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Plumas Bancorp (PLBC) Financials

Plumas Bancorp logo
$61.76 -0.78 (-1.25%)
Closing price 04:00 PM Eastern
Extended Trading
$61.84 +0.08 (+0.12%)
As of 04:51 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more.
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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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 5.82 7.47 8.19 14 16 14 21 26 30 29 30
Consolidated Net Income / (Loss)		 5.82 7.47 8.19 14 16 14 21 26 30 29 30
Net Income / (Loss) Continuing Operations		 5.82 7.47 8.19 14 16 14 21 26 30 29 30
Total Pre-Tax Income 		9.54 12 16 19 21 20 28 36 40 39 40
Total Revenue		 29 32 36 42 46 47 56 70 81 82 98
Net Interest Income / (Expense)		 21 24 28 33 38 38 47 59 70 74 88
Total Interest Income		 23 25 29 34 39 40 48 60 75 84 102
Loans and Leases Interest Income		 21 23 26 30 34 36 43 46 55 61 79
Investment Securities Interest Income		 1.69 0.52 0.69 3.95 4.40 3.43 1.67 9.13 15 18 19
Other Interest Income		 0.17 1.66 2.47 0.61 0.63 0.21 3.09 4.92 4.39 4.99 3.28
Total Interest Expense		 1.20 1.02 1.02 1.24 1.75 1.23 1.14 1.25 4.80 11 14
Deposits Interest Expense		 0.52 0.54 0.58 0.72 1.20 0.83 0.78 0.82 3.73 5.92 12
Short-Term Borrowings Interest Expense		 - - - - - - - 0.00 0.90 4.68 1.06
Long-Term Debt Interest Expense		 0.68 0.48 0.43 0.51 0.53 0.39 0.35 0.36 0.14 0.00 0.00
Other Interest Expense		 0.01 0.01 0.01 0.01 0.02 0.01 0.01 0.07 0.03 0.04 0.78
Total Non-Interest Income		 7.72 7.65 8.28 8.88 8.14 8.46 8.72 11 11 8.78 11
Other Service Charges		 5.41 3.83 4.07 3.68 4.45 4.21 1.06 0.91 2.57 0.88 2.36
Net Realized & Unrealized Capital Gains on Investments		 1.96 1.74 1.88 1.90 0.98 1.34 0.80 2.70 0.23 0.07 -0.27
Other Non-Interest Income		 0.34 2.08 2.33 3.30 2.70 2.91 6.86 7.44 7.92 7.83 8.44
Provision for Credit Losses		 1.10 0.80 0.60 1.00 1.50 3.18 1.13 1.30 2.78 1.20 6.85
Total Non-Interest Expense		 18 19 20 22 23 24 26 33 38 42 52
Salaries and Employee Benefits		 10 10 12 12 13 13 13 17 20 22 26
Net Occupancy & Equipment Expense		 2.78 2.85 2.84 2.96 3.31 3.36 3.98 4.61 5.30 7.61 9.15
Other Operating Expenses		 5.43 5.41 5.77 6.74 6.49 7.09 9.26 11 12 13 17
Income Tax Expense		 3.72 4.76 7.32 5.13 5.87 5.48 7.48 9.23 10 10 9.98
Basic Earnings per Share		 $1.21 $1.54 $1.64 $2.74 $3.01 $2.80 $3.82 $4.53 $5.08 $4.85 $4.60
Weighted Average Basic Shares Outstanding		 4.82M 4.86M 5.01M 5.15M 5.18M 5.19M 5.83M 5.86M 5.89M 5.92M 6.98M
Diluted Earnings per Share		 $1.15 $1.47 $1.58 $2.68 $2.97 $2.77 $3.76 $4.47 $5.02 $4.80 $4.54
Weighted Average Diluted Shares Outstanding		 4.82M 4.86M 5.01M 5.15M 5.18M 5.19M 5.83M 5.86M 5.89M 5.92M 6.98M
Weighted Average Basic & Diluted Shares Outstanding		 4.82M 4.86M 5.01M 5.15M 5.18M 5.19M 5.83M 5.86M 5.89M 5.92M 6.98M
Cash Dividends to Common per Share		 $0.00 $0.10 $0.28 $0.36 $0.46 $0.36 $0.56 $0.64 $1.00 $1.08 $1.20

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 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026
Net Income / (Loss) Attributable to Common Shareholders		 7.52 6.25 6.79 7.83 7.75 7.18 6.32 5.15 11 9.76 9.96
Consolidated Net Income / (Loss)		 7.52 6.25 6.79 7.83 7.75 7.18 6.32 5.15 11 9.76 9.96
Net Income / (Loss) Continuing Operations		 7.52 6.25 6.79 7.83 7.75 7.18 6.32 5.15 11 9.76 9.96
Total Pre-Tax Income 		10 8.38 9.29 11 11 10 8.67 6.92 14 13 14
Total Revenue		 20 20 21 21 21 22 21 27 29 28 29
Net Interest Income / (Expense)		 18 17 18 19 19 19 18 25 26 25 26
Total Interest Income		 20 20 21 22 21 21 21 30 31 29 30
Loans and Leases Interest Income		 15 15 15 16 16 15 16 24 24 24 25
Investment Securities Interest Income		 -7.72 4.40 4.53 4.48 -11 4.51 4.50 4.93 5.55 5.00 4.99
Other Interest Income		 13 1.04 1.21 1.75 16 0.68 0.52 1.23 0.85 0.41 0.60
Total Interest Expense		 1.87 2.57 2.76 2.99 2.32 2.05 2.45 4.62 4.75 4.23 4.35
Deposits Interest Expense		 1.22 1.19 1.32 1.57 1.84 1.90 2.28 3.88 3.98 3.59 3.90
Short-Term Borrowings Interest Expense		 - 1.37 1.43 1.41 - 0.15 0.15 0.42 0.35 0.20 0.18
Other Interest Expense		 -0.00 0.02 0.01 0.01 0.01 0.01 0.02 0.32 0.43 0.44 0.27
Total Non-Interest Income		 2.34 2.14 2.20 2.24 2.20 3.21 2.36 2.25 2.70 3.00 2.75
Other Service Charges		 -3.12 1.37 1.42 1.41 -3.33 1.82 0.80 1.71 -3.45 1.38 1.06
Other Non-Interest Income		 5.45 0.74 0.78 0.82 5.49 1.40 1.57 0.91 6.05 1.62 1.69
Provision for Credit Losses		 0.10 0.82 0.93 -0.40 -0.15 0.25 0.86 5.37 0.37 -0.33 0.60
Total Non-Interest Expense		 9.77 10 10 11 11 11 11 15 14 15 15
Salaries and Employee Benefits		 5.27 5.37 5.28 5.48 5.61 5.88 5.55 7.42 7.17 7.73 7.52
Net Occupancy & Equipment Expense		 1.36 1.69 1.95 1.99 1.98 2.01 2.05 2.47 2.62 2.67 2.65
Other Operating Expenses		 3.14 3.34 3.16 3.36 3.06 3.57 3.41 5.25 4.46 4.88 4.34
Income Tax Expense		 2.62 2.13 2.50 2.85 2.90 2.86 2.35 1.77 3.00 3.42 3.70
Basic Earnings per Share		 $1.28 $1.06 $1.15 $1.33 $1.31 $1.21 $1.07 $0.74 $1.58 $1.40 $1.43
Weighted Average Basic Shares Outstanding		 5.89M 5.90M 5.90M 5.90M 5.92M 5.93M 6.95M 6.96M 6.98M 6.97M 6.96M
Diluted Earnings per Share		 $1.28 $1.05 $1.14 $1.31 $1.30 $1.20 $1.05 $0.73 $1.56 $1.38 $1.41
Weighted Average Diluted Shares Outstanding		 5.89M 5.90M 5.90M 5.90M 5.92M 5.93M 6.95M 6.96M 6.98M 6.97M 6.96M
Weighted Average Basic & Diluted Shares Outstanding		 5.89M 5.90M 5.90M 5.90M 5.92M 5.93M 6.95M 6.96M 6.98M 6.97M 6.96M

