PLBC Plumas Bancorp - Common Stock
$61.91
Price · Aug 19, 2026
Fundamentals as of Aug 5, 2026
52W Range
$40–$64
91% of range
Analyst Rating
BUY
9 analysts
Price Target
$66
+7% upside
P/E (TTM)
13.6
ROE
13.0%
Net Profit Margin
30.1%
PLBC Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$61.91
Market Cap
$431M
P/E (TTM)
13.6
EPS (TTM)
$4.54
Revenue (TTM)
—
Div Yield
1.8%
ROE
13.0%
Debt/Equity
—
52W Range
$40 – $64
PLBC Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view
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10-Year Performance Revenue, net income, margins and EPS trends
Revenue & Net Income
—
2018-12-31
→
2020-12-31
EPS
$4.54
2018-12-31
→
2025-12-31
Free Cash Flow
$20M
2018-12-31
→
2025-12-31
Margins
30.1%
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
Metric
5Y trend
PLBC
Peer Median
P/E (TTM)
13.6
12.8
P/S (TTM)
140.4
1.9
P/B
1.7
1.0
Price / FCF
21.2
—
Profitability Gross, operating and net margins; ROE, ROA, ROIC
Metric
5Y trend
PLBC
Peer Median
Net Profit Margin
30.1%
25.4%
ROA
1.3%
1.0%
ROE
13.0%
11.0%
Financial Health Debt, liquidity, solvency — balance sheet strength
Metric
5Y trend
PLBC
Peer Median
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
Metric
5Y trend
PLBC
Peer Median
EPS YoY
-5.4%
—
Net Income YoY
3.5%
—
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
Metric
5Y trend
PLBC
Peer Median
Payout Ratio
26.1%
—
Dividends Yield, payout ratio, dividend history, 5Y CAGR
Dividend Yield
1.8%
Payout Ratio
26.1%
5Y Div CAGR
—
| Ex-date | Amount |
|---|---|
| Aug. 3, 2026 | $0.3300 |
| May 1, 2026 | $0.3300 |
| Feb. 4, 2026 | $0.3300 |
| Nov. 3, 2025 | $0.3000 |
| Aug. 1, 2025 | $0.3000 |
| May 1, 2025 | $0.3000 |
| Feb. 3, 2025 | $0.3000 |
| Nov. 1, 2024 | $0.2700 |
| Aug. 1, 2024 | $0.2700 |
| April 30, 2024 | $0.2700 |
| Jan. 31, 2024 | $0.2700 |
| Oct. 31, 2023 | $0.2500 |
| July 31, 2023 | $0.2500 |
| April 28, 2023 | $0.2500 |
| Jan. 31, 2023 | $0.2500 |
| Oct. 31, 2022 | $0.1600 |
| July 29, 2022 | $0.1600 |
| April 29, 2022 | $0.1600 |
| Jan. 28, 2022 | $0.1600 |
| Oct. 29, 2021 | $0.1400 |
PLBC Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside
BUY
9 analysts
- Strong Buy 3 33.3%
- Buy 5 55.6%
- Hold 1 11.1%
- Sell 0 0.0%
- Strong Sell 0 0.0%
12-Month Price Target
3 analysts · 2026-08-13
Median
$66.00
← Below all targets
$61.91
Low
$64.00
High
$69.00
Median target
$66.00
+6.6%
Mean target
$66.33
+7.2%
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
Avg Surprise
0.04%
| Period | EPS Actual | EPS Est | Surprise |
|---|---|---|---|
| June 30, 2026 | $1.41 | $1.38 | 0.03% |
| March 31, 2026 | $1.38 | $1.29 | 0.09% |
| Dec. 31, 2025 | $1.56 | $1.30 | 0.26% |
| Sept. 30, 2025 | $0.73 | $0.56 | 0.17% |
| June 30, 2025 | $1.05 | $1.44 | -0.39% |
| March 31, 2025 | $1.20 | $1.14 | 0.06% |
Peer comparison (GICS sub-industry) Key metrics vs sector peers
| Ticker | Market Cap | P/E | Rev YoY | Net Margin | ROE | Gross Margin |
|---|---|---|---|---|---|---|
| PLBC | $311M | 9.8 | — | 30.1% | 13.0% | — |
| CBAN | $379M | 11.2 | 14.5% | 21.4% | 8.4% | — |
| CZNC | $359M | 12.3 | 13.3% | 19.1% | 7.5% | — |
| RBB | $352M | 11.3 | -2.4% | 618.3% | 6.1% | — |
| BMRC | $419M | -11.6 | -58.1% | -121.4% | -8.6% | — |
| AVBC | $337M | -93.4 | 14.7% | -3.2% | -1.1% | — |
| PBFS | $338M | 16.2 | 15.2% | 128.3% | 6.4% | — |
| ISTR | $262M | 12.5 | 7.5% | 25.4% | 8.2% | — |
| USCB | — | 13.8 | 9.1% | 28.9% | 11.6% | — |
| TFC | $62.13B | 12.9 | 53.0% | 26.1% | 8.2% | — |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement 11
