 9.97M | 10.38M | 10.44M | 9.22M | 7.48M |
| Net Income | 42.08M | 29.62M | 28.62M | 29.78M | 26.44M | 21.01M |
| Net Income to Common | 42.08M | 29.62M | 28.62M | 29.78M | 26.44M | 21.01M |
| Basic Shares Outstanding | 6.97M | 6.44M | 5.89M | 5.86M | 5.84M | 5.50M |
| Diluted Shares Outstanding | 7.06M | 6.52M | 5.97M | 5.93M | 5.91M | 5.58M |
| EPS (Basic) | 6.04 | 4.60 | 4.85 | 5.08 | 4.53 | 3.82 |
| EPS (Diluted) | 5.96 | 4.54 | 4.80 | 5.02 | 4.47 | 3.76 |
| Dividend Per Share | 1.29 | 1.20 | 1.08 | 1.00 | 0.64 | 0.56 |
| Effective Tax Rate | 23.26% | 25.19% | 26.62% | 25.95% | 25.86% | 26.25% |
Balance sheet
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 114.36M | 49.62M | 35.02M | 85.66M | 183.43M | 380.58M |
| Investment Securities | 88.67M | 87.47M | 137.30M | 131.28M | 97.66M | |
| Trading Asset Securities | 2.00M | 607.00K | ||||
| Mortgage-Backed Securities | 475.17M | 387.93M | 350.26M | 351.88M | 313.99M | 208.26M |
| Total Investments | 475.17M | 476.60M | 437.74M | 489.18M | 447.27M | 306.52M |
| Gross Loans | 1.50B | 1.52B | 1.02B | 961.47M | 914.68M | 839.74M |
| Allowance for Loan Losses | -19.74M | -19.96M | -13.20M | -12.87M | -10.72M | -10.35M |
| Net Loans | 1.48B | 1.50B | 1.01B | 948.60M | 903.97M | 829.38M |
| Property, Plant & Equipment | 50.98M | 53.26M | 36.83M | 21.87M | 21.45M | 19.84M |
| Goodwill | 24.21M | 24.21M | 5.50M | 5.50M | 5.50M | 5.50M |
| Other Intangible Assets | 9.40M | 11.10M | 791.00K | |||
| Loans Held for Sale | 2.30M | 31.28M | ||||
| Accrued Interest Receivable | 77.82M | 26.87M | 15.01M | 16.64M | 7.43M | 5.80M |
| Other Receivables | 10.00M | |||||
| Restricted Cash | 31.00M | 47.00M | ||||
| Long-Term Deferred Tax Assets | 14.49M | 15.73M | 18.75M | 19.62M | 4.55M | |
| Other Real Estate Owned & Foreclosed | 114.00K | 232.00K | 202.00K | 495.00K | 18.00K | 534.00K |
| Other Long-Term Assets | 34.48M | 37.22M | 17.90M | 17.48M | 25.10M | 25.63M |
| Total Assets | 2.27B | 2.24B | 1.62B | 1.61B | 1.62B | 1.61B |
| Interest Bearing Deposits | 1.01B | 828.72M | 631.03M | 603.28M | 680.46M | 682.30M |
| Institutional Deposits | 131.90M | 40.67M | 37.61M | 10.80M | 20.12M | |
| Non-Interest Bearing Deposits | 859.71M | 848.99M | 699.40M | 692.77M | 766.55M | 736.58M |
| Total Deposits | 1.87B | 1.81B | 1.37B | 1.33B | 1.46B | 1.44B |
| Short-Term Borrowings | 80.00M | |||||
| Current Portion of Leases | 3.63M | |||||
| Accrued Interest Payable | 30.90M | 13.02M | 7.73M | 8.58M | 81.00K | 78.00K |
| Long-Term Debt | 78.24M | 118.87M | 37.07M | 33.05M | 18.62M | 17.28M |
