Plumas Financials
Plumas (PLBC) reported $101.6M in revenue for fiscal year 2025, up 20.5% from the prior fiscal year. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Balance-sheet expansion drove the latest year, but earning efficiency weakened because assets grew faster than profits.
Over the last two valid years, assets expanded from$1.61B to$2.24B while earnings stayed roughly flat, so the bigger balance sheet did not translate into comparable profit. That is why return on assets slid from1.9% to1.3% : the institution got bigger faster than it got more profitable.
Even as liabilities grew, equity accumulation reduced debt-to-equity from 8.1x to 7.6x, showing the latest expansion came with a thicker capital cushion. Because reported long-term debt remained
In the latest year, share count rose from 5.9M to 7.0M while profit barely moved, which helps explain why diluted EPS fell even though revenue improved. Dividends per share also increased to
Financial Health Signals
Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of Plumas's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Not available for Plumas, and counted as zero in the overall score.
Plumas passes 2 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 2 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), neither operating efficiency signal passes.
For every $1 of reported earnings, Plumas generates $0.73 in operating cash flow ($21.6M OCF vs $29.6M net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.
Key Financial Metrics
Earnings & Revenue
Plumas generated $101.6M in revenue in fiscal year 2025. This represents an increase of 20.5% from the prior year.
Plumas reported $29.6M in net income in fiscal year 2025. This represents an increase of 3.5% from the prior year.
Plumas earned $4.54 per diluted share (EPS) in fiscal year 2025. This represents a decrease of 5.4% from the prior year.
Not reported for fiscal year 2025.
Cash & Balance Sheet
Plumas generated $20.3M in free cash flow in fiscal year 2025, representing cash available after capex. This represents a decrease of 32.0% from the prior year.
Plumas held $80.6M in cash as of fiscal year 2025; long-term debt is not reported for that period.
Plumas paid $1.20 per share in dividends in fiscal year 2025. This represents an increase of 11.1% from the prior year.
Margins & Returns
Plumas's net profit margin was 29.1% in fiscal year 2025, showing the share of revenue converted to profit. This is down 4.8 percentage points from the prior year.
Plumas's ROE was 11.3% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 4.7 percentage points from the prior year.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
Capital Allocation
Plumas invested $1.3M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 93.4% from the prior year.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
PLBC Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | TTM | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $159.9M | $101.6M+20.5% | $84.3M+13.0% | $74.6M+24.8% | $59.8M+24.3% | $48.1M+1969.3% | $2.3M-13.8% | $2.7M+4.6% | $2.6M+4.4% | $2.5M-90.2% | $25.1M+11.0% | $22.6M+6.9% | $21.1M+8.7% | $19.5M+5.6% | $18.4M-1.3% | $18.7M |
| SG&A Expenses | $29.8M | $26.0M+19.7% | $21.7M+7.0% | $20.3M+16.4% | $17.5M+36.4% | $12.8M-3.7% | $13.3M+2.1% | $13.0M+7.2% | $12.1M+5.5% | $11.5M+10.2% | $10.4M+1.6% | $10.3M+8.5% | $9.5M+8.5% | $8.7M-2.7% | $9.0M-2.5% | $9.2M |
| Interest Expense | $18.0M | $13.9M+30.5% | $10.6M+121.6% | $4.8M+284.1% | $1.2M+9.9% | $1.1M-7.5% | $1.2M-29.7% | $1.7M+41.3% | $1.2M+21.5% | $1.0M-0.6% | $1.0M-15.0% | $1.2M-28.9% | $1.7M+10.4% | $1.5M+20.4% | $1.3M-31.1% | $1.8M |
| Income Tax | $11.9M | $10.0M-3.9% | $10.4M-0.5% | $10.4M+13.1% | $9.2M+23.4% | $7.5M+36.5% | $5.5M-6.7% | $5.9M+14.3% | $5.1M-29.8% | $7.3M+53.7% | $4.8M+28.0% | $3.7M+20.4% | $3.1M+42.4% | $2.2M+102.5% | $1.1M+262.7% | $295K |
| Net Income | $35.8M | $29.6M+3.5% | $28.6M-3.9% | $29.8M+12.6% | $26.4M+25.9% | $21.0M+45.1% | $14.5M-6.7% | $15.5M+10.9% | $14.0M+70.9% | $8.2M+9.6% | $7.5M+28.5% | $5.8M+22.8% | $4.7M+38.1% | $3.4M+75.9% | $1.9M+107.2% | $941K |
| EPS (Diluted) | — | $4.54-5.4% | $4.80-4.4% | $5.02+12.3% | $4.47+18.9% | $3.76+35.7% | $2.77-6.7% | $2.97+10.8% | $2.68+69.6% | $1.58+7.5% | $1.47+27.8% | $1.15+21.1% | $0.95+26.7% | $0.75 | $0.26 | $0.05 |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income.
TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
PLBC Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | $2.2B+37.9% | $1.6B+0.8% | $1.6B-0.7% | $1.6B+0.4% | $1.6B+45.2% | $1.1B+28.5% | $865.2M+4.9% | $824.4M+10.6% | $745.4M+13.3% | $658.0M+9.8% | $599.3M+11.2% | $538.9M+4.5% | $515.7M+7.9% | $477.8M+4.9% | $455.3M |
| Cash & Equivalents | $80.6M-1.7% | $82.0M-4.2% | $85.7M-53.3% | $183.4M-51.8% | $380.6M+105.8% | $184.9M+293.9% | $46.9M+0.5% | $46.7M-46.7% | $87.5M+39.7% | $62.6M-8.1% | $68.2M+49.6% | $45.6M-8.7% | $49.9M+11.7% | $44.7M-29.2% | $63.1M |
| Goodwill | $24.2M+340.1% | $5.5M0.0% | $5.5M0.0% | $5.5M0.0% | $5.5M | $0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Liabilities | $2.0B+36.8% | $1.4B-1.2% | $1.5B-2.6% | $1.5B+1.5% | $1.5B+46.3% | $1.0B+29.6% | $780.7M+3.1% | $757.5M+9.8% | $689.7M+13.1% | $610.0M+9.6% | $556.8M+10.8% | $502.4M+3.6% | $485.1M+11.3% | $436.0M+4.9% | $415.7M |
| Long-Term Debt | N/A | N/A | N/A | $0 | $0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Equity | $261.1M+46.8% | $177.9M+20.8% | $147.3M+23.8% | $119.0M-11.2% | $134.1M+33.9% | $100.2M+18.5% | $84.5M+26.3% | $66.9M+20.2% | $55.7M+16.1% | $48.0M+12.9% | $42.5M+16.4% | $36.5M+19.3% | $30.6M-26.9% | $41.9M+5.6% | $39.6M |
| Retained Earnings | $195.9M+12.6% | $174.0M+14.7% | $151.7M+18.2% | $128.4M+21.5% | $105.7M+20.4% | $87.8M+16.8% | $75.1M+21.2% | $62.0M+24.4% | $49.9M+15.8% | $43.0M+19.4% | $36.1M+19.2% | $30.2M+18.6% | $25.5M+8.2% | $23.6M+8.6% | $21.7M |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities.
PLBC Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | TTM | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $33.1M | $21.6M-29.2% | $30.5M-20.4% | $38.3M-32.6% | $56.9M+775.8% | -$8.4M-134.2% | $24.6M+59.1% | $15.5M-1.0% | $15.6M+36.3% | $11.5M+29.0% | $8.9M+23.1% | $7.2M+35.2% | $5.3M-50.1% | $10.7M+84.4% | $5.8M-42.4% | $10.1M |
| Capital Expenditures | $1.4M | $1.3M+93.4% | $678K-70.2% | $2.3M-24.6% | $3.0M+224.7% | $931K-42.0% | $1.6M+15.0% | $1.4M-63.9% | $3.9M+628.1% | $531K-11.5% | $600K-77.3% | $2.6M+1075.6% | $225K-36.1% | $352K-61.5% | $915K+237.6% | $271K |
| Free Cash Flow | $31.7M | $20.3M-32.0% | $29.8M-17.3% | $36.1M-33.1% | $53.9M+676.1% | -$9.3M-140.6% | $23.0M+63.5% | $14.1M+19.6% | $11.8M+7.5% | $10.9M+31.9% | $8.3M+81.1% | $4.6M-10.5% | $5.1M-50.6% | $10.4M+111.8% | $4.9M-50.2% | $9.8M |
| Investing Cash Flow | $76.2M | $70.3M+586.3% | $10.2M+111.3% | -$90.6M+66.6% | -$270.8M-239.3% | -$79.8M+30.2% | -$114.4M-211.7% | -$36.7M+69.9% | -$121.9M-83.2% | -$66.5M-1.2% | -$65.8M | N/A | -$26.7M+36.5% | -$42.0M+3.9% | -$43.7M-416.2% | $13.8M |
| Financing Cash Flow | -$53.1M | -$93.3M-110.2% | -$44.4M+2.6% | -$45.6M-372.4% | $16.7M-94.1% | $283.9M+24.7% | $227.7M+960.0% | $21.5M-67.1% | $65.4M-18.2% | $79.9M+55.8% | $51.3M-4.8% | $53.9M+217.0% | $17.0M-53.5% | $36.6M+87.3% | $19.5M+176.6% | -$25.5M |
| Dividends Paid | $8.8M | $7.7M+21.3% | $6.4M+8.6% | $5.9M+56.9% | $3.7M+21.3% | $3.1M+65.1% | $1.9M-21.4% | $2.4M+28.8% | $1.8M+31.8% | $1.4M+185.9% | $489K | N/A | N/A | N/A | N/A | N/A |
Not reported in any period shown, so not listed: Share Buybacks.
TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
PLBC Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 29.1%-4.8pp | 33.9%-6.0pp | 39.9%-4.3pp | 44.3%+0.5pp | 43.7% | 623.1% | 575.6% | 543.2% | 331.9% | 29.8%+4.1pp | 25.7%+3.3pp | 22.4%+4.8pp | 17.6%+7.1pp | 10.6%+5.5pp | 5.0% |
| Return on Equity | 11.3%-4.7pp | 16.1%-4.1pp | 20.2%-2.0pp | 22.2%+6.6pp | 15.7%+1.2pp | 14.4%-3.9pp | 18.4%-2.5pp | 20.9%+6.2pp | 14.7%-0.9pp | 15.6%+1.9pp | 13.7%+0.7pp | 13.0%+1.8pp | 11.2%+6.6pp | 4.7%+2.3pp | 2.4% |
| Return on Assets | 1.3%-0.4pp | 1.8%-0.1pp | 1.8%+0.2pp | 1.6%+0.3pp | 1.3%0.0pp | 1.3%-0.5pp | 1.8%+0.1pp | 1.7%+0.6pp | 1.1%0.0pp | 1.1%+0.2pp | 1.0%+0.1pp | 0.9%+0.2pp | 0.7%+0.3pp | 0.4%+0.2pp | 0.2% |
| Debt-to-Equity | 7.57-0.6x | 8.12-1.8x | 9.93+9.9x | 0.000.0x | 0.00-10.1x | 10.10+0.9x | 9.24-2.1x | 11.32-1.1x | 12.38-0.3x | 12.71-0.4x | 13.10-0.7x | 13.76-2.1x | 15.86+5.4x | 10.42-0.1x | 10.49 |
| FCF Margin | 20.0%-15.4pp | 35.4%-13.0pp | 48.3%-41.8pp | 90.1%+109.6pp | -19.4% | 991.1% | 522.5% | 457.0% | 443.7% | 33.1%+12.8pp | 20.3%-4.0pp | 24.2%-29.0pp | 53.2%+26.7pp | 26.5%-26.0pp | 52.6% |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
Reported as filed but not readable as a share of revenue in the periods where the ratio runs further from zero than a revenue base allows; no change figure is given where either compared period is one of those: Net Margin, FCF Margin.
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Where Plumas Ranks
Frequently Asked Questions
What is Plumas's annual revenue?
Plumas (PLBC) reported $101.6M in total revenue for fiscal year 2025. This represents a 20.5% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Plumas's revenue growing?
Plumas (PLBC) revenue grew by 20.5% year-over-year, from $84.3M to $101.6M in fiscal year 2025.
Is Plumas profitable?
Yes, Plumas (PLBC) reported a net income of $29.6M in fiscal year 2025, with a net profit margin of 29.1%.
What is Plumas's net profit margin?
Plumas (PLBC) had a net profit margin of 29.1% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
Does Plumas pay dividends?
Yes, Plumas (PLBC) paid $1.20 per share in dividends during fiscal year 2025.
What is Plumas's return on equity (ROE)?
Plumas (PLBC) has a return on equity of 11.3% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Plumas's free cash flow?
Plumas (PLBC) generated $20.3M in free cash flow during fiscal year 2025. This represents a -32.0% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Plumas's operating cash flow?
Plumas (PLBC) generated $21.6M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Plumas's total assets?
Plumas (PLBC) had $2.2B in total assets as of fiscal year 2025, including both current and long-term assets.
What are Plumas's capital expenditures?
Plumas (PLBC) invested $1.3M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is Plumas's debt-to-equity ratio?
Plumas (PLBC) had a debt-to-equity ratio of 7.57 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Plumas's return on assets (ROA)?
Plumas (PLBC) had a return on assets of 1.3% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is Plumas's Piotroski F-Score?
Plumas (PLBC) has a Piotroski F-Score of 2 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Plumas's earnings high quality?
Plumas (PLBC) has an earnings quality ratio of 0.73x, considered mixed quality. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
How financially healthy is Plumas?
Plumas (PLBC) scores 62 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.