Plumas Bancorp logo

Plumas Bancorp

PLBC

NASDAQFinancial ServicesBanks - Regional

Regular session

$61.4267

−$0.0733 · -0.12%

Aug 24, 12:48 PM ET

PLBC company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

93

Deep Value

Momentum

59

Neutral

Sentiment

68

Bullish

Risk resilience

77

Moderate Risk

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Company profile

Company website

Plumas Bancorp functions as the parent holding company for Plumas Bank, a financial institution that delivers a broad spectrum of banking products and services. Its clientele primarily consists of individuals, as well as small and mid-sized businesses, situated across Northeastern California and Northwestern Nevada. The bank's diverse deposit offerings include conventional checking, money market checking, specialized business and public funds sweep accounts, savings, time deposits, and various retirement accounts. On the lending side, Plumas Bank provides a comprehensive suite of options, such as term loans for real estate, commercial endeavors, and industrial operations; government-guaranteed and agricultural financing; revolving lines of credit; consumer loans like auto and home equity; funding for land development and construction projects; and Small Business Administration (SBA) loans. Beyond its core deposit and lending products, the company extends modern conveniences like remote deposit, telephone and mobile banking, and internet banking complete with bill-pay functionality. Additional services encompass cashier's checks, mail-in banking, automated teller machines (ATMs), night depositories, safe deposit boxes, direct deposit, electronic funds transfers, and other standard banking facilities. As of February 28, 2022, Plumas Bank operated through 14 full-service branches and 3 dedicated lending offices. Incorporated in 1980, Plumas Bancorp maintains its corporate headquarters in Reno, Nevada.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
US
CEO
Andrew J. Ryback
Listed since
Dec 11, 2002
Employees
238

Market position

Day range

Current $61.4267

52-week range

Current $61.4267

Open
$61.95
Previous close
$61.50
Volume
19.78K
0.34× average
Average volume
57.75K
Average daily volume
Market cap
427.78M USD
Beta
0.59
Market reference 1
50-day average
$59.7776
+2.76% above average
200-day average
$51.4495
+19.39% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
355.08M USD
P/E (TTM)
11.93×
P/B (TTM)
1.57×
P/S (TTM)
3.27×
EV / EBITDA
8.37×
Earnings yield
10.29%
Free cash flow yield
7.05%
Dividend yield
2.10%

Profitability & efficiency

Gross margin
81.67%
Operating margin
39.03%
Net margin
27.41%
Return on equity
11.34%
Return on assets
1.32%
Return on invested capital
6.91%

Financial health

Debt / equity
0.38×
Current ratio
0.25×
Altman Z-score
0.67
Piotroski F-score
5 of 9

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends103%76%48%20%Gross margin, FY2021: 96.00%Gross margin, FY2022: 96.39%Gross margin, FY2023: 91.08%Gross margin, FY2024: 83.76%Gross margin, FY2025: 80.85%Operating margin, FY2021: 50.42%Operating margin, FY2022: 50.57%Operating margin, FY2023: 47.37%Operating margin, FY2024: 53.53%Operating margin, FY2025: 36.58%Net margin, FY2021: 37.18%Net margin, FY2022: 37.49%Net margin, FY2023: 35.08%Net margin, FY2024: 39.28%Net margin, FY2025: 27.36%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 96.00%. Gross margin FY2022 96.39%. Gross margin FY2023 91.08%. Gross margin FY2024 83.76%. Gross margin FY2025 80.85%. Operating margin FY2021 50.42%. Operating margin FY2022 50.57%. Operating margin FY2023 47.37%. Operating margin FY2024 53.53%. Operating margin FY2025 36.58%. Net margin FY2021 37.18%. Net margin FY2022 37.49%. Net margin FY2023 35.08%. Net margin FY2024 39.28%. Net margin FY2025 27.36%.

