Plumas Bancorp (PLBC) - Net Assets
Based on the latest financial reports, Plumas Bancorp (PLBC) has net assets worth $261.08 Million USD as of December 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($2.24 Billion) and total liabilities ($1.98 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check financial resilience of Plumas Bancorp to evaluate the company's liquid asset resilience ratio.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $261.08 Million |
| % of Total Assets | 11.66% |
| Annual Growth Rate | 11.12% |
| 5-Year Change | 94.71% |
| 10-Year Change | 443.98% |
| Growth Volatility | 13.9 |
Plumas Bancorp - Net Assets Trend (1999–2025)
This chart illustrates how Plumas Bancorp's net assets have evolved over time, based on quarterly financial data. Also explore PLBC asset base for the complete picture of this company's asset base.
Annual Net Assets for Plumas Bancorp (1999–2025)
The table below shows the annual net assets of Plumas Bancorp from 1999 to 2025. For live valuation and market cap data, see how much is Plumas Bancorp worth.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $261.08 Million | +46.75% |
| 2024-12-31 | $177.90 Million | +20.76% |
| 2023-12-31 | $147.32 Million | +23.79% |
| 2022-12-31 | $119.00 Million | -11.25% |
| 2021-12-31 | $134.08 Million | +33.88% |
| 2020-12-31 | $100.15 Million | +18.52% |
| 2019-12-31 | $84.50 Million | +26.26% |
| 2018-12-31 | $66.93 Million | +20.17% |
| 2017-12-31 | $55.70 Million | +16.06% |
| 2016-12-31 | $47.99 Million | +12.94% |
| 2015-12-31 | $42.50 Million | +16.44% |
| 2014-12-31 | $36.50 Million | +19.30% |
| 2013-12-31 | $30.59 Million | -26.90% |
| 2012-12-31 | $41.85 Million | +5.59% |
| 2011-12-31 | $39.63 Million | +4.33% |
| 2010-12-31 | $37.99 Million | -0.64% |
| 2009-12-31 | $38.23 Million | +7.88% |
| 2008-12-31 | $35.44 Million | -4.58% |
| 2007-12-31 | $37.14 Million | +3.59% |
| 2006-12-31 | $35.85 Million | +15.14% |
| 2005-12-31 | $31.14 Million | +11.64% |
| 2004-12-31 | $27.89 Million | +8.32% |
| 2003-12-31 | $25.75 Million | +10.57% |
| 2002-12-31 | $23.29 Million | +12.96% |
| 2001-12-31 | $20.62 Million | +13.50% |
| 2000-12-31 | $18.16 Million | +8.04% |
| 1999-12-31 | $16.81 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Plumas Bancorp's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 19589900000.0% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $195.90 Million | 75.04% |
| Common Stock | $75.67 Million | 28.98% |
| Other Comprehensive Income | $-10.49 Million | -4.02% |
| Total Equity | $261.08 Million | 100.00% |
Plumas Bancorp Competitors by Market Cap
The table below lists competitors of Plumas Bancorp ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Jouder Precision Industry Kunshan Co Ltd
SHE:300549
|
$355.31 Million |
|
Joyvio Agriculture Development Co Ltd
SHE:300268
|
$355.34 Million |
|
Genie Energy Ltd
NYSE:GNE
|
$355.37 Million |
|
CNlight Co Ltd
SHE:002076
|
$355.44 Million |
|
Oma Saastopankki Oyj
HE:OMASP
|
$355.08 Million |
|
Hong Tai Electric Industrial Co Ltd
TW:1612
|
$355.01 Million |
|
AVCON Information Tech
SHE:300074
|
$354.98 Million |
|
NSI NV
AS:NSI
|
$354.91 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Plumas Bancorp's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 177,900,000 to 261,076,000, a change of 83,176,000 (46.8%).
- Net income of 29,617,000 contributed positively to equity growth.
- Other comprehensive income increased equity by 14,654,000.