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 23 -5.55 25 -41 0.26 138 196 -197 -98 -3.64 -1.40
Net Cash From Operating Activities		 7.23 8.90 11 16 15 25 -8.42 57 38 31 22
Net Cash From Continuing Operating Activities		 7.23 8.90 11 16 15 25 -8.42 57 38 31 22
Net Income / (Loss) Continuing Operations		 5.82 7.47 8.19 14 16 14 21 26 30 29 30
Consolidated Net Income / (Loss)		 5.82 7.47 8.19 14 16 14 21 26 30 29 30
Provision For Loan Losses		 1.18 0.84 0.72 0.16 1.54 3.18 1.16 1.30 2.78 1.25 6.85
Depreciation Expense		 1.15 1.08 1.03 1.04 1.39 1.42 1.67 1.90 1.67 1.50 2.84
Amortization Expense		 0.16 0.16 -0.14 -0.89 0.12 3.30 -2.13 -1.51 0.19 -0.61 -2.31
Non-Cash Adjustments to Reconcile Net Income		 -0.32 -2.36 3.53 1.89 -2.49 3.99 -30 28 2.96 -0.38 -8.21
Changes in Operating Assets and Liabilities, net		 -0.76 1.71 -1.85 -0.55 -0.59 -1.74 -0.19 0.80 0.97 0.14 -7.19
Net Cash From Investing Activities		 -38 -66 -67 -122 -37 -114 -80 -271 -91 10 70
Net Cash From Continuing Investing Activities		 -38 -66 -67 -122 -37 -114 -80 -271 -91 10 70
Purchase of Property, Leasehold Improvements and Equipment		 -2.65 -0.60 -0.53 -3.87 -1.40 -1.61 -0.93 -3.02 -2.28 -0.68 -1.31
Purchase of Investment Securities		 -67 -100 -89 -139 -82 -159 -167 -300 -125 -179 -122
Sale and/or Maturity of Investments		 31 35 23 20 46 44 64 33 37 164 194
Net Cash From Financing Activities		 54 51 80 65 21 228 284 17 -46 -44 -93
Net Cash From Continuing Financing Activities		 54 51 80 65 21 228 284 17 -46 -44 -93
Net Change in Deposits		 59 55 80 64 21 227 288 19 -124 37 -142
Issuance of Debt		 - - - 0.00 0.00 10 0.00 0.00 90 110 0.00
Repayment of Debt		 -7.63 -2.50 -2.38 0.00 0.00 -5.00 -5.00 0.00 0.00 -185 -21
Repurchase of Preferred Equity		 - - - - - - 0.00 0.00 -10 0.00 0.00
Payment of Dividends		 0.00 -0.49 -1.40 -1.84 -2.37 -1.87 -3.08 -3.74 -5.86 -6.37 -7.72
Other Financing Activities, Net		 2.13 0.08 3.42 3.31 3.10 -2.05 3.67 1.65 4.77 -0.47 77
Cash Interest Paid		 1.17 1.02 1.01 1.21 1.74 1.26 1.13 1.25 3.63 8.57 14
Cash Income Taxes Paid		 4.41 5.21 7.18 4.51 6.02 6.77 9.19 6.90 12 9.66 8.60

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 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026
Net Change in Cash & Equivalents		 -4.91 43 -18 8.11 -36 5.31 -8.06 8.01 -6.66 -18 73
Net Cash From Operating Activities		 0.52 9.16 5.08 7.99 8.28 7.50 2.07 5.60 6.42 9.41 12
Net Cash From Continuing Operating Activities		 0.52 9.16 5.08 7.99 8.28 7.50 2.07 5.60 6.42 9.41 12
Net Income / (Loss) Continuing Operations		 7.52 6.25 6.79 7.83 7.75 7.18 6.32 5.15 11 9.76 9.96
Consolidated Net Income / (Loss)		 7.52 6.25 6.79 7.83 7.75 7.18 6.32 5.15 11 9.76 9.96
Provision For Loan Losses		 0.10 0.82 0.93 -0.40 -0.10 0.25 0.86 5.40 0.34 -0.33 0.60
Depreciation Expense		 0.45 0.45 0.27 0.41 0.36 0.36 0.36 1.06 1.05 0.45 0.45
Amortization Expense		 0.26 -0.18 -0.31 -0.04 -0.09 -0.21 -0.13 -0.33 -1.65 0.01 0.79
Non-Cash Adjustments to Reconcile Net Income		 -1.30 -0.26 0.40 -0.41 -0.12 -0.01 -0.01 -1.67 -6.45 -0.79 -1.52
Changes in Operating Assets and Liabilities, net		 -6.51 2.08 -3.00 0.59 0.48 -0.06 -5.34 -4.01 2.15 0.30 1.40
Net Cash From Investing Activities		 -22 42 -21 -2.82 -7.96 0.63 1.42 68 0.53 14 -6.10
Net Cash From Continuing Investing Activities		 -22 42 -21 -2.82 -7.96 0.63 1.42 68 0.53 14 -6.10
Purchase of Property, Leasehold Improvements and Equipment		 -0.27 -0.19 -0.23 -0.15 -0.11 -0.17 -0.03 -0.80 -0.31 -0.14 -0.13
Purchase of Investment Securities		 -33 -107 -34 -15 -23 -9.23 -9.96 -31 -72 1.78 -17
Sale of Property, Leasehold Improvements and Equipment		 - 26 - - - 0.15 - - - 0.02 0.02
Sale and/or Maturity of Investments		 11 124 13 12 15 9.88 11 99 73 12 11
Net Cash From Financing Activities		 17 -8.92 -2.15 2.94 -36 -2.82 -12 -65 -14 -41 67
Net Cash From Continuing Financing Activities		 17 -8.92 -2.15 2.94 -36 -2.82 -12 -65 -14 -41 67
Net Change in Deposits		 -69 -34 4.90 46 20 1.96 -6.23 -128 -9.93 -35 110
Repurchase of Common Equity		 - - - - - 0.00 - - - -2.03 -0.76
Payment of Dividends		 -1.47 -1.59 -1.59 -1.59 -1.59 -1.77 -1.78 -2.08 -2.09 -2.31 -2.30
Other Financing Activities, Net		 6.99 -3.36 -5.45 3.12 5.22 -3.01 -3.54 79 4.16 2.97 -40
Cash Interest Paid		 1.40 2.57 0.90 3.18 1.93 2.46 2.31 5.01 4.51 4.37 4.16

