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Plumas Bancorp

PLBC Financial Banks Regional

Plumas Bancorp’s revenue for fiscal 2025 (year ended December 2025) was $112.2 million, up 20.5% from fiscal 2024.

Revenue
+5.59%
EPS
+121.6%
Free cash flow
+204.7%

Quarter to September 2026, against a year earlier

62.73 0.14 +0.22%
Market cap
$435.6M
P/E
10.4×
Fwd P/E
10.7×
Dividend yield
2.11%
F-score
4/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 0.03
Sold, $m 0.14
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — 2 — — — — — —
Sell — 1 1 — — — — — 1 — — —
Insider Ownership 6.67%

Capital & Financial Ratios $m

Size
Market Cap 435.57
Revenue ttm 132.64
Net income ttm 42.08
Free cash flow ttm 42.24
Net debt Q (114.36)
Valuation
P/E 10.36
Forward P/E 10.70
Price / sales 3.28
Forward P/S Powerpack
Price / FCF 9.40
Price / book 1.66
Financial health
Current ratio Q 0.86
Debt / equity Q 0.00
Interest coverage Q —
Growth
Revenue growth Q +5.59% (above 0%: growing)
Operating income growth Q +102.92% (above 0%: growing)
EPS, this year +30.16% (at or above 15%: strong)
EPS, next year A −1.33% (below 0%: weak)
Revenue, next year A +2.79%
EPS, past 5 yrs +10.39%
EPS, next 5 yrs A +9.04%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 72.75%
10-year low 10-year high
P/S against its own 10 years 84.67%
10-year low 10-year high
P/B against its own 10 years 68.13%
10-year low 10-year high

Dividends raised 6 years running

Yield
2.11%
Annual rate
1.32
Payout ratio
22.2%
Growth, 2018–26
+17.6%/yr
  1. 0.36 ’18
  2. 0.46 ’19 +28
  3. 0.36 ’20 −22
  4. 0.56 ’21 +56
  5. 0.64 ’22 +14
  6. 1.00 ’23 +56
  7. 1.08 ’24 +8
  8. 1.20 ’25 +11
  9. 1.32 ’26 +10
paid change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 86 82 81 114
Receivables — — — —
Inventory — — — —
Other — — — —
1,077 1,126 1,639 —
2023 2024 2025 Q'26
Payables 1,334 1,371 1,810 1,867
ST’ Debt — — — —
Other — — — —
1,460 1,406 1,927 —

Compound Annual Growth %

10y 5y 3y
Sales 13.97% 18.46% 16.57%
Cash Flow 11.56% (2.60%) (27.60%)
Earnings 17.67% 15.39% 3.85%
Book Value 19.91% 21.12% 29.94%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 1.46 Actual 1.61

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 1.37 1.56 Beat by 0.19
Q1 FY26 1.31 1.38 Beat by 0.07
Q2 FY26 1.37 1.41 Beat by 0.04
Q3 FY26 1.46 1.61 Beat by 0.15
Q4 FY26 1.52 — Reports 20 January 2027

