logo
Twitter
Discord
Email
logo
Plumas Bancorp

Plumas Bancorp

NASDAQ•PLBC
CEO: Mr. Andrew J. Ryback CPA
Sector: Financial Services
Industry: Banks - Regional
Listing Date: 2002-12-11
Plumas 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 comprises of 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. In addition, the company 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. Plumas Bancorp was founded in 1980 and is headquartered in Reno, Nevada.
Contact Information
5525 Kietzke Lane, Suite 100, Reno, NV, 89511, United States
775-786-0907
www.plumasbank.com
Market Cap
$315.50M
P/E (TTM)
10.8
15.1
Dividend Yield
2.6%
52W High
$49.47
52W Low
$38.71
52W Range
62%
Rank25Top 11.9%
5.6
F-Score
Modified Piotroski Analysis
Based on 10-year fundamentals
Average • 5.6 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2016-2025

Financial Dashboard

Q3 2025 Data

Revenue

$31.94M+33.08%
4-Quarter Trend

EPS

$0.70-47.37%
4-Quarter Trend

FCF

$4.80M-38.72%
4-Quarter Trend

2025 Q3 Earnings Highlights

Key Highlights

Acquisition Boosts Asset Scale Total assets reached $2.23B post-Cornerstone acquisition on July 1, 2025, driving total deposits up to $1.82B.
Net Interest Income Rises Nine-month NII after provision increased to $55.41M, supported by loan portfolio growth and average loan yields reaching 6.24%.
Strong Capital Ratios Maintained Bank CET1 ratio remains robust at 14.3%, significantly exceeding the 6.5% well-capitalized regulatory requirement.
Credit Quality Deterioration Noted Provisioning increased sharply to $5.37M in Q3 2025, causing the NPL ratio to rise to 1.00% from 0.40% at year-end.

Risk Factors

Surge in Non-Performing Loans Non-performing loans increased significantly to $15.03M, largely due to one major agricultural relationship placed on nonaccrual status.
Elevated Operating Expenses Nine-month non-interest expense rose $6.0M to $37.61M, heavily impacted by $1.9M in merger-related transaction costs.
CRE Portfolio Concentration Commercial real estate loans comprise 66% of the total lending portfolio, increasing exposure to regional real estate market fluctuations.
Q3 Net Income Decline Q3 Net Income fell to $5.15M from $7.83M year-over-year, primarily due to a $5.37M provision versus a recovery last year.

Outlook

Post-Merger Expense Normalization Expect non-recurring merger costs to subside, allowing core operating performance metrics to stabilize in future reporting periods.
Credit Loss Monitoring Focus Management is closely monitoring $15.03M in nonaccrual loans, particularly the large agricultural exposure requiring specific reserve allocation.
Loan Portfolio Expansion Loan portfolio grew 47% to $1.50B, driven by commercial real estate and commercial loan growth following the recent acquisition.
NIM Stability Expected Nine-month NIM improved 11 basis points to 4.87%, supported by higher loan yields despite increasing funding costs.

Peer Comparison

Revenue (TTM)

RBB BancorpRBB
$235.28M
-0.7%
FS Bancorp, Inc.FSBW
$219.50M
+13.1%
PCB BancorpPCB
$206.18M
+10.8%

Gross Margin (Latest Quarter)

Orange County Bancorp, Inc.OBT
72.3%
+16.3pp
Waterstone Financial, Inc.WSBF
71.6%
+5.5pp
Plumas BancorpPLBC
68.7%
-20.5pp

Key Metrics

Symbol
Market Cap
P/E (TTM)
ROE (TTM)
Debt to Assets
OBT$397.46M10.916.0%0.0%
RBB$367.53M14.55.1%6.9%
CZNC$329.26M12.29.5%6.5%

Long-Term Trends

Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
10.9%
Steady Growth
4Q Net Income CAGR
-12.8%
Declining Profitability
Cash Flow Stability
100%
Strong Cash Flow

Research & Insights

Next earnings:Jan 21, 2026
|
EPS:$1.37
|
Revenue:$27.39M
Reports
All Years

  • Form 10-Q - Q3 2025

    Period End: Sep 30, 2025|Filed: Nov 5, 2025|
    Revenue: $31.94M+33.1%
    |
    EPS: $0.70-47.4%
    Beat

  • Form 10-Q - Q2 2025

    Period End: Jun 30, 2025|Filed: Aug 6, 2025|
    Revenue: $22.99M-1.1%
    |
    EPS: $1.07-7.0%
    Miss

  • Form 10-Q - Q1 2025

    Period End: Mar 31, 2025|Filed: May 7, 2025|
    Revenue: $23.73M+974.8%
    |
    EPS: $1.21+14.2%
    Beat

  • Form 10-K - FY 2024

    Period End: Dec 31, 2024|Filed: Mar 19, 2025|
    Revenue: $72.86M-14.2%
    |
    EPS: $4.85-4.5%
    Beat

  • Form 10-Q - Q3 2024

    Period End: Sep 30, 2024|Filed: Nov 6, 2024|
    Revenue: $24.00M+12.9%
    |
    EPS: $1.33-2.2%
    Beat

  • Form 10-Q - Q2 2024

    Period End: Jun 30, 2024|Filed: Aug 7, 2024|
    Revenue: $23.25M+14.6%
    |
    EPS: $1.15+0.9%
    Beat

  • Form 10-Q - Q1 2024

    Period End: Mar 31, 2024|Filed: May 7, 2024|
    Revenue: $2.21M-89.8%
    |
    EPS: $1.06-18.5%
    Miss

  • Form 10-K - FY 2023

    Period End: Dec 31, 2023|Filed: Mar 20, 2024|
    Revenue: $84.89M+20.4%
    |
    EPS: $5.08+12.1%
    Beat