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Compared to Estimates, Plumas Bancorp (PLBC) Q4 Earnings: A Look at Key Metrics

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Plumas Bancorp (PLBC - Free Report) reported $28.58 million in revenue for the quarter ended December 2025, representing a year-over-year increase of 35.1%. EPS of $1.56 for the same period compares to $1.29 a year ago.

The reported revenue represents a surprise of +3.73% over the Zacks Consensus Estimate of $27.55 million. With the consensus EPS estimate being $1.37, the EPS surprise was +13.87%.

While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.

Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.

Here is how Plumas Bancorp performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
  • Efficiency ratio: 49.8% versus the two-analyst average estimate of 51.2%.
  • Total interest-earning assets - Average Balance: $2.05 billion compared to the $2.09 billion average estimate based on two analysts.
  • Net interest margin: 5% compared to the 4.7% average estimate based on two analysts.
  • Nonperforming assets: $15.32 million compared to the $15.26 million average estimate based on two analysts.
  • Nonperforming loans: $15.09 million compared to the $15.09 million average estimate based on two analysts.
  • Total non-interest income: $2.7 million versus the two-analyst average estimate of $2.63 million.
  • Net interest income before provision for credit losses: $25.87 million versus $24.94 million estimated by two analysts on average.

View all Key Company Metrics for Plumas Bancorp here>>>

Shares of Plumas Bancorp have returned -2.3% over the past month versus the Zacks S&P 500 composite's -0.4% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.

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