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Plumas Bancorp (PLBC) Financials

Plumas Bancorp logo
$42.74 +0.75 (+1.79%)
Closing price 04:00 PM Eastern
Extended Trading
$42.70 -0.04 (-0.08%)
As of 04:44 PM Eastern
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Annual Income Statements for Plumas Bancorp

Annual Income Statements for Plumas Bancorp

This table shows Plumas Bancorp's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2022 2023 2024
Period end date 12/31/2022 12/31/2023 12/31/2024
Net Income / (Loss) Attributable to Common Shareholders		 26 30 29
Consolidated Net Income / (Loss)		 26 30 29
Net Income / (Loss) Continuing Operations		 26 30 29
Total Pre-Tax Income 		36 40 39
Total Revenue		 70 81 82
Net Interest Income / (Expense)		 59 70 74
Total Interest Income		 60 75 84
Loans and Leases Interest Income		 46 55 61
Investment Securities Interest Income		 9.13 3.68 2.57
Other Interest Income		 4.92 16 20
Total Interest Expense		 1.25 4.80 11
Deposits Interest Expense		 0.82 3.73 5.92
Short-Term Borrowings Interest Expense		 0.00 0.90 4.68
Long-Term Debt Interest Expense		 0.36 0.14 0.00
Other Interest Expense		 0.07 0.03 0.04
Total Non-Interest Income		 11 11 8.78
Other Service Charges		 0.91 0.87 0.88
Net Realized & Unrealized Capital Gains on Investments		 2.70 1.94 0.07
Other Non-Interest Income		 7.44 7.92 7.83
Provision for Credit Losses		 1.30 2.78 1.20
Total Non-Interest Expense		 33 38 42
Salaries and Employee Benefits		 17 20 22
Net Occupancy & Equipment Expense		 4.61 5.30 7.61
Other Operating Expenses		 11 12 13
Income Tax Expense		 9.23 10 10
Basic Earnings per Share		 $4.53 $5.08 $4.85
Weighted Average Basic Shares Outstanding		 5.86M 5.89M 5.92M
Diluted Earnings per Share		 $4.47 $5.02 $4.80
Weighted Average Diluted Shares Outstanding		 5.86M 5.89M 5.92M
Weighted Average Basic & Diluted Shares Outstanding		 5.86M 5.89M 5.92M
Cash Dividends to Common per Share		 $0.64 $1.00 $1.08

Quarterly Income Statements for Plumas Bancorp

This table shows Plumas Bancorp's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024
Net Income / (Loss) Attributable to Common Shareholders		 7.23 7.82 7.63 6.66 7.97 7.52 6.25 6.79 7.83 7.75
Consolidated Net Income / (Loss)		 7.23 7.82 7.63 6.66 7.97 7.52 6.25 6.79 7.83 7.75
Net Income / (Loss) Continuing Operations		 7.23 7.82 7.63 6.66 7.97 7.52 6.25 6.79 7.83 7.75
Total Pre-Tax Income 		9.77 11 10 8.93 11 10 8.38 9.29 11 11
Total Revenue		 18 20 21 19 20 20 20 21 21 21
Net Interest Income / (Expense)		 16 17 17 17 18 18 17 18 19 19
Total Interest Income		 16 18 18 18 19 20 20 21 22 21
Loans and Leases Interest Income		 12 12 13 13 14 15 15 15 16 16
Investment Securities Interest Income		 2.55 3.11 3.73 3.87 3.81 -7.72 4.40 4.53 4.48 -11
Other Interest Income		 1.77 2.33 1.37 0.97 0.96 13 1.04 1.21 1.75 16
Total Interest Expense		 0.29 0.37 0.64 0.98 1.30 1.87 2.57 2.76 2.99 2.32
Deposits Interest Expense		 0.18 0.26 0.47 0.86 1.18 1.22 1.19 1.32 1.57 1.84
Long-Term Debt Interest Expense		 0.09 0.09 0.15 0.00 0.00 -0.01 1.37 0.00 0.00 -1.37
Other Interest Expense		 0.02 0.02 0.02 0.01 0.01 -0.00 0.02 0.01 0.01 0.01
Total Non-Interest Income		 2.55 2.18 3.93 2.14 2.31 2.34 2.14 2.20 2.24 2.20
Other Service Charges		 1.34 -2.79 1.27 1.32 1.39 -3.12 1.37 1.42 1.41 -3.33
Net Realized & Unrealized Capital Gains on Investments		 0.35 0.01 1.94 0.00 0.00 0.00 0.03 0.00 0.01 0.04
Other Non-Interest Income		 0.86 4.96 0.72 0.82 0.92 5.45 0.74 0.78 0.82 5.49
Provision for Credit Losses		 0.30 0.30 1.53 1.35 -0.20 0.10 0.82 0.93 -0.40 -0.15
Total Non-Interest Expense		 8.20 8.69 9.22 9.10 9.44 9.77 10 10 11 11
Salaries and Employee Benefits		 4.38 4.75 5.07 4.87 5.11 5.27 5.37 5.28 5.48 5.61
Net Occupancy & Equipment Expense		 1.22 1.14 1.34 1.25 1.35 1.36 1.69 1.95 1.99 1.98
Other Operating Expenses		 2.60 2.79 2.82 2.98 2.98 3.14 3.34 3.16 3.36 3.06
Income Tax Expense		 2.54 2.73 2.70 2.27 2.84 2.62 2.13 2.50 2.85 2.90
Basic Earnings per Share		 $1.24 $1.34 $1.30 $1.14 $1.36 $1.28 $1.06 $1.15 $1.33 $1.31
Weighted Average Basic Shares Outstanding		 5.85M 5.86M 5.86M 5.87M 5.87M 5.89M 5.90M 5.90M 5.90M 5.92M
Diluted Earnings per Share		 $1.23 $1.31 $1.28 $1.12 $1.34 $1.28 $1.05 $1.14 $1.31 $1.30
Weighted Average Diluted Shares Outstanding		 5.85M 5.86M 5.86M 5.87M 5.87M 5.89M 5.90M 5.90M 5.90M 5.92M
Weighted Average Basic & Diluted Shares Outstanding		 5.85M 5.86M 5.86M 5.87M 5.87M 5.89M 5.90M 5.90M 5.90M 5.92M

