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.

TTMFY2025FY2024FY2023FY2022FY2021
Interest Income on Loans98.63M78.88M61.45M55.00M45.70M43.31M
Interest Income on Investments23.43M23.43M23.42M20.01M14.35M4.76M
Total Interest Income122.06M102.31M84.87M75.01M60.05M48.07M
Interest Paid on Deposits16.01M12.04M5.92M3.73M823.00K780.00K
Interest Paid on Borrowings1.84M1.84M4.72M1.07M426.00K356.00K
Total Interest Expense17.84M13.88M10.63M4.80M1.25M1.14M
Net Interest Income104.22M88.43M74.24M70.21M58.80M46.93M
Gain (Loss) on Sale of Assets5.54M5.54M19.85M
Gain (Loss) on Sale of Investments-5.19M-5.81M-19.82M-209.00K
Other Non-Interest Income10.13M10.14M8.16M10.07M8.06M7.92M
Total Non-Interest Income10.58M9.87M8.23M10.30M10.76M8.72M
Revenues Before Loan Losses114.80M98.30M82.47M80.52M69.56M55.65M
Provision for Loan Losses787.00K6.85M1.20M2.77M1.30M1.12M
Revenue114.01M91.45M81.28M77.74M68.26M54.52M
Salaries and Employee Benefits29.72M25.68M21.24M20.00M17.19M12.57M
Occupancy Expenses7.16M5.63M4.57M4.70M4.03M3.49M
Selling, General & Administrative7.30M5.84M5.25M2.48M2.03M1.49M
Other Non-Interest Expense13.87M12.74M11.21M10.35M9.35M8.49M
Total Non-Interest Expense59.14M49.89M42.27M37.53M32.59M26.04M
EBT Excluding Unusual Items54.87M41.55M39.00M40.21M35.67M28.49M
Pretax Income54.83M39.59M39.00M40.21M35.67M28.49M
Income Tax Expense12.76M9.97M10.38M10.44M9.22M7.48M
Net Income42.08M29.62M28.62M29.78M26.44M21.01M
Net Income to Common42.08M29.62M28.62M29.78M26.44M21.01M
Basic Shares Outstanding6.97M6.44M5.89M5.86M5.84M5.50M
Diluted Shares Outstanding7.06M6.52M5.97M5.93M5.91M5.58M
EPS (Basic)6.044.604.855.084.533.82
EPS (Diluted)5.964.544.805.024.473.76
Dividend Per Share1.291.201.081.000.640.56
Effective Tax Rate23.26%25.19%26.62%25.95%25.86%26.25%

Balance sheet

Fiscal year January - December; amounts in USD.

TTMFY2025FY2024FY2023FY2022FY2021
Cash & Equivalents114.36M49.62M35.02M85.66M183.43M380.58M
Investment Securities88.67M87.47M137.30M131.28M97.66M
Trading Asset Securities2.00M607.00K
Mortgage-Backed Securities475.17M387.93M350.26M351.88M313.99M208.26M
Total Investments475.17M476.60M437.74M489.18M447.27M306.52M
Gross Loans1.50B1.52B1.02B961.47M914.68M839.74M
Allowance for Loan Losses-19.74M-19.96M-13.20M-12.87M-10.72M-10.35M
Net Loans1.48B1.50B1.01B948.60M903.97M829.38M
Property, Plant & Equipment50.98M53.26M36.83M21.87M21.45M19.84M
Goodwill24.21M24.21M5.50M5.50M5.50M5.50M
Other Intangible Assets9.40M11.10M791.00K
Loans Held for Sale2.30M31.28M
Accrued Interest Receivable77.82M26.87M15.01M16.64M7.43M5.80M
Other Receivables10.00M
Restricted Cash31.00M47.00M
Long-Term Deferred Tax Assets14.49M15.73M18.75M19.62M4.55M
Other Real Estate Owned & Foreclosed114.00K232.00K202.00K495.00K18.00K534.00K
Other Long-Term Assets34.48M37.22M17.90M17.48M25.10M25.63M
Total Assets2.27B2.24B1.62B1.61B1.62B1.61B
Interest Bearing Deposits1.01B828.72M631.03M603.28M680.46M682.30M
Institutional Deposits131.90M40.67M37.61M10.80M20.12M
Non-Interest Bearing Deposits859.71M848.99M699.40M692.77M766.55M736.58M
Total Deposits1.87B1.81B1.37B1.33B1.46B1.44B
Short-Term Borrowings80.00M
Current Portion of Leases3.63M
Accrued Interest Payable30.90M13.02M7.73M8.58M81.00K78.00K
Long-Term Debt78.24M118.87M37.07M33.05M18.62M17.28M
Long-Term Leases28.06M25.40M24.76M3.00M3.40M3.44M
Trust Preferred Securities10.31M10.31M
Pension & Post-Retirement Benefits6.35M4.14M4.01M
Other Long-Term Liabilities580.00K620.00K799.00K11.82M9.88M
Total Liabilities2.00B1.98B1.45B1.46B1.50B1.48B
Common Stock73.60M75.67M29.04M28.03M27.37M26.80M
Retained Earnings220.10M195.90M174.00M151.75M128.39M105.68M
Comprehensive Income & Other-31.26M-10.49M-25.14M-32.46M-36.76M1.60M
Shareholders' Equity262.45M261.08M177.90M147.32M119.00M134.08M
Total Liabilities & Equity2.27B2.24B1.62B1.61B1.62B1.61B
Total Debt106.30M147.90M61.83M116.06M32.33M31.03M
Net Cash (Debt)8.06M-98.28M-26.81M-30.40M153.10M350.16M
Net Cash Per Share1.14-15.08-4.49-5.1225.9062.72
Filing Date Shares Outstanding6.94M6.98M5.92M5.89M5.86M5.83M
Total Common Shares Outstanding6.94M6.96M5.90M5.87M5.85M5.82M
Book Value Per Share37.8037.5230.1425.0920.3423.05
Tangible Book Value228.83M225.76M171.61M141.81M113.50M128.58M
Tangible Book Value Per Share32.9532.4429.0724.1519.4022.10

