Sierra Bancorp (BSRR)

NMS – Real Time Price. Currency in USD

37.29

-0.25 (-0.67%)

At close: May 12, 2026, 4:00 PM EDT

Stock details

Previous close: 37.98$
Day's range: 37.44 - 38.2$
52-week range: 26.49 - 38.6$
Volume: 60 171
Average volume: 40 982
Beta: 1.06
EPS (TTM): 3.45
PE ratio (TTM): 11.1
Forward P/E: 10.17
Market cap: 496 747 386
Shares outstanding: 13 079 183
Dividend yield: $2.66 (2.66%)
Next earnings date: 2026-07-27
Sector: Financials
Industry: Banks - Regional

About the company

Sierra Bancorp operates as the bank holding company for Bank of the Sierra that provides retail and commercial banking products and services to individuals and businesses in California. It accepts various deposit products, such as checking accounts, savings accounts, money market demand accounts, time deposits, retirement accounts, and sweep accounts. The company’s loan products include real estate, commercial, mortgage ware... read more

CEO: Kevin McPhaill
Country: United States
IPO Date: 1994-11-02
Employees: 469
Fiscal Year End: January - December
Website: https://sierrabancorp.q4ir.com

Revenue Breakdown

Banking and Related Activities / 100.00%

News

No Data

There are no news for this stock.

Chart: BSRR

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Overall Score

4.6 / 1046%

Financial Strength

5.4

Profitability

6.4

Effectiveness

4.3

Growth

4.6

Forecast

5.5

Valuation

4.6

Dividend

5.5

Economic Moat

Octagon View

Strength & Weakness

Cash reserves $0.0 barely cover the upcoming debt maturities $398.4M

Total current assets $0.0 are just enough to cover Total current liabilities $0.0, indicating tight liquidity

Debt-to-equity ratio (1.1) is near the industry average, reflecting balanced leverage

The company has no interest-bearing debt, showcasing excellent financial strength

The company generates positive free cash flow $11.0M, supporting its financial health

Financial Strength

NAME	RATIO	INDUSTRY	SCORE
Current ratio	0.08	2.82	1.0
Quick ratio	N/A	2.82	1.0
Debt to Equity	1.10	0.05	6.0
Debt to Assets	0.11	0.09	9.0
Interest coverage	N/A	N/A	10
Weighted average score			5.4

Debt to Assets

Financial

Values in USD
(B=Billions, M=Millions, K=Thousands)

Values in USD (B=Billions, M=Millions, K=Thousands)

METRIC	2022	2023	2024	2025	TTM
Total Revenue	152M	193M	200M	202M	202M
Gross Profit	N/A	N/A	N/A	N/A	N/A
Operating Income	45M	46M	50M	56M	60M
Net Income	34M	35M	41M	42M	46M
EBITDA	N/A	N/A	N/A	N/A	N/A

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

NAME	RATIO	INDUSTRY	SCORE
Gross margin %	N/A	48.43	1.0
Operating margin %	43.51	0.44	10
Net margin %	33.28	32.70	10
EBITDA margin %	N/A	0.00	1.0
Cash flow margin %	22.95	0.00	10
Weighted average score			6.4

Net Margin

Effectiveness

NAME	RATIO	INDUSTRY	SCORE
ROA	1.14	1.46	3.0
ROE	11.78	14.94	7.0
ROIC	8.34	0.00	6.0
ROCE	N/A	0.00	1.0
Weighted average score			4.3

Estimated EPS vs Actual EPS

Forecast

NAME	REVENUE GROWTH	EPS GROWTH	SCORE
Current quarter	0.96	14.36	5.0
Next quarter	0.93	29.72	6.0
Current year	2.54	20.13	7.0
Next year	4.14	3.8	4.0
Weighted average score			5.5

Analyst Rating

Growth

NAME	REVENUE	NET INCOME	EPS	FCF	SCORE
Q/Q	-4.81	-2.89	-1.02	-18.93	1.0
Y/Y	0.22	37.57	47.69	-72.71	5.8
3y average	10.47	8.09	11.55	8.65	6.5
5y average	8.48	4.78	7.14	5.73	5.0
Weighted average score					4.6