| Long-Term Leases | 28.06M | 25.40M | 24.76M | 3.00M | 3.40M | 3.44M |
| Trust Preferred Securities | 10.31M | 10.31M | ||||
| Pension & Post-Retirement Benefits | 6.35M | 4.14M | 4.01M | |||
| Other Long-Term Liabilities | 580.00K | 620.00K | 799.00K | 11.82M | 9.88M | |
| Total Liabilities | 2.00B | 1.98B | 1.45B | 1.46B | 1.50B | 1.48B |
| Common Stock | 73.60M | 75.67M | 29.04M | 28.03M | 27.37M | 26.80M |
| Retained Earnings | 220.10M | 195.90M | 174.00M | 151.75M | 128.39M | 105.68M |
| Comprehensive Income & Other | -31.26M | -10.49M | -25.14M | -32.46M | -36.76M | 1.60M |
| Shareholders' Equity | 262.45M | 261.08M | 177.90M | 147.32M | 119.00M | 134.08M |
| Total Liabilities & Equity | 2.27B | 2.24B | 1.62B | 1.61B | 1.62B | 1.61B |
| Total Debt | 106.30M | 147.90M | 61.83M | 116.06M | 32.33M | 31.03M |
| Net Cash (Debt) | 8.06M | -98.28M | -26.81M | -30.40M | 153.10M | 350.16M |
| Net Cash Per Share | 1.14 | -15.08 | -4.49 | -5.12 | 25.90 | 62.72 |
| Filing Date Shares Outstanding | 6.94M | 6.98M | 5.92M | 5.89M | 5.86M | 5.83M |
| Total Common Shares Outstanding | 6.94M | 6.96M | 5.90M | 5.87M | 5.85M | 5.82M |
| Book Value Per Share | 37.80 | 37.52 | 30.14 | 25.09 | 20.34 | 23.05 |
| Tangible Book Value | 228.83M | 225.76M | 171.61M | 141.81M | 113.50M | 128.58M |
| Tangible Book Value Per Share | 32.95 | 32.44 | 29.07 | 24.15 | 19.40 | 22.10 |
Cash flow statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 29.62M | 28.62M | 29.78M | 26.44M | 21.01M | |
| Depreciation & Amortization | 2.83M | 1.50M | 1.67M | 1.90M | 1.67M | |
| Other Amortization | 142.00K | |||||
| Gain (Loss) on Sale of Assets | -5.49M | -19.73M | -11.00K | 91.00K | 40.00K | |
| Gain (Loss) on Sale of Investments | 4.60M | 19.45M | 507.00K | 854.00K | 1.27M | |
| Total Asset Writedown | 50.00K | |||||
| Provision for Credit Losses | 6.85M | 1.20M | 2.77M | 1.30M | 1.12M | |
| Net Decrease (Increase) in Loans Originated / Sold - Operating | -473.00K | 4.00M | 29.65M | -27.69M | ||
| Accrued Interest Receivable | -5.29M | 1.69M | 335.00K | -1.09M | -876.00K | |
| Change in Other Net Operating Assets | -590.00K | -250.00K | -318.00K | -2.36M | -3.19M | |
| Other Operating Activities | -8.43M | -463.00K | -1.12M | 642.00K | -1.68M | |
| Operating Cash Flow | 21.59M | 30.51M | 38.34M | 56.88M | -8.42M | |
| Capital Expenditures | -1.31M | -678.00K | -2.28M | -3.02M | -931.00K | |
| Sale of Property, Plant and Equipment | 5.66M | 26.45M | 484.00K | 450.00K | 324.00K | |
| Cash Acquisitions | 35.78M | 23.63M | ||||
| Investment in Securities | 65.16M | 42.38M | -36.89M | -195.49M | -132.50M | |
