Plumas Bancorp (PLBC) Q3 Earnings: Taking a Look at Key Metrics Versus Estimates

Core Insights - Plumas Bancorp reported $27.42 million in revenue for the quarter ended September 2025, marking a year-over-year increase of 29.9% and an EPS of $1.35 compared to $1.31 a year ago [1] - The revenue fell short of the Zacks Consensus Estimate of $28.1 million, resulting in a surprise of -2.41%, while the EPS exceeded expectations with a surprise of +104.55% against a consensus estimate of $0.66 [1] Financial Performance Metrics - Efficiency ratio stood at 55.2%, higher than the average estimate of 50% based on two analysts [4] - Net interest margin was reported at 4.8%, matching the two-analyst average estimate [4] - Total interest-earning assets averaged $2.07 billion, below the two-analyst average estimate of $2.13 billion [4] - Nonperforming loans amounted to $15.03 million, exceeding the average estimate of $13.59 million [4] - Nonperforming assets were reported at $15.17 million, compared to the average estimate of $13.68 million [4] - Net charge-offs as a percentage of average loans (annualized) were 0%, better than the average estimate of 0.1% [4] - Total non-interest income was $2.25 million, below the average estimate of $2.51 million [4] - Net interest income before provision for credit losses was $25.17 million, slightly lower than the average estimate of $25.57 million [4] Stock Performance - Shares of Plumas Bancorp have returned -0.8% over the past month, while the Zacks S&P 500 composite increased by +1% [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating potential performance in line with the broader market in the near term [3]