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Plumas Bancorp

Plumas Bancorp

PLBC · NASDAQ · Financial Services / Banks - Regional

62.75USD-0.16 (-0.25%)

Price History

Full chart

Market Stats

Previous Close62.91
Open63.20
Day Range62.48 – 63.23
52-Week Range38.80 – 64.00
Volume31.33K
Market Cap433.83M
P/E (TTM)12.27
Forward P/E16.81
EPS5.08
Dividend Yield2.12%
Beta0.59
50-Day Avg61.84
200-Day Avg53.80

About

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.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Andrew J. Ryback CPA
  • Employees238
  • Headquarters5525 Kietzke Lane, Reno, NV, United States, 89511, USA
  • Websitehttps://www.plumasbank.com

Leadership

  • Mr. Andrew J. Ryback CPAPresident, CEO & Director · b. 1965
  • Mr. Richard L. Belstock CPAExecutive VP & CFO · b. 1957
  • Ms. Michonne R. AscuagaIndependent Director & Secretary · b. 1962
  • Ms. Kelsey CassinelliPrincipal Accounting Officer · b. 1994
  • Mr. Aaron M. BoigonExecutive VP & Chief Information Officer · b. 1976
  • Ms. Jamie HuynhAdministrative Coordinator Board & Investor Relations
  • Ms. Elizabeth KuipersVP & Marketing Manager · b. 1963
  • Mr. Matthew Brock MoseleyExecutive VP & Regional President
  • Endjis PerkonsSVP of Credit Administrator
  • Kelley CheneySenior Vice President of SBA Sales Manager

Financials

Income Statement

Currency: USD1999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue2.45M2.67M22.00M21.67M22.19M25.21M30.57M34.64M35.73M30.53M28.59M28.93M24.96M24.79M26.06M28.38M30.33M32.65M37.17M43.03M47.21M47.86M56.50M70.53M84.89M72.86M108.25M
Growth (%)-+8.68%+725.01%-1.53%+2.40%+13.62%+21.27%+13.32%+3.15%-14.56%-6.36%+1.20%-13.71%-0.71%+5.14%+8.90%+6.86%+7.64%+13.85%+15.78%+9.70%+1.37%+18.06%+24.83%+20.35%-14.17%+48.56%
Cost of Revenue5.58M7.22M7.10M4.86M3.76M3.66M5.89M7.95M9.34M9.96M18.16M8.65M5.35M3.62M2.93M2.79M2.30M1.82M1.62M2.24M3.25M4.40M2.26M2.55M7.57M11.83M20.73M
Gross Profit2.45M2.67M14.90M16.80M18.43M21.55M24.68M26.69M26.40M20.57M10.43M20.28M19.61M21.16M23.13M25.59M28.02M30.82M35.55M40.80M43.96M43.45M54.24M67.98M77.32M61.03M87.52M
Gross Margin100.00%100.00%67.74%77.56%83.04%85.47%80.72%77.04%73.87%67.36%36.49%70.11%78.58%85.38%88.74%90.16%92.40%94.42%95.65%94.80%93.12%90.80%96.00%96.39%91.08%83.76%80.85%
Operating Expense-4.91M-6.62M10.48M11.60M13.13M15.90M17.55M18.29M19.67M20.48M26.35M18.92M18.38M18.14M17.53M17.76M18.49M18.59M20.05M21.67M22.58M23.50M25.75M32.32M37.11M22.03M47.93M
Operating Income7.36M9.29M4.42M5.20M5.30M5.65M7.13M8.40M6.72M92.00K-15.92M1.36M1.24M3.02M5.60M7.82M9.54M12.23M15.51M19.13M21.38M19.95M28.49M35.67M40.21M39.00M39.59M
Operating Margin300.08%348.22%20.11%24.00%23.88%22.40%23.32%24.24%18.82%0.30%-55.69%4.70%4.95%12.18%21.48%27.57%31.44%37.47%41.71%44.44%45.29%41.69%50.42%50.57%47.37%53.53%36.58%
EBITDA7.36M9.29M5.38M6.54M7.81M8.19M9.84M10.96M8.92M2.08M-13.99M3.05M2.65M4.37M7.01M9.13M10.69M13.31M16.53M20.17M22.70M21.38M30.16M37.57M41.88M40.50M42.43M
EBITDA Margin300.08%348.22%24.45%30.18%35.21%32.49%32.18%31.63%24.97%6.80%-48.94%10.55%10.60%17.65%26.88%32.17%35.23%40.77%44.48%46.87%48.08%44.67%53.38%53.26%49.33%55.58%39.19%
Net Income2.27M2.56M2.76M3.15M3.28M3.65M4.53M5.20M4.22M304.00K-9.15M971.00K941.00K1.95M3.43M4.74M5.82M7.47M8.19M13.99M15.51M14.47M21.01M26.44M29.78M28.62M29.62M
Net Income Margin92.42%96.10%12.53%14.56%14.79%14.46%14.81%15.02%11.82%1.00%-31.99%3.36%3.77%7.87%13.17%16.69%19.18%22.89%22.03%32.51%32.86%30.25%37.18%37.49%35.08%39.28%27.36%
R&D------------00000000-------
R&D as % of Total Revenue------------0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%-------
Interest Expense5.10M6.72M6.37M4.04M3.01M2.91M4.79M6.95M8.54M5.36M3.65M3.15M1.85M1.27M1.53M1.69M1.20M1.02M1.02M1.24M1.75M1.23M1.14M1.25M4.80M10.63M13.88M
Interest Expense % of Total Revenue207.66%252.12%28.96%18.64%13.58%11.56%15.68%20.07%23.89%17.57%12.79%10.88%7.40%5.14%5.89%5.97%3.97%3.13%2.74%2.87%3.70%2.57%2.01%1.77%5.65%14.59%12.82%