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | · | · | · | · | · | $2M | $3M | $3M | $2M | |
| Interest Expense | · | · | $5M | $1M | $1M | $1M | $2M | $1M | $1M | |
| Interest Income | $102M | $84M | $75M | $60M | $48M | $40M | $39M | $34M | $29M | |
| Pretax Income | $40M | $39M | $40M | $36M | $28M | $20M | $21M | $19M | $16M | |
| Income Tax | $10M | $10M | $10M | $9M | $7M | $5M | $6M | $5M | $7M | |
| Net Income | $30M | $29M | $30M | $26M | $21M | $14M | $16M | $14M | $8M | |
| EPS (Basic) | $4.60 | $4.85 | $5.08 | $4.53 | $3.82 | $2.80 | $3.01 | $2.74 | $1.64 | |
| EPS (Diluted) | $4.54 | $4.80 | $5.02 | $4.47 | $3.76 | $2.77 | $2.97 | $2.68 | $1.58 | |
| Shares (Basic) | 6,440,000 | 5,895,000 | 5,863,000 | 5,840,000 | 5,502,000 | 5,177,000 | 5,155,000 | 5,108,000 | 5,005,000 | |
| Shares (Diluted) | 6,517,000 | 5,968,000 | 5,934,000 | 5,912,000 | 5,583,000 | 5,230,000 | 5,228,000 | 5,219,000 | 5,185,000 | |
| EBITDA | $2M | $1M | $1M | $1M | $1M | $1M | $1M | $925.0K | $953.0K |
Balance Sheet 15
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $81M | $82M | $86M | $183M | $381M | $185M | $47M | $47M | $88M | |
| PP&E (Net) | $24M | $12M | $19M | $18M | $16M | $14M | $15M | $14M | $11M | |
| PP&E (Gross) | $34M | $23M | $36M | $34M | $31M | $29M | $31M | $30M | $26M | |
| Accum. Depreciation | $9M | $11M | $17M | $16M | $15M | $15M | $16M | $16M | $15M | |
| Goodwill | $24M | $6M | $6M | $6M | $6M | $0 | · | · | · | |
| Intangibles | $11M | $791.0K | · | · | · | · | · | · | $81.0K | |
| Total Assets | $2.24B | $1.62B | $1.61B | $1.62B | $1.61B | $1.11B | $865M | $824M | $745M | |
| Total Liabilities | $1.98B | $1.45B | $1.46B | $1.50B | $1.48B | $1.01B | $781M | $757M | $690M | |
| Long-term Debt | · | · | · | $0 | $0 | · | · | · | · | |
| Common Stock | $76M | $29M | $28M | $27M | $27M | $8M | $7M | $7M | $6M | |
| Retained Earnings | $196M | $174M | $152M | $128M | $106M | $88M | $75M | $62M | $50M | |
| AOCI | $-10M | $-25M | $-32M | $-37M | $2M | $5M | $2M | $-2M | $-570.0K | |
| Stockholders' Equity | $261M | $178M | $147M | $119M | $134M | $100M | $85M | $67M | $56M | |
| Liabilities + Equity | $2.24B | $1.62B | $1.61B | $1.62B | $1.61B | $1.11B | $865M | $824M | $745M | |
| Shares Outstanding | 6,958,814 | 5,903,368 | 5,871,523 | 5,850,216 | 5,816,991 | 5,182,232 | 5,165,760 | 5,137,476 | 5,064,972 |
Cash Flow 14
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| D&A | $2M | $1M | $1M | $1M | $1M | $1M | $1M | $925.0K | $953.0K | |
| Stock-based Comp | $343.0K | $502.0K | $322.0K | $262.0K | $223.0K | $255.0K | $224.0K | $199.0K | $152.0K | |
| Deferred Tax | $2M | $-54.0K | $-702.0K | $1M | $-1M | $-1M | $-166.0K | $360.0K | $-916.0K | |
| Amort. of Intangibles | $1M | $201.0K | $237.0K | $284.0K | $246.0K | $198.0K | $263.0K | $27.0K | $6.0K | |
| Other Non-cash | $-12M | $147.0K | $8M | $28M | $-30M | $10M | $-1M | $163.0K | $3M | |
| Operating Cash Flow | $22M | $31M | $38M | $57M | $-8M | $25M | $15M | $16M | $11M | |
| CapEx | $1M | $678.0K | $2M | $3M | $931.0K | $2M | $1M | $4M | $531.0K | |
| Investing Cash Flow | $70M | $10M | $-91M | $-271M | $-80M | $-114M | $-37M | $-122M | $-67M | |
| Dividends Paid | $8M | $6M | $6M | $4M | $3M | $2M | $2M | $2M | $1M | |
| Financing Cash Flow | $-93M | $-44M | $-46M | $17M | $284M | $228M | $21M | $65M | $80M | |
| Net Change in Cash | $-1M | $-4M | $-98M | $-197M | $196M | $138M | $256.0K | $-41M | $25M | |
| Taxes Paid | $9M | $10M | $12M | · | · | · | · | · | · | |
| Free Cash Flow | $20M | $30M | $36M | $54M | $-9M | $23M | $14M | $12M | $11M | |
