Plumas Bancorp PLBC R2K

Financial Services · Banks - Regional · United States

https://www.plumasbank.com

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. The company accepts various deposits, such as checking, money market checking, business sweep, public funds sweep, savings, and retirement accounts, as well as time and remote deposits. Its loan portfolio comprises personal and commercial loans, real estate, construction, agricultural, and government-guaranteed loans; residential and home equity lines of credit; land development and construction loans; automobile loans; consumer loans; purchased credit deteriorated (PCD) and non-PCD loans; and small business administration loans. In addition, the company provides 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 and mobile deposit, electronic funds transfer, FedNow®-receive Service, and other customary banking services. Plumas Bancorp was founded in 1980 and is headquartered in Reno, Nevada.

Market & Price

Market Cap

$366.73M

Current Price

$52.63

High / Low (52W)

$53.21 / $39.21

Beta

0.61

Valuation

Stock P/E

11.15

Industry PE

12.01

Forward P/E

9.13

PEG Ratio

1.49

Book Value

$38.05

Price to Book

1.38

P/S

3.73

EV/EBITDA

Dividend Yield

2.51%

Profitability & Returns

ROCE

ROE

14.22%

ROA

1.68%

Profit Margin

32.72%

Op Margin

48.85%

EPS (Latest Qtr)

$1.38

EPS (TTM)

$4.72

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

$144.17M

Total Assets

$2.24B

Current Assets

Working Capital

Ownership

Promoter Holding

7.68%

Chg in Prom Hold

FII / Inst Holding

46.89%

Chg in FII Hold

Financial Snapshot

Enterprise Value

$474.02M

Total Revenue (TTM)

$98.41M

EBITDA

Free Cash Flow

Operating Cash Flow

$23.49M

Shares Outstanding

6.97M

Gross Margin

0.00%

Payout Ratio

26.06%

Growth (CAGR)

Revenue 5Y

10.08%

Profit 5Y

3.85%

Revenue (YoY)

32.40%

Earnings (YoY)

15.00%

PROS

Excellent profit margin of 32.7%.
Compounding revenue at 10.1% over 5 years.
Attractive dividend yield of 2.51%.
In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	PLBC Plumas Bancorp R2K	52.63	11.15	$366.73M	2.51%	-	14.22%	10.08%	3.85%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Sep 2013	Mar 2014	Jun 2014	Sep 2014	Mar 2015	Jun 2015	Sep 2015	Mar 2016	Jun 2016	Sep 2016	Mar 2017	Jun 2017	Sep 2017	Mar 2018	Jun 2018	Sep 2018	Mar 2019	Jun 2019	Sep 2019	Mar 2020	Jun 2020	Sep 2020	Mar 2021	Jun 2021	Sep 2021	Mar 2022	Jun 2022	Sep 2022	Mar 2023	Jun 2023	Sep 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	-	-	-	-	-	-	-	-	-	-	599.00K	628.00K	617.00K	640.00K	653.00K	628.00K	650.00K	670.00K	676.00K	705.00K	508.00K	547.00K	540.00K	567.00K	636.00K	566.00K	604.00K	666.00K	617.00K	694.00K	737.00K	715.00K	743.00K	766.00K	-	21.68M	20.50M	27.31M	22.93M	27.92M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	2.05M	2.45M	4.62M	4.75M	4.23M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	10.04M	8.67M	6.92M	13.97M	13.18M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	2.86M	2.35M	1.77M	3.00M	3.42M
Net Income	1.01M	942.00K	1.12M	1.33M	1.22M	1.35M	1.60M	1.57M	1.84M	1.96M	2.06M	2.54M	2.45M	3.28M	3.44M	3.70M	3.82M	3.81M	4.00M	3.32M	3.19M	3.69M	4.44M	4.49M	6.58M	5.72M	5.68M	7.23M	7.63M	6.66M	7.97M	6.25M	6.79M	7.83M	-	7.18M	6.32M	5.15M	10.97M	9.76M
Diluted EPS	0.20	0.19	0.23	0.27	0.24	0.27	0.32	0.31	0.36	0.39	0.40	0.49	0.47	0.63	0.66	0.71	0.73	0.73	0.77	0.63	0.61	0.71	0.85	0.85	1.12	0.97	0.96	1.23	1.28	1.12	1.34	1.05	1.14	1.31	-	1.20	1.05	0.73	1.56	1.38

Profit & Loss (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Revenue	-	-	-	-	-	-	-	-	2.47M	2.58M	2.69M	2.32M	-	69.28M	80.09M	62.23M	92.42M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	1.25M	4.80M	10.63M	13.88M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	35.67M	40.21M	39.00M	39.59M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	9.22M	10.44M	10.38M	9.97M
Net Income	-9.15M	971.00K	941.00K	1.95M	3.43M	4.74M	5.82M	7.47M	8.19M	13.99M	15.51M	14.47M	-	26.44M	29.78M	28.62M	29.62M
Diluted EPS	-2.05	0.06	0.05	0.26	0.75	0.95	1.15	1.47	1.58	2.68	2.97	2.77	-	4.47	5.02	4.80	4.54

Compounded Sales Growth

5 Years:	10.08%
1 Year:	32.40%

Compounded Profit Growth

5 Years:	3.85%
1 Year:	15.00%

Stock Price Performance

1 Year:	+24.27%
6 Months:	+23.17%
3 Months:	+5.31%
1 Month:	+4.13%

Balance Sheet (Annual)

Figures in USD.

