Filing Flows › Plumas Bancorp (PLBC) › Q3 2025
Plumas Bancorp (PLBC) Q3 2025 earnings results (third quarter 2025)
10-Q filed Nov 5, 2025
Plumas Bancorp (PLBC) reported revenue of $27.4M for the third quarter 2025 (Q3 2025), +30% from a year earlier and +33% from the quarter before. Operating margin was 25.2%, net earnings $5.1M (18.8% of revenue).
Plumas Bancorp, Q3 2025: revenue $27.4M (+30% year over year), operating margin 25.2%, net earnings $5.1M, operating cash flow $5.6M. The chart follows the revenue to costs, profit and cash.
| Q3 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $27.4M | +33% | +30% |
| Operating profit | $6.9M | -20% | -35% |
| Net earnings | $5.1M | -19% | -34% |
| Operating cash flow | $5.6M | +171% | -30% |
| Free cash flow | $4.8M | +136% | -39% |
What changed
Revenue was $27.4M in Q3 2025, up 30% year over year and up 33% from the previous quarter.
Operating profit was $6.9M, a 25.2% margin (down 25.4 points year over year). Operating profit fell $3.8M even though revenue rose $6.3M versus a year earlier, so costs grew faster than sales. Total costs grew 97% against revenue growth of 30%. Net earnings were $5.1M, down 34% year over year. The effective tax rate was 25.6%.
Operating cash flow was $5.6M (down 30% year over year), 109% of net earnings. Non-cash charges added back $1.1M of depreciation and amortization and $93K of share-based compensation. Working capital and other items used $699K. Capital expenditures of $801K left free cash flow of $4.8M.
Questions
What was Plumas Bancorp's revenue in the third quarter 2025?
Plumas Bancorp (PLBC) reported revenue of $27.4M for the third quarter 2025 (Q3 2025), +30% from a year earlier and +33% from the quarter before.
Was Plumas Bancorp profitable in the third quarter 2025?
Operating profit was $6.9M (25.2% of revenue) and net earnings $5.1M.
Source: Plumas Bancorp 10-Q on SEC EDGAR.