| Levered FCF | · | · | $33M | $53M | $-10M | $22M | $13M | $11M | $10M |
Profitability 5
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 30.1% | 34.7% | 37.0% | 38.0% | 37.8% | 623.1% | 575.6% | 33.3% | 22.6% | |
| Pretax Margin | 40.3% | 47.3% | 49.9% | 51.3% | 51.2% | 858.9% | 793.3% | 45.6% | 42.8% | |
| EBITDA Margin | 1.6% | 1.6% | 1.8% | 1.9% | 2.1% | 46.9% | 39.1% | 2.2% | 2.6% | |
| ROA | 1.3% | 1.8% | 1.8% | 1.6% | 1.4% | 1.5% | 1.8% | 1.8% | 1.2% | |
| ROE | 13.0% | 15.9% | 22.3% | 23.5% | 15.9% | 14.8% | 18.7% | 21.6% | 15.8% |
Efficiency 1
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.1 | 0.1 |
Growth Rates 7
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| EPS YoY | -5.4% | -4.4% | 12.3% | 18.9% | 35.7% | · | · | · | · | |
| EPS CAGR 3Y | 0.52% | 8.5% | 21.9% | · | · | · | · | · | · | |
| EPS CAGR 5Y | 10.4% | · | · | · | · | · | · | · | · | |
| Net Income YoY | 3.5% | -3.9% | 12.6% | 25.9% | 45.1% | · | · | · | · | |
| Net Income CAGR 3Y | 3.9% | 10.8% | 27.2% | · | · | · | · | · | · | |
| Net Income CAGR 5Y | 15.4% | · | · | · | · | · | · | · | · | |
| Dividend CAGR 5Y | 32.8% | · | · | · | · | · | · | · | · |
Valuation (TTM) 13
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $3M | $3M | $3M | $2M | $2M | $2M | $3M | $3M | $2M | |
| Net Income TTM | $30M | $29M | $30M | $26M | $21M | $14M | $16M | $14M | $8M | |
| Market Cap | $311M | $279M | $243M | $217M | $197M | $122M | $136M | $117M | $118M | |
| P/E | 9.8 | 9.8 | 8.2 | 8.3 | 9.0 | 8.5 | 8.9 | 8.5 | 14.7 | |
| P/S | 101.4 | 94.2 | 89.5 | 87.7 | 85.8 | 52.4 | 50.6 | 45.3 | 47.6 | |
| P/B | 1.2 | 1.6 | 1.6 | 1.8 | 1.5 | 1.2 | 1.6 | 1.7 | 2.1 | |
| P / Tangible Book | 1.4 | 1.6 | 1.7 | 1.9 | 1.5 | 1.2 | · | · | · | |
| P / Cash Flow | 14.4 | 9.1 | 6.3 | 3.8 | -23.3 | 4.9 | 8.8 | 7.5 | 10.2 | |
| P / FCF | 15.3 | 9.4 | 6.7 | 4.0 | -21.0 | 5.3 | 9.7 | 9.9 | 10.7 | |
| Dividend Yield | 2.5% | 2.3% | 2.4% | 1.7% | 1.6% | 1.5% | 1.7% | 1.6% | 1.2% | |
| Earnings Yield | 10.2% | 10.2% | 12.1% | 12.1% | 11.1% | 11.8% | 11.3% | 11.8% | 6.8% | |
| Payout Ratio | 26.1% | 22.2% | 19.7% | 14.1% | 14.7% | 12.9% | 15.3% | 13.2% | 17.1% | |
| Annual Payout | $8M | $6M | $6M | $4M | $3M | $2M | $2M | $2M | $1M |
Income Statement 11
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | · | · | · | $816.0K | $781.0K | $705.0K | · | $766.0K | $743.0K | $715.0K | · | $737.0K | $694.0K | $617.0K | · | $666.0K | |
| Interest Expense | · | · | · | · | · | · | · | · | · | $3M | · | $1M | $984.0K | $638.0K | · | $289.0K | |
| Interest Income | $30M | $29M | $31M | $30M | $21M | $21M | $21M | $22M | $21M | $20M | $20M | $19M | $18M | $18M | $18M | $16M | |
| Pretax Income | $14M | $13M | $14M | $7M | $9M | $10M | $11M | $11M | $9M | $8M | $10M | $11M | $9M | $10M | $11M | $10M | |
| Income Tax | $4M | $3M | $3M | $2M | $2M | $3M | $3M | $3M | $2M | $2M | $3M | $3M | $2M | $3M | $3M | $3M | |
| Net Income | $10M | $10M | $11M | $5M | $6M | $7M | $8M | $8M | $7M | $6M | $8M | $8M | $7M | $8M | $8M | $7M | |
| EPS (Basic) | $1.43 | $1.40 | $1.58 | $0.74 | $1.07 | $1.21 | $1.31 | $1.33 | $1.15 | $1.06 | $1.28 | $1.36 | $1.14 | $1.30 | $1.34 | $1.24 | |
| EPS (Diluted) | $1.41 | $1.38 | $1.56 | $0.73 | $1.05 | $1.20 | $1.30 | $1.31 | $1.14 | $1.05 | $1.28 | $1.34 | $1.12 | $1.28 | $1.31 | $1.23 | |
| Shares (Basic) | 6,966,000 | 6,984,000 | -12,347,000 | 6,947,000 | 5,929,000 | 5,911,000 | -11,784,000 | 5,896,000 | 5,896,000 | 5,887,000 | -11,720,000 | 5,866,000 | 5,862,000 | 5,855,000 | -11,672,000 | 5,845,000 | |