Annual Cash Flow Statements for Plumas Bancorp

This table details how cash moves in and out of Plumas Bancorp's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2022 2023 2024
Period end date 12/31/2022 12/31/2023 12/31/2024
Net Change in Cash & Equivalents		 -197 -98 -3.64
Net Cash From Operating Activities		 57 38 31
Net Cash From Continuing Operating Activities		 57 38 31
Net Income / (Loss) Continuing Operations		 26 30 29
Consolidated Net Income / (Loss)		 26 30 29
Provision For Loan Losses		 1.30 2.78 1.25
Depreciation Expense		 1.90 1.67 1.50
Amortization Expense		 -1.51 0.19 -0.61
Non-Cash Adjustments to Reconcile Net Income		 28 2.96 -0.38
Changes in Operating Assets and Liabilities, net		 0.80 0.97 0.14
Net Cash From Investing Activities		 -271 -91 10
Net Cash From Continuing Investing Activities		 -271 -91 10
Purchase of Property, Leasehold Improvements and Equipment		 -3.02 -2.28 -0.68
Purchase of Investment Securities		 -300 -125 -179
Sale of Property, Leasehold Improvements and Equipment		 0.00 0.00 26
Sale and/or Maturity of Investments		 33 37 164
Net Cash From Financing Activities		 17 -46 -44
Net Cash From Continuing Financing Activities		 17 -46 -44
Net Change in Deposits		 19 -124 37
Issuance of Debt		 0.00 90 110
Repayment of Debt		 0.00 0.00 -185
Repurchase of Preferred Equity		 0.00 -10 0.00
Payment of Dividends		 -3.74 -5.86 -6.37
Other Financing Activities, Net		 1.65 4.77 -0.47
Cash Interest Paid		 1.25 3.63 8.57
Cash Income Taxes Paid		 6.90 12 9.66

Quarterly Cash Flow Statements for Plumas Bancorp

This table details how cash moves in and out of Plumas Bancorp's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024
Net Change in Cash & Equivalents		 16 -151 -78 -14 -1.20 -4.91 43 -18 8.11 -36
Net Cash From Operating Activities		 12 6.47 15 11 12 0.52 9.16 5.08 7.99 8.28
Net Cash From Continuing Operating Activities		 12 6.47 15 11 12 0.52 9.16 5.08 7.99 8.28
Net Income / (Loss) Continuing Operations		 7.23 7.82 7.63 6.66 7.97 7.52 6.25 6.79 7.83 7.75
Consolidated Net Income / (Loss)		 7.23 7.82 7.63 6.66 7.97 7.52 6.25 6.79 7.83 7.75
Provision For Loan Losses		 0.30 0.30 1.53 1.35 -0.20 0.10 0.82 0.93 -0.40 -0.10
Depreciation Expense		 0.50 0.49 0.39 0.39 0.44 0.45 0.45 0.27 0.41 0.36
Amortization Expense		 -0.47 0.00 0.03 -0.03 -0.07 0.26 -0.18 -0.31 -0.04 -0.09
Non-Cash Adjustments to Reconcile Net Income		 2.73 -0.38 3.66 0.09 0.51 -1.30 -0.26 0.40 -0.41 -0.12
Changes in Operating Assets and Liabilities, net		 2.16 -1.76 1.62 2.11 3.76 -6.51 2.08 -3.00 0.59 0.48
Net Cash From Investing Activities		 -36 -109 -38 -15 -15 -22 42 -21 -2.82 -7.96
Net Cash From Continuing Investing Activities		 -36 -109 -38 -15 -15 -22 42 -21 -2.82 -7.96
Purchase of Property, Leasehold Improvements and Equipment		 -0.26 -0.30 -0.96 -0.98 -0.07 -0.27 -0.19 -0.23 -0.15 -0.11
Purchase of Investment Securities		 -44 -117 -46 -23 -24 -33 -107 -34 -15 -23
Sale and/or Maturity of Investments		 7.96 8.33 8.61 8.70 8.87 11 124 13 12 15
Net Cash From Financing Activities		 40 -49 -54 -9.47 1.63 17 -8.92 -2.15 2.94 -36
Net Cash From Continuing Financing Activities		 40 -49 -54 -9.47 1.63 17 -8.92 -2.15 2.94 -36
Net Change in Deposits		 39 -53 -51 -12 7.33 -69 -34 4.90 46 20
Issuance of Debt		 - - 10 - - 80 30 - - 80
Repayment of Debt		 - - - - - - - - - -140
Payment of Dividends		 -0.94 -0.94 -1.46 -1.47 -1.47 -1.47 -1.59 -1.59 -1.59 -1.59
Other Financing Activities, Net		 2.60 5.70 -1.57 3.58 -4.23 6.99 -3.36 -5.45 3.12 5.22
Cash Interest Paid		 0.29 0.36 0.63 0.66 0.93 1.40 2.57 0.90 3.18 1.93
Cash Income Taxes Paid		 1.21 2.69 - - - 12 - - 1.74 2.78

