Plumas Bancorp

PLBCNASDAQFinancial Services● Active

$54.71

+$0.53(+0.98%)

Market Cap$381226939

P/E Ratio—

52W High$55.94

52W Low$39.7

Avg Volume48K

Open$54.59

Beta0.61

Free Cash Flow Financials Revenue

Plumas Bancorp (PLBC) Free Cash Flow & Analysis

Annual & trailing free cash flow, FCF margin, YoY change, valuation ratios, and peer context.

PLBC · free cash flow · updated Jun 8, 2026

Core FCF metrics

PLBC · FCF · TTM · margin & CAGR

Free cash flow was $20.3M for FY2025 (fiscal year ending 2025-12-31), down 32.0% year-over-year The FCF margin was 18.7%. Five-year CAGR stands at -2.5%.

FY2025 Free Cash Flow$20.3M▼ -32.0% YoY

Trailing 12M (TTM)$22.2Mtrailing 4 quarters sum

FCF Margin18.7%$20.3M ÷ revenue

3-Year CAGR-27.8%FY2022 → FY2025

5-Year CAGR-2.5%FY2020 → FY2025

FormulaFCF = Operating Cash Flow − Capital ExpendituresTTM = trailing 4 quarters sumCAGR → N/A if either endpoint ≤ 0

Source: FMP /cash-flow-statement · SEC 10-K / 10-Q · USDUpdated: Jun 8, 2026

Annual free cash flow history

FCF ($B, upper) · YoY Growth % (lower)

Positive FCFNegative FCF

Free Cash Flow

YoY Growth %

Annual free cash flow data

PLBC · free cash flow history · annual / quarterly

Fiscal YearOperating CFCapExFree Cash FlowYoY ChangeFCF Margin

FY2025Latest$21.6M(1M)$20.3M▼ 32.0%18.7%

FY2024$30.5M(1M)$29.8M▼ 17.3%40.9%

FY2023$38.3M(2M)$36.1M▼ 33.1%42.5%

FY2022$56.9M(3M)$53.9M▲ +676.1%76.4%

FY2021−$8.4M(1M)−$9.3M▼ 140.6%-16.6%

FCF = Operating Cash Flow − Capital Expenditures · CapEx shown as (negative) · Source: SEC filings via FMP

FCF valuation metrics

PLBC · P/FCF · FCF yield · FCF per share

Plumas Bancorp (PLBC) trades at a FCF yield of 5.83% and a price-to-free-cash-flow ratio of 15.9x. FCF per share stands at $3.45, calculated using trailing twelve-month FCF divided by basic weighted-average shares outstanding.

FCF Yield (TTM)

5.83%

Free Cash Flow ÷ Market Cap

per FMP freeCashFlowYieldTTM definition

FCF per Share (TTM)

$3.45

TTM FCF ÷ Shares Outstanding

Price / FCF

x15.9

Share Price ÷ FCF per Share

EV / FCF (TTM)

x20.8

Enterprise Value basis

Source: FMP /key-metrics-ttm · /cash-flow-statement Q · /income-statementFY2025 · 2025-12-31

Cash flow statement summary

PLBC · cash flow statement · operating / investing / financing

For FY2025, Plumas Bancorp generated $21.6M in operating cash flow and spent 1M in capital expenditures, yielding $20.3M in free cash flow.

Operating Activities

+$21.6M

Cash from core business operations

2025-12-31

Investing Activities

+$70.3M

CapEx, acquisitions & investments

2025-12-31

Financing Activities

−$93.3M

Buybacks, dividends & debt

2025-12-31

FCF FormulaOperating CF ($21.6M) − |CapEx| (1M) = FCF ($20.3M)

For the complete Operating / Investing / Financing line-item breakdown:

View Full Cash Flow Statement →

Free cash flow vs peers (Financial Services)

PLBC vs peers · FCF

#CompanyFree Cash FlowYoYFCF MarginRelative

Plumas BancorpYOU

PLBC

$20.3M-32.0%18.7%

Berkshire Hathaway Inc.

BRK-B

$25.04B+115.6%6.7%

25%

Berkshire Hathaway Inc.

Mastercard Incorporated

$16.91B+18.2%51.6%

17%

Financial Services · Sorted by FCF · FMP /cash-flow-statementFull FCF Rankings →

About Free Cash Flow & Methodology

Plumas Bancorp (PLBC) reported free cash flow of $20.3M for FY2025 (fiscal year ending 2025-12-31), down 32.0% year-over-year. The FCF margin was 18.7%.

Based on available data, Plumas Bancorp has maintained positive free cash flow for at least 14 fiscal year(s). FCF peaked at $53.9M in FY2022. The 5-year CAGR stands at -2.5%.

Plumas Bancorp's FCF yield is 5.83% and price-to-FCF ratio is 15.9x for FY2025, based on the latest available data.

Data sourced from FMP /cash-flow-statement · SEC 10-K / 10-Q · USD.

Q&A and summaries align with SEC 10-K/10-Q cash flow disclosures and FMP /cash-flow-statement where noted.

Revenue Financial statements Net income Earnings Forecast Price history Market cap Cash on hand P/E ratio

Frequently asked questions

PLBC free cash flow · 8 questions

Plumas Bancorp free cash flow was $20.3M for FY2025, down 32.0% year-over-year. On a trailing twelve-month (TTM) basis, free cash flow stands at $22.2M.

PLBC free cash flowPLBC FCFPLBC FCF 2025PLBC free cash flow TTM

▸ Source: FMP /cash-flow-statement · US GAAP · Plumas Bancorp · Plumas Bancorp SEC 10-K & 10-Q filings · US GAAP · Last updated: Jun 8, 2026