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

$394.47M

P/E (TTM)

12.3

16.8

Dividend Yield

2.2%

52W High

$57.00

52W Low

$39.70

52W Range

98%

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)

RBB

$244.42M

+7.0%

FSBW

$220.93M

+3.3%

PCB

$212.11M

+8.8%

Gross Margin (Latest Quarter)

PLBC

88.0%

-6.1pp

OBT

81.1%

+16.3pp

BCML

75.9%

+3.3pp

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