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 599 658 745 824 865 1,112 1,614 1,621 1,610 1,623 2,239
Cash and Due from Banks		 68 63 88 47 47 185 381 183 86 82 81
Trading Account Securities		 97 102 137 172 159 180 337 447 489 438 477
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1,005 1,496
Allowance for Loan and Lease Losses		 - - - - - - - - - -1,005 -1,496
Premises and Equipment, Net		 12 12 11 14 15 14 16 18 19 12 24
Goodwill		 - - - - - 0.00 5.50 5.50 5.50 5.50 24
Intangible Assets		 - - - - - - - - - 0.79 11
Other Assets		 25 25 27 29 28 32 874 967 1,011 79 126
Total Liabilities & Shareholders' Equity		 599 658 745 824 865 1,112 1,614 1,621 1,610 1,623 2,239
Total Liabilities		 557 610 690 757 781 1,011 1,480 1,502 1,463 1,445 1,977
Non-Interest Bearing Deposits		 209 237 282 304 332 517 737 767 693 699 849
Interest Bearing Deposits		 318 346 380 423 416 457 702 691 641 672 961
Short-Term Debt		 7.67 7.55 10 13 16 14 17 19 23 22 98
Long-Term Debt		 15 13 10 10 10 15 10 10 90 15 21
Other Long-Term Liabilities		 6.66 7.40 6.69 7.53 7.04 8.26 13 15 16 37 49
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 42 48 56 67 85 100 134 119 147 178 261
Total Preferred & Common Equity		 42 48 56 67 85 100 134 119 147 178 261
Total Common Equity		 42 48 56 67 85 100 134 119 147 178 261
Common Stock		 6.48 5.92 6.42 6.94 7.31 7.66 27 27 28 29 76
Retained Earnings		 36 43 50 62 75 88 106 128 152 174 196
Accumulated Other Comprehensive Income / (Loss)		 -0.04 -0.97 -0.57 -2.02 2.05 4.75 1.60 -37 -32 -25 -10

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 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026 Q2 2026
Period end date 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026 6/30/2026
Total Assets		 1,578 1,573 1,573 1,640 1,642 1,664 1,633 1,629 2,229 2,200 2,278
Cash and Due from Banks		 106 92 91 128 110 118 87 79 87 63 136
Trading Account Securities		 484 469 438 447 445 457 447 440 485 470 466
Loans and Leases, Net of Allowance		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1,007 0.00 1,486 1,496
Allowance for Loan and Lease Losses		 - - - - - - - -1,007 - -1,486 -1,496
Premises and Equipment, Net		 19 19 19 13 13 13 12 12 25 24 24
Goodwill		 5.50 5.50 5.50 5.50 5.50 5.50 5.50 5.50 24 24 24
Intangible Assets		 - - - - - - - - - 11 9.95
Other Assets		 964 987 1,019 1,046 1,069 1,071 1,081 85 128 122 122
Total Liabilities & Shareholders' Equity		 1,578 1,573 1,573 1,640 1,642 1,664 1,633 1,629 2,229 2,200 2,278
Total Liabilities		 1,450 1,444 1,453 1,479 1,477 1,482 1,446 1,435 1,983 1,935 2,006
Non-Interest Bearing Deposits		 742 716 737 666 671 703 676 668 862 828 864
Interest Bearing Deposits		 665 679 666 634 634 648 697 699 957 947 1,021
Short-Term Debt		 17 20 16 19 14 17 19 15 94 99 59
Long-Term Debt		 10 10 10 120 120 75 15 15 27 16 16
Other Long-Term Liabilities		 16 19 24 40 38 39 39 39 43 44 45
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 129 129 120 161 165 182 188 193 246 265 272
Total Preferred & Common Equity		 129 129 120 161 165 182 188 193 246 265 272
Total Common Equity		 129 129 120 161 165 182 188 193 246 265 272
Common Stock		 28 28 28 28 29 29 29 30 75 75 75
Retained Earnings		 134 139 146 156 162 168 179 184 187 203 211
Accumulated Other Comprehensive Income / (Loss)		 -33 -38 -54 -23 -25 -15 -21 -21 -16 -13 -14

