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STOCKS

Sierra Bancorp (BSRR)

NASDAQ:BSRR

BSRR

Sierra Bancorp

RESEARCH TOOLSreports

Sierra Bancorp (BSRR) Ratios

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144 Followers

Sierra Bancorp Ratios

BSRR's free cash flow for Q4 2025 was $0.79. For the 2025 fiscal year, BSRR's free cash flow was decreased by $ and operating cash flow was $0.34. See a summary of the company’s cash flow.

Ratios	TTM	Dec 25	Dec 24	Dec 23	Dec 22
Liquidity Ratios
Current Ratio	0.57	0.57	0.26	0.36	0.32
Quick Ratio	0.57	0.57	0.26	0.36	0.32
Cash Ratio	0.07	0.07	0.03	0.02	0.02
Solvency Ratio	0.01	0.01	0.01	0.01	0.01
Operating Cash Flow Ratio	0.02	0.02	0.02	0.02	0.01
Short-Term Operating Cash Flow Coverage	0.26	0.26	0.53	0.14	0.10
Net Current Asset Value	$ -2.41B	$ -2.41B	$ -2.48B	$ -2.27B	$ -2.27B
Leverage Ratios
Debt-to-Assets Ratio	0.14	0.14	0.08	0.15	0.11
Debt-to-Equity Ratio	1.42	1.42	0.77	1.63	1.36
Debt-to-Capital Ratio	0.59	0.59	0.43	0.62	0.58
Long-Term Debt-to-Capital Ratio	0.52	0.52	0.32	0.33	0.22
Financial Leverage Ratio	10.50	10.50	10.12	11.03	11.89
Debt Service Coverage Ratio	0.25	0.24	0.27	0.09	0.11
Interest Coverage Ratio	1.21	1.21	1.03	0.92	3.68
Debt to Market Cap	1.18	1.18	0.66	1.67	1.30
Interest Debt Per Share	42.70	41.92	22.85	41.02	28.42
Net Debt to EBITDA	6.56	6.80	3.06	9.54	6.93
Profitability Margins
Gross Profit Margin	72.97%	73.86%	70.12%	67.77%	83.99%
EBIT Margin	28.86%	27.92%	28.18%	27.51%	31.52%
EBITDA Margin	29.92%	27.92%	29.69%	29.42%	34.00%
Operating Profit Margin	28.86%	27.92%	28.18%	27.51%	31.52%
Pretax Profit Margin	28.85%	27.90%	28.18%	27.51%	31.52%
Net Profit Margin	21.67%	20.96%	21.22%	20.63%	23.62%
Continuous Operations Profit Margin	21.67%	20.96%	21.22%	20.63%	23.62%
Net Income Per EBT	75.12%	75.12%	75.30%	74.99%	74.94%
EBT Per EBIT	99.95%	99.91%	100.00%	100.00%	100.00%
Return on Assets (ROA)	1.11%	1.11%	1.12%	0.93%	0.93%
Return on Equity (ROE)	11.82%	11.60%	11.35%	10.31%	11.09%
Return on Capital Employed (ROCE)	2.86%	2.86%	8.78%	8.00%	10.34%
Return on Invested Capital (ROIC)	-6.39%	-6.40%	5.61%	3.60%	4.41%
Return on Tangible Assets	1.11%	1.11%	1.13%	0.94%	0.94%
Earnings Yield	9.76%	9.60%	9.82%	10.51%	10.60%
Efficiency Ratios
Receivables Turnover	13.78	14.25	11.95	8.30	7.76
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	13.04	13.49	12.54	9.99	6.34
Asset Turnover	0.05	0.05	0.05	0.05	0.04
Working Capital Turnover Ratio	-0.12	-0.13	-0.09	-0.08	-0.08
Cash Conversion Cycle	26.48	25.61	30.55	43.96	47.01
Days of Sales Outstanding	26.48	25.61	30.55	43.96	47.01
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	26.48	25.61	30.55	43.96	47.01
Cash Flow Ratios
Operating Cash Flow Per Share	2.54	2.50	4.00	3.62	2.24
Free Cash Flow Per Share	2.37	2.38	3.92	3.52	2.16
CapEx Per Share	0.17	0.11	0.08	0.10	0.09
Free Cash Flow to Operating Cash Flow	0.93	0.95	0.98	0.97	0.96
Dividend Paid and CapEx Coverage Ratio	2.10	2.21	3.86	3.52	2.21
Capital Expenditure Coverage Ratio	14.65	22.00	49.44	37.63	26.39
Operating Cash Flow Coverage Ratio	0.06	0.06	0.21	0.10	0.08
Operating Cash Flow to Sales Ratio	0.17	0.17	0.30	0.32	0.24
Free Cash Flow Yield	7.12%	7.29%	13.56%	15.63%	10.17%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	10.25	10.42	10.18	9.52	9.44
Price-to-Sales (P/S) Ratio	2.26	2.18	2.16	1.96	2.23
Price-to-Book (P/B) Ratio	1.19	1.21	1.16	0.98	1.05
Price-to-Free Cash Flow (P/FCF) Ratio	14.05	13.71	7.38	6.40	9.83
Price-to-Operating Cash Flow Ratio	12.87	13.09	7.23	6.23	9.46
Price-to-Earnings Growth (PEG) Ratio	1.24	0.99	0.51	1.78	-0.47
Price-to-Fair Value	1.19	1.21	1.16	0.98	1.05
Enterprise Value Multiple	14.12	14.62	10.34	16.21	13.49
Enterprise Value	824.71M	824.49M	586.52M	805.60M	653.40M
EV to EBITDA	14.12	14.62	10.34	16.21	13.49
EV to Sales	4.22	4.08	3.07	4.77	4.59
EV to Free Cash Flow	26.26	25.63	10.47	15.54	20.23
EV to Operating Cash Flow	24.47	24.46	10.26	15.13	19.46
Tangible Book Value Per Share	25.47	25.00	23.06	21.04	18.32
Shareholders’ Equity Per Share	27.53	27.03	25.01	22.99	20.30
Tax and Other Ratios
Effective Tax Rate	0.25	0.25	0.25	0.25	0.25
Revenue Per Share	14.74	14.97	13.38	11.49	9.53
Net Income Per Share	3.19	3.14	2.84	2.37	2.25
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	0.33	0.31	0.26	0.30	0.33
Stock-Based Compensation to Revenue	<0.01	0.00	0.01	0.01	<0.01
Income Quality	0.80	0.80	1.41	1.53	1.00

Currency in USD