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
Market Cap
$394.47M
P/E (TTM)
12.3
16.8
Dividend Yield
2.2%
52W High
$57.00
52W Low
$39.70
52W Range
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
Q1 2026 Data
Revenue
$32.36M+0.00%
4-Quarter Trend
EPS
$1.40+0.00%
4-Quarter Trend
FCF
$9.27M+0.00%
4-Quarter Trend
2025 Annual Earnings Highlights
Key Highlights
Cornerstone Acquisition Completed Acquisition finalized July 2025, boosting total assets to $2.24B and gross loans to $1.51B by year-end.
Net Income Rises Modestly Net income reached $29.6M (4% increase), despite significant $2.0M merger-related non-interest expenses recorded.
NIM Expansion Continues Average NIM improved 12 basis points to 4.91% for 2025, supported by loan yields rising to 6.30%.
Significant Loan Portfolio Growth Gross loans grew 49% to $1.51B, heavily concentrated in Commercial Real Estate (66.3% of total portfolio).
Risk Factors
Asset Quality Deterioration NPL ratio sharply increased to 1.00% by 12/31/2025, driven by a specific $9.8M agricultural loan relationship.
High CRE Concentration Risk CRE loans comprise 67% of the portfolio, increasing supervisory scrutiny and exposure to regional real estate downturns.
Merger Integration Challenges Managing expanded size and complexity post-Cornerstone acquisition poses challenges to administrative and operational resources.
Interest Rate Volatility Risk Earnings volatility persists as liabilities have shorter contractual maturities than assets, sensitive to FRB rate changes.
Outlook
Managing Post-Acquisition Scale Future success hinges on effectively managing expanded business size, complexity, and associated increased operational costs.
Maintaining Strong Capital Position Management policy focuses on keeping Bank capital ratios above prescribed "well capitalized" thresholds at all times.
Local Economic Sensitivity Financial condition remains highly dependent on local economic trends in California and Nevada, particularly real estate markets.
Technology Competitive Pressure Must invest substantially in technology to satisfy customer expectations and avoid competitive disadvantage versus larger banks.
Peer Comparison
Revenue (TTM)
$244.42M
$220.93M
$212.11M
Gross Margin (Latest Quarter)
88.0%
81.1%
75.9%
Key Metrics
Symbol | Market Cap | P/E (TTM) | ROE (TTM) | Debt to Assets |
|---|---|---|---|---|
| OBT | $492.47M | 11.1 | 16.1% | 1.3% |
| RBB | $418.99M | 10.3 | 7.9% | 6.9% |
| CZNC | $395.24M | 22.4 | 5.5% | 6.1% |
Long-Term Trends
Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
12.1%
Steady Growth
4Q Net Income CAGR
15.6%
Profitability Improved
Cash Flow Stability
100%
Strong Cash Flow
Deep Research
Financials
Earnings Calls
Reports
News
Income Statement
Balance Sheet
Cash Flow Statement
Ratios
% Chg.
Income Statement | LTM |
|---|
No Data