Annual Metrics And Ratios for Plumas Bancorp

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

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
DEI Shares Outstanding		 4,795,139.00 4,888,475.00 5,062,772.00 5,125,476.00 5,159,560.00 5,181,032.00 5,813,523.00 - - - 6,955,514.00
DEI Adjusted Shares Outstanding		 4,795,139.00 4,888,475.00 5,062,772.00 5,125,476.00 5,159,560.00 5,181,032.00 5,813,523.00 - - - 6,955,514.00
DEI Earnings Per Adjusted Shares Outstanding		 1.21 1.53 1.62 2.73 3.01 2.79 3.61 - - - 4.26
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 8.81% 8.94% 14.14% 15.88% 8.87% 2.56% 18.76% 24.99% 15.75% 2.43% 19.19%
EBITDA Growth		 22.41% 24.22% 21.71% 17.61% 18.73% 7.81% 13.59% 28.64% 16.66% -5.19% 0.58%
EBIT Growth		 21.87% 28.30% 26.75% 23.35% 11.79% -6.68% 42.78% 25.21% 12.73% -3.01% 1.52%
NOPAT Growth		 22.79% 28.46% 9.57% 70.86% 10.86% -6.69% 45.14% 25.87% 12.60% -3.89% 3.49%
Net Income Growth		 22.79% 28.46% 9.57% 70.86% 10.86% -6.69% 45.14% 25.87% 12.60% -3.89% 3.49%
EPS Growth		 21.05% 27.83% 7.48% 69.62% 10.82% -6.73% 35.74% 18.88% 12.30% -4.38% -5.42%
Operating Cash Flow Growth		 35.21% 23.14% 28.98% 36.25% -1.04% 59.14% -134.18% 775.75% -32.60% -20.42% -29.24%
Free Cash Flow Firm Growth		 3,287.97% -14.07% -92.80% -167.67% -2,139.29% 19.48% -180.37% 454.83% -305.71% 189.55% -282.87%
Invested Capital Growth		 0.72% 4.40% 11.52% 18.68% 22.73% 16.71% 25.00% -8.50% 76.00% -17.44% 76.74%
Revenue Q/Q Growth		 1.00% 3.07% 2.09% 4.32% 1.43% 3.85% 4.24% 6.22% 0.59% 1.42% 8.16%
EBITDA Q/Q Growth		 5.81% 5.32% 4.06% 3.35% 3.41% -0.92% 3.15% 14.84% -0.44% 0.20% 6.48%
EBIT Q/Q Growth		 5.20% 6.72% 4.09% 4.39% 2.26% 5.88% 3.41% 9.69% -0.99% 1.33% 9.14%
NOPAT Q/Q Growth		 5.51% 6.54% -10.60% 21.07% 2.05% 2.84% 6.17% 9.59% -0.99% 0.81% 12.20%
Net Income Q/Q Growth		 5.51% 6.54% -10.60% 21.07% 2.05% 2.84% 6.17% 9.59% -0.99% 0.81% 12.20%
EPS Q/Q Growth		 5.50% 6.52% -10.73% 20.72% 2.06% 2.97% 3.30% 9.02% -0.59% 0.42% 6.07%
Operating Cash Flow Q/Q Growth		 3.79% 9.19% 13.36% 2.59% -3.82% 25.82% -349.68% 10.45% -13.42% 34.12% -7.97%
Free Cash Flow Firm Q/Q Growth		 -37.16% 1,267.51% -91.42% -104.26% 46.59% 66.06% -451.58% -15.78% -702.50% 174.41% -104.50%
Invested Capital Q/Q Growth		 5.62% -1.52% 2.01% 11.64% 5.07% -1.61% 5.47% 14.05% 78.25% -21.52% 3.66%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 37.22% 42.45% 45.26% 45.94% 50.10% 52.66% 50.37% 51.84% 52.25% 48.36% 40.81%
EBIT Margin		 32.74% 38.55% 42.81% 45.57% 46.79% 42.58% 51.19% 51.28% 49.94% 47.29% 40.28%
Profit (Net Income) Margin		 19.98% 23.56% 22.61% 33.34% 33.95% 30.89% 37.75% 38.02% 36.98% 34.70% 30.13%
Tax Burden Percent		 61.02% 61.10% 52.82% 73.16% 72.55% 72.55% 73.75% 74.14% 74.05% 73.38% 74.81%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 38.98% 38.90% 47.18% 26.84% 27.45% 27.45% 26.25% 25.86% 25.95% 26.62% 25.19%
Return on Invested Capital (ROIC)		 8.93% 11.19% 11.35% 16.82% 15.43% 12.05% 14.44% 17.08% 14.59% 12.04% 9.96%
ROIC Less NNEP Spread (ROIC-NNEP)		 8.93% 11.19% 11.35% 16.82% 15.43% 12.05% 14.44% 17.08% 14.59% 12.04% 9.96%
Return on Net Nonoperating Assets (RNNOA)		 5.80% 5.33% 4.45% 6.00% 5.06% 3.62% 3.50% 3.82% 7.78% 5.56% 3.54%
Return on Equity (ROE)		 14.73% 16.52% 15.79% 22.82% 20.49% 15.68% 17.94% 20.90% 22.36% 17.60% 13.49%
Cash Return on Invested Capital (CROIC)		 8.22% 6.89% 0.46% -0.27% -4.99% -3.36% -7.78% 25.96% -40.49% 31.14% -45.50%
Operating Return on Assets (OROA)		 1.68% 1.95% 2.21% 2.44% 2.53% 2.02% 2.09% 2.21% 2.49% 2.41% 2.05%
Return on Assets (ROA)		 1.02% 1.19% 1.17% 1.78% 1.84% 1.46% 1.54% 1.63% 1.84% 1.77% 1.53%
Return on Common Equity (ROCE)		 14.73% 16.52% 15.79% 22.82% 20.49% 15.68% 17.94% 20.90% 22.36% 17.60% 13.49%
Return on Equity Simple (ROE_SIMPLE)		 13.69% 15.57% 14.70% 20.90% 18.36% 14.45% 15.67% 22.22% 20.21% 16.09% 11.34%
Net Operating Profit after Tax (NOPAT)		 5.82 7.47 8.19 14 16 14 21 26 30 29 30
NOPAT Margin		 19.98% 23.56% 22.61% 33.34% 33.95% 30.89% 37.75% 38.02% 36.98% 34.70% 30.13%
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% 0.00%
SG&A Expenses to Revenue		 44.84% 41.88% 39.61% 35.98% 35.72% 35.52% 30.14% 31.72% 31.82% 35.59% 35.78%
Operating Expenses to Revenue		 63.49% 58.92% 55.53% 52.04% 49.92% 50.65% 46.79% 46.85% 46.61% 51.26% 52.75%
Earnings before Interest and Taxes (EBIT)		 9.54 12 16 19 21 20 28 36 40 39 40
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 11 13 16 19 23 25 28 36 42 40 40
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.00 1.66 1.84 1.54 1.45 1.12 1.37 1.71 1.59 1.56 1.18
Price to Tangible Book Value (P/TBV)		 0.00 1.66 1.84 1.54 1.45 1.12 1.43 1.80 1.65 1.61 1.36
Price to Revenue (P/Rev)		 0.00 2.52 2.83 2.45 2.69 2.38 3.30 2.93 2.91 3.36 3.12
Price to Earnings (P/E)		 0.00 10.69 12.51 7.35 7.91 7.72 8.75 7.71 7.88 9.67 10.36
Dividend Yield		 0.00% 0.61% 1.38% 1.79% 1.93% 1.67% 1.77% 1.84% 2.50% 2.30% 2.72%
Earnings Yield		 0.00% 9.35% 7.99% 13.60% 12.64% 12.95% 11.43% 12.97% 12.69% 10.34% 9.65%
Enterprise Value to Invested Capital (EV/IC)		 0.00 0.55 0.46 0.88 0.92 0.00 0.00 0.33 1.01 1.08 0.91
Enterprise Value to Revenue (EV/Rev)		 0.00 1.18 0.98 1.90 2.23 0.00 0.00 0.71 3.25 2.81 3.51
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 2.78 2.15 4.13 4.46 0.00 0.00 1.37 6.23 5.82 8.60
