What is Plumas Bancorp's earnings per share (EPS)?

Plumas Bancorp (PLBC) reported diluted earnings per share of $4.54 for fiscal year 2025. This represents a -5.4% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Plumas Bancorp (PLBC) Financials

PLBC

Trailing 12 months to June 30, 2026

Revenue $112.9M +33.5% YoY

Net Income $35.8M +23.2% YoY

EPS (Diluted) $5.12 +5.3% YoY

Free Cash Flow $31.7M +25.0% YoY

Market Cap $429.9M as of Oct 8, 2026

Price / Sales 3.8x on $112.9M revenue, trailing 12 months to June 30, 2026

Price / Earnings 12.0x on $35.8M net income, trailing 12 months to June 30, 2026

Price / Book 1.6x on $272.1M equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 8, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 5, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 5, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the PLBC SEC filings page.

Plumas Bancorp (PLBC) reported $112.9M in revenue over the twelve months to Jun 30, 2026, up 33.5% from the prior twelve months. 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).

Rhea AI PLBC FY2025 2026-10-04

FY2025 shows a larger banking balance sheet producing nearly unchanged earnings, as funding costs and share count dilute returns.

Assets grew 37.9% in FY2025, while net income rose only 3.5%. ROA fell to 1.3%, indicating the expansion added earning capacity less efficiently.

Revenue reached $98.3M in FY2025, but net profit margin fell to 30.1%. Interest expense rose to $13.9M from $10.6M, a plausible mechanism for the weaker profit conversion. The share count rose to 7.0M while EPS fell to $4.54, so per-share earnings weakened even though total net income remained broadly stable.

Operating cash flow fell to $21.6M from $30.5M while net income increased, showing that reported earnings converted into less cash. Free cash flow was $20.3M and dividends reached $7.7M; distributions rose alongside weaker internally generated cash.

Financial Health Signals

Financial Health Score 62/100

Scored as: Banks peer group

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 Bancorp'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.

Earnings

Plumas Bancorp earned a return on assets of 1.3% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is down from 1.8% the prior year. Earnings ranks banks on that return over three years, and Plumas Bancorp scores 87/100 among other banks.

Growth

Plumas Bancorp reported revenue of $98.3M in fiscal year 2025, against $82.5M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Plumas Bancorp scores 61/100 among other banks.

Capital

Plumas Bancorp funded 11.7% of its assets with shareholders' equity at the end of fiscal year 2025, holding $261.1M of equity against $2.2B of assets. Capital ranks banks on that cushion, and Plumas Bancorp scores 54/100 among other banks.

Efficiency

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Plumas Bancorp scores 87/100 on it among other banks.

Credit Quality

Not available for Plumas Bancorp, and counted as zero in the overall score.

Stability

Plumas Bancorp reported net income of $29.6M in fiscal year 2025, against $28.6M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and Plumas Bancorp scores 82/100 among other banks.

Piotroski F-Score Partial

2/6

Plumas Bancorp 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.

Earnings Quality Mixed

0.73x

For every $1 of reported earnings, Plumas Bancorp 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

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Earnings & Revenue

Revenue

$28.8M

YoY+40.0%

QoQ+2.2%

5Y CAGR+19.5%

10Y CAGR+13.8%

Plumas Bancorp generated $28.8M in revenue in Q2 2026. This represents an increase of 40.0% from the same quarter a year earlier. Against the prior quarter it is up 2.2%.

Net Income

$10.0M

YoY+57.6%

QoQ+2.0%

5Y CAGR+17.3%

10Y CAGR+18.4%

Plumas Bancorp reported $10.0M in net income in Q2 2026. This represents an increase of 57.6% from the same quarter a year earlier. Against the prior quarter it is up 2.0%.

EPS (Diluted)

$1.41

YoY+34.3%

QoQ+2.2%

5Y CAGR+10.7%

10Y CAGR+14.6%

Plumas Bancorp earned $1.41 per diluted share (EPS) in Q2 2026. This represents an increase of 34.3% from the same quarter a year earlier. Against the prior quarter it is up 2.2%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

$11.6M

YoY+467.9%

QoQ+24.6%

10Y CAGR+12.1%

Plumas Bancorp generated $11.6M in free cash flow in Q2 2026, representing cash available after capex. This represents an increase of 467.9% from the same quarter a year earlier. Against the prior quarter it is up 24.6%.

Cash & Debt

$135.5M

YoY+71.0%

QoQ+115.6%

5Y CAGR-11.1%

10Y CAGR+12.7%

Plumas Bancorp held $135.5M in cash as of Q2 2026; long-term debt is not reported for that period.

Dividends Per Share

$0.33

YoY+10.0%

QoQ0.0%

Plumas Bancorp paid $0.33 per share in dividends in Q2 2026. This represents an increase of 10.0% from the same quarter a year earlier. It is unchanged from the prior quarter.

