Compared to Estimates, Plumas Bancorp (PLBC) Q4 Earnings: A Look at Key Metrics

Core Insights - Plumas Bancorp reported a revenue of $28.58 million for the quarter ended December 2025, marking a year-over-year increase of 35.1% and exceeding the Zacks Consensus Estimate by 3.73% [1] - The earnings per share (EPS) for the same period was $1.56, up from $1.29 a year ago, representing a surprise of 13.87% over the consensus estimate of $1.37 [1] Financial Performance Metrics - The efficiency ratio was reported at 49.8%, better than the average estimate of 51.2% from two analysts [4] - Total interest-earning assets averaged $2.05 billion, slightly below the $2.09 billion estimate [4] - The net interest margin was 5%, exceeding the average estimate of 4.7% [4] - Nonperforming assets totaled $15.32 million, slightly above the average estimate of $15.26 million [4] - Nonperforming loans were reported at $15.09 million, matching the average estimate [4] - Total non-interest income was $2.7 million, surpassing the average estimate of $2.63 million [4] - Net interest income before provision for credit losses was $25.87 million, exceeding the estimated $24.94 million [4] Stock Performance - Over the past month, shares of Plumas Bancorp have returned -2.3%, compared to a -0.4% change in the Zacks S&P 500 composite [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating expected performance in line with the broader market [3]