Annual Balance Sheets for Plumas Bancorp

This table presents Plumas Bancorp's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2022 2023 2024
Period end date 12/31/2022 12/31/2023 12/31/2024
Total Assets		 1,621 1,610 1,623
Cash and Due from Banks		 183 86 82
Trading Account Securities		 447 489 438
Loans and Leases, Net of Allowance		 0.00 0.00 0.00
Premises and Equipment, Net		 18 19 12
Goodwill		 5.50 5.50 5.50
Other Assets		 967 1,011 1,085
Total Liabilities & Shareholders' Equity		 1,621 1,610 1,623
Total Liabilities		 1,502 1,463 1,445
Non-Interest Bearing Deposits		 767 693 699
Interest Bearing Deposits		 691 641 672
Short-Term Debt		 19 23 22
Long-Term Debt		 10 90 15
Other Long-Term Liabilities		 15 16 37
Commitments & Contingencies		 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 119 147 178
Total Preferred & Common Equity		 119 147 178
Preferred Stock		 0.00 0.00 0.00
Total Common Equity		 119 147 178
Common Stock		 27 28 29
Retained Earnings		 128 152 174
Accumulated Other Comprehensive Income / (Loss)		 -37 -32 -25

Quarterly Balance Sheets for Plumas Bancorp

This table presents Plumas Bancorp's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024
Period end date 9/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024
Total Assets		 1,653 1,578 1,573 1,573 1,640 1,642 1,664
Cash and Due from Banks		 334 106 92 91 128 110 118
Trading Account Securities		 384 484 469 438 447 445 457
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Premises and Equipment, Net		 18 19 19 19 13 13 13
Goodwill		 5.50 5.50 5.50 5.50 5.50 5.50 5.50
Other Assets		 62 964 987 1,019 1,046 1,069 1,071
Total Liabilities & Shareholders' Equity		 1,653 1,578 1,573 1,573 1,640 1,642 1,664
Total Liabilities		 1,547 1,450 1,444 1,453 1,479 1,477 1,482
Non-Interest Bearing Deposits		 796 742 716 737 666 671 703
Interest Bearing Deposits		 715 665 679 666 634 634 648
Short-Term Debt		 13 17 20 16 19 14 17
Long-Term Debt		 10 10 10 10 120 120 75
Other Long-Term Liabilities		 12 16 19 24 40 38 39
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 106 129 129 120 161 165 182
Total Preferred & Common Equity		 106 129 129 120 161 165 182
Total Common Equity		 106 129 129 120 161 165 182
Common Stock		 27 28 28 28 28 29 29
Retained Earnings		 122 134 139 146 156 162 168
Accumulated Other Comprehensive Income / (Loss)		 -42 -33 -38 -54 -23 -25 -15

Annual Metrics And Ratios for Plumas Bancorp

This table displays calculated financial ratios and metrics derived from Plumas Bancorp's official financial filings.