| Net Decrease (Increase) in Loans Originated / Sold - Investing | -33.57M | -58.26M | -49.76M | -72.88M | 30.47M | |
| Other Investing Activities | -1.41M | -9.00K | -2.23M | -305.00K | -937.00K | |
| Investing Cash Flow | 70.32M | 10.25M | -90.55M | -270.77M | -79.81M | |
| Long-Term Debt Issued | 75.78M | 110.00M | 94.43M | 1.34M | 3.40M | |
| Long-Term Debt Repaid | -20.75M | -185.98M | -10.31M | -5.00M | ||
| Net Debt Issued (Repaid) | 55.03M | -75.98M | 84.12M | 1.34M | -1.59M | |
| Issuance of Common Stock | 1.10M | 508.00K | 339.00K | 309.00K | 265.00K | |
| Common Dividends Paid | -7.72M | -6.37M | -5.86M | -3.74M | -3.08M | |
| Net Increase (Decrease) in Deposit Accounts | -141.72M | 37.45M | -124.15M | 18.81M | 288.31M | |
| Financing Cash Flow | -93.31M | -44.39M | -45.56M | 16.72M | 283.90M | |
| Net Cash Flow | -1.40M | -3.64M | -97.77M | -197.16M | 195.68M | |
| Free Cash Flow | 20.28M | 29.83M | 36.06M | 53.86M | -9.35M | |
| Free Cash Flow Margin | 22.17% | 36.70% | 46.38% | 78.91% | -17.15% | |
| Free Cash Flow Per Share | 3.11 | 5.00 | 6.08 | 9.11 | -1.68 | |
| Cash Interest Paid | 14.29M | 8.57M | 3.63M | 1.25M | 1.13M | |
| Cash Income Tax Paid | 8.60M | 9.65M | 12.26M | 6.90M | 9.19M |
Ratios
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 447.40M | 310.84M | 278.71M | 242.73M | 216.75M | 196.44M |
| Last Close Price | 64.43 | 43.88 | 45.12 | 38.41 | 33.50 | 29.98 |
| PE Ratio | 10.82 | 10.49 | 9.74 | 8.15 | 8.20 | 9.35 |
| PS Ratio | 3.92 | 3.40 | 3.43 | 3.12 | 3.17 | 3.60 |
| PB Ratio | 1.70 | 1.19 | 1.57 | 1.65 | 1.82 | 1.47 |
| P/FCF Ratio | 14.10 | 15.33 | 9.34 | 6.73 | 4.02 | |
| P/OCF Ratio | 13.51 | 14.40 | 9.13 | 6.33 | 3.81 | |
| Debt / Equity Ratio | 0.41 | 0.57 | 0.35 | 0.79 | 0.27 | 0.23 |
| Debt / FCF Ratio | 7.29 | 2.07 | 3.22 | 0.60 | ||
| Net Debt / Equity Ratio | -0.03 | 0.38 | 0.15 | 0.21 | -1.29 | -2.61 |
| Net Debt / FCF Ratio | 4.85 | 0.90 | 0.84 | -2.84 | 37.45 | |
| Return on Equity (ROE) | 16.55% | 13.49% | 17.60% | 22.36% | 20.90% | 17.94% |
| Return on Assets (ROA) | 1.87% | 1.53% | 1.77% | 1.84% | 1.64% | 1.54% |
| Earnings Yield | 9.24% | 9.53% | 10.27% | 12.27% | 12.20% | 10.70% |
| FCF Yield | 7.09% | 6.52% | 10.70% | 14.86% | 24.85% | -4.76% |
| Dividend Yield | 2.05% | 2.69% | 2.29% | 2.42% | 1.73% | 1.66% |
| Payout Ratio | 22.16% | 26.07% | 22.24% | 19.69% | 14.13% | 14.67% |
| Buyback Yield / Dilution | -12.62% | -9.20% | -0.57% | -0.37% | -5.89% | -6.75% |
| Total Shareholder Return | -10.57% | -6.51% | 1.71% | 2.05% | -4.17% | -5.09% |