PLBC · Plumas Bancorp - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - |
| Cost of Revenue | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - |
| D&A | $1.53M | $1.29M | $1.43M | $1.35M | $1.18M | $1.09M |
| Operating Income | $39.59M | $39.00M | $40.21M | $35.67M | $19.95M | $19.95M |
| Interest Expense | - | - | $4.80M | $1.25M | $1.14M | $1.23M |
| Income Tax | $9.97M | $10.38M | $10.44M | $9.22M | $7.48M | $5.48M |
| Net Income | $29.62M | $28.62M | $29.78M | $26.44M | $21.01M | $14.47M |
| EPS - Basic | $4.60 | $4.85 | $5.08 | $4.53 | $3.82 | $2.80 |
| EPS - Diluted | $4.54 | $4.80 | $5.02 | $4.47 | $3.76 | $2.77 |
Balance Sheet
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $80.62M | $82.02M | $85.66M | $183.43M | $380.58M | $184.91M |
| Accounts Receivable | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - |
| Total Assets | $2.24B | $1.62B | $1.61B | $1.62B | $1.61B | $1.11B |
| Current Liabilities | - | - | - | - | - | - |
| Long-term Debt | - | - | - | $0 | - | - |
| Total Liabilities | $1.98B | $1.45B | $1.46B | $1.50B | $1.48B | $1.01B |
| Stockholders' Equity | $261.08M | $177.90M | $147.32M | $119.00M | $134.08M | $100.15M |
| Retained Earnings | $195.90M | $174.00M | $151.75M | $128.39M | $105.68M | $87.75M |
Cash Flow
| Line item | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Operating Cash Flow | $21.59M | $30.51M | $38.34M | $56.88M | ($8.42M) | $24.63M |
| Investing Cash Flow | $70.32M | $10.25M | ($90.55M) | ($270.77M) | ($79.81M) | ($114.40M) |
| Financing Cash Flow | ($93.31M) | ($44.39M) | ($45.56M) | $16.72M | $283.90M | $227.74M |
| CapEx | $1.31M | $678.0K | $2.28M | $3.02M | $931.0K | $1.61M |
| Free Cash Flow | $20.28M | $29.83M | $36.06M | $53.86M | ($9.35M) | $23.02M |
Ratios
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Profitability | ||||||
| Gross margin | - | - | - | - | - | - |
| Operating margin | - | - | - | - | - | - |
| EBITDA margin | - | - | - | - | - | - |
| Net margin | - | - | - | - | - | - |
| Free cash flow margin | - | - | - | - | - | - |
| FCF / Net income | 0.68 | 1.04 | 1.21 | 2.04 | -0.44 | 1.59 |
| R&D / Revenue | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - |
| Effective tax rate | 25.2% | 26.6% | 26.0% | 25.9% | 26.3% | 27.5% |
| Return on assets | 1.3% | 1.8% | 1.8% | 1.6% | 1.3% | 1.3% |
| Return on equity | 11.3% | 16.1% | 20.2% | 22.2% | 15.7% | 14.5% |
| Return on invested capital | - | - | - | 22.2% | - | - |
| Liquidity | ||||||
| Current ratio | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - |
| Leverage | ||||||
| Debt / Equity | - | - | - | 0.00 | - | - |
| Debt / Assets | - | - | - | 0.00 | - | - |
| Debt / EBITDA | - | - | - | 0.00 | - | - |
| Interest coverage | - | - | 8.4x | 28.6x | 17.6x | 16.2x |
| Equity multiplier | 8.57 | 9.12 | 10.93 | 13.62 | 12.04 | 11.10 |
| Liabilities / Assets | 0.88 | 0.89 | 0.91 | 0.93 | 0.92 | 0.91 |
| Efficiency | ||||||
| Asset turnover | - | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - |
| Valuation | ||||||
| P / E | 9.8x | 9.8x | 8.2x | 8.3x | 9.0x | 8.5x |
| P / B | 1.1x | 1.6x | 1.7x | 1.8x | 1.4x | 1.2x |
| P / S | - | - | - | - | - | - |
| EV / EBITDA | 5.1x | 5.0x | 3.8x | 1.0x | -9.1x | -2.9x |
| Growth | ||||||
| Revenue growth (YoY) | - | - | - | - | - | - |
| Revenue CAGR (3y) | - | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - |
| Operating income growth (YoY) | 1.5% | -3.0% | 12.7% | 78.8% | 0.0% | -6.7% |
| Net income growth (YoY) | 3.5% | -3.9% | 12.6% | 25.9% | 45.1% | -6.7% |
| EPS growth (YoY) | -5.4% | -4.4% | 12.3% | 18.9% | 35.7% | -6.7% |
| EPS CAGR (3y) | 0.5% | 8.5% | 21.9% | 14.6% | 11.9% | 20.6% |
| EPS CAGR (5y) | 10.4% | 10.1% | 13.4% | 23.1% | 20.7% | 19.2% |
| FCF growth (YoY) | -32.0% | -17.3% | -33.1% | - | - | 63.5% |
| FCF CAGR (5y) | -2.5% | 16.2% | 25.1% | 45.1% | - | 38.1% |
| Book value growth (YoY) | 46.8% | 20.8% | 23.8% | -11.2% | 33.9% | 18.5% |
Stability scores
Piotroski F-score
FY 2025 · 9-point quality
2/9
Weak
- ✓Net income positive
- ✓Operating cash flow positive
- ✗ROA improved YoY
- ✗Cash flow > net income
- -Long-term debt decreased
- -Current ratio improved
- ✗No share dilution
- -Gross margin improved
- -Asset turnover improved
Peer comparison
Same SIC group: Short-Term Business Credit Institutions
Comparing PLUMAS BANCORP against the 5 most active filers in the same SIC group.
Dividends
$1.26/share trailing 12 months · +10.5% YoY
| Ex-date | Per share |
|---|---|
| May 1, 2026 | $0.3300 |
| Feb 4, 2026 | $0.3300 |
| Nov 3, 2025 | $0.3000 |
| Aug 1, 2025 | $0.3000 |
| May 1, 2025 | $0.3000 |
| Feb 3, 2025 | $0.3000 |
| Nov 1, 2024 | $0.2700 |
| Aug 1, 2024 | $0.2700 |
| Apr 30, 2024 | $0.2700 |
| Jan 31, 2024 | $0.2700 |
| Oct 31, 2023 | $0.2500 |
| Jul 31, 2023 | $0.2500 |
| Apr 28, 2023 | $0.2500 |
| Jan 31, 2023 | $0.2500 |
| Oct 31, 2022 | $0.1600 |
| Jul 29, 2022 | $0.1600 |
| Apr 29, 2022 | $0.1600 |
| Jan 28, 2022 | $0.1600 |
| Oct 29, 2021 | $0.1400 |
| Jul 30, 2021 | $0.1400 |
| Apr 29, 2021 | $0.1400 |
| Jan 29, 2021 | $0.1400 |
| Oct 30, 2020 | $0.1200 |
| Jul 30, 2020 | $0.1200 |