Metric 2022 2023 2024
Period end date 12/31/2022 12/31/2023 12/31/2024
Growth Metrics		 - - -
Revenue Growth		 24.99% 15.75% 2.43%
EBITDA Growth		 28.64% 16.66% -5.19%
EBIT Growth		 25.21% 12.73% -3.01%
NOPAT Growth		 25.87% 12.60% -3.89%
Net Income Growth		 25.87% 12.60% -3.89%
EPS Growth		 18.88% 12.30% -4.38%
Operating Cash Flow Growth		 775.75% -32.60% -20.42%
Free Cash Flow Firm Growth		 454.83% -305.71% 189.55%
Invested Capital Growth		 -8.50% 76.00% -17.44%
Revenue Q/Q Growth		 6.22% 0.59% 1.42%
EBITDA Q/Q Growth		 14.84% -0.44% 0.20%
EBIT Q/Q Growth		 9.69% -0.99% 1.33%
NOPAT Q/Q Growth		 9.59% -0.99% 0.81%
Net Income Q/Q Growth		 9.59% -0.99% 0.81%
EPS Q/Q Growth		 9.02% -0.59% 0.42%
Operating Cash Flow Q/Q Growth		 10.45% -13.42% 34.12%
Free Cash Flow Firm Q/Q Growth		 -15.78% -702.50% 174.41%
Invested Capital Q/Q Growth		 14.05% 78.25% -21.52%
Profitability Metrics		 - - -
EBITDA Margin		 51.84% 52.25% 48.36%
EBIT Margin		 51.28% 49.94% 47.29%
Profit (Net Income) Margin		 38.02% 36.98% 34.70%
Tax Burden Percent		 74.14% 74.05% 73.38%
Interest Burden Percent		 100.00% 100.00% 100.00%
Effective Tax Rate		 25.86% 25.95% 26.62%
Return on Invested Capital (ROIC)		 17.08% 14.59% 12.04%
ROIC Less NNEP Spread (ROIC-NNEP)		 17.08% 14.59% 12.04%
Return on Net Nonoperating Assets (RNNOA)		 3.82% 7.78% 5.56%
Return on Equity (ROE)		 20.90% 22.36% 17.60%
Cash Return on Invested Capital (CROIC)		 25.96% -40.49% 31.14%
Operating Return on Assets (OROA)		 2.21% 2.49% 2.41%
Return on Assets (ROA)		 1.63% 1.84% 1.77%
Return on Common Equity (ROCE)		 20.90% 22.36% 17.60%
Return on Equity Simple (ROE_SIMPLE)		 22.22% 20.21% 16.09%
Net Operating Profit after Tax (NOPAT)		 26 30 29
NOPAT Margin		 38.02% 36.98% 34.70%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 31.72% 31.82% 35.59%
Operating Expenses to Revenue		 46.85% 46.61% 51.26%
Earnings before Interest and Taxes (EBIT)		 36 40 39
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 36 42 40
Valuation Ratios		 - - -
Price to Book Value (P/BV)		 1.71 1.59 1.56
Price to Tangible Book Value (P/TBV)		 1.80 1.65 1.61
Price to Revenue (P/Rev)		 2.93 2.91 3.36
Price to Earnings (P/E)		 7.71 7.88 9.67
Dividend Yield		 1.84% 2.50% 2.30%
Earnings Yield		 12.97% 12.69% 10.34%
Enterprise Value to Invested Capital (EV/IC)		 0.33 1.01 1.08
Enterprise Value to Revenue (EV/Rev)		 0.71 3.25 2.81
Enterprise Value to EBITDA (EV/EBITDA)		 1.37 6.23 5.82
Enterprise Value to EBIT (EV/EBIT)		 1.39 6.52 5.95
Enterprise Value to NOPAT (EV/NOPAT)		 1.87 8.80 8.10
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.87 6.83 7.60
Enterprise Value to Free Cash Flow (EV/FCFF)		 1.23 0.00 3.13
Leverage & Solvency		 - - -
Debt to Equity		 0.24 0.77 0.21
Long-Term Debt to Equity		 0.09 0.61 0.08
Financial Leverage		 0.22 0.53 0.46
Leverage Ratio		 12.78 12.13 9.94
Compound Leverage Factor		 12.78 12.13 9.94
Debt to Total Capital		 19.56% 43.42% 17.25%
Short-Term Debt to Total Capital		 12.59% 8.85% 10.27%
Long-Term Debt to Total Capital		 6.97% 34.57% 6.98%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00%
Common Equity to Total Capital		 80.44% 56.58% 82.75%
Debt to EBITDA		 0.80 2.69 0.93
Net Debt to EBITDA		 -4.28 0.65 -1.13
Long-Term Debt to EBITDA		 0.29 2.14 0.38
Debt to NOPAT		 1.09 3.80 1.30
Net Debt to NOPAT		 -5.84 0.92 -1.57
Long-Term Debt to NOPAT		 0.39 3.02 0.52
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00%
Liquidity Ratios		 - - -
Cash Flow Metrics		 - - -
Free Cash Flow to Firm (FCFF)		 40 -83 74
Operating Cash Flow to CapEx		 1,881.74% 1,682.97% 0.00%
Free Cash Flow to Firm to Interest Expense		 32.17 -17.23 6.96
Operating Cash Flow to Interest Expense		 45.54 7.99 2.87
Operating Cash Flow Less CapEx to Interest Expense		 43.12 7.52 5.22
Efficiency Ratios		 - - -
Asset Turnover		 0.04 0.05 0.05
Fixed Asset Turnover		 4.03 4.35 5.25
Capital & Investment Metrics		 - - -
Invested Capital		 148 260 215
Invested Capital Turnover		 0.45 0.39 0.35
Increase / (Decrease) in Invested Capital		 -14 112 -45
Enterprise Value (EV)		 49 262 232
Market Capitalization		 204 235 277
Book Value per Share		 $20.34 $25.10 $30.17
Tangible Book Value per Share		 $19.40 $24.16 $29.23
Total Capital		 148 260 215
Total Debt		 29 113 37
Total Long-Term Debt		 10 90 15
Net Debt		 -154 27 -45
Capital Expenditures (CapEx)		 3.02 2.28 -25
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 29 113 37
Total Depreciation and Amortization (D&A)		 0.39 1.86 0.88
Earnings Adjustments		 - - -
Adjusted Basic Earnings per Share		 $4.53 $5.08 $4.85
Adjusted Weighted Average Basic Shares Outstanding		 5.86M 5.89M 5.92M
Adjusted Diluted Earnings per Share		 $4.47 $5.02 $4.80
Adjusted Weighted Average Diluted Shares Outstanding		 5.86M 5.89M 5.92M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 5.86M 5.89M 5.92M
Normalized Net Operating Profit after Tax (NOPAT)		 26 30 29
Normalized NOPAT Margin		 38.02% 36.98% 34.70%
Pre Tax Income Margin		 51.28% 49.94% 47.29%
Debt Service Ratios		 - - -
EBIT to Interest Expense		 28.56 8.38 3.67
NOPAT to Interest Expense		 21.17 6.21 2.69
EBIT Less CapEx to Interest Expense		 26.14 7.91 6.02
NOPAT Less CapEx to Interest Expense		 18.75 5.73 5.04
Payout Ratios		 - - -
Dividend Payout Ratio		 14.13% 19.69% 22.24%
Augmented Payout Ratio		 14.13% 19.69% 22.24%

