Plumas Bancorp (PLBC) reported $27.42 million in revenue for the quarter ended September 2025, representing a year-over-year increase of 29.9%. EPS of $1.35 for the same period compares to $1.31 a year ago.
The reported revenue compares to the Zacks Consensus Estimate of $28.1 million, representing a surprise of -2.41%. The company delivered an EPS surprise of +104.55%, with the consensus EPS estimate being $0.66.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.
Here is how Plumas Bancorp performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
- Efficiency ratio: 55.2% compared to the 50% average estimate based on two analysts.
- Net interest margin: 4.8% versus the two-analyst average estimate of 4.8%.
- Total interest-earning assets - Average Balance: $2.07 billion versus the two-analyst average estimate of $2.13 billion.
- Nonperforming loans: $15.03 million versus $13.59 million estimated by two analysts on average.
- Nonperforming assets: $15.17 million compared to the $13.68 million average estimate based on two analysts.
- net charge-offs as a percentage of average loans (annualized): 0% versus the two-analyst average estimate of 0.1%.
- Total non-interest income: $2.25 million versus the two-analyst average estimate of $2.51 million.
- Net interest income before provision for credit losses: $25.17 million compared to the $25.57 million average estimate based on two analysts.
View all Key Company Metrics for Plumas Bancorp here>>>
Shares of Plumas Bancorp have returned -0.8% over the past month versus the Zacks S&P 500 composite's +1% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.
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Plumas Bancorp (PLBC): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).
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