Enterprise Value to EBIT (EV/EBIT)		 0.00 3.06 2.28 4.16 4.77 0.00 0.00 1.39 6.52 5.95 8.72
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 5.02 4.31 5.69 6.58 0.00 0.00 1.87 8.80 8.10 11.65
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.00 4.21 3.08 5.09 6.59 0.00 0.00 0.87 6.83 7.60 15.99
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 8.15 106.67 0.00 0.00 0.00 0.00 1.23 0.00 3.13 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.54 0.42 0.37 0.35 0.31 0.29 0.21 0.24 0.77 0.21 0.46
Long-Term Debt to Equity		 0.36 0.26 0.19 0.15 0.12 0.15 0.08 0.09 0.61 0.08 0.08
Financial Leverage		 0.65 0.48 0.39 0.36 0.33 0.30 0.24 0.22 0.53 0.46 0.36
Leverage Ratio		 14.41 13.89 13.53 12.80 11.16 10.71 11.64 12.78 12.13 9.94 8.80
Compound Leverage Factor		 14.41 13.89 13.53 12.80 11.16 10.71 11.64 12.78 12.13 9.94 8.80
Debt to Total Capital		 34.97% 29.65% 26.79% 25.88% 23.75% 22.57% 17.07% 19.56% 43.42% 17.25% 31.29%
Short-Term Debt to Total Capital		 11.74% 11.06% 13.24% 14.46% 14.45% 10.73% 10.69% 12.59% 8.85% 10.27% 25.76%
Long-Term Debt to Total Capital		 23.24% 18.59% 13.55% 11.42% 9.30% 11.84% 6.38% 6.97% 34.57% 6.98% 5.53%
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% 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% 0.00%
Common Equity to Total Capital		 65.03% 70.35% 73.21% 74.12% 76.25% 77.43% 82.93% 80.44% 56.58% 82.75% 68.71%
Debt to EBITDA		 2.11 1.50 1.24 1.21 1.15 1.18 0.98 0.80 2.69 0.93 2.96
Net Debt to EBITDA		 -4.18 -3.15 -4.10 -1.21 -0.90 -6.31 -12.59 -4.28 0.65 -1.13 0.95
Long-Term Debt to EBITDA		 1.40 0.94 0.63 0.53 0.45 0.62 0.37 0.29 2.14 0.38 0.52
Debt to NOPAT		 3.93 2.71 2.49 1.67 1.70 2.02 1.31 1.09 3.80 1.30 4.01
Net Debt to NOPAT		 -7.79 -5.67 -8.20 -1.67 -1.33 -10.76 -16.80 -5.84 0.92 -1.57 1.29
Long-Term Debt to NOPAT		 2.61 1.70 1.26 0.74 0.66 1.06 0.49 0.39 3.02 0.52 0.71
Noncontrolling Interest Sharing Ratio		 0.00% 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)		 5.35 4.60 0.33 -0.22 -5.02 -4.04 -11 40 -83 74 -135
Operating Cash Flow to CapEx		 448.05% 1,594.80% 2,161.58% 404.53% 1,107.87% 9,546.51% -904.19% 1,881.74% 1,682.97% 0.00% 1,646.61%
Free Cash Flow to Firm to Interest Expense		 4.45 4.50 0.33 -0.18 -2.87 -3.29 -9.97 32.17 -17.23 6.96 -9.75
Operating Cash Flow to Interest Expense		 6.00 8.70 11.29 12.65 8.86 20.06 -7.41 45.54 7.99 2.87 1.56
Operating Cash Flow Less CapEx to Interest Expense		 4.66 8.15 10.76 9.53 8.06 19.85 -8.23 43.12 7.52 5.22 1.46
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.05 0.05 0.05 0.05 0.05 0.05 0.04 0.04 0.05 0.05 0.05
Fixed Asset Turnover		 2.44 2.64 3.13 3.27 3.16 3.27 3.66 4.03 4.35 5.25 5.33
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 65 68 76 90 111 129 162 148 260 215 380
Invested Capital Turnover		 0.45 0.48 0.50 0.50 0.45 0.39 0.38 0.45 0.39 0.35 0.33
Increase / (Decrease) in Invested Capital		 0.47 2.87 7.86 14 21 19 32 -14 112 -45 165
Enterprise Value (EV)		 0.00 37 35 80 102 -44 -169 49 262 232 345
Market Capitalization		 0.00 80 102 103 123 112 184 204 235 277 307
Book Value per Share		 $8.82 $9.82 $11.00 $13.06 $16.38 $19.33 $23.06 $20.34 $25.10 $30.17 $37.54
Tangible Book Value per Share		 $8.82 $9.82 $11.00 $13.06 $16.38 $19.33 $22.12 $19.40 $24.16 $29.23 $32.46
Total Capital		 65 68 76 90 111 129 162 148 260 215 380
Total Debt		 23 20 20 23 26 29 28 29 113 37 119
Total Long-Term Debt		 15 13 10 10 10 15 10 10 90 15 21
Net Debt		 -45 -42 -67 -23 -21 -156 -353 -154 27 -45 38
Capital Expenditures (CapEx)		 1.61 0.56 0.53 3.87 1.40 0.26 0.93 3.02 2.28 -25 1.31
Net Nonoperating Expense (NNE)		 0.00 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 20 20 23 26 29 28 29 113 37 119
Total Depreciation and Amortization (D&A)		 1.31 1.24 0.89 0.15 1.51 4.73 -0.46 0.39 1.86 0.88 0.52
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.21 $1.54 $1.64 $2.74 $3.01 $2.80 $3.82 $4.53 $5.08 $4.85 $4.60
Adjusted Weighted Average Basic Shares Outstanding		 4.85M 4.92M 5.07M 5.15M 5.18M 5.19M 5.83M 5.86M 5.89M 5.92M 6.98M
Adjusted Diluted Earnings per Share		 $1.15 $1.47 $1.58 $2.68 $2.97 $2.77 $3.76 $4.47 $5.02 $4.80 $4.54
Adjusted Weighted Average Diluted Shares Outstanding		 4.85M 4.92M 5.07M 5.15M 5.18M 5.19M 5.83M 5.86M 5.89M 5.92M 6.98M
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 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 4.85M 4.92M 5.07M 5.15M 5.18M 5.19M 5.83M 5.86M 5.89M 5.92M 6.98M
Normalized Net Operating Profit after Tax (NOPAT)		 5.82 7.47 8.19 14 16 14 21 26 30 29 30
Normalized NOPAT Margin		 19.98% 23.56% 22.61% 33.34% 33.95% 30.89% 37.75% 38.02% 36.98% 34.70% 30.13%
Pre Tax Income Margin		 32.74% 38.55% 42.81% 45.57% 46.79% 42.58% 51.19% 51.28% 49.94% 47.29% 40.28%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 7.92 11.96 15.25 15.47 12.24 16.25 25.08 28.56 8.38 3.67 2.85
NOPAT to Interest Expense		 4.83 7.31 8.05 11.32 8.88 11.79 18.49 21.17 6.21 2.69 2.13
EBIT Less CapEx to Interest Expense		 6.58 11.41 14.72 12.35 11.44 16.04 24.26 26.14 7.91 6.02 2.76
NOPAT Less CapEx to Interest Expense		 3.49 6.76 7.53 8.19 8.08 11.58 17.67 18.75 5.73 5.04 2.04
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 0.00% 6.54% 17.07% 13.16% 15.30% 12.89% 14.67% 14.13% 19.69% 22.24% 26.07%
Augmented Payout Ratio		 0.00% 18.08% 17.07% 13.16% 15.30% 12.89% 14.67% 14.13% 19.69% 22.24% 26.07%

