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Sierra Bancorp BSRR R2KR3KFINANCIAL

Financial Services · Banks - Regional · United States
https://www.bankofthesierra.com
Company Profile ↓
$41.08
+37.94% 1Y
Mkt Cap$532.54M
P/E12.08
P/B1.41
Div. Yield2.64%
52W High$42.57
52W Low$25.82
Book Value$28.69
EPS (TTM)$3.40

Company Overview

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 warehouse, agricultural, and consumer loans. It also offers automated teller machines; electronic point-of-sale payment alternatives; multiple account access options; online account opening platform; online banking with bill-pay and mobile banking capabilities, including mobile check deposit; online lending solutions for consumers and small businesses; customer service center services; an automated telephone banking system; and remote deposit capture and payroll services. Sierra Bancorp was founded in 1977 and is headquartered in Porterville, California.

Why Investors Should Care

Consistent Profit Growth

Net profit has compounded at 10.2% per year over the last five years.

Reasonable Valuation

Trades at a P/E of 12.1, below the sector median of 14.5.

Healthy Margins

Maintains a net profit margin of 29.7%.

Dividend Income

Offers a dividend yield of 2.64%.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Trailing 12 Months Year-on-year growth — revenue -3.2%, earnings -1.3%.
  • 5-Year Trend Long-term compounding — profit CAGR 10.2%.

Growth & Price Performance

Compounded Sales Growth

5 Years:-
1 Year:-3.20%

Compounded Profit Growth

5 Years:10.22%
1 Year:-1.30%

Stock Price Performance

1 Year:+37.94%
6 Months:+23.26%
3 Months:+5.79%
1 Month:+0.51%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 91% of range
$25.82 $42.57
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)59.91 · Neutral
Price Performance
1M+0.51%
3M+5.79%
6M+23.26%
1Y+37.94%
Valuation vs Sector

P/E of 12.08 is below the sector median of 14.52 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 29.7%.
  • Profit CAGR of 10.2% over 5 years.
  • Attractive dividend yield of 2.64%.
  • Generates positive free cash flow.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
12.08
Industry PE
14.52
Forward P/E
10.86
PEG Ratio
1.43
Book Value
$28.69
Price to Book
1.41
P/S
3.46
EV/EBITDA
-
Dividend Yield
2.64%

Growth (CAGR)

Revenue 5Y
-
Profit 5Y
10.22%
Revenue (YoY)
-3.20%
Earnings (YoY)
-1.30%

Profitability & Returns

ROCE
-
ROE
12.46%
ROA
1.20%
Profit Margin
29.66%
Op Margin
36.10%
Gross Margin
0.00%
EPS (Latest Qtr)
$0.77
EPS (TTM)
$3.40

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
$363.00M
Total Assets
$3.72B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
10.93%
Chg in Prom Hold
-0.01%
FII / Inst Holding
62.30%
Chg in FII Hold
-0.00%

Financial Snapshot

Enterprise Value
$532.54M
Total Revenue (TTM)
$151.83M
EBITDA
-
Free Cash Flow
$32.17M
Operating Cash Flow
$45.49M
Shares Outstanding
12.96M
Gross Margin
0.00%
Payout Ratio
30.00%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 BSRR Sierra Bancorp R2KR3KFINANCIAL 41.08 12.08 $532.54M 2.64% - 12.46% - 10.22%
2 JPM JPMorgan Chase & Co. SPXR3KFINANCIAL 358.64 15.37 $953.34B 1.68% - 17.79% 12.50% 14.83%
3 BRK-B Berkshire Hathaway Inc. SPXFINANCIAL 506.03 15.07 $707.59B 0.00% - 10.50% 4.18% 9.44%
4 V Visa Inc. SPXR3KFINANCIAL 374.00 31.86 $637.34B 0.72% 37.15% 61.19% 14.33% 13.04%
5 MA Mastercard Incorporated SPXR3KFINANCIAL 579.21 31.82 $503.60B 0.60% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPXR3KFINANCIAL 62.68 14.48 $438.31B 2.03% - 11.20% 3.14% 4.27%
7 BRK-A Berkshire Hathaway Inc. FINANCIAL 759,350.00 15.07 $384.00B 0.00% - 10.50% 7.60% 10.02%
8 HSBC HSBC Holdings plc FINANCIAL 107.11 15.30 $367.34B 3.62% - 13.10% 9.75% 12.72%
9 MS Morgan Stanley SPXR3KFINANCIAL 217.72 17.59 $342.26B 2.15% - 17.97% 3.76% 9.66%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020Sep 2020Dec 2020Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue -----------------------------------36.98M37.72M37.17M36.52M36.88M
Cost of Revenue ----------------------------------------
Gross Profit ----------------------------------------
Operating Expenses ----------------------------------------
Operating Income ----------------------------------------
EBITDA ----------------------------------------
Interest Expense -----------------------------------12.06M11.97M11.33M10.59M10.53M
Pretax Income -----------------------------------14.24M12.70M17.14M16.73M13.28M
Tax Provision -----------------------------------3.61M3.00M4.24M4.21M3.36M
Net Income 3.93M5.52M4.55M5.20M5.74M4.04M6.71M7.99M7.07M7.90M8.89M8.83M8.95M9.29M7.81M8.30M10.36M8.98M11.08M11.71M10.61M9.62M7.41M9.20M9.94M7.11M8.75M9.92M9.88M6.29M9.33M10.26M10.60M10.36M9.10M10.63M9.70M12.89M12.52M9.92M
Diluted EPS 0.280.400.320.370.410.260.440.520.460.510.580.570.580.600.520.540.680.580.720.760.690.630.490.620.660.470.580.670.680.430.640.710.740.720.650.780.720.970.960.77

