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Sierra Bancorp
(NASDAQ:BSRR)
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Rating:73Outperform
Price Target:
$45.00
▲(7.45% Upside)
Action:Upgraded
Date:07/31/26
The score is driven primarily by solid financial performance (strong revenue growth, good profitability, and positive cash generation), tempered by volatility in margins/cash-flow conversion and some uncertainty in leverage metrics. Valuation is supportive (moderate P/E with a meaningful dividend yield), while technicals show a longer-term uptrend but modest near-term weakness. Corporate events are positive—especially the dividend increase—but secondary versus fundamentals.
Positive Factors
Revenue Growth and Profitability
Strong top-line expansion alongside a healthy regional-bank net margin indicates solid operating momentum and customer demand. This provides a durable earnings base, although future results will still depend on credit conditions and interest-rate trends.
Negative Factors
Margin Volatility
The normalization in profitability suggests earnings power is sensitive to interest rates, funding costs, and credit conditions. This may limit the durability of current margins and create greater earnings variability through the next banking cycle.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth and Profitability
Strong top-line expansion alongside a healthy regional-bank net margin indicates solid operating momentum and customer demand. This provides a durable earnings base, although future results will still depend on credit conditions and interest-rate trends.
Read all positive factors
Sierra Bancorp (BSRR) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$514.91M
Dividend Yield2.62%
Average Volume (3M)27.96K
Price to Earnings (P/E)11.5
Beta (1Y)0.92
Revenue Growth-1.11%
EPS Growth17.59%
CountryUS
Employees452
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)3.44
Shares Outstanding12,963,397
10 Day Avg. Volume32,485
30 Day Avg. Volume27,960
Financial Highlights & Ratios
PEG Ratio0.99
Price to Book (P/B)1.21
Price to Sales (P/S)2.18
P/FCF Ratio13.71
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$43.00Price Target Upside2.67% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)3.59
Revenue Forecast (FY)$157.50M
Sierra Bancorp Business Overview & Revenue Model
Company Description
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 chec...
How the Company Makes Money
Sierra Bancorp makes money primarily through its banking subsidiary by earning interest and fees from financial services. The largest revenue driver is net interest income: the bank collects interest on loans (such as commercial real estate, comme...
Sierra Bancorp Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
70
Positive
Cash Flow
74
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 198.98M | 201.98M | 191.14M | 168.93M | 142.49M | 131.43M |
| Gross Profit | 149.52M | 149.18M | 134.03M | 114.48M | 119.68M | 131.03M |
| EBITDA | 62.18M | 59.05M | 56.75M | 49.70M | 48.45M | 61.47M |
| Net Income | 45.03M | 42.33M | 40.56M | 34.84M | 33.66M | 43.01M |
Balance Sheet | ||||||
| Total Assets | 3.72B | 3.83B | 3.61B | 3.73B | 3.61B | 3.37B |
| Cash, Cash Equivalents and Short-Term Investments | 1.04B | 604.99M | 756.63M | 1.10B | 1.01B | 1.23B |
| Total Debt | 208.00M | 519.05M | 274.09M | 552.59M | 412.86M | 191.38M |
| Total Liabilities | 3.35B | 3.46B | 3.26B | 3.39B | 3.31B | 3.01B |
| Stockholders Equity | 366.90M | 364.86M | 357.30M | 338.10M | 303.58M | 362.49M |
Cash Flow | ||||||
| Free Cash Flow | 44.79M | 32.17M | 56.00M | 51.83M | 32.30M | 52.28M |
| Operating Cash Flow | 45.49M | 33.70M | 57.15M | 53.24M | 33.57M | 52.66M |
| Investing Cash Flow | 54.45M | -183.49M | 141.23M | -83.69M | -481.00M | 20.62M |
| Financing Cash Flow | -87.26M | 184.75M | -176.32M | 31.92M | 267.03M | 112.83M |
Sierra Bancorp Technical Analysis
Negative
41.88
Price Trends
40.57
Negative
38.53
Positive
35.74
Positive
Market Momentum
-0.10
Positive
40.15
Neutral
20.35
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BSRR, the sentiment is Negative. The current price of 41.88 is above the 20-day moving average (MA) of 40.59, above the 50-day MA of 40.57, and above the 200-day MA of 35.74, indicating a neutral trend. The MACD of -0.10 indicates Positive momentum. The RSI at 40.15 is Neutral, neither overbought nor oversold. The STOCH value of 20.35 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for BSRR.
Sierra Bancorp Risk Analysis
Sierra Bancorp disclosed 10 risk factors in its most recent earnings report. Sierra Bancorp reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Sierra Bancorp Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
79 Outperform | $439.35M | 6.62 | 15.91% | 3.48% | -20.46% | -308.00% | |
73 Outperform | $514.91M | 11.53 | 12.38% | 2.44% | -1.11% | 17.59% | |
73 Outperform | $571.33M | 10.20 | 10.05% | 2.45% | 4.88% | 6.47% | |
70 Outperform | $455.44M | 10.57 | 9.57% | 1.67% | 4.37% | 12.24% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
64 Neutral | $700.25M | 13.99 | 7.90% | 1.92% | 12.91% | 33.31% | |
57 Neutral | $353.37M | 36.47 | 3.40% | ― | -10.98% | ― |
* Financial Sector Average
BSRR
Sierra Bancorp
39.67
11.57
41.17%
BMRC
Bank Of Marin Bancorp
26.95
4.86
21.97%
CWBC
Community West Bancshares
26.02
6.29
31.89%
CIVB
Civista Bancshares
27.54
8.21
42.49%
FRBA
First Bank
18.18
2.57
16.48%
BRBS
Blue Ridge Bankshares
3.91
0.94
31.47%
Sierra Bancorp Corporate Events
Business Operations and Strategy
Sierra Bancorp to Present at KBW Bank Conference
Positive
Jul 27, 2026
Sierra Bancorp announced that President and Chief Executive Officer Kevin J. McPhaill and Executive Vice President and Chief Financial Officer/Chief Operations Officer Christopher G. Treece will attend the Keefe, Bruyette Woods Bank Conference fr...
Business Operations and StrategyExecutive/Board Changes
Sierra Bancorp Enhances Board Governance With Emeritus Role
Positive
Jul 27, 2026
On July 23, 2026, Sierra Bancorp created the role of Director Emeritus and adopted a Retirement Plan for Directors Emeritus to strengthen its board governance framework. The program targets qualified non-employee directors of Sierra Bancorp and Ba...
Business Operations and StrategyDividendsFinancial Disclosures
Sierra Bancorp Increases Quarterly Dividend, Signals Ongoing Strength
Positive
Jul 24, 2026
Sierra Bancorp, parent of Bank of the Sierra and one of the highest-rated U.S. community banks, focuses on serving retail and commercial customers in California’s South San Joaquin Valley and several Central Coast counties through a network ...
Executive/Board ChangesShareholder Meetings
Sierra Bancorp Shareholders Approve Directors and Governance Items
Positive
May 21, 2026
At Sierra Bancorp’s annual meeting of shareholders held on May 20, 2026, investors approved all management-backed proposals, including the election of six Class I directors and the continuation of five sitting directors. Shareholder particip...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.