Shares Outstanding

YoY+0.2%

QoQ-0.1%

5Y CAGR+3.7%

10Y CAGR+3.7%

Plumas Bancorp had 7M shares outstanding in Q2 2026. This represents an increase of 0.2% from the same quarter a year earlier. Against the prior quarter it is down 0.1%.

Margins & Returns

Net Margin

34.6%

YoY+3.9pp

QoQ-0.1pp

5Y change-3.4pp

10Y change+11.3pp

Plumas Bancorp's net profit margin was 34.6% in Q2 2026, showing the share of revenue converted to profit. This is up 3.9 percentage points from the same quarter a year earlier. Against the prior quarter it is down 0.1 percentage points.

Return on Equity

3.7%

YoY+0.4pp

QoQ0.0pp

5Y change-0.5pp

10Y change-0.3pp

Plumas Bancorp's ROE was 3.7% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is up 0.4 percentage points from the same quarter a year earlier. It is unchanged from the prior quarter.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Share Buybacks

$756K

QoQ-62.7%

Plumas Bancorp spent $756K on share buybacks in Q2 2026, returning capital to shareholders by reducing shares outstanding. Against the prior quarter it is down 62.7%.

Capital Expenditures

$132K

YoY+325.8%

QoQ-3.6%

5Y CAGR+17.5%

10Y CAGR+2.2%

Plumas Bancorp invested $132K in capex in Q2 2026, funding long-term assets and infrastructure. This represents an increase of 325.8% from the same quarter a year earlier. Against the prior quarter it is down 3.6%.

R&D Spending

Not reported for Q2 2026.

PLBC Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

PLBC quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$112.9M	$98.3M+19.2%	$82.5M+2.4%	$80.5M+15.8%	$69.6M+25.0%	$55.6M+18.8%	$46.9M+2.6%	$45.7M+8.9%	$42.0M+15.9%	$36.2M+14.1%	$31.7M+8.9%	$29.1M+8.8%	$26.8M+9.0%	$24.6M+3.5%	$23.7M-1.0%	$24.0M
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 (Basic)	N/A	$4.60-5.2%	$4.85-4.5%	$5.08+12.1%	$4.53+18.6%	$3.82+36.4%	$2.80-7.0%	$3.01+9.9%	$2.74+67.1%	$1.64+6.5%	$1.54+27.3%	$1.21+22.2%	$0.99+30.3%	$0.76+192.3%	$0.26+420.0%	$0.05
EPS (Diluted)	$5.12	$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
Diluted Shares (Avg)	N/A	7M+9.2%	6M+0.6%	6M+0.4%	6M+5.9%	6M+6.7%	5M0.0%	5M+0.2%	5M+0.7%	5M+1.7%	5M+0.8%	5M+1.6%	5M+1.9%	5M	5M	5M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$28.8M+40.0%	$28.1M+29.3%	$28.6M+35.1%	$27.4M+29.9%	$20.5M-0.3%	$21.8M+11.0%	$21.2M+5.8%	$21.1M+5.3%
SG&A Expenses	$7.5M+35.4%	$7.7M+31.5%	$7.2M+27.7%	$7.4M+35.3%	$5.6M+5.1%	$5.9M+9.6%	$5.6M+6.5%	$5.5M+7.2%
Interest Expense	$4.4M+77.7%	$4.2M+106.1%	$4.8M+105.0%	$4.6M+54.5%	$2.5M-11.1%	$2.1M-20.2%	$2.3M+23.8%	$3.0M+129.6%
Income Tax	$3.7M+57.2%	$3.4M+19.6%	$3.0M+3.3%	$1.8M-38.0%	$2.4M-6.0%	$2.9M+34.4%	$2.9M+10.8%	$2.9M+0.5%
Net Income	$10.0M+57.6%	$9.8M+36.0%	$11.0M+41.6%	$5.1M-34.3%	$6.3M-6.9%	$7.2M+14.8%	$7.7M+3.0%	$7.8M-1.8%
EPS (Basic)	$1.43+33.6%	$1.40+15.7%	$1.62+23.7%	$0.74-44.4%	$1.07-7.0%	$1.21+14.2%	$1.31+2.3%	$1.33-2.2%
EPS (Diluted)	$1.41+34.3%	$1.38+15.0%	$1.60+23.1%	$0.73-44.3%	$1.05-7.9%	$1.20+14.3%	$1.30+2.4%	$1.31-2.2%
Diluted Shares (Avg)	7M+17.5%	7M+17.8%	N/A	7M+17.8%	6M+1.0%	6M+0.9%	N/A	6M+0.6%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

PLBC Balance Sheet

PLBC quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
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
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
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