Quarterly Metrics And Ratios for Plumas Bancorp

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

Metric Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026
DEI Shares Outstanding		 - - - - - 5,920,083.00 5,929,106.00 6,947,124.00 6,955,514.00 6,978,988.00 6,968,136.00
DEI Adjusted Shares Outstanding		 - - - - - 5,920,083.00 5,929,106.00 6,947,124.00 6,955,514.00 6,978,988.00 6,968,136.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - 1.21 1.07 0.74 1.58 1.40 1.43
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 2.44% -7.01% 6.32% 5.26% 5.76% 11.00% -0.31% 29.92% 35.06% 29.34% 39.98%
EBITDA Growth		 -1.67% -19.46% -0.53% -1.11% 0.73% 17.73% -3.67% -30.80% 22.33% 33.98% 67.30%
EBIT Growth		 -3.83% -18.85% 3.94% -1.17% 5.04% 19.78% -6.61% -35.27% 31.13% 31.32% 57.45%
NOPAT Growth		 -3.81% -17.99% 1.89% -1.76% 3.05% 14.81% -6.85% -34.28% 41.57% 35.97% 57.55%
Net Income Growth		 -3.81% -17.99% 1.89% -1.76% 3.05% 14.81% -6.85% -34.28% 41.57% 35.97% 57.55%
EPS Growth		 -2.29% -17.97% 1.79% -2.24% 1.56% 14.29% -7.89% -44.27% 20.00% 15.00% 34.29%
Operating Cash Flow Growth		 -91.93% -38.25% -51.96% -35.65% 1,486.97% -18.11% -59.32% -29.84% -22.56% 25.39% 465.81%
Free Cash Flow Firm Growth		 -586.72% -2,750.74% -760.80% -1,331.53% 150.66% 162.43% 161.80% 27.16% -389.76% -272.79% -238.96%
Invested Capital Growth		 76.00% 93.16% 88.04% 87.54% -17.44% -26.42% -25.42% 33.80% 76.74% 72.07% 55.76%
Revenue Q/Q Growth		 -0.22% -2.05% 5.15% 2.43% 0.25% 2.80% -5.55% 33.48% 4.22% -1.55% 2.21%
EBITDA Q/Q Growth		 -2.94% -20.28% 6.85% 19.61% -1.14% -6.82% -12.57% -14.07% 74.75% 2.05% 9.17%
EBIT Q/Q Growth		 -6.18% -17.38% 10.82% 15.04% -0.28% -5.79% -13.59% -20.26% 102.01% -5.66% 3.60%
NOPAT Q/Q Growth		 -5.65% -16.84% 8.51% 15.38% -1.03% -7.34% -11.96% -18.59% 113.18% -11.00% 2.01%
Net Income Q/Q Growth		 -5.65% -16.84% 8.51% 15.38% -1.03% -7.34% -11.96% -18.59% 113.18% -11.00% 2.01%
EPS Q/Q Growth		 -4.48% -17.97% 8.57% 14.91% -0.76% -7.69% -12.50% -30.48% 113.70% -11.54% 2.17%
Operating Cash Flow Q/Q Growth		 -95.79% 1,655.17% -44.60% 57.35% 3.72% -9.43% -72.48% 171.38% 14.47% 46.66% 24.19%
Free Cash Flow Firm Q/Q Growth		 -1,151.20% -32.33% 4.04% 9.90% 144.28% 63.07% -5.01% -206.21% -76.13% 2.76% 23.60%
Invested Capital Q/Q Growth		 78.25% 15.54% -0.60% -8.39% -21.52% 2.96% 0.76% 64.34% 3.66% 0.24% -8.79%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 54.24% 44.14% 44.86% 52.39% 51.66% 46.82% 43.35% 27.90% 46.79% 48.50% 51.80%
EBIT Margin		 50.69% 42.76% 45.06% 50.61% 50.35% 46.14% 42.21% 25.22% 48.88% 46.84% 47.48%
Profit (Net Income) Margin		 37.59% 31.91% 32.93% 37.10% 36.62% 33.01% 30.77% 18.77% 38.39% 34.70% 34.63%
Tax Burden Percent		 74.15% 74.64% 73.08% 73.29% 72.74% 71.54% 72.89% 74.42% 78.53% 74.08% 72.94%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 25.85% 25.36% 26.92% 26.71% 27.26% 28.46% 27.11% 25.58% 21.47% 25.92% 27.06%
Return on Invested Capital (ROIC)		 14.82% 11.05% 11.54% 14.36% 12.71% 10.70% 9.97% 5.33% 12.68% 12.06% 13.71%
ROIC Less NNEP Spread (ROIC-NNEP)		 14.82% 11.05% 11.54% 14.36% 12.71% 10.70% 9.97% 5.33% 12.68% 12.06% 13.71%
Return on Net Nonoperating Assets (RNNOA)		 7.90% 6.33% 6.46% 5.62% 5.87% 5.30% 4.56% 2.65% 4.51% 3.97% 3.10%
Return on Equity (ROE)		 22.73% 17.38% 18.00% 19.99% 18.57% 16.00% 14.53% 7.97% 17.19% 16.04% 16.81%
Cash Return on Invested Capital (CROIC)		 -40.49% -51.11% -48.67% -47.37% 31.14% 41.76% 40.26% -20.67% -45.50% -42.28% -31.04%
Operating Return on Assets (OROA)		 2.53% 2.10% 2.25% 2.54% 2.57% 2.39% 2.18% 1.18% 2.49% 2.56% 2.74%
Return on Assets (ROA)		 1.87% 1.57% 1.64% 1.86% 1.87% 1.71% 1.59% 0.88% 1.95% 1.90% 2.00%
Return on Common Equity (ROCE)		 22.73% 17.38% 18.00% 19.99% 18.57% 16.00% 14.53% 7.97% 17.19% 16.04% 16.81%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 17.59% 17.27% 15.60% 0.00% 15.75% 15.06% 10.73% 0.00% 12.13% 13.17%
Net Operating Profit after Tax (NOPAT)		 7.52 6.25 6.79 7.83 7.75 7.18 6.32 5.15 11 9.76 9.96
NOPAT Margin		 37.59% 31.91% 32.93% 37.10% 36.62% 33.01% 30.77% 18.77% 38.39% 34.70% 34.63%
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% 0.00%
SG&A Expenses to Revenue		 33.14% 36.01% 35.09% 35.39% 35.88% 36.29% 37.01% 36.06% 34.24% 36.98% 35.36%
Operating Expenses to Revenue		 48.81% 53.05% 50.45% 51.28% 50.36% 52.71% 53.60% 55.19% 49.84% 54.33% 50.43%
Earnings before Interest and Taxes (EBIT)		 10 8.38 9.29 11 11 10 8.67 6.92 14 13 14
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 11 8.65 9.24 11 11 10 8.91 7.65 13 14 15
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.59 1.32 1.28 1.31 1.56 1.32 1.36 1.21 1.18 1.28 1.49
Price to Tangible Book Value (P/TBV)		 1.65 1.37 1.32 1.35 1.61 1.36 1.40 1.34 1.36 1.47 1.70
Price to Revenue (P/Rev)		 2.91 2.71 2.63 2.94 3.36 2.93 3.09 3.27 3.12 3.23 3.59
Price to Earnings (P/E)		 7.88 7.53 7.39 8.41 9.67 8.38 9.00 11.27 10.36 10.51 11.30
Dividend Yield		 2.50% 2.81% 2.91% 2.62% 2.30% 2.65% 2.58% 2.73% 2.72% 2.54% 2.17%
Earnings Yield		 12.69% 13.28% 13.53% 11.89% 10.34% 11.94% 11.11% 8.87% 9.65% 9.51% 8.85%
Enterprise Value to Invested Capital (EV/IC)		 1.01 0.75 0.79 0.78 1.08 0.88 0.95 0.90 0.91 1.03 0.99
Enterprise Value to Revenue (EV/Rev)		 3.25 2.85 2.93 2.62 2.81 2.29 2.51 3.64 3.51 3.74 3.05
Enterprise Value to EBITDA (EV/EBITDA)		 6.23 5.63 5.88 5.35 5.82 4.68 5.17 8.78 8.60 8.98 6.95
