PLBC

MKT CAP:$360M

Plumas Bancorp

Market Cap

$360M

Financial Services·Banks - Regional·🇺🇸 United States·NASDAQ

Financials·Banks - Regional·🇺🇸·NASDAQ

Stock Price

$52.01+$8.06 (+18.34%)

Apr 22, 2026

Company Details

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 in Northeastern California and Northwestern Nevada. The comp...

CEO

Andrew J. Ryback

IPO Date

Dec 11, 2002

Website

www.plumasbank.com

Key Metrics TTM

Revenue

$121M

+27.8% YoY

Net Income

$32M

EPS (Diluted)

$4.72

Free Cash Flow

$20M

Revenue / Share

$17.05

Gross Margin

81.5%

Operating Margin

35.4%

Net Margin

26.7%

FCF Margin

16.8%

P/S

3.0x

P/E

11.2x

Earnings Reports

Q1 2026

Apr 15, 2026

NEW

$32M+36.4%EPS $1.38

FY 2025

Mar 19, 2026

$108M+48.6%EPS $4.54

Q4 2025

Mar 19, 2026

$33M+42.4%EPS $1.56

Q3 2025

Nov 5, 2025

$32M+33.1%EPS $0.73

Q2 2025

Aug 6, 2025

$23M-1.1%EPS $1.05

Revenue & Profitability

Quarter	Revenue	Gross Profit	Operating Income
Q2 22	$16M	$16M	$8M
Q3 22	$19M	$18M	$10M
Q4 22	$20M	$19M	$11M
Q1 23	$22M	$19M	$10M
Q2 23	$20M	$18M	$9M
Q3 23	$21M	$20M	$11M
Q4 23	$22M	$20M	$10M
Q1 24	$2M	-$1M	$8M
Q2 24	$23M	$20M	$9M
Q3 24	$24M	$21M	$11M
Q4 24	$23M	$21M	$11M
Q1 25	$24M	$21M	$10M
Q2 25	$23M	$20M	$9M
Q3 25	$32M	$22M	$7M
Q4 25	$33M	$28M	$14M
Q1 26	$32M	$28M	$13M

Valuation

Quarter	P/S	P/E
Q2 22	2.7x	7.4x
Q3 22	2.5x	6.9x
Q4 22	3.0x	8.1x
Q1 23	2.7x	7.2x
Q2 23	2.6x	7.2x
Q3 23	2.4x	6.6x
Q4 23	2.7x	7.6x
Q1 24	3.3x	7.5x
Q2 24	3.0x	7.3x
Q3 24	3.4x	8.5x
Q4 24	3.8x	9.7x
Q1 25	2.7x	8.7x
Q2 25	2.8x	9.1x
Q3 25	2.5x	9.6x
Q4 25	2.5x	9.5x
Q1 26	2.8x	10.5x

Operating Cash Flow

Quarter	Operating CF	Free CF
Q1 22	$23M	$21M
Q2 22	$15M	$15M
Q3 22	$12M	$12M
Q4 22	$6M	$6M
Q1 23	$15M	$14M
Q2 23	$11M	$10M
Q3 23	$12M	$12M
Q4 23	$522.0K	$249.0K
Q1 24	$9M	$9M
Q2 24	$5M	$5M
Q3 24	$8M	$8M
Q4 24	$8M	$8M
Q1 25	$8M	$7M
Q2 25	$2M	$2M
Q3 25	$6M	$5M
Q4 25	$6M	$6M

Capital Expenditures

Quarter	CapEx
Q1 22	$2M
Q2 22	$328.0K
Q3 22	$259.0K
Q4 22	$303.0K
Q1 23	$956.0K
Q2 23	$979.0K
Q3 23	$70.0K
Q4 23	$273.0K
Q1 24	$191.0K
Q2 24	$230.0K
Q3 24	$149.0K
Q4 24	$108.0K
Q1 25	$173.0K
Q2 25	$31.0K
Q3 25	$801.0K
Q4 25	$306.0K

CapEx

OpEx vs Revenue Growth (YoY)

