Plumas Bancorp (PLBC) — Cash Flow Quality Index
Plumas Bancorp (PLBC) has a Cash Flow Quality Index of 1.09x as of September 2025. Operating cash flow of $5.60 Million exceeds net income of $5.14 Million, indicating high earnings quality where cash backs reported profits. Explore Plumas Bancorp debt service capacity to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Plumas Bancorp Cash Flow Quality Index (2001–2024)
Historical Cash Flow Quality Index for Plumas Bancorp across 23 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see Plumas Bancorp cash conversion from operations.
Annual Cash Flow Quality Index for Plumas Bancorp (2001–2024)
Year-by-year earnings quality comparison for Plumas Bancorp.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2024 | 1.07x | $30.51 Million | $28.62 Million | ▼ -17.2% |
| 2023 | 1.29x | $38.34 Million | $29.78 Million | ▼ -40.1% |
| 2022 | 2.15x | $56.88 Million | $26.44 Million | ▲ +636.9% |
| 2021 | -0.40x | $-8.42 Million | $21.01 Million | ▼ -123.5% |
| 2020 | 1.70x | $24.63 Million | $14.47 Million | ▲ +70.5% |
| 2019 | 1.00x | $15.48 Million | $15.51 Million | ▼ -10.7% |
| 2018 | 1.12x | $15.64 Million | $13.99 Million | ▼ -20.3% |
| 2017 | 1.40x | $11.48 Million | $8.19 Million | ▲ +17.7% |
| 2016 | 1.19x | $8.90 Million | $7.47 Million | ▼ -4.1% |
| 2015 | 1.24x | $7.23 Million | $5.82 Million | ▲ +10.1% |
| 2014 | 1.13x | $5.34 Million | $4.74 Million | ▼ -63.9% |
| 2013 | 3.12x | $10.71 Million | $3.43 Million | ▲ +4.8% |
| 2012 | 2.98x | $5.80 Million | $1.95 Million | ▼ -72.2% |
| 2011 | 10.72x | $10.09 Million | $941.00K | ▲ +2.9% |
| 2010 | 10.42x | $10.12 Million | $971.00K | ▼ -49.9% |
| 2008 | 20.79x | $6.32 Million | $304.00K | ▲ +1005.7% |
| 2007 | 1.88x | $7.94 Million | $4.22 Million | ▲ +27.1% |
| 2006 | 1.48x | $7.70 Million | $5.20 Million | ▼ -14.6% |
| 2005 | 1.73x | $7.84 Million | $4.53 Million | ▼ -23.9% |
| 2004 | 2.28x | $8.30 Million | $3.65 Million | ▲ +21.3% |
| 2003 | 1.88x | $6.16 Million | $3.28 Million | ▲ +75.7% |
| 2002 | 1.07x | $3.37 Million | $3.15 Million | ▼ -25.7% |
| 2001 | 1.44x | $3.97 Million | $2.76 Million | — |