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Plumas Bancorp operates as the bank holding company for the Plumas Bank that provides various banking products and services for small and middle market businesses and individuals. The company accepts various deposits, such as checking, money market checking, business sweep, public funds sweep, savings, and retirement accounts, as well as time and remote deposits. Its loan portfolio comprises personal and commercial loans, real estate, construction, agricultural, and government-guaranteed loans; residential and home equity lines of credit; land development and construction loans; automobile loans; consumer loans; purchased credit deteriorated (PCD) and non-PCD loans; and small business administration loans. In addition, the company provides telephone and mobile banking, internet banking with bill-pay options, cashier's check, bank-by-mail, automated teller machine, night depository, safe deposit box, direct and mobile deposit, electronic funds transfer, FedNow®-receive Service, and other customary banking services. Plumas Bancorp was founded in 1980 and is headquartered in Reno, Nevada.
5-year financial trends. Figures in USD millions.
Latest fiscal year: 2025
Year-by-year revenue, profitability, and cash flow (USD millions, last 10 years)
| Year | Revenue | EBITDA | Net Profit | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|
| 2025 | $92M | - | $30M | $20M | 11.3% | 48.5% | 3.5% |
| 2024 | $62M | - | $29M | $30M | 16.1% | -22.3% | -3.9% |
| 2023 | $80M | - | $30M | $36M | 20.2% | 15.6% | 12.6% |
| 2022 | $69M | - | $26M | $54M | 22.2% | - | - |
Income statement, balance sheet, and cash flow as reported
Consolidated Figures in USD Millions.
| Metric | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total Revenue | 69.28 | 80.09 | 62.23 | 92.42 |
| Pretax Income | 35.67 | 40.21 | 39 | 39.59 |
| Tax Provision | 9.22 | 10.44 | 10.38 | 9.97 |
| Net Income | 26.44 | 29.78 | 28.62 | 29.62 |
| Net Income Common Stockholders | 26.44 | 29.78 | 28.62 | 29.62 |
| Interest Expense | 1.25 | 4.80 | 10.63 | 13.88 |
| Interest Income | 59.76 | 74.59 | 84.33 | 101.65 |
| Selling General And Administration | 19.26 | 22.76 | 24.25 | 28.74 |
| Normalized Income | 26.44 | 29.78 | 14.05 | 26.94 |
| Basic EPS | 4.53 | 5.08 | 4.85 | 0 |
| Diluted EPS | 4.47 | 5.02 | 4.80 | 0 |
| Tax Effect Of Unusual Items | 0 | 0 | 5.29 | 0.90 |
| Tax Rate For Calcs | 0.26 | 0.26 | 0.27 | 0.25 |
| Total Unusual Items | 0 | 0 | 19.85 | 3.58 |
| Total Unusual Items Excluding Goodwill | 0 | 0 | 19.85 | 3.58 |
| Net Income From Continuing Operation Net Minority Interest | 26.44 | 29.78 | 28.62 | 29.62 |
| Reconciled Depreciation | 1.90 | 1.67 | 1.50 | 2.83 |
| Net Interest Income | 58.51 | 69.79 | 73.69 | 87.77 |
| Net Income From Continuing And Discontinued Operation | 26.44 | 29.78 | 28.62 | 29.62 |
| Diluted Average Shares | 5.91 | 5.93 | 5.97 | 0 |
| Basic Average Shares | 5.84 | 5.86 | 5.89 | 0 |
| Diluted NI Availto Com Stockholders | 26.44 | 29.78 | 28.62 | 29.62 |
| Net Income Including Noncontrolling Interests | 26.44 | 29.78 | 28.62 | 29.62 |
| Net Income Continuous Operations | 26.44 | 29.78 | 28.62 | 29.62 |
| Special Income Charges | 0 | 0 | 19.85 | 3.58 |
| Other Special Charges | 0 | 0 | -19.85 | -5.54 |
| Restructuring And Mergern Acquisition | 0 | 0 | 0 | 1.96 |
| Gain On Sale Of Security | 0 | 0 | -19.82 | -5.81 |
| Depreciation Amortization Depletion Income Statement | 0.28 | 0.24 | 0.20 | 1.30 |
| Depreciation And Amortization In Income Statement | 0.28 | 0.24 | 0.20 | 1.30 |
| Amortization | 0.28 | 0.24 | 0.20 | 1.30 |
| Amortization Of Intangibles Income Statement | 0.28 | 0.24 | 0.20 | 1.30 |
| Selling And Marketing Expense | 0.67 | 0.94 | 1.03 | 1.15 |
| General And Administrative Expense | 18.59 | 21.82 | 23.22 | 27.60 |
| Other Gand A | 0.78 | 0 | 0 | 0 |
| Insurance And Claims | 0.53 | 0.74 | 0.75 | 0.87 |
| Salaries And Wages | 18.06 | 21.08 | 22.47 | 26.73 |
| Operating Revenue | 69.28 | 80.09 | 62.23 | 92.42 |
| Occupancy And Equipment | 5.29 | 6.07 | 8.48 | 10.16 |
| Professional Expense And Contract Services Expense | 1.28 | 1.26 | 1.41 | 1.22 |
| Other Non Interest Expense | 6.21 | 6.78 | 7.54 | 8.13 |
Financial Services sector peers, ranked by market cap
| Company | Ticker | Market Cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|---|
| Plumas Bancorpthis co. | PLBC | $355M | 10.78↑ premium | 1.36 | 11.3% | - |
| Farmers & Merchants Bancorp, Inc. | FMAO | $367M | 10.18 | 0.97 | 9.0% | - |
| Regional Management Corp. | RM | $362M | 8.66 | 0.99 | 11.9% | 12.88 |
| Primis Financial Corp. | FRST | $361M | 7.68 | 0.85 | -4.4% | - |
| Parke Bancorp, Inc. | PKBK | $356M |
| 8.59 |
| 1.05 |
| 11.6% |
| - |
| PCB Bancorp | PCB | $343M | 8.65 | 1.06 | 9.6% | - |
| Pioneer Bancorp, Inc. | PBFS | $343M | 16.93 | 1.06 | 6.3% | - |
| USCB Financial Holdings, Inc. | USCB | $336M | 12.52 | 1.54 | 12.0% | - |
| Northeast Community Bancorp, Inc. | NECB | $336M | 7.47 | 0.86 | 12.6% | - |
| Peer Median | - | 8.65 | 1.02 | 10.6% | 12.88 | |