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$2.3B+39.9%	$2.2B+34.7%	$2.2B+37.9%	$2.2B+34.0%	$1.6B-0.8%	$1.6B-0.4%	$1.6B+0.8%	$1.7B+5.8%
Cash & Equivalents	$135.5M+71.0%	$62.9M-28.0%	$80.6M-1.7%	$87.3M-26.0%	$79.3M-27.8%	$87.3M-31.9%	$82.0M-4.2%	$118.0M+30.2%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$24.2M+340.1%	$24.2M+340.1%	$24.2M+340.1%	$24.2M+340.1%	$5.5M0.0%	$5.5M0.0%	$5.5M0.0%	$5.5M0.0%
Total Liabilities	$2.0B+39.7%	$1.9B+33.8%	$2.0B+36.8%	$2.0B+33.8%	$1.4B-2.8%	$1.4B-2.2%	$1.4B-1.2%	$1.5B+2.0%
Total Equity	$272.1M+40.9%	$265.4M+41.5%	$261.1M+46.8%	$245.9M+35.2%	$193.1M+16.9%	$187.6M+16.2%	$177.9M+20.8%	$181.9M+51.7%
Retained Earnings	$211.0M+14.7%	$203.4M+13.3%	$195.9M+12.6%	$187.0M+11.4%	$184.0M+13.8%	$179.4M+14.7%	$174.0M+14.7%	$167.8M+15.2%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities, Long-Term Debt.

PLBC Cash Flow Statement

PLBC quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
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
Depreciation & Amortization	N/A	$1.5M+18.5%	$1.3M-9.4%	$1.4M+6.2%	$1.3M+14.0%	$1.2M+8.5%	$1.1M+3.2%	$1.1M+14.1%	$925K-2.9%	$953K-6.9%	$1.0M-2.9%	$1.1M-8.0%	$1.1M-1.6%	$1.2M-1.3%	$1.2M-4.2%	$1.2M
Stock-Based Compensation	N/A	$343K-31.7%	$502K+55.9%	$322K+22.9%	$262K+17.5%	$223K-12.5%	$255K+13.8%	$224K+12.6%	$199K+30.9%	$152K+31.0%	$116K+65.7%	$70K-13.6%	$81K+113.2%	$38K-60.0%	$95K+427.6%	-$29K
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

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$11.7M+465.8%	$9.4M+25.4%	$6.4M-22.6%	$5.6M-29.8%	$2.1M-59.3%	$7.5M-18.1%	$8.3M+1487.0%	$8.0M-35.6%
Depreciation & Amortization	$450K+25.3%	$454K+25.1%	-$251K-254.0%	$1.1M+157.6%	$359K+32.5%	$363K-19.0%	$163K-22.0%	$413K-6.8%
Stock-Based Compensation	$150K+56.3%	$121K+47.6%	N/A	$93K-29.0%	$96K-26.7%	$82K-18.0%	N/A	$131K+50.6%
Capital Expenditures	$132K+325.8%	$137K-20.8%	$306K+183.3%	$801K+437.6%	$31K-86.5%	$173K-9.4%	$108K-60.4%	$149K+112.9%
Free Cash Flow	$11.6M+467.9%	$9.3M+26.5%	$6.1M-25.3%	$4.8M-38.7%	$2.0M-58.0%	$7.3M-18.3%	$8.2M+3183.5%	$7.8M-36.5%
Investing Cash Flow	-$6.1M-528.4%	$14.1M+2138.5%	$526K+106.6%	$67.7M+2502.9%	$1.4M+106.7%	$629K-98.5%	-$8.0M+64.0%	-$2.8M+81.5%
Financing Cash Flow	$67.1M+680.8%	-$41.2M-1360.3%	-$13.6M+62.5%	-$65.3M-2322.9%	-$11.6M-438.2%	-$2.8M+68.3%	-$36.3M-317.3%	$2.9M+80.0%
Dividends Paid	$2.3M+29.5%	$2.3M+30.2%	$2.1M+31.0%	$2.1M+30.9%	$1.8M+11.7%	$1.8M+11.5%	$1.6M+8.6%	$1.6M+8.5%
Share Buybacks	$756K	$2.0M	N/A	N/A	$0	$0	N/A	N/A

