Plumas Bancorp (NASDAQ:PLBC) Misses Q2 2025 Earnings and Revenue Estimates, Shares Drop 1.4%

Plumas Bancorp (NASDAQ:PLBC) reported its second-quarter 2025 earnings, missing analyst estimates on both revenue and earnings per share (EPS). The bank holding company posted revenue of $20.54 million, falling short of the expected $21.42 million, while diluted EPS came in at $1.05, below the consensus estimate of $1.44.

Key Earnings Highlights

• Revenue: $20.54M (vs. $21.42M expected) – 4.1% miss
• Diluted EPS: $1.05 (vs. $1.44 expected) – 27.1% miss
• Net Income: $6.3M, down from $6.8M in Q2 2024
• Year-over-Year Decline: EPS dropped from $1.14 in Q2 2024

Market Reaction

Following the earnings release, PLBC shares declined by approximately 1.4%, reflecting investor disappointment over the weaker-than-expected results. The miss on both top and bottom lines suggests challenges in either loan growth, net interest margins, or operational costs—common pressure points for regional banks in the current economic environment.

Press Release Summary

The earnings report did not include a forward-looking outlook, leaving analysts to rely on existing estimates for future quarters. The absence of guidance may have contributed to the negative market reaction, as investors typically look for reassurance on growth prospects.

Looking Ahead

Analyst estimates for the next quarter and full year will likely be adjusted downward following this miss. Investors will be watching for signs of stabilization in net interest income and loan demand, particularly given Plumas Bancorp’s focus on commercial and agricultural lending in California and Nevada.

For more detailed earnings estimates and historical performance, see Plumas Bancorp’s earnings estimates.

Disclaimer: This article is not investment advice. Investors should conduct their own research or consult a financial advisor before making decisions.