Balance Sheet

Currency: USD1999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets212.31M243.60M275.09M325.46M390.26M417.35M472.80M473.24M453.12M457.18M528.12M484.48M455.35M477.80M515.73M538.86M599.29M657.98M745.43M824.40M865.19M1.11B1.61B1.62B1.61B1.62B2.24B
Total Liabilities195.50M225.44M254.47M302.18M364.51M389.45M441.67M437.39M415.98M421.74M489.89M446.49M415.71M435.95M485.13M502.37M556.79M609.98M689.73M757.47M780.69M1.01B1.48B1.50B1.46B1.45B1.98B
Total Equity16.81M18.16M20.62M23.29M25.75M27.89M31.14M35.85M37.14M35.44M38.23M37.99M39.63M41.85M30.59M36.50M42.50M47.99M55.70M66.93M84.50M100.15M134.08M119.00M147.32M177.90M261.08M
Cash--10.09M22.66M24.72M11.44M17.27M11.29M13.21M18.79M59.49M64.63M63.08M44.67M49.92M45.57M68.19M62.65M87.54M46.69M46.94M184.91M380.58M183.43M85.66M82.02M80.62M
Total Debt---6.00M6.19M7.22M10.31M30.31M17.81M44.31M50.31M10.31M18.59M17.69M29.71M47.15M22.86M20.23M20.38M23.37M26.32M24.19M27.59M29.47M116.06M61.83M147.90M
Net Debt---10.09M-16.66M-18.53M-4.22M-6.96M19.02M4.60M25.52M-9.18M-54.32M-44.49M-26.99M-20.20M-26.81M-45.34M-49.96M-77.23M-36.38M-36.63M-174.60M-370.27M-173.12M30.40M-20.19M67.28M

