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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 in Northeastern California and Northwestern Nevada. The company accepts various deposits, such as checking, money market checking, business sweep, public funds sweep, savings, time deposit, and retirement accounts. Its loan portfolio comprises of term real estate, commercial, and industrial term loans; government-guaranteed and agricultural loans, as well as credit lines; consumer, automobile, and home equity loans; land development and construction loans; and small business administration loans. In addition, the company provides remote deposit, 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 deposit, electronic funds transfer, and other customary banking services. Plumas Bancorp was founded in 1980 and is headquartered in Reno, Nevada.
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.
Plumas Bancorp is the holding company for a regional community bank that provides deposit, lending and other commercial and consumer banking services to local customers. Its long-term growth may be supported by loan growth tied to regional economic activity, potential net interest margin expansion, and consolidation opportunities within the community banking sector, and investors may find exposure to a locally focused deposit franchise attractive.
Material risks include geographic and loan-portfolio concentration, sensitivity to interest-rate and margin movements, credit and regulatory risk, and competitive pressure from larger banks and nonbank lenders.
Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.
| Breakdown | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 | 2018-12-31 |
| Income before tax | 35.67M | 28.49M | 19.95M | 21.38M | 19.13M |
| Minority interest | - | - | - | - | 0.00M |
| Net income | 26.44M | 21.01M | 14.47M | 15.51M | 13.99M |
| Selling general administrative | 18.59M | 15.45M | 15.41M | 15.04M | 14.16M |
| Selling and marketing expenses | 0.67M | 0.43M | 0.52M | 0.40M | 0.43M |
| Gross profit | 69.28M | 55.65M | 46.86M | 45.69M | 41.80M |
| Reconciled depreciation | 0.28M | 1.67M | 1.42M | 1.39M | 1.04M |
| Ebit | 38.53M | 28.49M | 19.95M | 21.38M | 20.36M |
| Ebitda | 38.82M | 30.16M | 21.38M | 22.77M | 21.40M |
| Depreciation and amortization | 0.28M | 1.67M | 1.42M | 1.39M | 1.04M |
| Non operating income net other | - | - | - | 0.11M | -0.01M |
| Operating income | 38.53M | 28.49M | 19.95M | 21.38M | 20.36M |
| Other operating expenses | -30.75M | -27.16M | -26.91M | -24.31M | 21.44M |
| Interest expense | 1.25M | 1.14M | 1.23M | 1.75M | 1.24M |
| Tax provision | 9.22M | 7.48M | 5.48M | 5.87M | 5.13M |
| Interest income | 59.76M | 48.07M | 39.62M | 39.30M | 34.32M |
| Net interest income | 58.51M | 46.93M | 38.40M | 37.55M | 33.09M |
| Extraordinary items | - | - | - | - | 0.00M |
| Non recurring | - | - | - | - | 0.00M |
| Other items | - | - | - | - | 0.00M |
| Income tax expense | 9.22M | 7.48M | 5.48M | 5.87M | 5.13M |
| Total revenue | 69.28M | 55.65M | 46.86M | 45.69M | 41.97M |
| Total operating expenses | -30.75M | -27.16M | -26.91M | -24.31M | -21.44M |
| Cost of revenue | - | - | - | - | 0.17M |
| Total other income expense net | -2.86M | -1.14M | -1.23M | -1.75M | -1.24M |
| Discontinued operations | - | - | - | - | 0.00M |