- Other factors increased equity by 38,905,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $29.62 Million | +11.34% |
| Other Comprehensive Income | $14.65 Million | +5.61% |
| Other Changes | $38.91 Million | +14.9% |
| Total Change | $- | 46.75% |
Book Value vs Market Value Analysis
This analysis compares Plumas Bancorp's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.27x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 15.42x to 1.27x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 1999-12-31 | $3.31 | $51.05 | x |
| 2000-12-31 | $3.73 | $51.05 | x |
| 2001-12-31 | $4.31 | $51.05 | x |
| 2002-12-31 | $4.73 | $51.05 | x |
| 2003-12-31 | $5.18 | $51.05 | x |
| 2004-12-31 | $5.58 | $51.05 | x |
| 2005-12-31 | $6.12 | $51.05 | x |
| 2006-12-31 | $7.03 | $51.05 | x |
| 2007-12-31 | $7.42 | $51.05 | x |
| 2008-12-31 | $7.33 | $51.05 | x |
| 2009-12-31 | $8.57 | $51.05 | x |
| 2010-12-31 | $7.95 | $51.05 | x |
| 2011-12-31 | $8.30 | $51.05 | x |
| 2012-12-31 | $8.75 | $51.05 | x |
| 2013-12-31 | $6.27 | $51.05 | x |
| 2014-12-31 | $7.33 | $51.05 | x |
| 2015-12-31 | $8.40 | $51.05 | x |
| 2016-12-31 | $9.41 | $51.05 | x |
| 2017-12-31 | $10.74 | $51.05 | x |
| 2018-12-31 | $12.82 | $51.05 | x |
| 2019-12-31 | $16.16 | $51.05 | x |
| 2020-12-31 | $19.15 | $51.05 | x |
| 2021-12-31 | $24.02 | $51.05 | x |
| 2022-12-31 | $20.13 | $51.05 | x |
| 2023-12-31 | $24.83 | $51.05 | x |
| 2024-12-31 | $29.81 | $51.05 | x |
| 2025-12-31 | $40.06 | $51.05 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Plumas Bancorp utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 11.34%
- The company shows good efficiency in utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 27.36%
- • Asset Turnover: 0.05x
- • Equity Multiplier: 8.57x
- Recent ROE (11.34%) is below the historical average (11.66%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 1999 | 13.49% | 92.42% | 0.01x | 12.63x | $586.70K |
| 2000 | 14.11% | 96.10% | 0.01x | 13.41x | $746.50K |
| 2001 | 13.38% | 12.53% | 0.08x | 13.34x | $696.30K |
| 2002 | 13.54% | 14.56% | 0.07x | 13.98x | $825.20K |
| 2003 | 12.74% | 14.79% | 0.06x | 15.16x | $706.10K |
| 2004 | 13.07% | 14.46% | 0.06x | 14.96x | $856.90K |
| 2005 | 14.54% | 14.81% | 0.06x | 15.18x | $1.41 Million |
| 2006 | 14.51% | 15.02% | 0.07x | 13.20x | $1.62 Million |
| 2007 | 11.37% | 11.82% | 0.08x | 12.20x | $509.10K |
| 2008 | 0.86% | 1.00% | 0.07x | 12.90x | $-3.24 Million |
| 2009 | -23.92% | -31.99% | 0.05x | 13.81x | $-12.97 Million |
| 2010 | 2.56% | 3.36% | 0.06x | 12.75x | $-2.83 Million |
| 2011 | 2.37% | 3.77% | 0.05x | 11.49x | $-3.02 Million |
| 2012 | 4.66% | 7.87% | 0.05x | 11.42x | $-2.23 Million |
| 2013 | 11.21% | 13.17% | 0.05x | 16.86x | $371.70K |
| 2014 | 12.98% | 16.69% | 0.05x | 14.76x | $1.09 Million |
| 2015 | 13.69% | 19.18% | 0.05x | 14.10x | $1.57 Million |
| 2016 | 15.57% | 22.89% | 0.05x | 13.71x | $2.67 Million |
| 2017 | 14.70% | 22.03% | 0.05x | 13.38x | $2.62 Million |
| 2018 | 20.90% | 32.51% | 0.05x | 12.32x | $7.30 Million |
| 2019 | 18.36% | 32.86% | 0.05x | 10.24x | $7.06 Million |
| 2020 | 14.45% | 30.25% | 0.04x | 11.10x | $4.46 Million |
| 2021 | 15.67% | 37.18% | 0.04x | 12.04x | $7.60 Million |
| 2022 | 22.22% | 37.49% | 0.04x | 13.62x | $14.54 Million |
| 2023 | 20.21% | 35.08% | 0.05x | 10.93x | $15.04 Million |
| 2024 | 16.09% | 39.28% | 0.04x | 9.12x | $10.83 Million |
| 2025 | 11.34% | 27.36% | 0.05x | 8.57x | $3.51 Million |
Industry Comparison
This section compares Plumas Bancorp's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $552,557,300
- Average return on equity (ROE) among peers: 11.02%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Plumas Bancorp (PLBC) | $261.08 Million | 13.49% | 7.57x | $355.26 Million |
| Ameris Bancorp (ABCB) | $1.46 Billion | 8.31% | 6.86x | $4.95 Billion |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $5.70 Billion |
| ACNB Corporation (ACNB) | $74.01 Million | 9.97% | 11.77x | $483.21 Million |
| Affinity Bancshares Inc (AFBI) | $129.12 Million | 4.21% | 5.71x | $135.98 Million |
| Alerus Financial Corp (ALRS) | $153.31 Million | 13.22% | 8.01x | $647.19 Million |
| Amalgamated Bank (AMAL) | $535.82 Million | 8.62% | 10.16x | $1.14 Billion |
| Amerant Bancorp Inc. (AMTB) | $901.22 Million | 12.53% | 7.48x | $962.39 Million |
| Arrow Financial Corporation (AROW) | $72.29 Million | 17.85% | 12.85x | $601.02 Million |
| Associated Banc-Corp (ASB) | $2.02 Billion | 12.80% | 9.17x | $5.20 Billion |
| AmeriServ Financial Inc (ASRV) | $65.10 Million | 11.83% | 10.90x | $62.60 Million |
About Plumas Bancorp
Plumas Bancorp operates as the bank holding company for the Plumas Bank that provides various banking products and services for small and middle market businesses and individuals in California, Nevada, and Oregon. The company accepts various deposits, such as checking, money market checking, business sweep, public funds sweep, savings, and retirement accounts, and time and remote deposits. Its lo… Read more