Plumas Bancorp
PLBC Nasdaq· Short-Term Business Credit Institutions
Last close · Oct 23, 2026
$63.20
KIRA · Stoqly’s AI analyst, in plain words
- Plumas Bancorp had $98.3M of revenue in fiscal 2025, up 19.2% on the year before. Over five years, revenue changed +111.5% a year on average.
- Plumas Bancorp made $29.6M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 13.3% a year.
- Free cash flow was $20.3M in fiscal 2025, 20.6% of revenue.
- Plumas Bancorp returned $7.7M to shareholders in fiscal 2025, 38% of free cash flow. The diluted share count rose 9.2%.
Market cap
$446M
P/E
12.4x
Revenue
$98.3M
Net income
$29.6M
Free cash flow
$20.3M
Operating margin
—
Plumas Bancorp in 30 seconds · fiscal 2025
Are sales growing?
+19.2%
Yes. Sales grew 19.2% last year.
Does it make a profit?
30.1%
Yes. It keeps 30.1% of every sale as profit.
Does profit turn into cash?
20.6%
Yes. 20.6% of sales ends up as free cash.
How is the share priced?
12.4x
One share costs 12.4 times its yearly profit per share.
What Plumas Bancorp does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 19, 2026
- Legal name
- PLUMAS BANCORP
- CIK
- 0001168455
Plumas Bancorp · PLBC
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $55.7M | $69.6M | $80.5M | $82.5M | $98.3M |
| Revenue growth | 2,295.6% | 25.0% | 15.8% | 2.4% | 19.2% |
| Net interest income | $46.9M | $58.5M | $69.8M | $73.7M | $87.8M |
| Net income | $21.0M | $26.4M | $29.8M | $28.6M | $29.6M |
| Net margin | 37.8% | 38.0% | 37.0% | 34.7% | 30.1% |
| Diluted EPS | $3.76 | $4.47 | $5.02 | $4.80 | $4.54 |
| Cash | |||||
| Cash from operations | −$8.4M | $56.9M | $38.3M | $30.5M | $21.6M |
| Capital expenditure | $0.9M | $3.0M | $2.3M | $0.7M | $1.3M |
| Free cash flow | −$9.3M | $53.9M | $36.1M | $29.8M | $20.3M |
| FCF margin | −16.8% | 77.4% | 44.8% | 36.2% | 20.6% |
| Dividends paid | $3.1M | $3.7M | $5.9M | $6.4M | $7.7M |
| Share count change | 6.7% | 5.9% | 0.4% | 0.6% | 9.2% |
| Debt and strength | |||||
| Cash and short-term investments | $381M | $183M | $85.7M | $82.0M | $80.6M |
| Debt incl. finance leases | $0.0M | $0.0M | — | — | — |
| Loans, net | $829M | $904M | — | $1.0B | $1.5B |
| Deposits | $1.4B | $1.5B | $1.3B | $1.4B | $1.8B |
| Shareholders' equity | $134M | $119M | $147M | $178M | $261M |
| Returns and quality | |||||
| Return on equity | 17.9% | 20.9% | 22.4% | 17.6% | 13.5% |
| Return on tangible equity | 16.3% | 23.3% | 21.0% | 16.7% | 13.1% |
| Efficiency ratio | 46.8% | 46.9% | 46.6% | 51.3% | 52.8% |
| Piotroski F-score | — | 5 | — | — | — |
Insiders bought, 12 months
$0.0M
2 insiders
Insiders sold, 12 months
$0.1M
2 insiders
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Operating margin:
- Operating income as a share of revenue.
- Net income:
- Profit after all expenses, interest and tax.
- Free cash flow:
- Cash from operations minus capital spending.
- Net debt / EBITDA:
- Years of EBITDA needed to pay off net debt. Below zero means more cash than debt.
- Return on capital:
- After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.
Plumas Bancorp · PLBC
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Margins, % of revenue
Cash vs debt (incl. leases)
Free cash flow
Dividends and buybacks
KIRA
At $63.20 a share, the company is worth $446M: 12.4 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0001168455). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.