| Net income from continuing ops | 26.44M | 21.01M | 14.47M | 15.51M | 13.99M |
| Net income applicable to common shares | 26.44M | 21.01M | 14.47M | 15.51M | 13.99M |
| Preferred stock and other adjustments | - | - | - | - | 0.00M |
| Breakdown | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
| Total assets | 1612.34M | 1621.04M | 1614.07M | 1111.58M | 865.19M |
| Earning assets | - | - | - | - | 159.32M |
| Other current assets | 94.24M | 9.73M | 571.08M | -197.93M | -14.37M |
| Total liab | 1465.02M | 1502.04M | 1479.99M | 1011.42M | 780.69M |
| Total stockholder equity | 147.32M | 119.00M | 134.08M | 100.15M | 84.50M |
| Other current liab | 300.88M | -18.62M | -30.68M | -27.14M | -23.05M |
| Common stock | 28.03M | 27.37M | 26.80M | 7.66M | 7.31M |
| Capital stock | 28.03M | 27.37M | 26.80M | 7.66M | 7.31M |
| Retained earnings | 151.75M | 128.39M | 105.68M | 87.75M | 75.14M |
| Other liab | - | 11.82M | 9.88M | 7.08M | 6.63M |
| Good will | 5.50M | 5.50M | 5.50M | - | - |
| Other assets | - | 477.59M | 571.08M | 535.11M | 470.61M |
| Cash | 85.66M | 183.43M | 380.58M | 184.91M | 46.94M |
| Total current liabilities | 324.41M | 15.30M | 30.68M | 27.14M | 23.05M |
| Net debt | 30.40M | -173.12M | -370.27M | -174.60M | -36.63M |
| Short term debt | 23.54M | - | - | 5.00M | - |
| Short long term debt total | 116.06M | 10.31M | 10.31M | 10.31M | 10.31M |
| Other stockholder equity | - | 1642.89M | 1.60M | 1015.30M | 852.66M |
| Property plant equipment | - | 18.10M | 16.42M | 14.02M | 14.63M |
| Total current assets | 94.24M | 675.15M | 715.15M | 382.84M | 220.63M |
| Long term investments | 489.18M | 444.70M | 305.91M | 880.41M | 616.04M |
| Net tangible assets | - | 113.50M | 128.58M | 100.15M | 84.50M |
| Short term investments | 489.18M | 444.70M | 305.91M | 179.61M | 159.32M |
| Net receivables | - | 47.02M | 28.66M | 18.31M | 14.37M |
| Long term debt | 90.00M | 10.31M | 10.31M | 10.31M | 10.31M |
| Inventory | - | 0.02M | 0.49M | 0.43M | 0.76M |
| Accounts payable | - | 33.92M | 30.68M | 27.14M | 23.05M |
| Accumulated other comprehensive income | -32.46M | -36.76M | 1.60M | 4.75M | 2.05M |
| Common stock total equity | - | 27.37M | 26.80M | 7.66M | 7.31M |
| Retained earnings total equity | - | 128.39M | 105.68M | 87.75M | 75.14M |
| Non currrent assets other | 1462.44M | 16.02M | -327.84M | -193.63M | -173.95M |
| Non current assets total | 1518.10M | 468.31M | 327.84M | 193.63M | 173.95M |
| Long term debt total | - | 10.31M | 10.31M | 10.31M | 10.31M |
| Breakdown | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
| Investments | -176.97M | -299.64M | -146.15M | -114.97M | -36.64M |
| Change to liabilities | - | 1.90M | 0.69M | 1.22M | -0.49M |
| Total cashflows from investing activities | - | -270.77M | -79.81M | -114.40M | -36.71M |
| Net borrowings | - | 1.34M | -1.59M | 2.87M | 2.96M |
| Total cash from financing activities | -45.56M | 16.72M | 283.90M | 227.74M | 21.48M |
| Change to operating activities | - | -0.47M | -2.50M | 3.53M | -1.18M |
| Net income | 29.78M | 26.44M | 21.01M | 14.47M | 15.51M |
| Change in cash | -97.77M | -197.16M | 195.68M | 137.97M | 0.26M |
| Begin period cash flow | 183.43M | 380.58M | 184.91M | 46.94M | 46.69M |
| End period cash flow | 85.66M | 183.43M | 380.58M | 184.91M | 46.94M |
