Plumas Bancorp $PLBC Read from its own SEC filings · nothing written, nothing inferred
🫧 Edgar looked up Plumas Bancorp ($PLBC). Last filing: 8-K (5.02 Departure or Election of Directors; Appointment of Officers), 2026-10-22. 22 event filings (8-K) in the past twelve months. Auditor change (8-K Item 4.01) filed 2024-11-20.
🔖 Exposure: revenue $2.3M (FY2020). Experience: revenue down 13.8% on the year, down 2.0% a year over 3 years. Soundness: equity 9.0% of assets, return on equity 14.5%, payout 12.9% of profit, dividend per share up 5 years running. Credibility: four or more audited years, reasonable weight. Range: 80% of past cases like this landed between $1.3M and $3.4M next year (method v4.1: its own 3-year record of growth weighed at 40% against under $50M filers; across 2019–2025, 69.0% landed inside, 83.4% on the one year the method never saw). In a shock year the stress range is $1.2M to $3.6M. A statistical range, not company guidance. Against peers (8 filers, $50M+ revenue, its industry group): growth -13.8% against 6.7%.
Gold paid out, navy kept. Kept share × return on equity = the growth it can fund itself. Facts from the filings, not a recommendation.
Cash
| Cash flow (op · inv · fin · free) | $25M · −$114M · $228M · $23M |
| Investment book (cash · short · long) | $185M · — · $58M · unrealized $7M |
The figures, as filed
| Fiscal year end | 2020-12-31 |
| Revenue | $2M |
| Revenue, on the year | −13.8% |
| Revenue, a year over the record | −2.0% |
| Operating margin | — |
| Operating margin, prior year | — |
| Net margin | 623.1% |
| Research and development | not filed separately |
| Total debt | — |
| Equity of assets | 9.0% |
| Return on equity | 14.5% |
| Payout of profit | 12.9% |
| Dividend per share | $1.2 · up 5 years running |
| Earnings per share | $2.8 |
| Book value per share | $19.15 |
| Revenue per share | $0.44 |
| Shares outstanding | 5,230,000 |
| Audited years read | 4 |
Peers: the median of 8 filers with $50M+ revenue in short-term business credit institutions.
Classic signals · fiscal 2020Altman Z″ not covered: built for industrial balance sheets, not banks or insurersPiotroski F 5 of 9 middling 2000Beneish M not covered: built for industrial filersSloan accruals -1% earnings backed by cash 1996DuPont ROE 15.7% = margin 623.1% × turns 0 × leverage 10.7
What a terminal subscription used to buy, a filing and arithmetic now give anyone. Published method, from the same filings. Display only: nothing here moves the range or its receipt. Why? →
Health HarborPlumas Bancorp sails as: Sound ship
Health watch · 12 monthsDirector or officer change ×5
No growth figure to set the speed.
🌊 Visit the Bay →- revenue is hard to predict: its 80% range is ±44%
Boat condition = number of warning signs: a serious warning filing in 12 months; liabilities over assets; slow and jumpy; negative operating cash; an 80% revenue range of ±25% or wider. A picture of the signs, not a rating and not investment advice.
- 8-K · 2026-10-22 · 5.02 Departure or Election of Directors; Appointment of Officers; 9.01 Financial Statements and Exhibits
- 8-K · 2026-10-22 · 8.01 Other Events
- 8-K · 2026-10-21 · 7.01 Regulation FD Disclosure; 9.01 Financial Statements and Exhibits
- 8-K · 2026-10-21 · 2.02 Results of Operations and Financial Condition; 9.01 Financial Statements and Exhibits
- 10-Q · 2026-08-05
- 8-K · 2026-07-16 · 8.01 Other Events
Its latest audited year is FY2025, which reports no revenue; the revenue figures and the range here are from FY2020, its last year with revenue on record. Figures are as filed in audited 10-K reports and can move with restatements, acquisitions, disposals or a change in fiscal year. A range set from how past company-years turned out is not a promise about the next one, and says nothing about the share price. Reporting, not investment advice. No price targets and no trading recommendations. Figures from the SEC’s own data · every filing · this page as JSON · ask about another company