Quarterly Metrics And Ratios for Plumas Bancorp

This table displays calculated financial ratios and metrics derived from Plumas Bancorp's official financial filings.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024
Growth Metrics		 - - - - - - - - - -
Revenue Growth		 17.48% 26.35% 34.53% 20.44% 9.75% 2.44% -7.01% 6.32% 5.26% 5.76%
EBITDA Growth		 46.72% 73.09% 46.63% 17.78% 14.00% -1.67% -19.46% -0.53% -1.11% 0.73%
EBIT Growth		 12.32% 42.59% 34.23% 16.65% 10.62% -3.83% -18.85% 3.94% -1.17% 5.04%
NOPAT Growth		 9.88% 42.07% 33.37% 17.25% 10.27% -3.81% -17.99% 1.89% -1.76% 3.05%
Net Income Growth		 9.88% 42.07% 33.37% 17.25% 10.27% -3.81% -17.99% 1.89% -1.76% 3.05%
EPS Growth		 9.82% 39.36% 31.96% 16.67% 8.94% -2.29% -17.97% 1.79% -2.24% 1.56%
Operating Cash Flow Growth		 198.69% 496.95% -35.08% -30.07% -0.34% -91.93% -38.25% -51.96% -35.65% 1,486.97%
Free Cash Flow Firm Growth		 301.83% 180.34% 43.67% -285.07% -127.22% -586.72% -2,750.74% -760.80% -1,331.53% 150.66%
Invested Capital Growth		 -15.38% -8.50% 8.72% 16.17% 12.61% 76.00% 93.16% 88.04% 87.54% -17.44%
Revenue Q/Q Growth		 13.53% 6.91% 7.89% -8.03% 3.46% -0.22% -2.05% 5.15% 2.43% 0.25%
EBITDA Q/Q Growth		 24.31% 12.52% -2.67% -13.48% 20.32% -2.94% -20.28% 6.85% 19.61% -1.14%
EBIT Q/Q Growth		 27.59% 7.92% -2.10% -13.47% 21.00% -6.18% -17.38% 10.82% 15.04% -0.28%
NOPAT Q/Q Growth		 27.25% 8.16% -2.46% -12.67% 19.67% -5.65% -16.84% 8.51% 15.38% -1.03%
Net Income Q/Q Growth		 27.25% 8.16% -2.46% -12.67% 19.67% -5.65% -16.84% 8.51% 15.38% -1.03%
EPS Q/Q Growth		 28.13% 6.50% -2.29% -12.50% 19.64% -4.48% -17.97% 8.57% 14.91% -0.76%
Operating Cash Flow Q/Q Growth		 -17.58% -48.08% 129.51% -28.78% 17.45% -95.79% 1,655.17% -44.60% 57.35% 3.72%
Free Cash Flow Firm Q/Q Growth		 866.51% -30.03% -122.59% -217.78% 45.82% -1,151.20% -32.33% 4.04% 9.90% 144.28%
Invested Capital Q/Q Growth		 -5.24% 14.05% 5.27% 2.11% -8.14% 78.25% 15.54% -0.60% -8.39% -21.52%
Profitability Metrics		 - - - - - - - - - -
EBITDA Margin		 53.68% 56.50% 50.97% 47.95% 55.76% 54.24% 44.14% 44.86% 52.39% 51.66%
EBIT Margin		 53.49% 53.99% 48.99% 46.09% 53.91% 50.69% 42.76% 45.06% 50.61% 50.35%
Profit (Net Income) Margin		 39.56% 40.03% 36.19% 34.36% 39.75% 37.59% 31.91% 32.93% 37.10% 36.62%
Tax Burden Percent		 73.97% 74.13% 73.86% 74.55% 73.73% 74.15% 74.64% 73.08% 73.29% 72.74%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 26.03% 25.87% 26.14% 25.45% 26.27% 25.85% 25.36% 26.92% 26.71% 27.26%
Return on Invested Capital (ROIC)		 18.31% 17.99% 18.15% 18.18% 23.07% 14.82% 11.05% 11.54% 14.36% 12.71%
ROIC Less NNEP Spread (ROIC-NNEP)		 18.31% 17.99% 18.15% 18.18% 23.07% 14.82% 11.05% 11.54% 14.36% 12.71%
Return on Net Nonoperating Assets (RNNOA)		 3.65% 4.02% 3.39% 3.80% 5.04% 7.90% 6.33% 6.46% 5.62% 5.87%
Return on Equity (ROE)		 21.96% 22.00% 21.54% 21.98% 28.11% 22.73% 17.38% 18.00% 19.99% 18.57%
Cash Return on Invested Capital (CROIC)		 33.71% 25.96% 10.61% 4.86% 9.95% -40.49% -51.11% -48.67% -47.37% 31.14%
Operating Return on Assets (OROA)		 2.17% 2.32% 2.30% 2.26% 2.68% 2.53% 2.10% 2.25% 2.54% 2.57%
Return on Assets (ROA)		 1.61% 1.72% 1.70% 1.68% 1.97% 1.87% 1.57% 1.64% 1.86% 1.87%