EPS $

Mar Jun Sep Dec Year
’26 1.38 1.41 1.61 — —
’25 1.20 1.05 0.73 1.56 4.54
’24 1.05 1.14 1.31 1.29 4.80
’23 1.28 1.12 1.34 1.27 5.02
’22 0.97 0.96 1.23 1.32 4.47
’21 0.85 0.85 1.12 0.93 3.76
’20 0.63 0.61 0.71 0.82 2.77
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 32 33 34 — —
’25 24 23 32 33 112
’24 22 23 24 23 93
’23 22 20 21 22 85
’22 16 16 19 20 71
’21 13 12 16 16 57
’20 12 11 12 13 48
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 9 12 15 — —
’25 8 2 6 6 22
’24 9 5 8 8 31
’23 15 11 12 1 38
’22 23 15 12 6 57
’21 9 (5) (13) 1 (8)
’20 7 10 0 8 25
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 9 12 15 — —
’25 7 2 5 11 26
’24 35 5 8 8 56
’23 14 10 12 0 37
’22 21 15 12 7 55
’21 9 (5) (13) 1 (9)
’20 7 11 0 7 25
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1.3
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 33 37 43 47 48 57 71 85 93 112 133 +14.7% 115 118 122 +2.8%
Gross margin, % 96.88 97.27 97.14 96.32 97.45 98.00 98.24 94.38 88.58 87.63 86.55 (9.3) pt
EBT 12 16 19 21 20 28 36 40 39 40 55 +13.9%
EBT margin, % 37.35 41.64 44.27 45.07 41.49 50.17 50.37 47.13 41.89 35.30 41.34 (2.1) pt
Net income 7 8 14 16 14 21 26 30 29 30 42 +16.5%
Per share, $
Per share, $ Revenue 6.73 7.44 8.46 9.20 9.29 10.32 12.12 14.55 15.79 17.42 19.07 +11.1%
Earnings 1.54 1.64 2.74 3.01 2.80 3.82 4.53 5.08 4.85 4.60 6.05 +12.9%
Cash flow 1.83 2.29 3.06 3.00 4.76 (1.53) 9.74 6.54 5.18 3.35 6.07 +7.0%
Capex (0.05) (0.04) (0.66) (0.15) 0.04 (0.09) (0.36) (0.31) 4.37 0.67 0.00 n/m
Free cash flow 1.78 2.25 2.40 2.85 4.80 (1.62) 9.38 6.23 9.55 4.03 6.07 +9.5%
Book value 9.87 11.13 13.10 16.39 19.35 24.37 20.38 25.13 30.18 40.54 37.74 +17.0%
Shares, m 5 5 5 5 5 6 6 6 6 6 7 +3.2%
Valuation, ×
Valuation, × P/E 11.05 14.20 8.29 8.76 8.39 8.89 8.04 8.13 9.74 9.72 10.36 9.5
P/S 2.51 3.11 2.69 2.87 2.53 3.27 3.00 2.84 2.99 2.57 3.28 2.8
P/B 1.71 2.08 1.73 1.61 1.21 1.39 1.79 1.64 1.57 1.10 1.66 1.6
EV/Sales 0.98 1.04 1.84 2.09 (1.00) (3.25) 0.56 1.95 2.27 2.03 — 0.9
EV/FCF 3.72 3.43 6.50 6.75 (1.93) 20.74 0.72 4.56 3.76 8.80 — 5.7
Cash, $m
Cash, $m Operating cash flow 9 11 16 15 25 (8) 57 38 31 22 42 +10.3%
Capex 0 0 (3) (1) 0 0 (2) (2) 26 4 4 n/m
Free cash flow 9 11 12 15 25 (9) 55 37 56 26 42 +12.9%
Balance, $m
Balance, $m Working capital (66) (97) (123) (93) (92) (200) (355) (383) (280) (288) (270) +17.8%
Net debt (50) (77) (36) (37) (170) (370) (173) (86) (67) (60) (114) +2.0%
Shareholders’ equity 48 56 67 85 100 134 119 147 178 261 262 +20.7%
Returns, %
Returns, % ROA 1.19 1.17 1.78 1.84 1.46 1.54 1.63 1.84 1.77 1.53 1.87 +0.3 pt
ROIC 0.00 0.00 39.12 27.91 0.00 0.00 0.00 40.76 21.98 12.28 23.14 +12.3 pt
ROE 16.52 15.79 22.82 20.49 15.68 17.94 20.90 22.36 17.60 13.49 16.55 (3.0) pt
People
People Employees 155 161 174 183 177 187 193 189 197 246 — +5.3%
Revenue/emp, $m 0.21 0.23 0.25 0.26 0.27 0.30 0.37 0.45 0.47 0.46 — +8.9%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 4 Nov 2026

