Plumas Bancorp (PLBC) Financial Statements
Industry: Short-Term Business Credit Institutions
In fiscal 2025, Plumas Bancorp reported revenue of $98.3M, up 19.2% from $82.5M the year before. Net income was $29.6M (a 30.1% net margin), or $4.54 per diluted share. Net interest income was $87.8M, and the efficiency ratio (noninterest expense / revenue) was 52.8%. Operating activities generated $21.6M of cash, leaving $20.3M of free cash flow. At fiscal year end, Plumas Bancorp held $2.24B in total assets against $1.98B in total liabilities, including $80.6M of cash and equivalents.
Open the full interactive Plumas Bancorp financials → Quarterly statements, key ratios, valuation history and price charts.
Plumas Bancorp Key Stats
| Share Price | $61.64 |
|---|---|
| Market Cap | $435.1M |
| P/E Ratio | 13.6 |
| Revenue YoY Growth | +19.2% |
| 52-Week Range | $39.39 – $63.57 |
| Shares Outstanding | 7.0 million (basic, 2026 Q2) |
Plumas Bancorp Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Net Interest Income | $38.4M | $46.9M | $58.5M | $69.8M | $73.7M | $87.8M |
| Provision for Credit Losses | $3.2M | $1.1M | $1.3M | $2.6M | $1.2M | $6.8M |
| Noninterest Income | $8.5M | $8.7M | $11.1M | $10.7M | $8.8M | $10.5M |
| Noninterest Expense | $23.7M | $26.0M | $32.6M | $37.5M | $42.3M | $51.9M |
| Revenue | $46.9M | $55.6M | $69.6M | $80.5M | $82.5M | $98.3M |
| Pre-Tax Income | $20.0M | $28.5M | $35.7M | $40.2M | $39.0M | $39.6M |
| Income Tax | $5.5M | $7.5M | $9.2M | $10.4M | $10.4M | $10.0M |
| Net Income | $14.5M | $21.0M | $26.4M | $29.8M | $28.6M | $29.6M |
| Diluted EPS | $2.77 | $3.76 | $4.47 | $5.02 | $4.80 | $4.54 |
Plumas Bancorp Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $27.4M | $28.6M | $28.1M | $28.8M |
| Net Income | $5.1M | $11.0M | $9.8M | $10.0M |
| Diluted EPS | $0.73 | $1.68 | $1.38 | $1.41 |
Plumas Bancorp Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $184.9M | $380.6M | $183.4M | $85.7M | $82.0M | $80.6M |
| Loans (Net) | $700.8M | $829.4M | $904.0M | — | — | $1.50B |
| Total Assets | $1.11B | $1.61B | $1.62B | $1.61B | $1.62B | $2.24B |
| Deposits | $974.0M | $1.44B | $1.46B | $1.33B | $1.37B | $1.81B |
| Total Long-Term Debt | $15.3M | $10.3M | $10.3M | $90.0M | $15.0M | $21.0M |
| Total Liabilities | $1.01B | $1.48B | $1.50B | $1.46B | $1.45B | $1.98B |
| Shareholders' Equity | $100.2M | $134.1M | $119.0M | $147.3M | $177.9M | $261.1M |
Plumas Bancorp Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | $24.6M | -$8.4M | $56.9M | $38.3M | $30.5M | $21.6M |
| Cash From Investing | -$114.4M | -$79.8M | -$270.8M | -$90.6M | $10.2M | $70.3M |
| Cash From Financing | $227.7M | $283.9M | $16.7M | -$45.6M | -$44.4M | -$93.3M |
| Free Cash Flow | $23.0M | -$9.3M | $53.9M | $36.1M | $29.8M | $20.3M |
Figures from Plumas Bancorp's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full Plumas Bancorp financials page for every line item.
Plumas Bancorp Company Profile
| Ticker | PLBC |
|---|---|
| Exchange | Nasdaq |
| Industry | Short-Term Business Credit Institutions |
| Headquarters | Reno, Nevada |
| Incorporated in | California |
| Fiscal Year End | December 31 |
| SEC Filer Category | Non-accelerated filer, smaller reporting company |
| SEC CIK | 0001168455 |
Frequently Asked Questions
What was Plumas Bancorp's revenue in fiscal 2025?
Plumas Bancorp (PLBC) reported revenue of $98.3M for fiscal 2025.
What is Plumas Bancorp's annual revenue history?
Plumas Bancorp's annual revenue by fiscal year: 2020: $46.9M; 2021: $55.6M; 2022: $69.6M; 2023: $80.5M; 2024: $82.5M; 2025: $98.3M.
What was Plumas Bancorp's net income in fiscal 2025?
Plumas Bancorp reported net income of $29.6M for fiscal 2025.
What was Plumas Bancorp's earnings per share (EPS) in fiscal 2025?
Plumas Bancorp's diluted EPS was $4.54 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did Plumas Bancorp generate in fiscal 2025?
Plumas Bancorp generated $20.3M of free cash flow in fiscal 2025.
What was Plumas Bancorp's revenue last quarter?
In its most recent reported quarter (2026 Q2), Plumas Bancorp reported revenue of $28.8M.
How much debt does Plumas Bancorp have?
Plumas Bancorp reported $21.0M of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of Plumas Bancorp are outstanding?
Plumas Bancorp reported a weighted average of 7.0 million basic shares outstanding in 2026 Q2.
What is Plumas Bancorp's market cap?
Based on its latest closing price, Plumas Bancorp (PLBC) has a market capitalization of about $435.1M.
When does Plumas Bancorp's fiscal year end?
Plumas Bancorp's fiscal year end, as registered with the SEC, is December 31.
Where is Plumas Bancorp headquartered?
Plumas Bancorp lists its business address in Reno, Nevada in its SEC filings.
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