The stock is likely to react positively to the strong EPS beat and acquisition-driven growth, but traders should monitor asset quality deterioration from the concentrated agricultural loan default.
Price Chart
Executive Summary
Plumas Bancorp reported Q1 2025 earnings of $1.40 per share (diluted $1.38), beating consensus EPS of $1.28 by 21.9%, driven by strong net interest income growth from the Cornerstone acquisition. Revenue was not explicitly reported but net interest income surged 35.6% to $25.1M, though nonperforming loans spiked due to a single $9.3M agricultural relationship.
Key Financial Metrics
Key Facts
- EPS of $1.38 (diluted) beat consensus of $1.28 by 21.9%
- Net interest income grew 35.6% YoY to $25.1 million, driven by Cornerstone acquisition
- Nonperforming loans surged to $14.2M (0.94% of total loans) from $3.7M, primarily due to one $9.3M agricultural loan relationship
- Record quarterly earnings of $9.8M, up from $7.2M in Q1 2025
- Stock repurchase program of $25M authorized, with $2.0M executed in Q1
Financial Impact
EPS beat by 21.9%, net interest income up $6.6M (35.6%) YoY
Risk Factors
- Nonperforming assets increased to 0.65% of total assets, up from 0.23%
- Fraudulent wire transfer losses of $726K in the quarter
- Interest rate risk from 77% of variable-rate loans indexed to 5-year T-Bill
Market Snapshot
Investment Themes
Documents Analyzed
This report is based on 1 press release from GlobeNewswire.
| Document | Accession Number |
|---|---|
| PRESS-RELEASE Data (Synthetic) | press-3274470 |
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 22, 2026 5d ago | 8-K | $63.49 $63.20 | ▼ −0.46% | ▲ +0.07% | $63.30 (−0.30%) |
Oct 22, 2026 5d ago | Press Release | $63.49 $63.20 | ▼ −0.46% | ▲ +0.07% | $63.30 (−0.30%) |
Oct 22, 2026 5d ago | 8-K | $63.49 $63.20 | ▼ −0.46% | ▲ +0.07% | $63.30 (−0.30%) |
Oct 21, 2026 6d ago | 8-K | $63.05 $63.49 | ▲ +0.70% | ▲ +1.88% | $63.30 (+0.40%) |
Oct 21, 2026 6d ago | 8-K | $63.05 $63.49 | ▲ +0.70% | ▲ +1.88% | $63.30 (+0.40%) |
Oct 21, 2026 6d ago | Press Release | $63.05 $63.49 | ▲ +0.70% | ▲ +1.88% | $63.30 (+0.40%) |
Jul 16, 2026 14w ago | 8-K | $61.96 $61.35 | ▼ −0.98% | ▲ +0.01% | $63.30 (+2.16%) |
Jul 15, 2026 14w ago | 8-K | $60.24 $61.96 | ▲ +2.86% | ▲ +3.40% | $63.30 (+5.08%) |
Jul 15, 2026 14w ago | 8-K | $60.24 $61.96 | ▲ +2.86% | ▲ +3.40% | $63.30 (+5.08%) |
Jul 15, 2026 14w ago | Press Release | $60.24 $61.96 | ▲ +2.86% | ▲ +3.40% | $63.30 (+5.08%) |
US Market Status
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