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Financials · PLBC

Plumas Bancorp (PLBC) financials

For the twelve months ended Sep 30, 2026, Plumas Bancorp reported $114.80M of revenue and $42.08M of net income.

Revenue, TTM
$114.80M
Revenue growth, YoY
+26.3%
Net income, TTM
$42.08M
Net income growth, YoY
+59.4%
Net margin
36.7%
Free cash flow, TTM
$41.54M
EPS, diluted, TTM
$5.96
EPS growth, YoY
+39.3%
Cash
$114.36M
P/E
10.30
P/S
3.78
Market cap
$433.5M
Annual revenue$98.30M
FY2016FY2025
Annual net income$29.62M
FY2016FY2025
Annual free cash flow$20.28M
FY2016FY2025

PLBC revenue and earnings growth

PLBC revenueQ3 2026$29.33M

Quarter YoY
+6.9%
QoQ
+2.0%
FY YoY
+19.2%
5Y CAGR
+16.0%
10Y CAGR
+12.9%

PLBC revenue was $29.33M in fiscal Q3 2026 (ended Sep 30, 2026), up 6.9% from a year earlier and up 2.0% from the prior quarter. For the full fiscal 2025 it was $98.30M, up 19.2% from fiscal 2024. Compound annual growth was +16.0% over 5 years and +12.9% over 10 years. It rose in each of the last 10 fiscal years. Fiscal 2025 is the highest of the 15 fiscal years on file.

PLBC net incomeQ3 2026$11.39M

Quarter YoY
+121.3%
QoQ
+14.3%
FY YoY
+3.5%
5Y CAGR
+15.4%
10Y CAGR
+17.7%

PLBC net income was $11.39M in fiscal Q3 2026 (ended Sep 30, 2026), up 121.3% from a year earlier and up 14.3% from the prior quarter. For the full fiscal 2025 it was $29.62M, up 3.5% from fiscal 2024. Compound annual growth was +15.4% over 5 years and +17.7% over 10 years. It rose in 8 of the last 10 fiscal years.

PLBC EPSQ3 2026$1.61

Quarter YoY
+120.5%
QoQ
+14.2%
FY YoY
-5.4%
5Y CAGR
+10.4%
10Y CAGR
+14.7%

PLBC diluted EPS was $1.61 in fiscal Q3 2026 (ended Sep 30, 2026), up 120.5% from a year earlier and up 14.2% from the prior quarter. For the full fiscal 2025 it was $4.54, down 5.4% from fiscal 2024. Compound annual growth was +10.4% over 5 years and +14.7% over 10 years.

PLBC free cash flowQ3 2026$14.61M

Quarter YoY
+204.2%
QoQ
+26.5%
FY YoY
-32.0%
5Y CAGR
-2.5%
10Y CAGR
+16.0%

PLBC free cash flow was $14.61M in fiscal Q3 2026 (ended Sep 30, 2026), up 204.2% from a year earlier and up 26.5% from the prior quarter. For the full fiscal 2025 it was $20.28M, down 32.0% from fiscal 2024. Compound annual growth was -2.5% over 5 years and +16.0% over 10 years. It rose in 0 of the last 3 fiscal years.

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Income statement

Income statement
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue$98.30M$82.47M$80.52M$69.56M$55.65M$46.86M$45.69M$41.97M$36.22M$31.73M
Interest expense--$4.80M$1.25M$1.14M$1.23M$1.75M$1.24M$1.02M$1.02M
Pre-tax income$39.59M$39.00M$40.21M$35.67M$28.49M$19.95M$21.38M$19.13M$15.51M$12.23M
Income tax$9.97M$10.38M$10.44M$9.22M$7.48M$5.48M$5.87M$5.13M$7.32M$4.76M
Net income$29.62M$28.62M$29.78M$26.44M$21.01M$14.47M$15.51M$13.99M$8.19M$7.47M
EPS, basic$4.60$4.85$5.08$4.53$3.82$2.80$3.01$2.74$1.64$1.54
EPS, diluted$4.54$4.80$5.02$4.47$3.76$2.77$2.97$2.68$1.58$1.47
Diluted shares6.5M6.0M5.9M5.9M5.6M5.2M5.2M5.2M5.2M5.1M