Metric	Dec 2008	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Jul 2021	Dec 2021	Dec 2022	Sep 2023	Dec 2023	Dec 2024	Jul 2025	Dec 2025
Total Assets	-	-	484.48M	455.35M	477.80M	515.73M	538.86M	599.29M	657.98M	745.43M	824.40M	865.19M	1.11B	1.50B	-	1.62B	-	1.61B	1.62B	2.30B	2.24B
Current Assets	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash & Equivalents	18.79M	59.49M	64.63M	63.08M	44.67M	49.92M	45.57M	68.19M	62.65M	87.54M	46.69M	46.94M	184.91M	-	-	183.43M	-	85.66M	82.02M	-	80.62M
Inventory	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	-	-	-	-	-	-	-	-	-	28.66M	47.02M	-	-	-	-	-
Total Liabilities	-	-	446.49M	415.71M	435.95M	485.13M	502.37M	556.79M	609.98M	689.73M	757.47M	780.69M	1.01B	-	-	1.50B	-	1.46B	1.45B	-	1.98B
Current Liabilities	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Long Term Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	10.31M	-	90.00M	15.00M	-	21.01M
Total Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	10.31M	-	93.00M	39.76M	-	50.04M
Total Equity	35.44M	38.23M	37.99M	39.63M	41.85M	30.59M	36.50M	42.50M	47.99M	55.70M	66.93M	84.50M	100.15M	-	-	119.00M	147.32M	147.32M	177.90M	-	261.08M
Shares Outstanding	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	5.85M	-	5.87M	5.90M	-	6.96M

Cash Flows (Annual)

Figures in USD.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Operating Cash Flow	70.00K	10.12M	10.09M	5.80M	10.71M	-	7.23M	8.90M	11.48M	15.64M	15.48M	24.63M	-8.42M	56.88M	38.34M	30.51M	21.59M
Investing Cash Flow	-38.59M	43.54M	13.83M	-43.73M	-42.02M	-26.69M	-	-65.75M	-66.54M	-121.87M	-36.71M	-114.40M	-79.81M	-270.77M	-90.55M	10.25M	70.32M
Financing Cash Flow	79.22M	-48.52M	-25.47M	19.52M	36.56M	17.00M	53.89M	51.30M	79.95M	65.38M	21.48M	227.74M	283.90M	16.72M	-45.56M	-44.39M	-93.31M
Capital Expenditure	-253.00K	-1.21M	-271.00K	-915.00K	-352.00K	-225.00K	-2.65M	-600.00K	-531.00K	-3.87M	-1.40M	-1.61M	-931.00K	-3.02M	-2.28M	-678.00K	-1.31M
Free Cash Flow	-183.00K	8.90M	9.81M	4.89M	10.36M	-	4.58M	8.30M	10.95M	11.77M	14.08M	23.02M	-9.35M	53.86M	36.06M	29.83M	20.28M
Net Change in Cash	-	-	-	-	-	-	-	-	-	-	-	-	-	-197.16M	-97.77M	-3.64M	-1.40M

Ratios (Annual)

Figures in %.

Metric	Dec 2009	Dec 2010	Dec 2011	Dec 2012	Dec 2013	Dec 2014	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024	Dec 2025
Gross Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net Margin %	-	-	-	-	-	-	-	-	331.9%	543.2%	575.6%	623.1%	-	38.2%	37.2%	46.0%	32.0%
ROE %	-23.9%	2.6%	2.4%	4.7%	11.2%	13.0%	13.7%	15.6%	14.7%	20.9%	18.4%	14.5%	-	22.2%	20.2%	16.1%	11.3%
ROCE %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

Shareholding Pattern

Insiders

7.68%

Institutions

46.89%

Public Float

50.79%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	FMR, LLC	6.11%	425.42K	$22.39M
2	Blackrock Inc.	5.28%	367.75K	$19.35M
3	Vanguard Capital Management LLC	3.96%	275.76K	$14.51M
4	Siena Capital Partners GP, LLC	3.43%	239.01K	$12.58M
5	Manufacturers Life Insurance Co.	3.39%	235.92K	$12.42M
6	De Lisle Partners LLP	3.06%	213.19K	$11.22M
7	Geode Capital Management, LLC	2.21%	153.72K	$8.09M
8	Fourthstone LLC	2.13%	148.18K	$7.80M
9	Dimensional Fund Advisors LP	1.78%	123.75K	$6.51M
10	Caldwell Sutter Capital, Inc.	1.53%	106.28K	$5.59M

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PLBC · Financial Services

Plumas Bancorp

About

Key Facts

Sector	Financial Services
Industry	Banks - Regional
Headquarters	United States
Employees	232
Website	https://www.plumasbank.com

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Plumas Bancorp PLBC R2K

Market & Price

Valuation

Profitability & Returns

Balance Sheet & Liquidity

Ownership

Financial Snapshot

Growth (CAGR)

PROS

CONS

Price Chart

Technical Trend

Fundamental Growth

Peer comparison

Quarterly Results

Profit & Loss (Annual)

Compounded Sales Growth

Compounded Profit Growth

Stock Price Performance

Balance Sheet (Annual)

Cash Flows (Annual)

Ratios (Annual)

Shareholding Pattern

Top Institutional Holders

Analyst View

Latest News

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