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Net Income 8.93M7.36M7.78M8.19M13.37M15.24M18.07M17.57M19.54M29.68M35.96M35.44M43.01M33.66M34.84M40.56M42.33M
Diluted EPS 0.860.600.550.580.941.081.331.291.361.922.332.322.802.242.362.823.11

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets --1.29B1.34B1.44B1.41B1.64B1.80B2.03B2.34B2.52B2.59B3.22B3.37B3.61B3.73B3.61B3.83B
Total Equity 106.80M134.48M159.60M168.56M173.89M181.67M187.09M190.34M205.88M255.94M273.02M309.29M343.90M362.49M303.58M338.10M357.30M364.86M
Cash & Equivalents 51.51M66.23M42.65M63.04M61.82M78.01M50.09M48.62M120.44M70.14M74.13M80.08M71.42M257.53M77.13M78.60M100.66M135.63M
Long Term Debt --15.00M15.00M5.00M06.00M2.00M00---49.14M49.21M49.30M49.39M49.48M
Total Liabilities --1.13B1.17B1.26B1.23B1.45B1.61B1.83B2.08B2.25B2.28B2.88B3.01B3.31B3.39B3.26B3.46B

Cash Flows (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 23.67M32.02M34.65M38.70M34.54M28.54M-15.58M40.68M30.45M46.74M40.03M52.66M33.57M53.24M57.15M33.70M
Investing Cash Flow -5.38M-1.29M-51.34M-132.32M20.60M-144.74M--21.34M-51.67M-188.19M-53.29M-627.25M20.62M-481.00M-83.69M141.23M-183.49M
Financing Cash Flow -3.57M-54.32M37.09M92.40M-38.95M88.29M-77.58M-39.31M161.74M12.50M578.57M112.83M267.03M31.92M-176.32M184.75M
Capital Expenditure -3.44M-2.48M-2.73M-3.41M-667.00K-2.38M-2.53M-3.59M-2.14M-3.12M-783.00K-2.92M-371.00K-1.27M-1.42M-1.16M-1.53M
Free Cash Flow 20.23M29.53M31.91M35.29M33.87M26.16M-11.99M38.54M27.32M45.95M37.11M52.28M32.30M51.83M56.00M32.17M
Share Buybacks --21.86M23.00K0010.18M7.96M2.26M002.54M2.56M5.22M5.19M8.88M15.84M31.83M
Dividends Paid 4.07M2.94M3.37M3.38M3.68M4.78M5.66M6.51M---------

Ratios (Annual)

Figures in %.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % -----------------
Operating Margin % -----------------
Net Margin % -----------------
ROE % 6.6%4.6%4.6%4.7%7.4%8.1%9.5%8.5%7.6%10.9%11.6%10.3%11.9%11.1%10.3%11.4%11.6%
ROCE % -----------------

Shareholding Pattern

Insiders
10.93%
Institutions
62.30%
Public Float
69.95%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 10.08% 1.31M $52.05M
2 Dimensional Fund Advisors LP 7.11% 921.63K $36.72M
3 Vanguard Capital Management LLC 4.07% 527.03K $21.00M
4 Jupiter Topco LLC 3.38% 438.29K $17.46M
5 Private Management Group, Inc. 3.35% 434.07K $17.29M
6 American Century Companies Inc 2.87% 372.68K $14.85M
7 Manufacturers Life Insurance Co. 2.76% 357.61K $14.25M
8 Geode Capital Management, LLC 2.43% 315.37K $12.56M
9 State Street Corporation 2.13% 276.59K $11.02M
10 FMR, LLC 1.64% 212.02K $8.45M

Analyst View

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Latest News

Recent headlines for BSRR

Google News Fri, 24 Jul 2026

Sierra Bancorp Marks 110th Consecutive Quarterly Dividend - Stock Titan

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Google News Sun, 30 Aug 2026

Understanding Momentum Shifts in (BSRR) - Stock Traders Daily

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Google News Wed, 29 Apr 2026

Sierra Bancorp (NASDAQ:BSRR) Could Be A Buy For Its Upcoming Dividend - Yahoo Finance

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Google News Mon, 27 Jul 2026

Sierra Bancorp (BSRR) Stock EPS Holds Firm And Reinforces Profitability Focus Narrative - simplywall.st

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Google News Mon, 24 Aug 2026

Is the Options Market Predicting a Spike in Sierra Bancorp Stock? - Eastern Progress

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Google News Mon, 27 Jul 2026

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BSRR — Frequently Asked Questions

What is the current share price of Sierra Bancorp (BSRR)?

As of 2026-09-07 16:24 PDT, Sierra Bancorp (BSRR) trades at $41.08 on NasdaqGS. Its 52-week range is $25.82 to $42.57.

What is the market capitalisation of BSRR?

Sierra Bancorp (BSRR) has a market capitalisation of $532.54M on NasdaqGS.

What is the P/E ratio of BSRR?

BSRR trades at a trailing price-to-earnings (P/E) ratio of 12.08. The industry average P/E is 14.52. Its price-to-book (P/B) ratio is 1.41.

Does BSRR pay a dividend?

Sierra Bancorp (BSRR) currently offers a dividend yield of 2.64%.

What is the return on equity (ROE) of BSRR?

BSRR has a return on equity (ROE) of 12.46%.

Is BSRR a good stock to buy?

This page provides a data-driven analysis of Sierra Bancorp (BSRR), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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