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Plumas Bancorp (PLBC) Q2 Earnings: Taking a Look at Key Metrics Versus Estimates

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Plumas Bancorp (PLBC - Free Report) reported $28.76 million in revenue for the quarter ended June 2026, representing a year-over-year increase of 40%. EPS of $1.41 for the same period compares to $1.05 a year ago.

The reported revenue compares to the Zacks Consensus Estimate of $28 million, representing a surprise of +2.71%. The company delivered an EPS surprise of +2.92%, with the consensus EPS estimate being $1.37.

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:
  • net charge-offs as a percentage of average loans (annualized): 0.1% versus 0.1% estimated by two analysts on average.
  • Efficiency ratio: 50.4% compared to the 52.1% average estimate based on two analysts.
  • Net interest margin: 5.1% compared to the 5% average estimate based on two analysts.
  • Nonperforming loans: $23.47 million versus the two-analyst average estimate of $14.23 million.
  • Nonperforming assets: $23.63 million compared to the $14.49 million average estimate based on two analysts.
  • Total interest-earning assets - Average Balance: $2.03 billion versus $2.02 billion estimated by two analysts on average.
  • Total non-interest income: $2.75 million versus the two-analyst average estimate of $2.67 million.
  • Net interest income before provision for credit losses: $26.01 million versus $25.34 million estimated by two analysts on average.

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

Shares of Plumas Bancorp have returned +5.1% over the past month versus the Zacks S&P 500 composite's +1.6% 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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