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Plumas Bancorp cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$14.6M in Q3 2026 · $41.5M over twelve months

Operating cash flow$14.7M
Capital spending−$122K
Free cash flow+$14.6M
Cash / net income1.3×

Analysis

In Q3 2026, Plumas Bancorp generated $14.7M of operating cash flow and spent $122K on capital projects, leaving free cash flow of $14.6M. That is $9.8M more than in Q3 2025 ($4.8M).

Over the twelve months to Sep 30, 2026, operating cash flow was $42.2M; the largest uses were dividends ($9.0M), other investing ($7.8M), capital spending ($697K); besides operations, cash came from shares issued ($1.7M), other financing ($560K); the cash balance rose by $27.1M.

Operating cash flow was $14.7M against net income of $11.4M — 1.3× profit, cash ran ahead of reported earnings. The largest differences: accrued liabilities +$13.7M, prepaid and other assets −$10.2M, depreciation & amortization +$449K.

Free cash flow

Plumas Bancorp: free cash flow by quarterPlumas Bancorp: free cash flow by quarter$8.2MQ4 2024$7.3MQ1 2025$2.0MQ2 2025$4.8MQ3 2025$6.1MQ4 2025$9.3MQ1 2026$11.6MQ2 2026$14.6MQ3 2026
Operating cash flow less capital spending.
Plumas Bancorp: operating cash flow against capital spendingPlumas Bancorp: operating cash flow against capital spendingOperating cash flowCapital spending$8.3M$108KQ4 2024$7.5M$173KQ1 2025$2.1M$31KQ2 2025$5.6M$801KQ3 2025$6.4M$306KQ4 2025$9.4M$137KQ1 2026$11.7M$132KQ2 2026$14.7M$122KQ3 2026
Latest (Q3 2026): Operating cash flow $14.7M, Capital spending $122K.

Capital allocation, year by year

Plumas Bancorp: where the cash came from (up) and went (down), by fiscal yearPlumas Bancorp: where the cash came from (up) and went (down), by fiscal yearOperating cash flowShares issuedCapital spendingAcquisitionsDividendsFY2021: Operating cash flow −$8.4MFY2021: Shares issued $265KFY2021: Capital spending −$931KFY2021: Dividends −$3.1M$265KFY2021FY2022: Operating cash flow $56.9MFY2022: Shares issued $309KFY2022: Capital spending −$3.0MFY2022: Dividends −$3.7M$57.2MFY2022FY2023: Operating cash flow $38.3MFY2023: Shares issued $339KFY2023: Capital spending −$2.3MFY2023: Dividends −$5.9M$38.7MFY2023FY2024: Operating cash flow $30.5MFY2024: Shares issued $508KFY2024: Capital spending −$678KFY2024: Dividends −$6.4M$31.0MFY2024FY2025: Operating cash flow $21.6MFY2025: Shares issued $1.1MFY2025: Capital spending −$1.3MFY2025: Acquisitions $35.8MFY2025: Dividends −$7.7M$58.5MFY2025
Over these 5 years operating cash flow totalled $139M; the largest uses were dividends ($26.8M) and operating cash flow ($8.4M). Cash-flow statements as filed.

Where the cash came from and went

Plumas Bancorp: sources (+) and uses (−) of cash, Q3 2026Plumas Bancorp: sources (+) and uses (−) of cash, Q3 2026Cash drawn (+) / kept (−)$21.2MOther investing−$16.9MOther financing−$15.3MOperating cash flow$14.7MDividends−$2.3MBuybacks−$1.4MCapital spending−$122KShares issued$81K
Plumas Bancorp: sources (+) and uses (−) of cash, TTM to Q3 2026Plumas Bancorp: sources (+) and uses (−) of cash, TTM to Q3 2026Operating cash flow$42.2MCash drawn (+) / kept (−)−$27.1MDividends−$9.0MOther investing−$7.8MShares issued$1.7MCapital spending−$697KOther financing$560K

From profit to cash

Plumas Bancorp: net income to operating cash flow, Q3 2026Plumas Bancorp: net income to operating cash flow, Q3 2026Net income$11.4MDepreciation & amortization$449KStock-based pay$250KAccrued liabilities$13.7MPrepaid and other assets−$10.2MOperating cash flow$14.7M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingBuybacksDividendsShares issuedCash drawn (+) / kept (−)Free cash flow
Q3 2026$14.7M−$122K−$1.4M−$2.3M$81K$21.2M$14.6M
Q2 2026$11.7M−$132K−$756K−$2.3M$101K−$72.7M$11.6M
Q1 2026$9.4M−$137K−$2.0M−$2.3M$1.4M$17.7M$9.3M
Q4 2025$6.4M−$306K—−$2.1M$169K$6.7M$6.1M
Q3 2025$5.6M−$801K—−$2.1M$353K−$8.0M$4.8M
Q2 2025$2.1M−$31K—−$1.8M$254K$8.1M$2.0M
Q1 2025$7.5M−$173K—−$1.8M$329K−$5.3M$7.3M
Q4 2024$8.3M−$108K—−$1.6M$141K$35.9M$8.2M

Plumas Bancorp: income statement and cash flow

Plumas Bancorp, Q3 2026: revenue $29.3M (+7% year over year), operating margin 47.8%. The chart follows the revenue to costs, profit and cash.

Plumas Bancorp: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.