Income trends

Revenue

108.25M USD+48.56%

Operating income

39.59M USD+1.52%

Net income

29.62M USD+3.49%
Income trends across reported periods116.97M USD82.08M USD47.18M USD12.29M USDRevenue, FY2021: 56.5M USDRevenue, FY2022: 70.53M USDRevenue, FY2023: 84.89M USDRevenue, FY2024: 72.86M USDRevenue, FY2025: 108.25M USDOperating income, FY2021: 28.49M USDOperating income, FY2022: 35.67M USDOperating income, FY2023: 40.21M USDOperating income, FY2024: 39M USDOperating income, FY2025: 39.59M USDNet income, FY2021: 21.01M USDNet income, FY2022: 26.44M USDNet income, FY2023: 29.78M USDNet income, FY2024: 28.62M USDNet income, FY2025: 29.62M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 56.5M USD. Revenue FY2022 70.53M USD. Revenue FY2023 84.89M USD. Revenue FY2024 72.86M USD. Revenue FY2025 108.25M USD. Operating income FY2021 28.49M USD. Operating income FY2022 35.67M USD. Operating income FY2023 40.21M USD. Operating income FY2024 39M USD. Operating income FY2025 39.59M USD. Net income FY2021 21.01M USD. Net income FY2022 26.44M USD. Net income FY2023 29.78M USD. Net income FY2024 28.62M USD. Net income FY2025 29.62M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue108.25M USD72.86M USD84.89M USD70.53M USD56.5M USD
Cost of goods sold20.73M USD11.83M USD7.57M USD2.55M USD2.26M USD
Gross profit87.52M USD61.03M USD77.32M USD67.99M USD54.24M USD
Selling, general, and administrative35.17M USD24.25M USD22.76M USD19.26M USD14.18M USD
Operating expenses47.93M USD22.03M USD37.11M USD32.32M USD25.75M USD
Interest income102.31M USD84.33M USD74.59M USD59.76M USD48.07M USD
Interest expense13.88M USD10.63M USD4.8M USD1.25M USD1.14M USD
Depreciation and amortization2.84M USD1.5M USD1.67M USD1.9M USD1.67M USD
Operating income39.59M USD39M USD40.21M USD35.67M USD28.49M USD
Net income29.62M USD28.62M USD29.78M USD26.44M USD21.01M USD

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
70%
7 beats, 3 misses, 0 met estimates
Average EPS surprise
+3.75%
10 comparable reports
Latest EPS result
1.41
Estimate 1.37 · Beat by 2.92%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates1.631.280.940.59Q1 '25BeatQ2 '25BeatQ3 '25MissQ4 '25BeatQ1 '26BeatQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Jan 15, 2025: actual 1.29, estimate 1.19, surprise +8.40%, Beat. Q2 2025, reported Apr 16, 2025: actual 1.2, estimate 1.13, surprise +6.19%, Beat. Q3 2025, reported Jul 16, 2025: actual 1.05, estimate 1.2, surprise -12.50%, Miss. Q4 2025, reported Oct 15, 2025: actual 0.74, estimate 0.66, surprise +12.12%, Beat. Q1 2026, reported Jan 21, 2026: actual 1.56, estimate 1.35, surprise +15.56%, Beat. Q2 2026, reported Apr 15, 2026: actual 1.38, estimate 1.31, surprise +5.34%, Beat. Q3 2026, reported Jul 15, 2026: actual 1.41, estimate 1.37, surprise +2.92%, Beat. Q4 2026, reported Oct 21, 2026: actual —, estimate 1.46, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates30.19M26.59M22.98M19.38MQ1 '25BeatQ2 '25BeatQ3 '25MissQ4 '25MissQ1 '26BeatQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Jan 15, 2025: actual 21.31M USD, estimate 20.72M USD, surprise +2.83%, Beat. Q2 2025, reported Apr 16, 2025: actual 21.68M USD, estimate 21M USD, surprise +3.24%, Beat. Q3 2025, reported Jul 16, 2025: actual 20.54M USD, estimate 21M USD, surprise -2.18%, Miss. Q4 2025, reported Oct 15, 2025: actual 27.42M USD, estimate 28.07M USD, surprise -2.30%, Miss. Q1 2026, reported Jan 21, 2026: actual 28.21M USD, estimate 27.39M USD, surprise +3.00%, Beat. Q2 2026, reported Apr 15, 2026: actual 28.47M USD, estimate 27.26M USD, surprise +4.41%, Beat. Q3 2026, reported Jul 15, 2026: actual 28.76M USD, estimate 28.02M USD, surprise +2.65%, Beat. Q4 2026, reported Oct 21, 2026: actual —, estimate 29.03M USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Analyst price target

Average target

$66.33

7.98% upside
Past 12 months12-month forecastHigh $69.00Average $66.33Low $64.00

Rating distribution

3 ratings

Limited analyst sample: 3 ratings. Interpret the distribution with caution.

Strong buy00%
Buy3100%
Hold00%
Sell00%
Strong sell00%

Recent analyst actions

3 institutions

PLBC news

Corporate actions

Annual dividends per share

Cash distributions grouped by calendar year; partial years are marked.

$1.20

2025 complete year+114.3% since 2021

2026 partial: $0.99

* Partial calendar year in the available dividend history.

Corporate action history

Dividend

Ex-dividend Aug 3, 2026

$0.33

Quarterly

Record Aug 3, 2026 · Payment Aug 17, 2026

Dividend

Ex-dividend May 1, 2026

$0.33

Quarterly

Record May 1, 2026 · Payment May 15, 2026

Dividend

Ex-dividend Feb 4, 2026

$0.33

Quarterly

Record Feb 4, 2026 · Payment Feb 18, 2026

Dividend

Ex-dividend Nov 3, 2025

$0.30

Quarterly

Record Nov 3, 2025 · Payment Nov 17, 2025

Dividend

Ex-dividend Aug 1, 2025

$0.30

Quarterly

Record Aug 1, 2025 · Payment Aug 15, 2025

Dividend

Ex-dividend May 1, 2025

$0.30

Quarterly

Record May 1, 2025 · Payment May 15, 2025

PLBC peers

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