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

$338.59M

P/E (TTM)

11.4

14.2

Dividend Yield

2.5%

52W High

$54.58

52W Low

$38.71

52W Range

63%

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

Q4 2025 Data

Revenue

$33.33M+42.37%

4-Quarter Trend

EPS

$1.58+20.61%

4-Quarter Trend

FCF

$0.00+0.00%

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

$238.00M

+2.6%

FSBW

$217.51M

+6.8%

PCB

$209.37M

+9.1%

Gross Margin (Latest Quarter)

PLBC

84.6%

-6.1pp

OBT

78.7%

+16.3pp

WSBF

74.5%

+0.0pp

Key Metrics

Symbol	Market Cap	P/E (TTM)	ROE (TTM)	Debt to Assets
OBT	$419.72M	10.1	16.5%	1.3%
RBB	$356.67M	11.2	6.2%	7.5%
CBAN	$346.56M	12.9	9.0%	7.2%

Long-Term Trends

Last 4 Quarters

Revenue

Net Income

Operating Cash Flow

4Q Revenue CAGR

12.0%

Steady Growth

4Q Net Income CAGR

15.2%

Profitability Improved

Cash Flow Stability

75%

Volatile Cash Flow

Deep Research

Next earnings:Apr 14, 2026

EPS:-

Revenue:-

Financials

Earnings Calls

Reports

News

Income Statement

Balance Sheet

Cash Flow Statement

Ratios

% Chg.

Income Statement	LTM

No Data