Enterprise Value to EBIT (EV/EBIT)		 6.52 5.88 6.08 5.53 5.95 4.77 5.30 9.12 8.72 9.15 7.22
Enterprise Value to NOPAT (EV/NOPAT)		 8.80 7.92 8.23 7.50 8.10 6.56 7.30 12.53 11.65 12.15 9.62
Enterprise Value to Operating Cash Flow (EV/OCF)		 6.83 6.89 8.64 9.36 7.60 6.72 8.22 14.10 15.99 16.65 10.41
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 0.00 3.13 1.78 2.02 0.00 0.00 0.00 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.77 0.86 0.81 0.51 0.21 0.18 0.16 0.49 0.46 0.44 0.28
Long-Term Debt to Equity		 0.61 0.74 0.73 0.41 0.08 0.08 0.08 0.11 0.08 0.06 0.06
Financial Leverage		 0.53 0.57 0.56 0.39 0.46 0.50 0.46 0.50 0.36 0.33 0.23
Leverage Ratio		 12.13 11.09 10.95 10.72 9.94 9.38 9.13 9.10 8.80 8.46 8.40
Compound Leverage Factor		 12.13 11.09 10.95 10.72 9.94 9.38 9.13 9.10 8.80 8.46 8.40
Debt to Total Capital		 43.42% 46.32% 44.77% 33.58% 17.25% 15.24% 13.42% 32.90% 31.29% 30.32% 21.66%
Short-Term Debt to Total Capital		 8.85% 6.43% 4.64% 6.20% 10.27% 8.46% 6.70% 25.61% 25.76% 26.11% 17.05%
Long-Term Debt to Total Capital		 34.57% 39.89% 40.13% 27.38% 6.98% 6.78% 6.73% 7.29% 5.53% 4.21% 4.62%
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% 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% 0.00%
Common Equity to Total Capital		 56.58% 53.68% 55.23% 66.42% 82.75% 84.76% 86.58% 67.10% 68.71% 69.68% 78.34%
Debt to EBITDA		 2.69 3.49 3.35 2.31 0.93 0.81 0.73 3.20 2.96 2.65 1.52
Net Debt to EBITDA		 0.65 0.28 0.60 -0.65 -1.13 -1.29 -1.20 0.88 0.95 1.21 -1.22
Long-Term Debt to EBITDA		 2.14 3.00 3.01 1.88 0.38 0.36 0.37 0.71 0.52 0.37 0.32
Debt to NOPAT		 3.80 4.91 4.69 3.24 1.30 1.14 1.03 4.57 4.01 3.59 2.10
Net Debt to NOPAT		 0.92 0.39 0.84 -0.91 -1.57 -1.81 -1.70 1.26 1.29 1.63 -1.68
Long-Term Debt to NOPAT		 3.02 4.22 4.21 2.64 0.52 0.51 0.52 1.01 0.71 0.50 0.45
Noncontrolling Interest Sharing Ratio		 0.00% 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)		 -105 -139 -133 -120 53 87 82 -87 -154 -150 -114
Operating Cash Flow to CapEx		 191.21% 0.00% 2,206.96% 5,360.40% 7,670.37% 34,104.55% 6,661.29% 699.63% 2,096.41% 7,775.21% 10,818.52%
Free Cash Flow to Firm to Interest Expense		 -56.01 -54.04 -48.35 -40.12 22.93 42.26 33.60 -18.91 -32.40 -35.42 -26.28
Operating Cash Flow to Interest Expense		 0.28 3.57 1.84 2.67 3.57 3.66 0.84 1.21 1.35 2.23 2.68
Operating Cash Flow Less CapEx to Interest Expense		 0.13 13.49 1.76 2.62 3.53 3.65 0.83 1.04 1.29 2.20 2.66
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.05 0.06
Fixed Asset Turnover		 4.35 4.99 4.98 5.12 5.25 6.69 6.78 4.82 5.33 5.75 6.30
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 260 301 299 274 215 221 223 367 380 381 347
Invested Capital Turnover		 0.39 0.35 0.35 0.39 0.35 0.32 0.32 0.28 0.33 0.35 0.40
Increase / (Decrease) in Invested Capital		 112 145 140 128 -45 -79 -76 93 165 160 124
Enterprise Value (EV)		 262 225 235 213 232 194 212 331 345 391 345
Market Capitalization		 235 214 211 239 277 248 262 298 307 339 405
Book Value per Share		 $25.10 $27.40 $28.01 $30.86 $30.17 $31.69 $32.56 $35.40 $37.54 $38.03 $39.05
Tangible Book Value per Share		 $24.16 $26.46 $27.08 $29.93 $29.23 $30.76 $31.64 $31.92 $32.46 $33.05 $34.15
Total Capital		 260 301 299 274 215 221 223 367 380 381 347
Total Debt		 113 139 134 92 37 34 30 121 119 115 75
Total Long-Term Debt		 90 120 120 75 15 15 15 27 21 16 16
Net Debt		 27 11 24 -26 -45 -54 -49 33 38 53 -60
Capital Expenditures (CapEx)		 0.27 -25 0.23 0.15 0.11 0.02 0.03 0.80 0.31 0.12 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 0.00
Net Nonoperating Obligations (NNO)		 113 139 134 92 37 34 30 121 119 115 75
Total Depreciation and Amortization (D&A)		 0.71 0.27 -0.04 0.37 0.28 0.15 0.23 0.74 -0.60 0.47 1.24
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.28 $1.06 $1.15 $1.33 $1.31 $1.21 $1.07 $0.74 $1.58 $1.40 $1.43
Adjusted Weighted Average Basic Shares Outstanding		 5.89M 5.90M 5.90M 5.90M 5.92M 5.93M 6.95M 6.96M 6.98M 6.97M 6.96M
Adjusted Diluted Earnings per Share		 $1.28 $1.05 $1.14 $1.31 $1.30 $1.20 $1.05 $0.73 $1.56 $1.38 $1.41
Adjusted Weighted Average Diluted Shares Outstanding		 5.89M 5.90M 5.90M 5.90M 5.92M 5.93M 6.95M 6.96M 6.98M 6.97M 6.96M
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 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 5.89M 5.90M 5.90M 5.90M 5.92M 5.93M 6.95M 6.96M 6.98M 6.97M 6.96M
Normalized Net Operating Profit after Tax (NOPAT)		 7.52 6.25 6.79 7.83 7.75 7.18 6.32 5.15 11 9.76 9.96
Normalized NOPAT Margin		 37.59% 31.91% 32.93% 37.10% 36.62% 33.01% 30.77% 18.77% 38.39% 34.70% 34.63%
Pre Tax Income Margin		 50.69% 42.76% 45.06% 50.61% 50.35% 46.14% 42.21% 25.22% 48.88% 46.84% 47.48%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 5.41 3.26 3.37 3.57 4.60 4.89 3.54 1.50 2.94 3.12 3.14
NOPAT to Interest Expense		 4.01 2.43 2.46 2.62 3.34 3.50 2.58 1.11 2.31 2.31 2.29
EBIT Less CapEx to Interest Expense		 5.27 13.19 3.29 3.52 4.55 4.88 3.53 1.32 2.87 3.09 3.11
NOPAT Less CapEx to Interest Expense		 3.87 12.36 2.38 2.57 3.30 3.49 2.57 0.94 2.24 2.28 2.26
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 19.69% 21.08% 21.43% 21.98% 22.24% 22.16% 23.16% 27.38% 26.07% 25.63% 24.50%
Augmented Payout Ratio		 19.69% 21.08% 21.43% 21.98% 22.24% 22.16% 23.16% 27.38% 26.07% 25.63% 24.50%

