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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. In the quarter to June 2026, revenue grew 44.0%, EPS grew 33.6% and free cash flow grew 446.8%, each against the same quarter a year earlier. Dividend growth for five consecutive years, revenue growth for ten; insiders bought in the last twelve months.

62.11 0.06 +0.10%
Market cap
$431.8M
P/E
12.1×
Fwd P/E
9.7×
Dividend yield
2.08%
F-score
4/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 0.03
Total sells 0.14
Totals in millions of $.
Dec 25 Mar 26 Jun 26 Sep 26
Buy — — — — — — 2 — — — — —
Sell — — 1 1 — — — — — 1 — —
Insider Ownership 6.83%

Capital & Financial Ratios $m

Market Cap 431.81
Revenue 130.85
Net Income 35.84
Free Cash Flow 37.20
Net Debt (119.51)
Current Ratio 0.86
Debt/Equity 0.06
P/E ratio 12.06
Fwd P/E 9.70
P/S ratio 3.31
P/B ratio 1.59
Past 5Y EPS Growth 10.39%
This Y EPS Growth 25.31% (at or above 15%: strong)
Next Y EPS Growth 2.14%
Next Y revenue growth 2.61%
Next 5Y EPS Growth 9.93%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 90.60%
10-year low 10-year high
P/S against its own 10 years 85.92%
10-year low 10-year high
P/B against its own 10 years 58.98%
10-year low 10-year high

Dividends

Payout Ratio 0.25
Annual Dividend Rate 1.29
Annual Dividend Yield 2.08%
total individual payouts
2028 Powerpack
2027 Powerpack
2026 1.32
0.33
0.33
0.33
2025 1.20
0.30
0.30
0.30
0.30
2024 1.08
0.27
0.27
0.27
0.27
2023 1.00
0.25
0.25
0.25
0.25
2022 0.64
0.16
0.16
0.16
0.16
2021 0.56
0.14
0.14
0.14
0.14
2020 0.36
0.12
0.12
0.12
2019 0.46
0.23
0.23
2018 0.36
0.18
0.18
2017 0.28
0.14
0.14
2016 0.10
0.10
predictions special payouts not included in total or ratios

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 86 82 81 136
Receivables — — — —
Inventory — — — —
Other — — — —
1,077 1,126 1,639 1,692
2023 2024 2025 Q'26
Payables 1,334 1,371 1,810 1,885
ST’ Debt — — — —
Other — — — —
1,460 1,406 1,927 1,961

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%

Revenue $m

Mar Jun Sep Dec Year
’26 32 33 — — —
’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 — — —
’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 — — —
’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.

EPS $

Mar Jun Sep Dec Year
’26 1.38 1.41 — — —
’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.

Target Price Range

Analyst price targets

Recommendation Rating

1.3
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
Price, $
Price, $ Low 8.20 15.85 20.51 19.25 15.00 23.00 26.48 31.02 32.50 38.71

Analyst estimates 2026–2028

Powerpack
High 19.23 23.35 29.45 26.99 29.23 39.88 41.30 45.31 51.33 49.47
People
People Employees 155 161 174 183 177 187 193 189 197 246
Revenue/emp, $m 0.21 0.23 0.25 0.26 0.27 0.30 0.37 0.45 0.47 0.46
Income, $m
Income, $m Revenue 33 37 43 47 48 57 71 85 93 112
Gross margin, % 96.88 97.27 97.14 96.32 97.45 98.00 98.24 94.38 88.58 87.63
EBT 12 16 19 21 20 28 36 40 39 40
EBT margin, % 37.35 41.64 44.27 45.07 41.49 50.17 50.37 47.13 41.89 35.30
Net income 7 8 14 16 14 21 26 30 29 30
Depreciation 2 2 2 2 2 3 3 3 2 4
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
Earnings 1.54 1.64 2.74 3.01 2.80 3.82 4.53 5.08 4.85 4.60
Cash flow 1.83 2.29 3.06 3.00 4.76 (1.53) 9.74 6.54 5.18 3.35
Capex (0.05) (0.04) (0.66) (0.15) 0.04 (0.09) (0.36) (0.31) 4.37 0.67
Free cash flow 1.78 2.25 2.40 2.85 4.80 (1.62) 9.38 6.23 9.55 4.03
Book value 9.87 11.13 13.10 16.39 19.35 24.37 20.38 25.13 30.18 40.54
Shares, m 5 5 5 5 5 6 6 6 6 6
Valuation, ×
Valuation, × P/E 11.05 14.20 8.29 8.76 8.39 8.89 8.04 8.13 9.74 9.72
P/S 2.51 3.11 2.69 2.87 2.53 3.27 3.00 2.84 2.99 2.57
P/B 1.71 2.08 1.73 1.61 1.21 1.39 1.79 1.64 1.57 1.10
EV/Sales 0.98 1.04 1.84 2.09 (1.00) (3.25) 0.56 1.95 2.27 2.03
EV/FCF 3.72 3.43 6.50 6.75 (1.93) 20.74 0.72 4.56 3.76 8.80
Cash, $m
Cash, $m Operating cash flow 9 11 16 15 25 (8) 57 38 31 22
Capex 0 0 (3) (1) 0 0 (2) (2) 26 4
Free cash flow 9 11 12 15 25 (9) 55 37 56 26
Balance, $m
Balance, $m Working capital (66) (97) (123) (93) (92) (200) (355) (383) (280) (288)
Total debt 13 10 10 10 15 10 10 — 15 21
Net debt (50) (77) (36) (37) (170) (370) (173) (86) (67) (60)
Shareholders’ equity 48 56 67 85 100 134 119 147 178 261
Returns, %
Returns, % ROA 1.19 1.17 1.78 1.84 1.46 1.54 1.63 1.84 1.77 1.53
ROIC 0.00 0.00 39.12 27.91 0.00 0.00 0.00 40.76 21.98 12.28
ROE 16.52 15.79 22.82 20.49 15.68 17.94 20.90 22.36 17.60 13.49
Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