Return on Common Equity (ROCE)		 21.96% 22.00% 21.54% 21.98% 28.11% 22.73% 17.38% 18.00% 19.99% 18.57%
Return on Equity Simple (ROE_SIMPLE)		 22.67% 0.00% 22.01% 22.82% 25.08% 0.00% 17.59% 17.27% 15.60% 0.00%
Net Operating Profit after Tax (NOPAT)		 7.23 7.82 7.63 6.66 7.97 7.52 6.25 6.79 7.83 7.75
NOPAT Margin		 39.56% 40.03% 36.19% 34.36% 39.75% 37.59% 31.91% 32.93% 37.10% 36.62%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 30.65% 30.17% 30.40% 31.57% 32.25% 33.14% 36.01% 35.09% 35.39% 35.88%
Operating Expenses to Revenue		 44.87% 44.47% 43.77% 46.94% 47.09% 48.81% 53.05% 50.45% 51.28% 50.36%
Earnings before Interest and Taxes (EBIT)		 9.77 11 10 8.93 11 10 8.38 9.29 11 11
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 9.81 11 11 9.29 11 11 8.65 9.24 11 11
Valuation Ratios		 - - - - - - - - - -
Price to Book Value (P/BV)		 1.48 1.71 1.49 1.57 1.61 1.59 1.32 1.28 1.31 1.56
Price to Tangible Book Value (P/TBV)		 1.56 1.80 1.55 1.64 1.69 1.65 1.37 1.32 1.35 1.61
Price to Revenue (P/Rev)		 2.40 2.93 2.55 2.58 2.42 2.91 2.71 2.63 2.94 3.36
Price to Earnings (P/E)		 6.52 7.71 6.75 6.89 6.43 7.88 7.53 7.39 8.41 9.67
Dividend Yield		 2.30% 1.84% 2.23% 2.38% 2.76% 2.50% 2.81% 2.91% 2.62% 2.30%
Earnings Yield		 15.34% 12.97% 14.81% 14.52% 15.55% 12.69% 13.28% 13.53% 11.89% 10.34%
Enterprise Value to Invested Capital (EV/IC)		 0.00 0.33 0.72 0.89 0.88 1.01 0.75 0.79 0.78 1.08
Enterprise Value to Revenue (EV/Rev)		 0.00 0.71 1.50 1.80 1.61 3.25 2.85 2.93 2.62 2.81
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 1.37 2.85 3.44 3.05 6.23 5.63 5.88 5.35 5.82
Enterprise Value to EBIT (EV/EBIT)		 0.00 1.39 2.94 3.56 3.18 6.52 5.88 6.08 5.53 5.95
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 1.87 3.97 4.80 4.29 8.80 7.92 8.23 7.50 8.10
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.00 0.87 2.31 3.18 2.91 6.83 6.89 8.64 9.36 7.60
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 1.23 7.11 19.56 9.40 0.00 0.00 0.00 0.00 3.13
Leverage & Solvency		 - - - - - - - - - -
Debt to Equity		 0.22 0.24 0.21 0.24 0.22 0.77 0.86 0.81 0.51 0.21
Long-Term Debt to Equity		 0.10 0.09 0.08 0.08 0.08 0.61 0.74 0.73 0.41 0.08
Financial Leverage		 0.20 0.22 0.19 0.21 0.22 0.53 0.57 0.56 0.39 0.46
Leverage Ratio		 13.66 12.78 12.71 13.05 14.25 12.13 11.09 10.95 10.72 9.94
Compound Leverage Factor		 13.66 12.78 12.71 13.05 14.25 12.13 11.09 10.95 10.72 9.94
Debt to Total Capital		 17.94% 19.56% 17.28% 19.16% 17.90% 43.42% 46.32% 44.77% 33.58% 17.25%
Short-Term Debt to Total Capital		 9.99% 12.59% 10.86% 12.87% 11.05% 8.85% 6.43% 4.64% 6.20% 10.27%
Long-Term Debt to Total Capital		 7.95% 6.97% 6.42% 6.29% 6.85% 34.57% 39.89% 40.13% 27.38% 6.98%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 82.06% 80.44% 82.72% 80.84% 82.10% 56.58% 53.68% 55.23% 66.42% 82.75%
Debt to EBITDA		 0.74 0.80 0.68 0.75 0.62 2.69 3.49 3.35 2.31 0.93
Net Debt to EBITDA		 -9.90 -4.28 -2.00 -1.50 -1.52 0.65 0.28 0.60 -0.65 -1.13
Long-Term Debt to EBITDA		 0.33 0.29 0.25 0.24 0.24 2.14 3.00 3.01 1.88 0.38
Debt to NOPAT		 0.96 1.09 0.95 1.04 0.87 3.80 4.91 4.69 3.24 1.30
Net Debt to NOPAT		 -12.88 -5.84 -2.78 -2.09 -2.14 0.92 0.39 0.84 -0.91 -1.57
Long-Term Debt to NOPAT		 0.43 0.39 0.35 0.34 0.33 3.02 4.22 4.21 2.64 0.52