Plumas Bancorp vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
PBFS Pioneer Bancorp, Inc. $453.0M 26.2× 24.0× +17.36% (above 0%: growing) −46.15% (below 0%: shrinking) +217.72% (above 0%: growing) 75.84% 0.00% Compare
AVBC Avidia Bancorp, Inc. $451.5M 23.9× 15.4× +5.48% (above 0%: growing) — +391.37% (above 0%: growing) 76.31% 0.00% Compare
CBK Commercial Bancgroup, Inc. $447.5M 11.0× 10.9× +4.55% (above 0%: growing) +3.01% (above 0%: growing) +28.43% (above 0%: growing) 73.79% 0.00% Compare
PLBC Plumas Bancorp $435.6M 10.4× 10.7× +5.59% (above 0%: growing) +121.62% (above 0%: growing) +204.74% (above 0%: growing) 86.67% 0.00%
SUPV Grupo Supervielle S.A. $433.5M — (loss-making) — −1.93% (below 0%: shrinking) −28.57% (below 0%: shrinking) −129.06% (below 0%: shrinking) 64.28% 0.00% Compare
RBB RBB Bancorp $432.5M 10.5× 10.1× −4.00% (below 0%: shrinking) +13.21% (above 0%: growing) +4.05% (above 0%: growing) 55.01% 0.00% Compare
PCB PCB Bancorp $424.1M 10.2× 9.9× +2.13% (above 0%: growing) +8.86% (above 0%: growing) −6.30% (below 0%: shrinking) 57.79% 0.00% Compare
CZFS Citizens Financial Services Inc. $413.9M 9.6× 9.8× +8.19% (above 0%: growing) +18.66% (above 0%: growing) +84.04% (above 0%: growing) 66.14% 0.00% Compare
CHMG Chemung Financial Corp $410.8M 10.7× 10.1× +6.14% (above 0%: growing) +62.35% (above 0%: growing) −3.80% (below 0%: shrinking) 75.38% 0.00% Compare
Median of peers $433.0M 10.7× 10.1× +5.02% +8.86% +16.24% 69.97% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 9 April 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 952.41k 910.31k 129.47
2024 867.33k 900.39k 133.17
2023 740.27k 765.57k 114.31

Ownership

Directors and executive officers, together 7.40%
Fidelity Management & Research LLC 7.60%
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

Plumas Bancorp (PLBC) Latest News

22 Oct

Impact 3 · · Simply Wall St.
Impact 3 · · GlobeNewswire
Impact 3 · · GlobeNewswire

21 Oct

Impact 4 · · GlobeNewswire
Impact 3 · · Zacks

19 Oct

Impact 3 · · Zacks

15 Oct

Impact 4 ·
Impact 4 · · GlobeNewswire
Impact 3 · · Zacks
Impact 3 · · Zacks

14 Oct

Impact 3 · · Zacks

1 Oct

Impact 3 · · Zacks

15 Jul

Impact 4 ·
Impact 3 ·

25 Apr

Impact 3 · · Simply Wall St.

15 Apr

Impact 4 ·
Impact 4 ·

3 Feb

Impact 3 · · Simply Wall St.

2 Feb

Impact 3 · · GlobeNewswire

21 Jan

Impact 4 · · Zacks
Impact 4 · · GlobeNewswire
Impact 3 · · ZacksZacksZacksZacksZacksZacksZacksZacks

2 Jan

Impact 4 · · GlobeNewswire

10 Dec

Impact 3 · · Simply Wall St.

13 Nov

Impact 3 · · Simply Wall St.

16 Oct

Impact 3 · · Simply Wall St.

29 Aug

Impact 3 ·

28 Jul

Impact 3 · · Simply Wall St.

18 Jul

Impact 3 ·

16 Jul

Impact 3 · · Zacks
stockrow.com/PLBC · Data as of Nov 4, 2026 · For information only; not investment advice. · © 2026 stockrow.com