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Sierra Bancorp (BSRR) Ratios
Sierra Bancorp Ratios
BSRR's free cash flow for Q3 2026 was $59.59M. For the 2026 fiscal year, BSRR's free cash flow was increased by $695.00K and operating cash flow was $58.89M. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 0.19 | 0.26 | 0.36 | 0.32 | 0.43 |
| Quick Ratio | 0.19 | 0.26 | 0.36 | 0.32 | 0.43 |
| Cash Ratio | 0.04 | 0.03 | 0.02 | 0.02 | 0.09 |
| Solvency Ratio | 0.01 | 0.01 | 0.01 | 0.01 | 0.02 |
| Operating Cash Flow Ratio | 0.01 | 0.02 | 0.02 | 0.01 | 0.02 |
| Short-Term Operating Cash Flow Coverage | 0.10 | 0.53 | 0.14 | 0.10 | 0.49 |
| Net Current Asset Value | $ -2.85B | $ -2.48B | $ -2.27B | $ -2.27B | $ -1.77B |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.14 | 0.08 | 0.15 | 0.11 | 0.06 |
| Debt-to-Equity Ratio | 1.42 | 0.77 | 1.63 | 1.36 | 0.53 |
| Debt-to-Capital Ratio | 0.59 | 0.43 | 0.62 | 0.58 | 0.35 |
| Long-Term Debt-to-Capital Ratio | 0.31 | 0.32 | 0.33 | 0.22 | 0.19 |
| Financial Leverage Ratio | 10.50 | 10.12 | 11.03 | 11.89 | 9.30 |
| Debt Service Coverage Ratio | 0.11 | 0.27 | 0.09 | 0.11 | 0.43 |
| Interest Coverage Ratio | 1.21 | 1.03 | 0.92 | 3.68 | 14.12 |
| Debt to Market Cap | 1.18 | 0.66 | 1.67 | 1.30 | 0.46 |
| Interest Debt Per Share | 41.92 | 22.85 | 41.02 | 28.42 | 12.82 |
| Net Debt to EBITDA | 6.49 | 3.06 | 9.54 | 6.93 | -1.08 |
| Profitability Margins | |||||
| Gross Profit Margin | 73.86% | 70.12% | 67.77% | 83.99% | 99.70% |
| EBIT Margin | 27.92% | 28.18% | 27.51% | 31.52% | 43.52% |
| EBITDA Margin | 29.23% | 29.69% | 29.42% | 34.00% | 46.77% |
| Operating Profit Margin | 27.92% | 28.18% | 27.51% | 31.52% | 43.52% |
| Pretax Profit Margin | 27.90% | 28.18% | 27.51% | 31.52% | 43.52% |
| Net Profit Margin | 20.96% | 21.22% | 20.63% | 23.62% | 32.73% |
| Continuous Operations Profit Margin | 20.96% | 21.22% | 20.63% | 23.62% | 32.73% |
| Net Income Per EBT | 75.12% | 75.30% | 74.99% | 74.94% | 75.20% |
| EBT Per EBIT | 99.91% | 100.00% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 1.11% | 1.12% | 0.93% | 0.93% | 1.28% |
| Return on Equity (ROE) | 11.60% | 11.35% | 10.31% | 11.09% | 11.87% |
| Return on Capital Employed (ROCE) | 9.41% | 8.78% | 8.00% | 10.34% | 11.85% |
| Return on Invested Capital (ROIC) | 4.45% | 5.61% | 3.60% | 4.41% | 7.30% |
| Return on Tangible Assets | 1.11% | 1.13% | 0.94% | 0.94% | 1.29% |
| Earnings Yield | 9.60% | 9.82% | 10.51% | 10.60% | 10.39% |
| Efficiency Ratios | |||||
| Receivables Turnover | 14.25 | 11.95 | 8.30 | 7.76 | 11.69 |
| Payables Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Fixed Asset Turnover | 13.49 | 12.54 | 9.99 | 6.34 | 5.58 |
| Asset Turnover | 0.05 | 0.05 | 0.05 | 0.04 | 0.04 |
| Working Capital Turnover Ratio | -0.08 | -0.09 | -0.08 | -0.08 | -0.07 |
| Cash Conversion Cycle | 25.61 | 30.55 | 43.96 | 47.01 | 31.23 |
| Days of Sales Outstanding | 25.61 | 30.55 | 43.96 | 47.01 | 31.23 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Payables Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Operating Cycle | 25.61 | 30.55 | 43.96 | 47.01 | 31.23 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 2.50 | 4.00 | 3.62 | 2.24 | 3.45 |
| Free Cash Flow Per Share | 2.38 | 3.92 | 3.52 | 2.16 | 3.43 |
| Dividend Paid and CapEx Coverage Ratio | 2.21 | 3.86 | 3.52 | 2.21 | 3.87 |
| Capital Expenditure Coverage Ratio | 22.00 | 49.44 | 37.63 | 26.39 | 141.93 |
| Operating Cash Flow Coverage Ratio | 0.06 | 0.21 | 0.10 | 0.08 | 0.28 |
| Operating Cash Flow to Sales Ratio | 0.17 | 0.30 | 0.32 | 0.24 | 0.40 |
| Free Cash Flow Yield | 7.29% | 13.56% | 15.63% | 10.17% | 12.63% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 10.41 | 10.18 | 9.52 | 9.44 | 9.62 |
| Price-to-Sales (P/S) Ratio | 2.18 | 2.16 | 1.96 | 2.23 | 3.15 |
| Price-to-Book (P/B) Ratio | 1.21 | 1.16 | 0.98 | 1.05 | 1.14 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 13.71 | 7.38 | 6.40 | 9.83 | 7.91 |
| Price-to-Operating Cash Flow Ratio | 13.09 | 7.23 | 6.23 | 9.46 | 7.86 |
| Price-to-Earnings Growth (PEG) Ratio | 0.99 | 0.51 | 1.78 | -0.47 | 0.46 |
| Enterprise Value Multiple | 13.96 | 10.34 | 16.21 | 13.49 | 5.66 |
| Enterprise Value | 824.49M | 586.52M | 805.60M | 653.40M | 347.67M |
| EV to EBITDA | 13.96 | 10.34 | 16.21 | 13.49 | 5.66 |
| EV to Sales | 4.08 | 3.07 | 4.77 | 4.59 | 2.65 |
| EV to Free Cash Flow | 25.63 | 10.47 | 15.54 | 20.23 | 6.65 |
| EV to Operating Cash Flow | 24.46 | 10.26 | 15.13 | 19.46 | 6.60 |
| Tangible Book Value Per Share | 25.00 | 23.06 | 21.04 | 18.32 | 21.77 |
| Shareholders’ Equity Per Share | 27.03 | 25.01 | 22.99 | 20.30 | 23.78 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.25 | 0.25 | 0.25 | 0.25 | 0.25 |
| Revenue Per Share | 14.97 | 13.38 | 11.49 | 9.53 | 8.62 |
| Net Income Per Share | 3.14 | 2.84 | 2.37 | 2.25 | 2.82 |
| Tax Burden | 0.75 | 0.75 | 0.75 | 0.75 | 0.75 |
| Interest Burden | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Research & Development to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 0.32 | 0.27 | 0.30 | 0.33 | 0.32 |
| Stock-Based Compensation to Revenue | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
| Income Quality | 0.80 | 1.41 | 1.53 | 1.00 | 1.22 |
Currency in USD