| Shares (Diluted) | 7,058,000 | 7,073,000 | -12,522,000 | 7,031,000 | 6,006,000 | 6,002,000 | -11,892,000 | 5,968,000 | 5,946,000 | 5,946,000 | -11,867,000 | 5,932,000 | 5,929,000 | 5,940,000 | -11,812,000 | 5,895,000 | |
| EBITDA | · | $454.0K | · | · | · | $363.0K | · | · | · | $448.0K | · | · | · | $386.0K | · | · |
Balance Sheet 14
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $136M | $63M | $81M | $87M | $79M | $87M | $82M | $118M | $110M | $128M | · | $91M | $92M | $106M | · | $334M | |
| PP&E (Net) | $24M | $24M | $24M | $25M | $12M | $12M | $12M | $13M | $13M | $13M | · | $19M | $19M | $19M | · | $18M | |
| PP&E (Gross) | · | · | $34M | · | · | · | $23M | · | · | · | · | · | · | · | · | · | |
| Accum. Depreciation | · | · | $9M | · | · | · | $11M | · | · | · | · | · | · | · | · | · | |
| Goodwill | $24M | $24M | $24M | $24M | $6M | $6M | $6M | $6M | $6M | $6M | · | $6M | $6M | $6M | · | $6M | |
| Intangibles | $10M | $11M | $11M | · | · | · | $791.0K | · | · | · | · | · | · | · | · | · | |
| Total Assets | $2.28B | $2.20B | $2.24B | $2.23B | $1.63B | $1.63B | $1.62B | $1.66B | $1.64B | $1.64B | · | $1.57B | $1.57B | $1.58B | · | $1.65B | |
| Total Liabilities | $2.01B | $1.93B | $1.98B | $1.98B | $1.44B | $1.45B | $1.45B | $1.48B | $1.48B | $1.48B | · | $1.45B | $1.44B | $1.45B | · | $1.55B | |
| Common Stock | $75M | $75M | $76M | $75M | $30M | $29M | $29M | $29M | $29M | $28M | · | $28M | $28M | $28M | · | $27M | |
| Retained Earnings | $211M | $203M | $196M | $187M | $184M | $179M | $174M | $168M | $162M | $156M | · | $146M | $139M | $134M | · | $122M | |
| AOCI | $-14M | $-13M | $-10M | $-16M | $-21M | $-21M | $-25M | $-15M | $-25M | $-23M | · | $-54M | $-38M | $-33M | · | $-42M | |
| Stockholders' Equity | $272M | $265M | $261M | $246M | $193M | $188M | $178M | $182M | $165M | $161M | $147M | $120M | $129M | $129M | $119M | $106M | |
| Liabilities + Equity | $2.28B | $2.20B | $2.24B | $2.23B | $1.63B | $1.63B | $1.62B | $1.66B | $1.64B | $1.64B | · | $1.57B | $1.57B | $1.58B | · | $1.65B | |
| Shares Outstanding | 6,963,616 | 6,974,673 | 6,958,814 | 6,952,064 | 5,933,706 | 5,922,116 | 5,903,368 | 5,896,533 | 5,895,900 | 5,895,595 | · | 5,868,423 | 5,864,448 | 5,862,148 | · | 5,848,716 |
Cash Flow 14
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| D&A | $450.0K | $454.0K | $-251.0K | $1M | $359.0K | $363.0K | $163.0K | $413.0K | $271.0K | $448.0K | $209.0K | $443.0K | $392.0K | $386.0K | $-65.0K | $501.0K | |
| Stock-based Comp | $207.0K | $121.0K | $73.0K | $93.0K | $95.0K | $82.0K | $89.0K | $157.0K | $156.0K | $100.0K | $59.0K | $64.0K | $100.0K | $99.0K | $100.0K | $45.0K | |
| Amort. of Intangibles | $566.0K | $581.0K | · | · | $0 | $0 | · | · | · | · | · | · | · | · | · | · | |
| Other Non-cash | · | $-930.0K | · | · | · | $-122.0K | · | · | · | $2M | · | · | · | $7M | · | · | |
| Operating Cash Flow | $12M | $9M | $6M | $6M | $2M | $8M | $8M | $8M | $5M | $9M | $522.0K | $12M | $11M | $15M | $6M | $12M | |
| CapEx | $132.0K | $137.0K | $306.0K | $801.0K | $31.0K | $173.0K | $108.0K | $149.0K | $230.0K | $191.0K | $273.0K | $70.0K | $979.0K | $956.0K | $303.0K | $259.0K | |
| Investing Cash Flow | $-6M | $14M | $526.0K | $68M | $1M | $629.0K | $-8M | $-3M | $-21M | $42M | $-22M | $-15M | $-15M | $-38M | $-109M | $-36M | |
| Stock Repurchased | $756.0K | $2M | · | · | $0 | $0 | · | · | · | · | · | · | · | · | · | · | |
| Net Stock Activity | · | $-2M | · | · | · | · | · | · | · | · | · | · | · | · | · | · | |