Balance sheet

Balance sheet
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Cash and equivalents$80.62M$82.02M$85.66M$183.43M$380.58M$184.91M$46.94M$46.69M$87.54M$62.65M
Goodwill$24.21M$5.50M$5.50M$5.50M$5.50M$0----
Total assets$2.24B$1.62B$1.61B$1.62B$1.61B$1.11B$865.19M$824.40M$745.43M$657.98M
Total debt---$0$0----$2.38M
Total liabilities$1.98B$1.45B$1.46B$1.50B$1.48B$1.01B$780.69M$757.47M$689.73M$609.98M
Shareholders' equity$261.08M$177.90M$147.32M$119.00M$134.08M$100.15M$84.50M$66.93M$55.70M$47.99M

Cash flow

Cash flow
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Operating cash flow$21.59M$30.51M$38.34M$56.88M-$8.42M$24.63M$15.48M$15.64M$11.48M$8.90M
Capital expenditures$1.31M$678.0K$2.28M$3.02M$931.0K$1.61M$1.40M$3.87M$531.0K$600.0K
Free cash flow$20.28M$29.83M$36.06M$53.86M-$9.35M$23.02M$14.08M$11.77M$10.95M$8.30M
Investing cash flow$70.32M$10.25M-$90.55M-$270.77M-$79.81M-$114.40M-$36.71M-$121.87M-$66.54M-$65.75M
Financing cash flow-$93.31M-$44.39M-$45.56M$16.72M$283.90M$227.74M$21.48M$65.38M$79.95M$51.30M
Dividends paid$7.72M$6.37M$5.86M$3.74M$3.08M$1.87M$2.37M$1.84M$1.40M$489.0K
Stock-based compensation$343.0K$502.0K$322.0K$262.0K$223.0K$255.0K$224.0K$199.0K$152.0K$116.0K
Depreciation and amortization$1.53M$1.29M$1.43M$1.35M$1.18M$1.09M$1.05M$925.0K$953.0K$1.02M

Key ratios

Key ratios
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue growth, YoY19.2%2.4%15.8%25.0%18.8%2.6%8.9%15.9%14.1%8.9%
Net income growth, YoY3.5%-3.9%12.6%25.9%45.1%-6.7%10.9%70.9%9.6%28.5%
EPS growth, YoY-5.4%-4.4%12.3%18.9%35.7%-6.7%10.8%69.6%7.5%27.8%
Net margin30.1%34.7%37.0%38.0%37.8%30.9%34.0%33.3%22.6%23.6%
Free cash flow margin20.6%36.2%44.8%77.4%-16.8%49.1%30.8%28.1%30.2%26.2%
Return on equity11.3%16.1%20.2%22.2%15.7%14.5%18.4%20.9%14.7%15.6%
Return on assets1.3%1.8%1.8%1.6%1.3%1.3%1.8%1.7%1.1%1.1%
Debt to equity---0.000.00----0.05

Source: XBRL data Plumas Bancorp files with the SEC, latest filing dated Nov 4, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

PLBC peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
PLBC$114.80M+26.3%$42.08M36.7%$433.5M
ECPG$1.99B+27.2%$350.91M17.7%$2.38B
AGM$466.89M+16.1%$238.21M51.0%$1.96B
JCAP$659.62M+22.8%$155.02M23.5%$1.14B

PLBC FAQ

8 questions
  • What is PLBC revenue?
    Plumas Bancorp (PLBC) reported $114.80M of revenue for the twelve months ended Sep 30, 2026. That is up 26.3% from the year before. Revenue for fiscal 2025 was $98.30M.
  • Is PLBC profitable?
    Yes. Plumas Bancorp earned $42.08M in net income for the twelve months ended Sep 30, 2026, a net margin of 36.7%.
  • How much cash and debt does PLBC have?
    Plumas Bancorp reported $114.36M in cash and cash equivalents on its most recent balance sheet in SEC filings.
  • How fast is PLBC revenue growing?
    Plumas Bancorp's revenue changed +19.2% in fiscal 2025, to $98.30M. Its compound annual growth rate was +16.0% over 5 years and +12.9% over 10 years.
  • What is PLBC free cash flow?
    Plumas Bancorp generated $41.54M of free cash flow for the twelve months ended Sep 30, 2026, which is operating cash flow of $42.24M less capital expenditures.
  • What is PLBC earnings per share?
    Diluted earnings per share were $5.96 for the twelve months ended Sep 30, 2026, from SEC filings, restated for any stock split those filings show.
  • When did PLBC last report financial results?
    The latest statements here come from Plumas Bancorp's 10-Q filed on Nov 4, 2026, covering the period ended Sep 30, 2026.
  • Where does this PLBC financial data come from?
    Quantisnow builds these statements from the structured XBRL data Plumas Bancorp files with the SEC. It is provided for information only and is not investment advice.