Sierra Bancorp (BSRR) AI Stock Analysis

• Market Cap: $426.17M
• Dividend Yield: 3.18%
• Average Volume (3M): 34.03K
• Price to Earnings (P/E): 10.6
• Beta (1Y): 0.93
• Revenue Growth: 0.85%
• EPS Growth: 18.21%
• Country: US
• Employees: 489
• Sector: Financial
• Sector Strength: 75
• Industry: Banks - Regional
• EPS (TTM): 0.78
• Shares Outstanding: 13,818,770
• 10 Day Avg. Volume: 38,701
• 30 Day Avg. Volume: 34,035
• PEG Ratio: 9.60
• Price to Book (P/B): 0.00
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 4.76
• Enterprise Value/Market Cap: 0.81
• Enterprise Value/Revenue: 1.11
• Enterprise Value/Gross Profit: 4.72
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: $32.33
• Price Target Upside: 4.83% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 4

• Rating: 78 Outperform
• Price Target: $35.00 ▲(13.49%Upside)

Sierra Bancorp's strong financial performance and positive corporate events are the most significant factors driving the stock score. The company demonstrates robust cash flow management and strategic leadership appointments. Technical analysis supports a stable outlook, and the valuation is attractive with a solid dividend yield. The absence of earnings call data has been accounted for in the scoring.

Sierra Bancorp Business Overview & Revenue Model

Company Description

Sierra Bancorp operates as the bank holding company for Bank of the Sierra that provides retail and commercial banking services to individuals and businesses in California. The company accepts various deposit products, such as checking accounts, savings accounts, money market demand accounts, time deposits, retirement accounts, and sweep accounts. Its loan products include agricultural, commercial, consumer, real estate, construction, and mortgage loans. The company also offers automated teller machines; electronic point-of-sale payment alternatives; online and automated telephone banking services; and remote deposit capture and automated payroll services for business customers. As of December 31, 2021, it operated 35 full-service branches, an online branch, a loan production office, an agricultural credit center, and an SBA center. Sierra Bancorp was founded in 1977 and is headquartered in Porterville, California.

How the Company Makes Money

Sierra Bancorp generates revenue primarily through interest income from loans and investment securities. The company offers various loan products, including commercial, agricultural, residential, and consumer loans, which contribute significantly to its interest income. Additionally, Sierra Bancorp earns non-interest income from fees and service charges associated with deposit accounts, electronic banking services, and mortgage banking activities. The bank's strategic focus on community banking allows it to maintain strong customer relationships, which supports its revenue streams. Key factors contributing to its earnings include effective management of interest rate spreads, a diverse loan portfolio, and a commitment to expanding its service offerings in its regional markets.

Sierra Bancorp Financial Statement Overview

Summary

Sierra Bancorp shows strong financial health with consistent revenue and profit growth, robust cash flow management, and a stable equity base. The company should monitor rising leverage, but its operational efficiency and cash flow strength position it well in the regional banking sector.

Income Statement

Sierra Bancorp's income statement reflects a positive trajectory with consistent revenue growth, highlighted by a revenue increase from $168.93M in 2023 to $191.14M in 2024. Gross profit margins are robust, maintaining a healthy percentage above 60% across periods. The net profit margin remains stable, showcasing effective cost management. EBIT and EBITDA margins are strong, indicating efficient operational performance. However, there is a slight decline in revenue in the TTM period, suggesting a need to monitor future performance.

Balance Sheet

The balance sheet demonstrates financial stability with a favorable equity ratio, although the debt-to-equity ratio increased over the years, indicating rising leverage. Return on equity remains positive, reflecting profitability on shareholders' investment. The equity base is solid, but attention is needed on debt management to prevent potential risks associated with increased leverage.

Cash Flow

Sierra Bancorp exhibits strong cash flow management, with a significant increase in operating cash flow from $53.25M in 2023 to $90.80M TTM. Free cash flow shows impressive growth, highlighting effective capital expenditure management. The operating cash flow to net income ratio demonstrates strong cash conversion, supporting the company's liquidity and operational health.

Breakdown	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	191.14M	168.93M	142.49M	131.43M	127.03M
Gross Profit	134.03M	114.48M	119.68M	131.03M	113.07M
EBITDA	56.75M	49.70M	48.45M	61.47M	50.62M
Net Income	40.56M	34.84M	33.66M	43.01M	35.44M
Balance Sheet
Total Assets	3.61B	3.73B	3.61B	3.37B	3.22B
Cash, Cash Equivalents and Short-Term Investments	756.63M	1.10B	1.01B	1.23B	615.39M
Total Debt	274.09M	552.59M	412.86M	191.38M	217.16M
Total Liabilities	3.26B	3.39B	3.31B	3.01B	2.88B
Stockholders Equity	357.30M	338.10M	303.58M	362.49M	343.90M
Cash Flow
Free Cash Flow	56.00M	51.83M	32.30M	52.28M	37.11M
Operating Cash Flow	57.15M	53.24M	33.57M	52.66M	40.03M
Investing Cash Flow	141.23M	-83.69M	-481.00M	20.62M	-627.25M
Financing Cash Flow	-176.32M	31.92M	267.03M	112.83M	578.57M