Cash Flow

Currency: USD2001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow3.97M3.37M6.16M8.30M7.84M7.70M7.94M6.32M70.00K10.12M10.09M5.80M10.71M5.34M7.23M8.90M11.48M15.64M15.48M24.63M-8.42M56.88M38.34M30.51M21.59M
Investing Cash Flow-15.86M-42.52M-29.92M-48.75M-45.09M-15.55M20.52M-4.49M-38.59M43.54M13.83M-43.73M-42.02M-26.69M-38.50M-65.75M-66.54M-121.87M-36.71M-114.40M-79.81M-270.77M-90.55M10.25M70.32M
Financing Cash Flow28.41M46.99M15.84M21.88M50.40M-5.44M-26.55M3.75M79.22M-48.52M-25.47M19.52M36.56M17.00M53.89M51.30M79.95M65.38M21.48M227.74M283.90M16.72M-45.56M-44.39M-93.31M
Capital Expenditure1.40M2.14M1.59M809.00K3.39M5.17M1.12M2.57M253.00K1.21M271.00K915.00K352.00K225.00K2.65M600.00K531.00K3.87M1.40M1.61M931.00K3.02M2.28M678.00K1.31M
Free Cash Flow2.57M1.23M4.57M7.50M4.45M2.53M6.84M3.75M-183.00K8.90M9.81M4.89M10.36M5.12M4.58M8.30M10.95M11.77M14.08M23.02M-9.35M53.86M36.06M29.83M20.28M
Dividends Paid635.00K865.00K776.00K914.00K1.08M1.30M1.49M1.15M473.00K150.00K001.97M489.00K489.00K489.00K1.40M1.84M2.37M1.87M3.08M3.74M5.86M6.37M7.72M
FCF to OCF64.83%36.44%74.24%90.26%56.74%32.88%86.19%59.39%-261.43%88.04%97.31%84.24%96.71%95.79%63.40%93.26%95.37%75.28%90.97%93.48%111.06%94.69%94.06%97.78%93.93%
Dividend Paid to FCF24.70%70.44%16.97%12.19%24.31%51.46%21.79%30.72%-258.47%1.68%0.00%0.00%19.01%9.55%10.67%5.89%12.77%15.65%16.85%8.10%-32.96%6.94%16.26%21.34%38.07%

Earnings

Report DateJun 30, 2001Sep 30, 2001Mar 31, 2002Jun 30, 2002Sep 30, 2002Mar 31, 2003Jun 30, 2003Nov 8, 2003Mar 3, 2004Jun 2, 2004Sep 1, 2004Nov 8, 2004Mar 2, 2005May 12, 2005Aug 12, 2005Nov 10, 2005Apr 20, 2006Jul 20, 2006Oct 23, 2006Jan 18, 2007Apr 30, 2007Jul 19, 2007Oct 22, 2007Jan 21, 2008Apr 21, 2008Jul 17, 2008Oct 27, 2008Jan 26, 2009Apr 27, 2009Jul 27, 2009Nov 2, 2009Mar 22, 2010Apr 29, 2010Jul 28, 2010Dec 31, 2010Mar 31, 2011Jun 30, 2011Sep 30, 2011Dec 31, 2011Mar 31, 2012Jun 30, 2012Sep 30, 2012Dec 31, 2012Mar 31, 2013Jun 30, 2013Sep 30, 2013Dec 31, 2013Mar 31, 2014Jun 30, 2014Sep 30, 2014Dec 31, 2014Mar 31, 2015Jun 30, 2015Sep 30, 2015Dec 31, 2015Mar 31, 2016Jun 30, 2016Sep 30, 2016Dec 31, 2016Mar 31, 2017Apr 26, 2017Jul 18, 2017Oct 17, 2017Jan 23, 2018Apr 17, 2018Jul 17, 2018Oct 17, 2018Jan 22, 2019Apr 16, 2019Jul 17, 2019Oct 15, 2019Jan 21, 2020Apr 15, 2020Jul 15, 2020Oct 21, 2020Jan 20, 2021Apr 21, 2021Jul 21, 2021Oct 20, 2021Jan 19, 2022Apr 20, 2022Jul 20, 2022Oct 19, 2022Jan 18, 2023Apr 19, 2023Jul 19, 2023Oct 18, 2023Jan 17, 2024Apr 17, 2024Jul 17, 2024Oct 16, 2024Jan 15, 2025Apr 16, 2025Jul 16, 2025Oct 15, 2025Jan 21, 2026Apr 15, 2026Jul 15, 2026Oct 21, 2026
EPS Estimate-------------------------------------------------------------------------------------1.121.221.231.191.091.141.191.121.190.651.351.281.371.46
EPS Actual0.130.150.150.150.170.140.150.160.200.140.170.190.230.170.210.230.230.260.270.260.190.230.260.170.120.140.08-0.28-0.29-0.71-0.27-0.77-0.010.08-0.020.01-0.010.040.010.010.100.080.070.090.270.200.190.190.230.270.270.240.270.320.330.310.360.390.420.400.400.490.470.490.630.660.710.680.730.730.770.740.630.610.710.820.850.851.120.930.970.961.231.321.281.121.341.271.051.141.311.291.131.110.821.561.381.41-
Surprise-------------------------------------------------------------------------------------0.00%9.84%3.25%-11.76%4.59%14.91%8.40%0.89%-6.72%26.15%15.56%7.81%2.92%-
Timing-------------------------------------------------------------------------------Pre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-market

