Financial Snapshot

Revenue
$2.224M
TTM
Gross Margin
Net Earnings
$28.39M
TTM
Current Assets
Current Liabilities
$131.0M
Q3 2024
Current Ratio
Total Assets
$1.664B
Q3 2024
Total Liabilities
$1.482B
Q3 2024
Book Value
$181.9M
Q3 2024
Cash
Q3 2024
P/E
10.18
Dec 04, 2024 EST
Free Cash Flow
$21.91M
TTM

Revenues

Revenues

Revenue YoY Change

Revenues

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001
Revenue $74.59M $59.76M $48.07M $39.62M $39.30M $34.32M $28.95M $25.10M $22.62M $21.15M $19.46M $18.43M $18.67M
YoY Change 24.82% 24.31% 21.32% 0.82% 14.51% 18.54% 15.35% 10.99% 6.94% 8.67% 5.62% -1.3%

Expenses

Cost Of Revenues

No data

Gross Profit

No data

Gross Profit Margin

No data

Gross Profit

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001
Revenue $74.59M $59.76M $48.07M $39.62M $39.30M $34.32M $28.95M $25.10M $22.62M $21.15M $19.46M $18.43M $18.67M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

No data

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

No data

R&D To Gross Profit Ratio

No data

DDA To Gross Profit Ratio

No data

Operating Expenses Total

Operating Profits/Loss

No data

Operational Expenses

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development $806.0K $770.0K $746.0K
YoY Change 4.68% 3.22%
% of Gross Profit
Depreciation & Amortization $1.430M $1.347M $1.182M $1.089M $1.055M $925.0K $953.0K $1.024M $1.055M $1.147M $1.166M $1.181M $1.233M $1.690M $1.930M $1.980M $2.200M $2.170M $2.080M $1.630M $1.310M $1.060M $880.0K
YoY Change 6.16% 13.96% 8.54% 3.22% 14.05% -2.94% -6.93% -2.94% -8.02% -1.63% -1.27% -4.22% -27.04% -12.44% -2.53% -10.0% 1.38% 4.33% 27.61% 24.43% 23.58% 20.45% 15.79%
% of Gross Profit
Operating Expenses $806.0K $770.0K $746.0K
YoY Change 4.68% 3.22%
Operating Profit
YoY Change

Interest Expenses

Interest Expenses To Operating Income %

No data

Other Expense/Income

No data

Interest & Other Expense/Income

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001
Interest Expense $4.798M $1.249M $1.136M $1.228M $1.747M $1.236M $1.017M $1.023M $1.204M $1.693M $1.534M $1.274M $1.848M
YoY Change 284.15% 9.95% -7.49% -29.71% 41.34% 21.53% -0.59% -15.03% -28.88% 10.37% 20.41% -31.06%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001
Pretax Income $40.21M $35.67M $28.49M $19.95M $21.38M $19.13M $15.51M $12.23M $9.535M $7.824M $5.598M $3.020M $1.236M $1.360M -$15.92M $90.00K $6.730M $8.400M $7.130M $5.650M $5.300M $5.200M $4.430M
YoY Change 12.73% 25.21% 42.78% -6.68% 11.79% 23.35% 26.75% 28.3% 21.87% 39.76% 85.36% 144.34% -9.12% -108.54% -17788.89% -98.66% -19.88% 17.81% 26.19% 6.6% 1.92% 17.38% 11.59%
Income Tax $10.44M $9.225M $7.478M $5.477M $5.868M $5.134M $7.316M $4.759M $3.717M $3.086M $2.167M $1.070M $295.0K $390.0K -$6.780M -$210.0K $2.500M $3.200M $2.600M $2.000M $2.020M $2.050M $1.670M
% Of Pretax Income 25.95% 25.86% 26.25% 27.45% 27.45% 26.84% 47.18% 38.9% 38.98% 39.44% 38.71% 35.43% 23.87% 28.68% -233.33% 37.15% 38.1% 36.47% 35.4% 38.11% 39.42% 37.7%
Net Earnings $29.78M $26.44M $21.01M $14.48M $15.51M $13.99M $8.189M $7.474M $5.818M $4.738M $3.431M $1.950M $941.0K $970.0K -$9.150M $300.0K $4.220M $5.200M $4.530M $3.650M $3.280M $3.150M $2.760M
YoY Change 12.6% 25.87% 45.14% -6.69% 10.86% 70.86% 9.57% 28.46% 22.79% 38.09% 75.95% 107.23% -2.99% -110.6% -3150.0% -92.89% -18.85% 14.79% 24.11% 11.28% 4.13% 14.13% 7.81%
Net Earnings / Revenue 39.92% 44.25% 43.71% 36.53% 39.47% 40.77% 28.28% 29.78% 25.73% 22.41% 17.63% 10.58% 5.04%
Basic Earnings Per Share $5.08 $4.53 $3.82 $2.80 $3.01 $2.74 $1.64 $1.54 $1.21 $0.99 $0.76 $0.26 $0.05
Diluted Earnings Per Share $5.02 $4.473M $3.76 $2.77 $2.97 $2.68 $1.58 $1.47 $1.15 $0.95 $0.75 $0.26 $0.05 $202.9K -$1.914M $61.98K $842.3K $1.024M $888.2K $730.0K $658.6K $641.5K $573.8K