Revenue Growth Rate vs. Industry

Valuation

NAME	RATIO	INDUSTRY	SCORE
P/E	10.47	11.16	6.8
PEG (5yr expected)	N/A	98.42	1.0
P/S	3.23	3.37	4.4
P/B	1.29	1.53	6.0
Weighted average score			4.6

DCF Model

DCF Model Period5 years

Discount rate9%

Perpetual growth rate3%

Revenue 5 year CAGR3.78%

FCF 5 year CAGR4

Fair value54.24$

Stock price37.98$

Dividend

NAME	CURRENT	INDUSTRY	SCORE
Dividend yield	3.32	3.32	8.0
Payout ratio	31.39	31.39	5.0
5-year dividend growth rate	4.56	4.56	6.0
Years of dividend increase	2.00	2.00	3.0
Weighted average score			5.5

Fair Value

$54.24

UndervaluedStock priceOvervalued

$37.98

Economic Moat

NAME	SCALE	SCORE
Market share	None	1.0
Intangible assets	None	1.0
Switching costs	None	1.0
Network effect	None	1.0
Economies of scale	None	1.0
Weighted average score		1.0

About the company

CEO

Kevin McPhaill

Country

United States

IPO Date

1994-11-02

Employees

469

Fiscal Year End

January - December

Website

https://sierrabancorp.q4ir.com

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Current ratio

0.08

2.82

1.0

Quick ratio

N/A

2.82

1.0

Debt to Equity

1.10

0.05

6.0

Debt to Assets

0.11

0.09

9.0

Interest coverage

N/A

Weighted average score

5.4

METRIC

2022

2023

2024

2025

TTM

Total Revenue

152M

193M

200M

202M

Gross Profit

N/A

Operating Income

45M

46M

50M

56M

60M

Net Income

34M

35M

41M

42M

46M

EBITDA

N/A

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Gross margin %

N/A

48.43

1.0

Operating margin %

43.51

0.44

Net margin %

33.28

32.70

EBITDA margin %

N/A

0.00

1.0

Cash flow margin %

22.95

0.00

Weighted average score

6.4

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

ROA

1.14

1.46

3.0

ROE

11.78

14.94

7.0

ROIC

8.34

0.00

6.0

ROCE

N/A

0.00

1.0

Weighted average score

4.3

NAME

REVENUE GROWTH

EPS GROWTH

SCORE

Current quarter

0.96

14.36

5.0

Next quarter

0.93

29.72

6.0

Current year

2.54

20.13

7.0

Next year

4.14

3.8

4.0

Weighted average score

5.5

NAME

REVENUE

NET INCOME

EPS

FCF

SCORE

Q/Q

-4.81

-2.89

-1.02

-18.93

1.0

Y/Y

0.22

37.57

47.69

-72.71

5.8

3y average

10.47

8.09

11.55

8.65

6.5

5y average

8.48

4.78

7.14

5.73

5.0

Weighted average score

4.6

NAME

RATIO

INDUSTRY

5Q TREND

SCORE

P/E

10.47

11.16

6.8

PEG (5yr expected)

N/A

98.42

1.0

P/S

3.23

3.37

4.4

P/B

1.29

1.53

6.0

Weighted average score

4.6

NAME

CURRENT

INDUSTRY

SCORE

Dividend yield

3.32

8.0

Payout ratio

31.39

5.0

5-year dividend growth rate

4.56

6.0

Years of dividend increase

2.00

3.0

Weighted average score

5.5

NAME

SCALE

SCORE

Market share

None

1.0

Intangible assets

None

1.0

Switching costs

None

1.0

Network effect

None

1.0

Economies of scale

None

1.0

Weighted average score

1.0

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Sierra Bancorp (BSRR)

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Sierra Bancorp (BSRR)

Stock details

About the company

Revenue Breakdown

News

Chart: BSRR

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$54.24

$37.98

Economic Moat

Stock details

About the company

Revenue Breakdown

News

Chart: BSRR

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$54.24

$37.98

Economic Moat