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 31 22 -4.87 -15 -8.39 -105 -139 -133 -120 53
Operating Cash Flow to CapEx		 4,808.11% 2,133.66% 1,552.09% 1,079.37% 17,730.00% 191.21% 0.00% 2,206.96% 5,360.40% 7,670.37%
Free Cash Flow to Firm to Interest Expense		 106.60 58.10 -7.63 -15.73 -6.44 -56.01 -54.04 -48.35 -40.12 22.93
Operating Cash Flow to Interest Expense		 43.09 17.43 23.26 10.74 9.52 0.28 3.57 1.84 2.67 3.57
Operating Cash Flow Less CapEx to Interest Expense		 42.19 16.61 21.76 9.74 9.47 0.13 13.49 1.76 2.62 3.53
Efficiency Ratios		 - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.05
Fixed Asset Turnover		 3.84 4.03 4.06 4.16 4.30 4.35 4.99 4.98 5.12 5.25
Capital & Investment Metrics		 - - - - - - - - - -
Invested Capital		 130 148 156 159 146 260 301 299 274 215
Invested Capital Turnover		 0.46 0.45 0.50 0.53 0.58 0.39 0.35 0.35 0.39 0.35
Increase / (Decrease) in Invested Capital		 -24 -14 12 22 16 112 145 140 128 -45
Enterprise Value (EV)		 -154 49 113 141 129 262 225 235 213 232
Market Capitalization		 157 204 191 202 193 235 214 211 239 277
Book Value per Share		 $18.21 $20.34 $21.98 $21.92 $20.44 $25.10 $27.40 $28.01 $30.86 $30.17
Tangible Book Value per Share		 $17.27 $19.40 $21.05 $20.99 $19.51 $24.16 $26.46 $27.08 $29.93 $29.23
Total Capital		 130 148 156 159 146 260 301 299 274 215
Total Debt		 23 29 27 30 26 113 139 134 92 37
Total Long-Term Debt		 10 10 10 10 10 90 120 120 75 15
Net Debt		 -311 -154 -79 -61 -64 27 11 24 -26 -45
Capital Expenditures (CapEx)		 0.26 0.30 0.96 0.98 0.07 0.27 -25 0.23 0.15 0.11
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 23 29 27 30 26 113 139 134 92 37
Total Depreciation and Amortization (D&A)		 0.04 0.49 0.42 0.36 0.37 0.71 0.27 -0.04 0.37 0.28
Earnings Adjustments		 - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.24 $1.34 $1.30 $1.14 $1.36 $1.28 $1.06 $1.15 $1.33 $1.31
Adjusted Weighted Average Basic Shares Outstanding		 5.85M 5.86M 5.86M 5.87M 5.87M 5.89M 5.90M 5.90M 5.90M 5.92M
Adjusted Diluted Earnings per Share		 $1.23 $1.31 $1.28 $1.12 $1.34 $1.28 $1.05 $1.14 $1.31 $1.30
Adjusted Weighted Average Diluted Shares Outstanding		 5.85M 5.86M 5.86M 5.87M 5.87M 5.89M 5.90M 5.90M 5.90M 5.92M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 5.85M 5.86M 5.86M 5.87M 5.87M 5.89M 5.90M 5.90M 5.90M 5.92M
Normalized Net Operating Profit after Tax (NOPAT)		 7.23 7.82 7.63 6.66 7.97 7.52 6.25 6.79 7.83 7.75
Normalized NOPAT Margin		 39.56% 40.03% 36.19% 34.36% 39.75% 37.59% 31.91% 32.93% 37.10% 36.62%
Pre Tax Income Margin		 53.49% 53.99% 48.99% 46.09% 53.91% 50.69% 42.76% 45.06% 50.61% 50.35%
Debt Service Ratios		 - - - - - - - - - -
EBIT to Interest Expense		 33.81 28.43 16.18 9.08 8.30 5.41 3.26 3.37 3.57 4.60
NOPAT to Interest Expense		 25.01 21.07 11.95 6.77 6.12 4.01 2.43 2.46 2.62 3.34
EBIT Less CapEx to Interest Expense		 32.92 27.61 14.69 8.08 8.24 5.27 13.19 3.29 3.52 4.55
NOPAT Less CapEx to Interest Expense		 24.11 20.26 10.45 5.77 6.06 3.87 12.36 2.38 2.57 3.30
Payout Ratios		 - - - - - - - - - -
Dividend Payout Ratio		 14.99% 14.13% 15.05% 16.36% 17.72% 19.69% 21.08% 21.43% 21.98% 22.24%
Augmented Payout Ratio		 14.99% 14.13% 15.05% 16.36% 17.72% 19.69% 21.08% 21.43% 21.98% 22.24%