Assets & Liabilities

Cash & Short-Term Investments

No data

Cash & Equivalents

Cash To Operating Expenses Ratio

No data

Inventory

No data

Receivables

No data

Total Short-Term Assets

No data

Property, Plant And Equipment

Long-Term Investments

No data

Total Long-Term Assets

No data

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

No data

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

No data

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

No data

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment $18.95M $18.10M $16.40M $14.00M $14.60M $14.30M $11.30M $11.80M $12.20M $11.60M $12.50M $13.30M $13.50M $14.40M $14.50M $15.80M $14.70M $15.20M $11.40M $9.800M $10.30M $9.300M $8.100M
YoY Change 4.69% 10.37% 17.14% -4.11% 2.1% 26.55% -4.24% -3.28% 5.17% -7.2% -6.02% -1.48% -6.25% -0.69% -8.23% 7.48% -3.29% 33.33% 16.33% -4.85% 10.75% 14.81%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets $18.75M $19.62M $4.600M $1.900M $2.000M $3.500M $3.300M $4.200M $2.900M $2.400M
YoY Change -4.41% 326.46% 142.11% -5.0% -42.86% 6.06% -21.43% 44.83% 20.83%
Total Long-Term Assets
YoY Change
Total Assets $1.610B $1.621B $1.614B $1.112B $865.2M $824.4M $745.4M $658.0M $599.3M $538.9M $515.7M $477.8M $455.3M $484.5M $528.1M $457.2M $453.1M $473.2M $472.8M $417.4M $390.3M $325.7M $275.1M
YoY Change
Accounts Payable $39.44M $33.92M $13.40M $8.300M $7.000M $7.500M $6.700M $7.400M $6.700M $6.100M $6.000M $6.700M $6.000M $11.30M $6.300M $5.900M $6.200M $4.900M $4.800M $3.700M $2.500M $2.200M $2.300M
YoY Change 16.28% 153.14% 61.45% 18.57% -6.67% 11.94% -9.46% 10.45% 9.84% 1.67% -10.45% 11.67% -46.9% 79.37% 6.78% -4.84% 26.53% 2.08% 29.73% 48.0% 13.64% -4.35%
Accrued Expenses
YoY Change
Deferred Revenue
YoY Change
Short-Term Debt $90.00M $18.62M $17.30M $13.90M $16.00M $13.10M $10.10M $9.900M $12.50M $10.60M $12.10M $7.400M $8.300M $0.00 $20.00M $34.00M $7.500M $20.00M $0.00 $1.000M $0.00
YoY Change 383.25% 7.65% 24.46% -13.13% 22.14% 29.7% 2.02% -20.8% 17.92% -12.4% 63.51% -10.84% -100.0% -41.18% 353.33% -62.5% -100.0%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $129.4M $33.92M $13.40M $8.300M $7.000M $7.500M $6.700M $7.400M $6.700M $6.100M $6.000M $6.700M $6.000M $11.30M $6.300M $5.900M $6.200M $4.900M $4.800M $3.700M $2.500M $2.200M $2.300M
YoY Change 281.6% 153.14% 61.45% 18.57% -6.67% 11.94% -9.46% 10.45% 9.84% 1.67% -10.45% 11.67% -46.9% 79.37% 6.78% -4.84% 26.53% 2.08% 29.73% 48.0% 13.64% -4.35%
Long-Term Debt $0.00 $10.31M $10.30M $10.30M $10.30M $10.30M $10.30M $10.30M $10.30M $17.80M $17.60M $10.30M $10.30M $10.30M $30.30M $10.30M $10.30M $10.30M $10.30M $6.200M $6.200M $6.200M $0.00
YoY Change -100.0% 0.1% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% -42.13% 1.14% 70.87% 0.0% 0.0% -66.01% 194.17% 0.0% 0.0% 0.0% 66.13% 0.0% 0.0%
Other Long-Term Liabilities
YoY Change
Total Long-Term Liabilities $0.00 $10.31M $10.30M $10.30M $10.30M $10.30M $10.30M $10.30M $10.30M $17.80M $17.60M $10.30M $10.30M $10.30M $30.30M $10.30M $10.30M $10.30M $10.30M $6.200M $6.200M $6.200M $0.00
YoY Change -100.0% 0.1% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% -42.13% 1.14% 70.87% 0.0% 0.0% -66.01% 194.17% 0.0% 0.0% 0.0% 66.13% 0.0% 0.0%
Total Liabilities $1.463B $1.502B $1.480B $1.011B $780.7M $757.5M $689.7M $610.0M $556.8M $502.4M $485.1M $436.0M $415.7M $446.5M $489.9M $421.7M $416.0M $437.4M $441.7M $389.5M $364.5M $302.4M $254.5M
YoY Change -2.59% 1.49% 46.33% 29.55% 3.06% 9.83% 13.07% 9.55% 10.83% 3.57% 11.26% 4.88% -6.9% -8.86% 16.17% 1.37% -4.89% -0.97% 13.4% 6.86% 20.54% 18.82%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