| Total cash from operating activities | 34.34M | 56.88M | -8.42M | 24.63M | 15.48M |
| Depreciation | 1.67M | 1.90M | 1.67M | 1.42M | 1.39M |
| Other cashflows from investing activities | - | 31.90M | 67.27M | 2.17M | 1.33M |
| Dividends paid | 5.86M | 3.74M | 3.08M | 1.87M | 2.37M |
| Change to inventory | -0.32M | - | - | - | - |
| Change to account receivables | 0.34M | -1.09M | -0.95M | -3.03M | -0.10M |
| Sale purchase of stock | -10.31M | 0.31M | 0.27M | 0.09M | 0.14M |
| Other cashflows from financing activities | -123.81M | 20.46M | 291.98M | 234.60M | 23.86M |
| Change to netincome | - | 54.90M | 14.70M | 30.51M | 19.64M |
| Capital expenditures | 2.28M | 3.02M | 0.93M | 1.61M | 1.40M |
| Cash flows other operating | - | -26.75M | -44.43M | -26.38M | -20.69M |
| Cash and cash equivalents changes | - | -197.16M | 195.68M | 137.97M | 0.26M |
| Change in working capital | 0.97M | -1.56M | -3.45M | 0.50M | -1.28M |
| Stock based compensation | 0.32M | 0.26M | 0.22M | 0.26M | 0.22M |
| Other non cash items | 2.30M | 28.81M | -26.57M | 9.04M | -0.21M |
| Free cash flow | 32.06M | 53.86M | -9.35M | 23.02M | 14.08M |
Sector: Financial Services Industry: Banks - Regional
|
Stock Name
|
Change
(USD) |
Price
(USD) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
|---|---|---|---|---|---|---|
| PLBC Plumas Bancorp |
-0.59 0.93% |
63.05 | 7.29 | - | 2.66 | 1.41 |
| DBSDY DBS Group Holdings Ltd ADR |
-2.42 1.05% |
227.80 | 20.00 | 17.57 | 7.54 | 3.17 |
| CIHHF China Merchants Bank Co Ltd Class H |
- -% |
6.66 | 7.70 | 7.10 | 0.55 | 0.83 |
| CIHKY China Merchants Bank Co Ltd |
1.20 3.58% |
34.75 | 7.79 | 7.20 | 0.55 | 0.85 |
| UNCFF UniCredit SpA |
-0.02 0.02% |
82.05 | 11.53 | 10.27 | 5.72 | 1.83 |
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 company accepts various deposits, such as checking, money market checking, business sweep, public funds sweep, savings, time deposit, and retirement accounts. Its loan portfolio comprises of term real estate, commercial, and industrial term loans; government-guaranteed and agricultural loans, as well as credit lines; consumer, automobile, and home equity loans; land development and construction loans; and small business administration loans. In addition, the company provides remote deposit, 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 deposit, electronic funds transfer, and other customary banking services. Plumas Bancorp was founded in 1980 and is headquartered in Reno, Nevada.
| Name | Title | Year Born |
|---|---|---|
| Mr. Andrew J. Ryback | Pres, CEO & Director | 1965 |
| Mr. Richard L. Belstock | Exec. VP & CFO | 1957 |
| Ms. B. J. North | Exec. VP & Chief Banking Officer of Plumas Bank | 1951 |
| Mr. Terrance J. Reeson | Sec. & Independent Director | 1945 |
| Ms. Elizabeth Kuipers | VP, Marketing Mang. & Investor Relations Officer | NA |
| Mr. Aaron M. Boigon | Exec. VP & Chief Information Officer of Plumas Bank | 1976 |
| Mr. Jeffrey T. Moore | Exec. VP & Chief Credit Officer of Plumas Bank | 1957 |
| Mr. Andrew J. Ryback | President, CEO & Director | 1965 |
| Mr. Richard L. Belstock | Executive VP & CFO | 1957 |
| Ms. B. J. North | Executive VP & Chief Banking Officer of Plumas Bank | 1951 |
Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
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