| Dividends Paid | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $2M | $1M | $1M | $1M | $1M | $935.0K | $936.0K | |
| Financing Cash Flow | $67M | $-41M | $-14M | $-65M | $-12M | $-3M | $-36M | $3M | $-2M | $-9M | $17M | $2M | $-9M | $-54M | $-49M | $40M | |
| Net Change in Cash | $73M | $-18M | $-7M | $8M | $-8M | $5M | $-36M | $8M | $-18M | $43M | $-5M | $-1M | $-14M | $-78M | $-151M | $16M | |
| Free Cash Flow | · | $9M | · | · | · | $7M | · | · | · | $9M | · | · | · | $14M | · | · | |
| Levered FCF | · | · | · | · | · | · | · | · | · | $7M | · | · | · | $13M | · | · |
Profitability 5
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 34.6% | 34.7% | · | 630.6% | 809.4% | 1018.4% | · | 1022.2% | 913.3% | 874.7% | · | 1081.4% | 959.7% | 1236.0% | · | 1085.3% | |
| Pretax Margin | 47.5% | 46.8% | · | 847.4% | 1110.4% | 1423.5% | · | 1394.7% | 1249.8% | 1171.9% | · | 1466.8% | 1287.3% | 1673.4% | · | 1467.3% | |
| EBITDA Margin | · | 1.6% | · | · | · | 51.5% | · | · | · | 62.7% | · | · | · | 62.6% | · | · | |
| ROA | 0.51% | 0.51% | · | 0.26% | 0.39% | 0.44% | · | 0.48% | 0.42% | 0.39% | · | 0.49% | 0.42% | 0.48% | · | 0.45% | |
| ROE | 4.3% | 4.3% | · | 2.4% | 3.5% | 4.1% | · | 5.2% | 4.6% | 4.3% | · | 7.0% | 5.4% | 6.0% | · | 6.1% |
Efficiency 1
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 |
Valuation (TTM) 11
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $3M | $3M | · | $3M | $3M | $3M | · | $3M | $3M | $3M | · | $3M | $3M | $2M | · | $2M | |
| Net Income TTM | $31M | $28M | · | $26M | $28M | $28M | · | $29M | $28M | $29M | · | $29M | $27M | $26M | · | $25M | |
| Market Cap | $407M | $341M | · | $300M | $264M | $256M | · | $240M | $212M | $217M | · | $200M | $209M | $200M | · | $166M | |
| P/E | 12.8 | 11.2 | · | 10.1 | 9.5 | 9.2 | · | 8.4 | 7.7 | 7.7 | · | 6.9 | 7.8 | 7.7 | · | 6.6 | |
| P/S | 132.6 | 111.0 | · | 97.8 | 88.1 | 87.5 | · | 81.2 | 73.4 | 78.5 | · | 73.8 | 81.1 | 81.4 | · | 67.1 | |
| P/B | 1.5 | 1.3 | · | 1.2 | 1.4 | 1.4 | · | 1.3 | 1.3 | 1.3 | · | 1.7 | 1.6 | 1.5 | · | 1.6 | |
| P / Tangible Book | 1.7 | 1.5 | · | 1.4 | 1.4 | 1.4 | · | 1.4 | 1.3 | 1.4 | · | 1.8 | 1.7 | 1.6 | · | 1.6 | |
| P / Cash Flow | · | 36.2 | · | · | · | 34.2 | · | · | · | 23.7 | · | · | · | 13.5 | · | · | |
| P / FCF | · | 36.7 | · | · | · | 35.0 | · | · | · | 24.2 | · | · | · | 14.4 | · | · | |
| Earnings Yield | 7.8% | 8.9% | · | 9.9% | 10.6% | 10.9% | · | 11.9% | 12.9% | 13.0% | · | 14.6% | 12.9% | 13.0% | · | 15.1% | |
| Payout Ratio | · | 23.6% | · | · | · | 24.7% | · | · | · | 25.4% | · | · | · | 19.2% | · | · |
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
Income Statement
| 2025-12-31 | 2025-07-02 | 2024-12-31 | 2023-12-31 | 2022-12-31 | |
|---|---|---|---|---|---|
| Net Income | $30M | — | $29M | $30M | $26M |
| Diluted EPS | $4.54 | — | $4.80 | $5.02 | $4.47 |
Cash Flow
| 2025-12-31 | 2025-07-02 | 2024-12-31 | 2023-12-31 | 2022-12-31 | |
|---|---|---|---|---|---|
| Free Cash Flow | $20M | — | $30M | $36M | $54M |
Latest News Recent headlines mentioning this company
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Institutional owners (13F) 109 filers · $155.5M total · As of June 30, 2026
Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.
Institutional activity — Q2 2026 vs prior quarter
| New positions | Exited positions | Increased | Decreased | Net shares change |
|---|---|---|---|---|
| 25 (+9 vs prior Q) | 8 (+3 vs prior Q) | 39 (+12 vs prior Q) | 22 (+2 vs prior Q) | +449K |
Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.