Key Statistics & Ratios

Market Cap433.83M
Enterprise Value500.92M
Trailing P/E12.27
Forward P/E16.81
PEG Ratio1.49
Price / Sales4.06
Price / Book1.59
EPS5.08
Book Value39.08
Revenue (TTM)106.88M
Gross Profit (TTM)106.88M
Profit Margin33.53%
Operating Margin48.49%
Return on Equity15.41%
Return on Assets1.84%
Shares Outstanding6.96M
Shares Float6.48M
Beta0.59
Dividend Yield2.12%
Dividend Rate1.32
Payout Ratio24.95%

Analyst Ratings

Buy
Based on 3 analystsTarget 67.33
  • Strong Buy
    1
  • Buy
    2

Ownership Breakdown

Institutions
51.02%
Insiders
6.39%
Retail / Other
42.59%

Top Institutional Holders

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    425.42K6.11%
  • BlackRock Inc
    367.75K5.28%
  • Vanguard Capital Management, LLC
    275.76K3.96%
  • Siena Capital Management, LLC
    239.01K3.43%
  • Manufacturers Life Insurance Co
    235.92K3.39%
  • Geode Capital Management, LLC
    153.72K2.21%
  • Dimensional Fund Advisors, Inc.
    151.67K2.18%
  • American Century Companies Inc
    119.00K1.71%
  • Two Sigma Investments LLC
    106.66K1.53%
  • CALDWELL SUTTER CAPITAL INC
    106.28K1.53%
  • State Street Corp
    103.46K1.49%

Top Fund Holders

  • Vanguard MStar Total Stk Mkt Idx Invest
    197.75K2.84%
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    193.95K2.79%
  • iShares Russell 2000 ETF
    179.17K2.57%
  • Avantis US Small Cap Value ETF
    133.41K1.92%
  • Strategic Advisers Fidelity US TtlStk
    118.80K1.71%
  • JHancock Regional Bank A
    115.78K1.66%
  • JH Financial Opportunities
    102.63K1.47%
  • Fidelity Series Intrinsic Opps
    75.89K1.09%
  • Fidelity Small Cap Index
    70.62K1.01%

Dividends

20264×
0.33Nov 3, 20260.33Aug 3, 20260.33May 1, 20260.33Feb 4, 2026
20254×
0.30Nov 3, 20250.30Aug 1, 20250.30May 1, 20250.30Feb 3, 2025
20244×
0.27Nov 1, 20240.27Aug 1, 20240.27Apr 30, 20240.27Jan 31, 2024
20234×
0.25Oct 31, 20230.25Jul 31, 20230.25Apr 28, 20230.25Jan 31, 2023
20224×
0.16Oct 31, 20220.16Jul 29, 20220.16Apr 29, 20220.16Jan 28, 2022
20214×
0.14Oct 29, 20210.14Jul 30, 20210.14Apr 29, 20210.14Jan 29, 2021

Stock Splits

  • Sep 19, 20053:2