PLBC
Plumas Bancorp45.90
-0.11-0.24%
Dec 16, 4:00:00 PM EST
Earnings Call Transcripts
This Quarter (Q1 '26)
No earnings call transcript available yet
Last Quarter (Q4 '25)
No earnings call transcript available
Key Stats
Market Cap
319.26MP/E (TTM)
10.83Basic EPS (TTM)
4.24Dividend Yield
0.03%Recent Filings
10-K
FY2025 results
Plumas Bancorp grew assets to $2.2B in FY2025 ended December 31, 2025, with net income of $29.6M versus $28.6M in 2024, as net interest income jumped 19% to $87.8M on 49% loan expansion to $1.5B—fueled by July's Cornerstone acquisition adding four branches—while net interest margin edged up to 4.91%. The $6.9M credit provision reflected acquisition-related CECL charges, yet nonperformers rose to 1.0% of loans from 0.4%, tied to one $9.8M ag relationship. Deposits swelled 32% to $1.8B; equity hit $261M after $1.20/share dividends. Q4 momentum shone in portfolio restructurings boosting yields. CRE loans dominate at 66%. Droughts threaten ag exposure.
8-K
New RSU form adopted
Plumas Bancorp's board adopted a new restricted stock unit award form under its 2022 Equity Incentive Plan on March 1, 2026, for future grants to directors, executives, and employees. Unlike prior agreements, it denies cash dividends or equivalents on unvested units—shares get dividends only post-vesting and issuance. Vesting ties to continued service. No grants occurred yet.
8-K
Indemnity for new CCPO
Plumas Bancorp and Plumas Bank entered indemnification agreements on February 18, 2026, for new EVP/Chief Credit Officer Kevin Kaiser, appointed January 1. These pacts promise maximum legal protection and expense advances for executives. Standard fare. Yet they underscore retention focus for key risk overseer.
8-K
Approves $25M buyback program
Plumas Bancorp's board authorized a $25 million common stock repurchase program on February 2, 2026, running through Q4 2026 via open market or private deals. Funded by cash and retained earnings, it signals strong capital and long-term confidence, per CEO Ryback. Program flexible; may suspend anytime. Execution hinges on markets.
8-K
2026 incentive plan approved
Plumas Bancorp approved its 2026 cash non-equity incentive plan on January 21, 2026, tying bonuses to exceeding the 50th percentile ROA versus $1B-$3B peers as of September 30. Officers claim 90.9% of the pool, capped at 8.8% of year-end pretax pre-bonus income; CEO payout blends ROA, goals, metrics, and committee review. Payouts hinge on performance. Board can modify or terminate.
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