| Institution | Value | Shares | % of tracked 13F | Type |
|---|---|---|---|---|
| VANGUARD CAPITAL MANAGEMENT LLC | $16,254,209 | 278,135 | 10.45% | Shares |
| Siena Capital Partners GP, LLC | $13,967,511 | 239,006 | 8.98% | Shares |
| MANUFACTURERS LIFE INSURANCE COMPANY, THE | $13,704,355 | 234,503 | 8.81% | Shares |
| De Lisle Partners LLP | $13,318,334 | 227,798 | 8.56% | Shares |
| GEODE CAPITAL MANAGEMENT, LLC | $8,111,313 | 138,745 | 5.22% | Shares |
| DIMENSIONAL FUND ADVISORS LP | $8,088,447 | 138,406 | 5.20% | Shares |
| STATE STREET CORP | $7,219,911 | 123,544 | 4.64% | Shares |
| AMERICAN CENTURY COMPANIES INC | $6,954,068 | 118,995 | 4.47% | Shares |
| TWO SIGMA INVESTMENTS, LP | $6,233,152 | 106,659 | 4.01% | Shares |
| CALDWELL SUTTER CAPITAL, INC. | $6,211,179 | 106,283 | 3.99% | Shares |
| FMR LLC | $4,453,070 | 76,199 | 2.86% | Shares |
| PUNCH & ASSOCIATES INVESTMENT MANAGEMENT, INC. | $3,829,456 | 65,528 | 2.46% | Shares |
| Qube Research & Technologies Ltd | $3,716,550 | 63,596 | 2.39% | Shares |
| Elizabeth Park Capital Advisors, Ltd. | $3,142,786 | 53,778 | 2.02% | Shares |
| ALBERT D MASON INC | $2,628,833 | 44,983 | 1.69% | Shares |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $2,600,405 | 44,497 | 1.67% | Shares |
| VANGUARD FIDUCIARY TRUST CO | $2,546,698 | 43,578 | 1.64% | Shares |
| RICE HALL JAMES & ASSOCIATES, LLC | $2,478,557 | 42,412 | 1.59% | Shares |
| MARSHALL WACE, LLP | $2,011,681 | 34,423 | 1.29% | Shares |
| VANGUARD GROUP INC | $1,861,741 | 41,659 | 1.20% | Shares |
| RENAISSANCE TECHNOLOGIES LLC | $1,817,484 | 31,100 | 1.17% | Shares |
| ARROWSTREET CAPITAL, LIMITED PARTNERSHIP | $1,775,583 | 30,383 | 1.14% | Shares |
| Angel Oak Capital Advisors, LLC | $1,385,028 | 23,700 | 0.89% | Shares |
| KENNEDY CAPITAL MANAGEMENT LLC | $1,284,219 | 21,975 | 0.83% | Shares |
| RBF Capital, LLC | $1,168,800 | 20,000 | 0.75% | Shares |
| RAYMOND JAMES FINANCIAL INC | $1,128,620 | 19,312 | 0.73% | Shares |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $1,070,971 | 18,326 | 0.69% | Shares |
| BlackRock, Inc. | $1,069,686 | 18,304 | 0.69% | Shares |
| Bank of New York Mellon Corp | $952,864 | 16,305 | 0.61% | Shares |
| WEALTH ENHANCEMENT ADVISORY SERVICES, LLC | $842,661 | 14,470 | 0.54% | Shares |
| CITADEL ADVISORS LLC | $839,315 | 14,362 | 0.54% | Shares |
| GOLDMAN SACHS GROUP INC | $830,140 | 14,205 | 0.53% | Shares |
| XTX Topco Ltd | $793,791 | 13,583 | 0.51% | Shares |
| Allworth Financial LP | $696,781 | 11,923 | 0.45% | Shares |
| COURIER CAPITAL LLC | $584,400 | 10,000 | 0.38% | Shares |
| HSBC HOLDINGS PLC | $515,846 | 8,874 | 0.33% | Shares |
| LOS ANGELES CAPITAL MANAGEMENT LLC | $449,520 | 7,692 | 0.29% | Shares |
| RHUMBLINE ADVISERS | $445,717 | 7,627 | 0.29% | Shares |
| Daytona Street Capital LLC | $437,850 | 7,500 | 0.28% | Shares |
| ALGERT GLOBAL LLC | $425,443 | 7,280 | 0.27% | Shares |
| OCCUDO QUANTITATIVE STRATEGIES LP | $414,398 | 7,091 | 0.27% | Shares |
| BANK OF AMERICA CORP /DE/ | $406,976 | 6,964 | 0.26% | Shares |
| DEUTSCHE BANK AG\ | $376,412 | 6,441 | 0.24% | Shares |
| JACOBS LEVY EQUITY MANAGEMENT, INC | $370,860 | 6,346 | 0.24% | Shares |
| WELLS FARGO & COMPANY/MN | $323,699 | 5,539 | 0.21% | Shares |
| Creative Planning | $313,940 | 5,372 | 0.20% | Shares |
| SUSQUEHANNA FUNDAMENTAL INVESTMENTS, LLC | $299,271 | 5,121 | 0.19% | Shares |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | $281,856 | 4,823 | 0.18% | Shares |
| Odyssean, LLC | $247,435 | 4,234 | 0.16% | Shares |
| My Personal CFO, LLC | $247,380 | 4,228 | 0.16% | Shares |
| ALPINE WOODS CAPITAL INVESTORS, LLC | $233,760 | 4,000 | 0.15% | Shares |
| Engineers Gate Manager LP | $228,500 | 3,910 | 0.15% | Shares |