PLBC Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

PLBC quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Net Margin	30.1%-4.6pp	34.7%-2.3pp	37.0%-1.0pp	38.0%+0.3pp	37.8%+6.9pp	30.9%-3.1pp	34.0%+0.6pp	33.3%+10.7pp	22.6%-1.0pp	23.6%+3.6pp	20.0%+2.3pp	17.7%+3.7pp	14.0%+5.8pp	8.2%+4.3pp	3.9%
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
Asset Turnover	0.040.0x	0.050.0x	0.050.0x	0.040.0x	0.030.0x	0.040.0x	0.050.0x	0.050.0x	0.050.0x	0.050.0x	0.050.0x	0.050.0x	0.050.0x	0.050.0x	0.05
FCF Margin	20.6%-15.5pp	36.2%-8.6pp	44.8%-32.6pp	77.4%+94.2pp	-16.8%-65.9pp	49.1%+18.3pp	30.8%+2.8pp	28.1%-2.2pp	30.2%+4.1pp	26.2%+10.4pp	15.7%-3.4pp	19.1%-23.0pp	42.1%+21.6pp	20.6%-20.3pp	40.9%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Net Margin	34.6%+3.9pp	34.7%+1.7pp	38.4%+1.8pp	18.8%-18.3pp	30.8%-2.2pp	33.0%+1.1pp	36.6%-1.0pp	37.1%-2.7pp
Return on Equity	3.7%+0.4pp	3.7%-0.2pp	4.2%-0.2pp	2.1%-2.2pp	3.3%-0.8pp	3.8%0.0pp	4.4%-0.7pp	4.3%-2.4pp
Return on Assets	0.4%+0.1pp	0.4%0.0pp	0.5%0.0pp	0.2%-0.2pp	0.4%0.0pp	0.4%+0.1pp	0.5%0.0pp	0.5%0.0pp
Debt-to-Equity	7.37-0.1x	7.29-0.4x	7.57-0.6x	8.06-0.1x	7.43-1.5x	7.71-1.5x	8.12-1.8x	8.15-4.0x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x
FCF Margin	40.2%+30.3pp	33.0%-0.8pp	21.4%-17.3pp	17.5%-19.6pp	9.9%-13.6pp	33.7%-12.1pp	38.6%+37.4pp	37.1%-24.4pp

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
Plumas Bancorp PLBC	FY2025	$98.3M	$29.6M	30.1%	$429.9M	62/100
Bankwell Financial Group Inc BWFG	FY2025	$108.3M	$35.2M	32.5%	$520.7M	37/100
USCB Financial Holdings, Inc. USCB	FY2025	$90.2M	$26.1M	28.9%	$406.1M	58/100
PCB Bancorp PCB	FY2025	$115.7M	$37.5M	32.4%	$388.1M	54/100
Citizens Financial Services, Inc. CZFS	FY2025	$112.3M	$36.6M	32.6%	$379.7M	59/100
Farmers & Merchants Bancorp, Inc. FMAO	FY2025	$121.4M	$33.3M	27.4%	$480.7M	44/100

Where Plumas Bancorp Ranks

Frequently Asked Questions

What is Plumas Bancorp's annual revenue?

Plumas Bancorp (PLBC) reported $98.3M in total revenue for fiscal year 2025. This represents a 19.2% 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 Bancorp's revenue growing?

Plumas Bancorp (PLBC) revenue grew by 19.2% year-over-year, from $82.5M to $98.3M in fiscal year 2025.

Is Plumas Bancorp profitable?

Yes, Plumas Bancorp (PLBC) reported a net income of $29.6M in fiscal year 2025, with a net profit margin of 30.1%.

What is Plumas Bancorp's net profit margin?

Plumas Bancorp (PLBC) had a net profit margin of 30.1% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Plumas Bancorp pay dividends?

Yes, Plumas Bancorp (PLBC) paid $1.20 per share in dividends during fiscal year 2025.

What is Plumas Bancorp's return on equity (ROE)?

Plumas Bancorp (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 Bancorp's free cash flow?

Plumas Bancorp (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 Bancorp's operating cash flow?

Plumas Bancorp (PLBC) generated $21.6M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Plumas Bancorp's total assets?

Plumas Bancorp (PLBC) had $2.2B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Plumas Bancorp's capital expenditures?

Plumas Bancorp (PLBC) invested $1.3M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

How many shares does Plumas Bancorp have outstanding?

Plumas Bancorp (PLBC) had 7M shares outstanding as of fiscal year 2025.

What is Plumas Bancorp's debt-to-equity ratio?

Plumas Bancorp (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 Bancorp's return on assets (ROA)?

Plumas Bancorp (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 Bancorp's P/E ratio?

Plumas Bancorp (PLBC) trades at 12.0x earnings, its market capitalization divided by net income of $35.8M net income, trailing 12 months to June 30, 2026. The market capitalization is $429.9M as of Oct 8, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Plumas Bancorp's price-to-sales ratio?

Plumas Bancorp (PLBC) trades at 3.8x sales, its market capitalization divided by revenue of $112.9M revenue, trailing 12 months to June 30, 2026. The market capitalization is $429.9M as of Oct 8, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is Plumas Bancorp's Piotroski F-Score?

Plumas Bancorp (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 Bancorp's earnings high quality?

Plumas Bancorp (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 Bancorp?

Plumas Bancorp (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.