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Sierra Bancorp (BSRR)
NASDAQ:BSRR
US Market
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Sierra Bancorp (BSRR) AI Stock Analysis

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BSRR

Sierra Bancorp

(NASDAQ:BSRR)

Rating:78Outperform
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 (BSRR) vs. SPDR S&P 500 ETF (SPY)

Sierra Bancorp Business Overview & Revenue Model

Company DescriptionSierra 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 MoneySierra 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
80
Positive
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
75
Positive
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
85
Very Positive
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.
BreakdownDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue191.14M168.93M142.49M131.43M127.03M
Gross Profit134.03M114.48M119.68M131.03M113.07M
EBITDA56.75M49.70M48.45M61.47M50.62M
Net Income40.56M34.84M33.66M43.01M35.44M
Balance Sheet
Total Assets3.61B3.73B3.61B3.37B3.22B
Cash, Cash Equivalents and Short-Term Investments756.63M1.10B1.01B1.23B615.39M
Total Debt274.09M552.59M412.86M191.38M217.16M
Total Liabilities3.26B3.39B3.31B3.01B2.88B
Stockholders Equity357.30M338.10M303.58M362.49M343.90M
Cash Flow
Free Cash Flow56.00M51.83M32.30M52.28M37.11M
Operating Cash Flow57.15M53.24M33.57M52.66M40.03M
Investing Cash Flow141.23M-83.69M-481.00M20.62M-627.25M
Financing Cash Flow-176.32M31.92M267.03M112.83M578.57M

Sierra Bancorp Technical Analysis

Technical Analysis Sentiment
Positive
Last Price30.84
Price Trends
50DMA
29.18
Positive
100DMA
28.09
Positive
200DMA
28.83
Positive
Market Momentum
MACD
0.48
Positive
RSI
54.01
Neutral
STOCH
36.13
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 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

Overall Rating
UnderperformOutperform
Sector (62)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
79
Outperform
$429.08M10.7210.55%1.91%8.03%15.18%
78
Outperform
$371.10M12.6013.71%1.62%19.67%68.34%
78
Outperform
$406.68M11.4411.51%0.69%10.47%13.63%
78
Outperform
$442.70M13.288.31%12.19%12.88%
78
Outperform
$426.17M10.6411.53%3.18%0.85%18.21%
75
Outperform
$445.53M10.1520.97%2.07%1.20%46.86%
62
Neutral
C$15.14B6.4223.28%5.45%33.61%-23.38%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
BSRR
Sierra Bancorp
30.84
2.19
7.64%
HBCP
Home Bancorp
55.00
11.76
27.20%
BWB
Bridgewater Bancshares
16.50
2.60
18.71%
BSVN
Bank7
47.15
6.43
15.79%
RRBI
Red River Bancshares
60.85
5.41
9.76%
USCB
USCB Financial Holdings, Inc. Class A
17.76
1.54
9.49%

Sierra Bancorp Corporate Events

Business Operations and Strategy
Sierra Bancorp Executives Attend KBW Investor Conference
Neutral
Jul 28, 2025

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.

Dividends
Sierra Bancorp Declares 106th Consecutive Quarterly Dividend
Positive
Jul 25, 2025

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.

Executive/Board ChangesBusiness Operations and Strategy
Sierra Bancorp Appoints New Executive VP and COO
Positive
Jul 7, 2025

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.

Executive/Board ChangesShareholder Meetings
Sierra Bancorp Shareholders Approve Key Decisions in Meeting
Positive
May 22, 2025

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.

Business Operations and Strategy
Sierra Bancorp Executives Attend Financial Institutions Conference
Neutral
May 5, 2025

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.

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.Date of analysis: Jul 26, 2025