No data

Treasury Stock Shares

No data

Stock Issuance & Repurchase

Ownership Data

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001
Basic Shares Outstanding 5.863M 5.840M 5.502M 5.177M 5.155M 5.108M 5.005M 4.864M 4.817M 4.793M 4.780M shares 4.776M shares 4.776M shares
Diluted Shares Outstanding 5.934M 5.912M 5.583M 5.230M 5.228M 5.219M 5.185M 5.098M 5.058M 4.977M 4.883M shares 4.782M shares 4.776M shares
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Dividends

No data

Stock Price

Market Cap: $288.97 Million

About PLUMAS BANCORP

Plumas Bancorp is a bank holding company, which engages in the provision of banking products and service. The company is headquartered in Reno, Nevada and currently employs 189 full-time employees. The Bank is a state-chartered bank, which primary service in the Northeastern portion of California, with Lake Tahoe to the south and the Oregon border to the north, and the Northwestern portion of Nevada. The Bank primarily is engaged in providing loans and investment securities. The Banks principal commercial lending services include term real estate, commercial and industrial term loans. The Bank provides government-guaranteed and agricultural loans, as well as credit lines. The Banks principal retail lending services include consumer, automobile and home equity loans. The Bank provides land development and construction loans on a limited basis. The Bank has over 157 branch offices and 19 automated teller machines. The Bank also operates a lending office in Auburn, California and commercial/agricultural lending offices located in Chico, California and Klamath Falls, Oregon.

Industry: Short-Term Business Credit Institutions Peers: California BanCorp GRANDSOUTH BANCORPORATION ISABELLA BANK Corp LCNB CORP MainStreet Bancshares, Inc. Meridian Corp PNC FINANCIAL SERVICES GROUP, INC. Virginia National Bankshares Corp