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Plumas Bancorp (PLBC) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 4, 2026 · Plumas Bancorp (PLBC) Q3 2026 earnings results →
Q3 2026 Revenue up 7% year over year to $29.3M · 39¢ of every $1 of revenue kept as net profit · operating margin 47.8%
Plumas Bancorp made $29.3M in Q3 2026 (+7% Y/Y): Net interest income $26.5M, Noninterest income $2.8M. Operating margin 47.8%, net earnings $11.4M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 4, 2026.
Drawing the Sankey…
Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was $29.3M in Q3 2026, up 7% year over year and up 2% from the previous quarter. Net interest income was the largest line at 91% of revenue. Net interest income added $1.4M year over year (up 5%), 72% of the total change.
Operating profit was $14.0M, a 47.8% margin (up 22.6 points year over year). Of the extra revenue versus Q3 2025, 374% reached operating profit, above the 25% margin then. Total costs fell 25% while revenue rose 7%. Net earnings were $11.4M, up 121% year over year. The effective tax rate was 18.9%.
Operating cash flow was $14.7M (up 163% year over year), 129% of net earnings. Non-cash charges added back $449K of depreciation and amortization and $250K of share-based compensation. Working capital and other items added $2.6M. Capital expenditures of $122K left free cash flow of $14.6M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 4, 2026 | $29.3M | +7% | 47.8% | $11.4M | $14.7M |
| Q3 2025 | 10-Q | Nov 5, 2025 | $27.4M | +30% | 25.2% | $5.1M | $5.6M |
| Q2 2025 | 10-Q | Aug 6, 2025 | $20.5M | -0.3% | 42.2% | $6.3M | $2.1M |
| Q1 2025 | 10-Q | May 7, 2025 | $21.8M | +11% | 46.1% | $7.2M | $7.5M |
Charts
Interactive views
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💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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🔍Earnings qualityinteractive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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🏭Its industry’s money flow (input-output)interactive
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About Plumas Bancorp
References in this report to the “Company,” “we,” “us” and “our” refer to Plumas Bancorp and its consolidated subsidiary, unless the context indicates otherwise. References to the “Bank” refer to Company’s wholly-owned subsidiary, Plumas Bank. References to “Management” refer to the members of the Company’s management and references to the “Board of Directors” or the “Board” refer to the Company’s Board of Directors. The Company . Plumas Bancorp is a bank holding company headquartered in Reno, Nevada. Substantially all of the Company's operations are conducted through its subsidiary, Plumas Bank, which is also the principal source of the Company’s revenue.
In its own words, from its 10-K, filed Mar 19, 2026.
Plumas Bancorp against its Short-Term Business Credit Institutions peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +7% against the peers' median +5%. Operating margin: 47.8% against the peers' median 30.0%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| PLBC Plumas Bancorp | Q3 2026 | $29.3M | +7% | 47.8% |
| Deere John Capital | Q3 FY26 | $1.2B | -3% | 18.0% |
| ECPG Encore Capital Group | Q3 2026 | $545M | +18% | 42.3% |
| PRAA PRA Group | Q3 2026 | $286M | -8% | 30.0% |
| Paccar Financial | Q3 2026 | $235M | -0.3% | 25.6% |
| JCAP Jefferson Capital | Q2 2026 | $178M | +16% | 45.9% |
| SWRD Stewards | Q2 2026 | $3.5M | +5% | -114.5% |
Source: Plumas Bancorp 10-Q on SEC EDGAR · CIK 1168455 · Short-Term Business Credit Institutions
Guidance and outlook
13F: who owns PLBC and who is buying
More on PLBC
History
Every quarter: Q3 2026 results · Q3 2025 results · Q2 2025 results · Q1 2025 results