| Sequoia Financial Advisors, LLC | $225,520 | 3,859 | 0.15% | Shares |
| UBS Group AG | $221,721 | 3,794 | 0.14% | Shares |
| ALLIANCEBERNSTEIN L.P. | $214,808 | 4,400 | 0.14% | Shares |
| OSAIC HOLDINGS, INC. | $212,137 | 3,630 | 0.14% | Shares |
| Vident Advisory, LLC | $210,501 | 3,602 | 0.14% | Shares |
| Point72 Asset Management, L.P. | $209,975 | 3,593 | 0.14% | Shares |
| MetLife Investment Management, LLC | $209,741 | 3,589 | 0.13% | Shares |
| Simplicity Wealth,LLC | $204,306 | 3,496 | 0.13% | Shares |
| MIRAE ASSET GLOBAL ETFS HOLDINGS Ltd. | $177,891 | 3,044 | 0.11% | Shares |
| Vanguard Global Advisers, LLC | $163,223 | 2,793 | 0.10% | Shares |
| NEW YORK STATE COMMON RETIREMENT FUND | $160,476 | 2,746 | 0.10% | Shares |
| Invesco Ltd. | $152,821 | 2,615 | 0.10% | Shares |
| JPMORGAN CHASE & CO | $146,280 | 2,516 | 0.09% | Shares |
| BARCLAYS PLC | $139,729 | 2,391 | 0.09% | Shares |
| Nuveen Asset Management, LLC | $125,806 | 2,662 | 0.08% | Shares |
| Nuveen, LLC | $116,237 | 1,989 | 0.07% | Shares |
| Police & Firemen's Retirement System of New Jersey | $108,523 | 1,857 | 0.07% | Shares |
| MORGAN STANLEY | $98,822 | 1,691 | 0.06% | Shares |
| PUBLIC EMPLOYEES RETIREMENT SYSTEM OF OHIO | $88,244 | 1,510 | 0.06% | Shares |
| Copeland Capital Management, LLC | $86,023 | 1,472 | 0.06% | Shares |
| BNP PARIBAS FINANCIAL MARKETS | $85,264 | 1,459 | 0.05% | Shares |
| MERCER GLOBAL ADVISORS INC /ADV | $69,135 | 1,183 | 0.04% | Shares |
| NORTHERN TRUST CORP | $61,187 | 1,047 | 0.04% | Shares |
| ABOUND FINANCIAL, LLC | $56,687 | 970 | 0.04% | Shares |
| Tower Research Capital LLC (TRC) | $53,882 | 922 | 0.03% | Shares |
| CWM, LLC | $52,189 | 1,069 | 0.03% | Shares |
| Blue Trust, Inc. | $48,697 | 833 | 0.03% | Shares |
| Legal & General Group Plc | $38,687 | 662 | 0.02% | Shares |
| Ameritas Investment Partners, Inc. | $35,064 | 600 | 0.02% | Shares |
| CITIGROUP INC | $28,694 | 491 | 0.02% | Shares |
| CALIFORNIA STATE TEACHERS RETIREMENT SYSTEM | $17,233 | 353 | 0.01% | Shares |
| UBS AM, a distinct business unit of UBS ASSET MANAGEMENT AMERICAS LLC | $15,525 | 318 | 0.01% | Shares |
| Arax Advisory Partners | $15,077 | 258 | 0.01% | Shares |
| ROYAL BANK OF CANADA | $12,000 | 203 | 0.01% | Shares |
| Russell Investments Group, Ltd. | $9,584 | 164 | 0.01% | Shares |
| Sterling Capital Management LLC | $7,773 | 133 | 0.00% | Shares |
| GAMMA Investing LLC | $7,480 | 128 | 0.00% | Shares |
| Integrated Wealth Concepts LLC | $6,601 | 113 | 0.00% | Shares |
| JONES FINANCIAL COMPANIES LLLP | $4,178 | 71 | 0.00% | Shares |
| IFP Advisors, Inc | $3,039 | 52 | 0.00% | Shares |
| PNC Financial Services Group, Inc. | $1,695 | 29 | 0.00% | Shares |
| Essential Partners LLC | $1,695 | 29 | 0.00% | Shares |
| EverSource Wealth Advisors, LLC | $1,519 | 26 | 0.00% | Shares |
| Farther Finance Advisors, LLC | $1,109 | 19 | 0.00% | Shares |
| Optiver Holding B.V. | $1,052 | 18 | 0.00% | Shares |
| ROTHSCHILD INVESTMENT LLC | $818 | 14 | 0.00% | Shares |
| MassMutual Private Wealth & Trust, FSB | $643 | 11 | 0.00% | Shares |
| NISA INVESTMENT ADVISORS, LLC | $351 | 6 | 0.00% | Shares |
Company insiders 24 insiders · 11 officers · 14 directors
| Insider | Role | Last activity | Shares owned | Buys 12m | Sells 12m | Net 12m |
|---|---|---|---|---|---|---|
| Andrew J Ryback | President and CEO | April 28, 2014 A | 31,448 | 0 | 0 | $0 |
| Douglas N Biddle | President and CEO | Nov. 18, 2008 P | 55,128 | 0 | 0 | $0 |
| William Elliott | President & CEO | July 28, 2003 S | 54,592 | 0 | 0 | $0 |
| Richard L Belstock | EVP, Chief Financial Officer | Aug. 1, 2014 P | 26,226 | 0 | 0 | $0 |
| Kevin Craig Kaiser | EVP and Chief Credit Officer | July 13, 2026 M | 1,919 | 0 | 0 | $0 |