Financials Breakdown Chart

Key Financial Trends

Plumas Bancorp’s recent financial trajectory is materially stronger than its 2023–2024 baseline. In Q2 2026, total revenue reached $28.8 million, up from $20.5 million in the restated Q2 2025, while net income increased to $10.0 million from $6.3 million. Earnings per diluted share rose to $1.41 from $1.05. The improvement was driven primarily by net interest income, which increased 43% year over year to $26.0 million.

The balance sheet has also expanded substantially. Total assets reached $2.28 billion at June 30, 2026, compared with $1.63 billion a year earlier. Net loans increased to $1.50 billion from $1.01 billion, and total deposits rose to approximately $1.88 billion from $1.37 billion. Total common equity increased to $272.1 million, supporting a stronger capital base in absolute terms. However, the rapid loan and deposit growth increases the importance of credit quality, funding costs and interest-rate management.

Cash generation was positive in Q2 2026. Operating activities produced $11.7 million, and the company ended the quarter with a $72.7 million increase in cash and equivalents, largely reflecting a $110.3 million increase in deposits. Investing cash flow was negative as Plumas purchased $17.2 million of investment securities, while financing cash flow benefited from deposit growth despite dividends, share repurchases and other financing outflows. Investors should also note that several historical figures, including Q1 and Q2 2025 results, are identified as restated, which may limit direct comparisons.

  • Net interest income is scaling: Q2 2026 net interest income was $26.0 million, compared with $18.2 million in Q2 2025 and $17.2 million in Q2 2023.
  • Profitability has improved sharply: Quarterly net income increased from $5.1 million in Q3 2025 to $11.0 million in Q4 2025, $9.8 million in Q1 2026 and $10.0 million in Q2 2026.
  • Credit-loss provisions have normalized: The Q2 2026 provision was $600,000, far below the $5.4 million provision recorded in Q3 2025, helping earnings recover.
  • Loan and deposit growth is substantial: Net loans and deposits increased approximately 49% and 38%, respectively, from Q2 2025 to Q2 2026, expanding the potential earnings base.
  • Capital has grown: Total common equity increased to $272.1 million from $165.2 million in Q2 2025, while retained earnings reached $211.0 million.
  • Operating cash flow remains positive: Q2 2026 operating cash flow of $11.7 million exceeded net income of $10.0 million, indicating solid cash conversion during the quarter.
  • Non-interest income is volatile: It was $2.8 million in Q2 2026, below $3.0 million in Q1 2026 but above $2.4 million in Q2 2025. This remains a smaller and less consistent contributor than net interest income.
  • Shareholder distributions continue: The company paid $2.3 million in dividends and repurchased $756,000 of common stock in Q2 2026, supporting shareholder returns but reducing retained cash.
  • Funding costs remain a risk: Interest expense on deposits rose to $3.9 million in Q2 2026 from $2.3 million in Q2 2025 as the deposit base expanded and interest-bearing funding became more expensive.
  • Rapid balance-sheet growth raises execution risk: Loans now represent the largest portion of assets, so a deterioration in credit quality or a slowdown in deposits could pressure provisions, liquidity and future earnings.
10/05/26 05:29 PM ETAI Generated. May Contain Errors.

Plumas Bancorp Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Plumas Bancorp's financial year ends in December. Their financial year 2025 ended on December 31, 2025.

Plumas Bancorp's net income appears to be on an upward trend, with a most recent value of $29.62 million in 2025, rising from $5.82 million in 2015. The previous period was $28.62 million in 2024. See Plumas Bancorp's forecast for analyst expectations on what's next for the company.

Over the last 10 years, Plumas Bancorp's total revenue changed from $29.13 million in 2015 to $98.30 million in 2025, a change of 237.5%.

In the past 13 quarters, Plumas Bancorp's cash and equivalents has ranged from $62.88 million in Q1 2026 to $135.55 million in Q2 2026, and is currently $135.55 million as of their latest financial filing in Q2 2026.

Plumas Bancorp had total debt of $118.87 million at the end of 2025, a 220.6% increase from 2024, and a 420.1% increase since 2015.

Over the last 10 years, Plumas Bancorp's book value per share changed from 8.82 in 2015 to 37.54 in 2025, a change of 325.5%.


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Financial statements for NASDAQ:PLBC last updated on 8/5/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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