Cash flow statement

Fiscal year January - December; amounts in USD.

TTMFY2025FY2024FY2023FY2022FY2021
Net Income29.62M28.62M29.78M26.44M21.01M
Depreciation & Amortization2.83M1.50M1.67M1.90M1.67M
Other Amortization142.00K
Gain (Loss) on Sale of Assets-5.49M-19.73M-11.00K91.00K40.00K
Gain (Loss) on Sale of Investments4.60M19.45M507.00K854.00K1.27M
Total Asset Writedown50.00K
Provision for Credit Losses6.85M1.20M2.77M1.30M1.12M
Net Decrease (Increase) in Loans Originated / Sold - Operating-473.00K4.00M29.65M-27.69M
Accrued Interest Receivable-5.29M1.69M335.00K-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-1.12M642.00K-1.68M
Operating Cash Flow21.59M30.51M38.34M56.88M-8.42M
Capital Expenditures-1.31M-678.00K-2.28M-3.02M-931.00K
Sale of Property, Plant and Equipment5.66M26.45M484.00K450.00K324.00K
Cash Acquisitions35.78M23.63M
Investment in Securities65.16M42.38M-36.89M-195.49M-132.50M
Net Decrease (Increase) in Loans Originated / Sold - Investing-33.57M-58.26M-49.76M-72.88M30.47M
Other Investing Activities-1.41M-9.00K-2.23M-305.00K-937.00K
Investing Cash Flow70.32M10.25M-90.55M-270.77M-79.81M
Long-Term Debt Issued75.78M110.00M94.43M1.34M3.40M
Long-Term Debt Repaid-20.75M-185.98M-10.31M-5.00M
Net Debt Issued (Repaid)55.03M-75.98M84.12M1.34M-1.59M
Issuance of Common Stock1.10M508.00K339.00K309.00K265.00K
Common Dividends Paid-7.72M-6.37M-5.86M-3.74M-3.08M
Net Increase (Decrease) in Deposit Accounts-141.72M37.45M-124.15M18.81M288.31M
Financing Cash Flow-93.31M-44.39M-45.56M16.72M283.90M
Net Cash Flow-1.40M-3.64M-97.77M-197.16M195.68M
Free Cash Flow20.28M29.83M36.06M53.86M-9.35M
Free Cash Flow Margin22.17%36.70%46.38%78.91%-17.15%
Free Cash Flow Per Share3.115.006.089.11-1.68
Cash Interest Paid14.29M8.57M3.63M1.25M1.13M
Cash Income Tax Paid8.60M9.65M12.26M6.90M9.19M

Ratios

Fiscal year January - December; amounts in USD.

TTMFY2025FY2024FY2023FY2022FY2021
Market Capitalization447.40M310.84M278.71M242.73M216.75M196.44M
Last Close Price64.4343.8845.1238.4133.5029.98
PE Ratio10.8210.499.748.158.209.35
PS Ratio3.923.403.433.123.173.60
PB Ratio1.701.191.571.651.821.47
P/FCF Ratio14.1015.339.346.734.02
P/OCF Ratio13.5114.409.136.333.81
Debt / Equity Ratio0.410.570.350.790.270.23
Debt / FCF Ratio7.292.073.220.60
Net Debt / Equity Ratio-0.030.380.150.21-1.29-2.61
Net Debt / FCF Ratio4.850.900.84-2.8437.45
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 Yield9.24%9.53%10.27%12.27%12.20%10.70%
FCF Yield7.09%6.52%10.70%14.86%24.85%-4.76%
Dividend Yield2.05%2.69%2.29%2.42%1.73%1.66%
Payout Ratio22.16%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%