Sierra Bancorp stock analysis
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Sierra Bancorp (BSRR) Stock Price & Analysis
BSRR Stock Chart & Stats
- Day’s Range
- $41.93 - $42.36
- 52-Week Range
- $28.35 - $44.00
- Previous Close
- $42.06
- Volume
- N/A
- Average Volume (3M)
- 79.05K
- Market Cap
- $547.05M
- Enterprise Value
- $662.78M
- Total Cash (Recent Filing)
- $1.00B
- Total Debt (Recent Filing)
- $250.79M
- Price to Earnings (P/E)
- 10.8
- Beta
- 0.76
- Next Earnings
- Feb 01, 2027 (Est.)
- EPS Estimate
- 0.95
- Last Dividend Ex-Date
- Nov 02, 2026
- Dividend Yield
- 2.51%
Bulls Say, Bears Say
Bulls Say
Improving Banking Profitability
A stronger net interest margin, record profits, deposit growth, and elevated loan production indicate improving execution across the bank’s core franchise. If sustained, this combination can support recurring earnings growth by expanding both funding capacity and earning-asset generation.
Strong Cash Generation
Operating cash flow now converts reported earnings into cash at a strong rate, providing greater internal funding for lending, capital returns, and operations. This improves financial resilience and reduces reliance on external funding, although continued consistency remains important.
Improved Capitalization
The substantial reduction in debt-to-equity improves balance-sheet flexibility and lowers the burden of leverage relative to prior periods. Combined with a mid-teens return on equity, the current position supports continued lending and capital returns while preserving capacity to absorb stress.
Bears Say
Uneven Cash-flow Consistency
The latest cash-flow improvement is encouraging, but the multi-year pattern has not been consistently upward. Periodic declines can make internally generated funding less predictable, potentially complicating capital allocation, lending expansion, and shareholder-return decisions during weaker periods.
Volatile Leverage History
Recent deleveraging strengthens the balance sheet, but sizable year-to-year leverage swings indicate that funding structure has not been fully stable. Future increases could reduce financial flexibility and make earnings more sensitive to funding costs or balance-sheet adjustments.
Mixed Margin Durability
Current profitability is strong, yet the historical pattern shows margins have not remained at a consistently high level. That variability creates uncertainty around how much of the recent improvement reflects durable operating performance versus conditions that may moderate over subsequent quarters.
Sierra Bancorp News
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Sierra Bancorp Stock Smart Score
Company Description
Sierra Bancorp
Sierra Bancorp serves as the holding company for Bank of the Sierra, providing a full suite of retail and commercial banking services to individuals and businesses across California. The institution offers diverse deposit solutions, including checking, savings, money market, time deposits, retirement, and sweep accounts. Its lending portfolio encompasses agricultural, commercial, consumer, real estate, construction, and mortgage loans. Additionally, the company facilitates access to automated teller machines (ATMs), electronic point-of-sale payment options, online and automated telephone banking, and business-focused services such as remote deposit capture and automated payroll. As of December 31, 2021, Sierra Bancorp operated 35 full-service branches, an online branch, a loan production office, an agricultural credit center, and an SBA center. Founded in 1977, its corporate headquarters are located in Porterville, California.
- Sector
- Financial
- Industry
- Banks - Regional
- CEO
- Kevin J. McPhaill
- Employees
- 447
- Website
- www.bankofthesierra.com
- Address
- 86 North Main Street, Porterville, CA, 93257, US
Sierra Bancorp (BSRR) Earnings & Revenues
BSRR Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 16 | 6 | 0 |
| Technical Analysis | 4 | 6 | 0 |
| Moving Averages | 12 | 0 | 0 |