Financials Breakdown Chart

Key Financial Trends

Plumas Bancorp (NASDAQ: PLBC) has demonstrated steady financial performance over the last four years, with detailed data available through quarterly income statements, cash flow statements, and balance sheets.

Positive trends and highlights include:

  • Consistent net income growth over the past four years, culminating in Q4 2024 net income of approximately $7.75 million.
  • Stable and strong net interest income, with Q4 2024 reporting roughly $18.96 million, indicating effective interest income management despite some volatility in investment securities income.
  • Increasing dividends paid per common share, with a recent quarterly dividend of $0.27 per share, reflecting a shareholder-friendly approach.
  • Relatively stable total assets around $1.6 billion, with large holdings in trading account securities ($447-$457 million) and sizable cash balances, supporting liquidity.
  • Positive net cash from operating activities in recent quarters, including $8.28 million in Q4 2024 and previous quarterly positive results, suggesting good operational cash generation.
  • Moderate and managed provision for credit losses, with relatively low or negative provisions in many quarters, signaling controlled credit risk.
  • Improved pre-tax income consistency, ranging around $9 million to $11 million quarterly in 2024, indicating earnings stability.

Neutral observations that bear monitoring:

  • Significant investments in securities and fluctuating gains/losses from investment securities, including large negative interest income from investment securities in some quarters (e.g., Q4 2024), which partially offset interest income from loans and leases.
  • Use of long-term and short-term debt funding, with sizeable financing activities including issuances and repayments; the impact on leverage and interest expense requires monitoring, though interest expense remains moderate relative to income.
  • Accumulated other comprehensive income/loss showing negative balances on the balance sheet, which could reflect unrealized losses on securities or other comprehensive income items.

Potential negative factors to consider:

  • Decrease in net cash from investing activities caused by substantial purchases of investment securities outweighing sales in several quarters (e.g., -$79.6 million in Q4 2024), leading to large negative changes in cash and equivalents.
  • Fluctuations in other non-interest income and expense, sometimes showing offsetting negative figures, which could affect overall non-interest income stability (e.g., negative other service charges in Q4 2024).
  • Shares outstanding have remained consistent, but overall diluted EPS growth has been modest, indicating limited earnings per share improvement despite increasing net income.

Summary: Over the analyzed period, Plumas Bancorp has maintained steady profitability with sound net interest income and careful expense management. The company is investment-heavy, with significant securities holdings influencing income and cash flows, requiring attentive risk management. Operating cash flow remains positive, supporting operational strength. The consistent dividend payout is a positive signal for income-focused investors. However, large investment activity and fluctuations in non-interest income components introduce some variability. Overall, the bank appears stable with moderate growth and manageable risks based on recent financial trends.

10/14/25 05:02 PM ETAI Generated. May Contain Errors.

Frequently Asked Questions About Plumas Bancorp's Financials

When does Plumas Bancorp's fiscal year end?

According to the most recent income statement we have on file, Plumas Bancorp's financial year ends in December. Their financial year 2024 ended on December 31, 2024.

How has Plumas Bancorp's net income changed over the last 2 years?

Plumas Bancorp's net income appears to be on an upward trend, with a most recent value of $28.62 million in 2024, rising from $26.44 million in 2022. The previous period was $29.78 million in 2023. View Plumas Bancorp's forecast to see where analysts expect Plumas Bancorp to go next.

How has Plumas Bancorp's revenue changed over the last 2 years?

Over the last 2 years, Plumas Bancorp's total revenue changed from $69.56 million in 2022 to $82.47 million in 2024, a change of 18.6%.

How much debt does Plumas Bancorp have?

Plumas Bancorp's total liabilities were at $1.45 billion at the end of 2024, a 1.2% decrease from 2023, and a 3.8% decrease since 2022.

How much cash does Plumas Bancorp have?

In the past 2 years, Plumas Bancorp's cash and equivalents has ranged from $82.02 million in 2024 to $183.43 million in 2022, and is currently $82.02 million as of their latest financial filing in 2024.

How has Plumas Bancorp's book value per share changed over the last 2 years?

Over the last 2 years, Plumas Bancorp's book value per share changed from 20.34 in 2022 to 30.17 in 2024, a change of 48.3%.


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This page (NASDAQ:PLBC) was last updated on 10/14/2025 by MarketBeat.com Staff
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