| Kerry Dale Wilson | EVP - Plumas Bank | April 28, 2014 A | 6,672 | 0 | 0 | $0 |
| Bj North | EVP - Plumas Bank | April 28, 2014 A | — | 0 | 0 | $0 |
| Monetta Rose Dembosz | EVP - Plumas Bank | April 28, 2014 A | 8,924 | 0 | 0 | $0 |
| Robert T Herr | EVP, Loan Administrator | March 16, 2011 A | 0 | 0 | 0 | $0 |
| Dennis C Irvine | EVP & CITO | Feb. 22, 2008 S | 6,567 | 0 | 0 | $0 |
| Daniel L Parks | SVP - Manager Retail Banking | March 1, 2007 A | — | 0 | 0 | $0 |
| Robert J Mcclintock | Director | Aug. 6, 2014 P | 76,156 | 0 | 0 | $0 |
| John Flournoy | Director | May 19, 2014 P | 46,781 | 0 | 0 | $0 |
| Gerald W Fletcher | Director | May 19, 2014 M | 32,654 | 0 | 0 | $0 |
| Alvin G Blickenstaff | Director | May 13, 2014 M | 77,644 | 0 | 0 | $0 |
| Steven M. Coldani | Director | April 28, 2014 A | 6,514 | 0 | 0 | $0 |
| William E Elliott | Director | April 28, 2014 A | 77,410 | 0 | 0 | $0 |
| Terrance J Reeson | Director | April 28, 2014 A | 79,592 | 0 | 0 | $0 |
| Arthur C Grohs | Director | April 28, 2014 A | 29,049 | 0 | 0 | $0 |
| Daniel E West | Director | April 28, 2014 A | 65,445 | 0 | 0 | $0 |
| Jerry V Kehr | Director | Oct. 31, 2008 S | 95,528 | 0 | 0 | $0 |
| Thomas M Watson | Director | Feb. 20, 2008 A | 8,697 | 0 | 0 | $0 |
| Christine Mcarthur | Director | March 1, 2007 A | 4,273 | 0 | 0 | $0 |
| Walter Sphar | Director | Dec. 15, 2004 A | — | 0 | 0 | $0 |
Insiders from SEC Form 3/4/5 filings; net = open-market P/S only
ETF ownership Held by 29 ETFs
Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.
| Fund | Weight | Units | As of | Source |
|---|---|---|---|---|
| IWC · iShares Trust | 0.09% | 22,646 SH | Aug. 8, 2026 | Daily |
| IWN · iShares Trust | 0.03% | 66,730 SH | Aug. 8, 2026 | Daily |
| VTWV · VANGUARD SCOTTSDALE FUNDS | 0.02% | 5,763 SH | Aug. 8, 2026 | Daily |
| GSSC · Goldman Sachs ETF Trust | 0.02% | 3,120 NS | May 31, 2026 | N-PORT |
| OMFS · Invesco Exchange-Traded Self-Indexe… | 0.02% | 755 SH | Aug. 8, 2026 | Daily |
| AVUV · AMERICAN CENTURY ETF TRUST | 0.01% | 75,058 NS | May 31, 2026 | N-PORT |
| IWM · iShares Trust | 0.01% | 178,213 SH | Aug. 8, 2026 | Daily |
| AVSC · AMERICAN CENTURY ETF TRUST | 0.01% | 5,777 NS | May 31, 2026 | N-PORT |
| RSSL · Global X Funds | 0.01% | 2,895 NS | April 30, 2026 | N-PORT |
| VTWO · VANGUARD SCOTTSDALE FUNDS | 0.01% | 38,175 SH | Aug. 8, 2026 | Daily |
| ITWO · ProShares Trust | 0.01% | 307 NS | May 31, 2026 | N-PORT |
| DFAS · Dimensional ETF Trust | 0.01% | 22,748 NS | April 30, 2026 | N-PORT |
| UWM · ProShares Trust | 0.01% | 240 NS | May 31, 2026 | N-PORT |
| DFAT · Dimensional ETF Trust | 0.00% | 12,360 NS | April 30, 2026 | N-PORT |
| URTY · ProShares Trust | 0.00% | 243 NS | May 31, 2026 | N-PORT |
| MSSM · MORGAN STANLEY PATHWAY FUNDS | 0.00% | 224 NS | May 31, 2026 | N-PORT |
| EBI · RBB Fund Trust | 0.00% | 201 NS | May 31, 2026 | N-PORT |
| HDG · ProShares Trust | 0.00% | 6 NS | May 31, 2026 | N-PORT |
| DCOR · Dimensional ETF Trust | 0.00% | 766 NS | April 30, 2026 | N-PORT |
| DFAC · Dimensional ETF Trust | 0.00% | 6,332 NS | April 30, 2026 | N-PORT |
| DFSV · Dimensional ETF Trust | 0.00% | 1,036 NS | April 30, 2026 | N-PORT |
| DFSU · Dimensional ETF Trust | 0.00% | 264 NS | April 30, 2026 | N-PORT |
| AVUS · AMERICAN CENTURY ETF TRUST | 0.00% | 1,264 NS | May 31, 2026 | N-PORT |
| DFAU · Dimensional ETF Trust | 0.00% | 1,010 NS | April 30, 2026 | N-PORT |
| DFUS · Dimensional ETF Trust | 0.00% | 1,480 NS | April 30, 2026 | N-PORT |
| DXUV · Dimensional ETF Trust | 0.00% | 4 NS | April 30, 2026 | N-PORT |
| VXF · VANGUARD INDEX FUNDS | 0.00% | 74,550 SH | Aug. 8, 2026 | Daily |
| VTI · VANGUARD INDEX FUNDS | 0.00% | 197,752 SH | Aug. 8, 2026 | Daily |
| VTHR · VANGUARD SCOTTSDALE FUNDS | 0.00% | 559 SH | Aug. 8, 2026 | Daily |