Sierra Bancorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 30.84
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BSRR, the sentiment is Positive. The current price of 30.84 is below the 20-day moving average (MA) of 31.14, above the 50-day MA of 29.18, and above the 200-day MA of 28.83, indicating a neutral trend. The MACD of 0.48 indicates Positive momentum. The RSI at 54.01 is Neutral, neither overbought nor oversold. The STOCH value of 36.13 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for BSRR.

Sierra Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
HBCP	79 Outperform	$429.08M	10.72	10.55%	1.91%	8.03%	15.18%
USCB	78 Outperform	$371.10M	12.60	13.71%	1.62%	19.67%	68.34%
RRBI	78 Outperform	$406.68M	11.44	11.51%	0.69%	10.47%	13.63%
BWB	78 Outperform	$442.70M	13.28	8.31%	―	12.19%	12.88%
BSRR	78 Outperform	$426.17M	10.64	11.53%	3.18%	0.85%	18.21%
BSVN	75 Outperform	$445.53M	10.15	20.97%	2.07%	1.20%	46.86%
Sector *	62 Neutral	C$15.14B	6.42	23.28%	5.45%	33.61%	-23.38%

Sierra Bancorp Corporate Events

Sierra Bancorp Executives Attend KBW Investor Conference

Sierra Bancorp‘s President and CEO, Kevin J. McPhaill, along with Executive Vice President and CFO, Christopher G. Treece, will attend the Keefe, Bruyette & Woods 26th Annual KBW Community Bank Investor Conference in New York City from July 28-30, 2025. They will engage with current and prospective investors, and presentation materials are available on the company’s website, indicating a proactive approach to investor relations and potential strategic discussions.

The most recent analyst rating on (BSRR) stock is a Buy with a $37.00 price target. To see the full list of analyst forecasts on Sierra Bancorp stock, see the BSRR Stock Forecast page.

Sierra Bancorp Declares 106th Consecutive Quarterly Dividend

On July 24, 2025, Sierra Bancorp‘s Board of Directors approved a quarterly cash dividend of $0.25 per share, payable on August 14, 2025, to shareholders of record as of August 4, 2025. This marks the company’s 106th consecutive quarterly cash dividend, reflecting its consistent financial performance and commitment to returning value to its shareholders since 1987.

The most recent analyst rating on (BSRR) stock is a Buy with a $37.00 price target. To see the full list of analyst forecasts on Sierra Bancorp stock, see the BSRR Stock Forecast page.

Sierra Bancorp Appoints New Executive VP and COO

On July 7, 2025, Sierra Bancorp announced the appointment of William ‘Bill’ Wade II as Executive Vice President and Chief Operations Officer. Mr. Wade, with extensive experience in information technology and banking, previously held executive roles at Independent Financial and Simmons Bank. His employment agreement, effective from July 7, 2025, includes a base salary, bonus potential, and stock grants, with provisions for severance and indemnification. This strategic appointment reflects Sierra Bancorp’s commitment to strengthening its leadership and operational capabilities.

The most recent analyst rating on (BSRR) stock is a Buy with a $33.00 price target. To see the full list of analyst forecasts on Sierra Bancorp stock, see the BSRR Stock Forecast page.

Sierra Bancorp Shareholders Approve Key Decisions in Meeting

On May 21, 2025, Sierra Bancorp held its annual meeting of shareholders, where key decisions were made regarding the election of directors, the ratification of Forvis Mazars, LLP as the independent registered public accounting firm for 2025, and an advisory vote on executive compensation. The meeting saw a high participation rate, with 80.95% of the issued and outstanding shares represented. All nominated directors were elected, the appointment of the accounting firm was ratified with overwhelming support, and the executive compensation plan was approved, indicating strong shareholder confidence in the company’s management and strategic direction.

The most recent analyst rating on (BSRR) stock is a Buy with a $33.00 price target. To see the full list of analyst forecasts on Sierra Bancorp stock, see the BSRR Stock Forecast page.

Sierra Bancorp Executives Attend Financial Institutions Conference

Sierra Bancorp‘s President and CEO, Kevin J. McPhaill, along with EVP and CFO Christopher G. Treece, will attend the D.A. Davidson 27th Annual Financial Institutions Conference in Scottsdale, Arizona, from May 5 to May 7, 2025. They will meet with current and prospective investors, with presentation materials available on the company’s website, indicating a proactive approach to investor relations.