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. $440.5M 25.2× 24.0× +17.36% (above 0%: growing) −46.15% (below 0%: shrinking) +217.72% (above 0%: growing) 75.84% 0.00% Compare
FRBA First Bank $438.9M 10.3× 10.2× −3.96% (below 0%: shrinking) +7.32% (above 0%: growing) −48.72% (below 0%: shrinking) 62.19% 0.00% Compare
AVBC Avidia Bancorp, Inc. $436.0M 23.1× 14.7× +5.48% (above 0%: growing) — +391.37% (above 0%: growing) 76.31% 0.00% Compare
RBB RBB Bancorp $435.8M 10.5× 10.3× −4.00% (below 0%: shrinking) +13.21% (above 0%: growing) +4.05% (above 0%: growing) 55.01% 0.00% Compare
PLBC Plumas Bancorp $431.8M 12.1× 9.7× +44.00% (above 0%: growing) +33.64% (above 0%: growing) +446.81% (above 0%: growing) 86.85% 0.00%
CBK Commercial Bancgroup, Inc. $431.5M 10.8× 10.3× −0.84% (below 0%: shrinking) +3.15% (above 0%: growing) +28.43% (above 0%: growing) 73.67% 0.00% Compare
BMRC Bank of Marin Bancorp $427.4M — (loss-making) 11.9× +120.20% (above 0%: growing) n/m +67.51% (above 0%: growing) 74.60% 0.00% Compare
CBAN Colony Bankcorp, Inc. $425.1M 12.0× 10.7× +23.45% (above 0%: growing) +10.87% (above 0%: growing) −48.88% (below 0%: shrinking) 72.54% 0.00% Compare
USCB USCB Financial Holdings, Inc. $412.5M 14.5× 9.3× +9.15% (above 0%: growing) +19.51% (above 0%: growing) +34.55% (above 0%: growing) 64.78% 0.00% Compare
Median of peers $433.6M 12.0× 10.5× +7.31% +9.10% +31.49% 73.11% 0.00%

All 323 Banks Regional stocks →

Plumas Bancorp (PLBC) key facts

  • Strength: Plumas Bancorp’s revenue for fiscal 2025 (year ended December 2025) was $112.2 million, up 20.5% from fiscal 2024.
  • Strength: Net income was $29.6 million, or $4.60 per share (basic), a net margin of 26.4%.
  • Plumas Bancorp (PLBC) is a Banks Regional company in the Financial sector, listed on Nasdaq.
  • As of October 16, 2026, PLBC traded at $62.11, a market capitalization of $431.8 million.
  • At that price the stock trades at 12.1× trailing-twelve-month earnings and 3.3× sales; its P/E is higher than 91% of its own readings over the past ten years.
  • Plumas Bancorp pays an annual dividend of $1.29 per share, a yield of 2.08%, with a payout ratio of 25.4%.
  • Return on equity was 13.5% and debt-to-equity 0.06.
  • Its Piotroski F-score is 4 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.

Plumas Bancorp (PLBC) Latest News

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stockrow.com/PLBC · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com