Quarter	Revenue Growth	OpEx Growth
Q2 22	+35.7%	+49.4%
Q3 22	+17.4%	+23.7%
Q4 22	+26.4%	+11.9%
Q1 23	+35.8%	+37.2%
Q2 23	+24.4%	+31.2%
Q3 23	+14.9%	+19.7%
Q4 23	+9.8%	+25.2%
Q1 24	-89.8%	-154.8%
Q2 24	+14.6%	+23.0%
Q3 24	+12.9%	+27.4%
Q4 24	+7.6%	+9.8%
Q1 25	+974.8%	+321.9%
Q2 25	-1.1%	+2.6%
Q3 25	+33.1%	+87.9%
Q4 25	+42.4%	+51.8%
Q1 26	+36.4%	+40.1%

Stock-Based Compensation

Quarter	SBC ($)	% of Revenue
Q1 22	$58.0K	0.4%
Q2 22	$59.0K	0.4%
Q3 22	$45.0K	0.2%
Q4 22	$100.0K	0.5%
Q1 23	$99.0K	0.5%
Q2 23	$100.0K	0.5%
Q3 23	$64.0K	0.3%
Q4 23	$59.0K	0.3%
Q1 24	$100.0K	4.5%
Q2 24	$156.0K	0.7%
Q3 24	$157.0K	0.7%
Q4 24	$89.0K	0.4%
Q1 25	$82.0K	0.3%
Q2 25	$95.0K	0.4%
Q3 25	$93.0K	0.3%
Q4 25	$73.0K	0.2%

OpEx Breakdown

Quarter	G&A	S&M
Q2 22	$5M	$190.0K
Q3 22	$5M	$194.0K
Q4 22	$4M	$177.0K
Q1 23	$5M	$179.0K
Q2 23	$5M	$281.0K
Q3 23	$5M	$233.0K
Q4 23	$6M	$248.0K
Q1 24	$6M	$244.0K
Q2 24	$6M	$214.0K
Q3 24	$6M	$247.0K
Q4 24	$6M	$324.0K
Q1 25	$6M	$262.0K
Q2 25	$6M	$273.0K
Q3 25	$8M	$282.0K
Q4 25	$10M	—
Q1 26	$10M	—

War Chest

Quarter	Cash	Short-term Investments	Total
Q2 22	$318M	$365M	$683M
Q3 22	$334M	$383M	$717M
Q4 22	$183M	$445M	$628M
Q1 23	$106M	$484M	$590M
Q2 23	$92M	$469M	$561M
Q3 23	$91M	$438M	$529M
Q4 23	$86M	$489M	$575M
Q1 24	$128M	$447M	$576M
Q2 24	$110M	$445M	$555M
Q3 24	$118M	$457M	$575M
Q4 24	$82M	$438M	$520M
Q1 25	$87M	$60M	$147M
Q2 25	$79M	$440M	$519M
Q3 25	$87M	$443M	$530M
Q4 25	$81M	$389M	$469M
Q1 26	$63M	$470M	$533M

Shares Outstanding

Quarter	Shares (Diluted)	QoQ Change	YoY Change
Q2 22	6M	-0.2%	+11.9%
Q3 22	6M	-0.2%	+0.2%
Q4 22	6M	+0.4%	+0.3%
Q1 23	6M	+0.4%	+0.3%
Q2 23	6M	-0.2%	+0.3%
Q3 23	6M	+0.1%	+0.6%
Q4 23	6M	+0.1%	+0.4%
Q1 24	6M	+0.1%	+0.1%
Q2 24	6M	0.0%	+0.3%
Q3 24	6M	+0.4%	+0.6%
Q4 24	6M	+0.5%	+0.9%
Q1 25	6M	+0.1%	+0.9%
Q2 25	6M	+0.1%	+1.0%
Q3 25	6M	+5.8%	+6.5%
Q4 25	7M	+10.8%	+17.4%
Q1 26	7M	+0.5%	+17.8%

Shares Outstanding

Revenue Per Employee

Period	Revenue/Employee	Employees
Q2 22	$87.2K	187
Q3 22	$98.9K	187
Q4 22	$102.7K	193
Q1 23	$111.8K	193
Q2 23	$105.1K	193
Q3 23	$110.2K	193
Q4 23	$115.2K	189
Q1 24	$11.7K	189
Q2 24	$123.0K	189
Q3 24	$127.0K	189
Q4 24	$118.8K	197
Q1 25	$120.5K	197
Q2 25	$116.7K	197
Q3 25	$162.1K	197
Q4 25	$169.2K	197
Q1 26	$164.3K	197

Revenue / Employee