Sierra Bancorp (BSRR) AI Stock Analysis

• Market Cap: $446.27M
• Dividend Yield: 3.02%
• Average Volume (3M): 27.96K
• Price to Earnings (P/E): 11.5
• Beta (1Y): 0.90
• Revenue Growth: -0.65%
• EPS Growth: 14.14%
• Country: US
• Employees: 489
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.72
• Shares Outstanding: 13,482,458
• 10 Day Avg. Volume: 32,485
• 30 Day Avg. Volume: 27,960
• PEG Ratio: 0.51
• Price to Book (P/B): 1.16
• Price to Sales (P/S): 2.16
• P/FCF Ratio: 7.38
• Enterprise Value/Market Cap: 1.53
• Enterprise Value/Revenue: 3.60
• Enterprise Value/Gross Profit: 5.17
• Enterprise Value/Ebitda: 12.49
• 1Y Price Target: $34.17
• Price Target Upside: 3.55% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 4
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 72 Outperform
• Price Target: $35.00 ▲(6.06% Upside)

Sierra Bancorp's overall stock score is driven by strong technical indicators and positive corporate events, such as the share repurchase program and consistent dividends. While financial performance shows mixed results, the valuation remains fair, supporting a solid investment case.

Positive Factors

Stable Balance Sheet

A stable balance sheet with a healthy equity ratio indicates strong financial health, reducing financial risk and providing a solid foundation for future growth.

Share Repurchase Program

The share repurchase program reflects confidence in the company's financial stability and commitment to enhancing shareholder value over the long term.

Consistent Dividends

Consistent dividend payments demonstrate a reliable cash flow generation and a commitment to returning value to shareholders, enhancing investor confidence.

Negative Factors

Declining Revenue Growth

A decline in revenue growth suggests potential challenges in market expansion and competitiveness, which could impact long-term profitability and market position.

Decreased Net Profit Margin

A declining net profit margin indicates challenges in maintaining profitability, which could affect the company's ability to reinvest in growth and innovation.

Cash Flow Generation Issues

Challenges in cash flow generation can limit the company's ability to fund operations and growth initiatives, potentially impacting long-term financial flexibility.

Sierra Bancorp Business Overview & Revenue Model

Company Description

Sierra Bancorp is a financial holding company based in California, primarily engaged in providing a range of banking and financial services through its wholly-owned subsidiary, Sierra National Bank. The company operates in the banking sector, offering core products and services such as commercial and consumer loans, deposit accounts, and treasury management services. Sierra Bancorp focuses on serving the needs of individuals, small businesses, and agricultural clients, thereby fostering economic growth within the communities it serves.

How the Company Makes Money

Sierra Bancorp generates revenue primarily through the interest income earned on loans, which includes commercial loans, residential mortgages, and consumer loans. Additionally, the company earns interest from investment securities. Another significant revenue stream comes from non-interest income, which includes fees from deposit accounts, service charges, and transaction fees. The bank also benefits from its investment in various financial products and services, allowing it to diversify its income sources. Partnerships with local businesses and agricultural entities further enhance its lending activities and deposit growth, contributing to the overall financial performance of the company.

Sierra Bancorp Financial Statement Overview

Summary

Sierra Bancorp exhibits a mixed financial performance. Strong gross profit margins and a stable balance sheet with improved leverage are positive. However, challenges in revenue growth and cash flow generation, along with declining profitability, highlight potential operational and market challenges.

Income Statement

Sierra Bancorp's income statement shows a mixed performance. The gross profit margin is strong, indicating efficient cost management. However, the net profit margin has declined in the TTM, reflecting challenges in maintaining profitability. The revenue growth rate has significantly decreased in the TTM, suggesting potential revenue generation issues. EBIT and EBITDA margins are inconsistent, with a notable drop in the TTM, indicating operational challenges.

Balance Sheet

The balance sheet reveals a stable equity position with a healthy equity ratio. The debt-to-equity ratio has improved significantly in the TTM, indicating reduced leverage and financial risk. However, the return on equity has decreased, suggesting less efficient use of equity capital in generating profits.

Cash Flow

Cash flow analysis shows a decline in free cash flow growth in the TTM, indicating potential cash generation issues. The operating cash flow to net income ratio is low, suggesting challenges in converting income into cash. However, the free cash flow to net income ratio remains strong, indicating effective cash management relative to net income.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	189.30M	191.14M	168.93M	142.49M	131.43M	127.03M
Gross Profit	131.82M	134.03M	114.48M	119.68M	131.03M	113.07M
EBITDA	54.54M	56.75M	49.70M	48.45M	61.47M	50.62M
Net Income	39.80M	40.56M	34.84M	33.66M	43.01M	35.44M
Balance Sheet
Total Assets	3.71B	3.61B	3.73B	3.61B	3.37B	3.22B
Cash, Cash Equivalents and Short-Term Investments	692.43M	756.63M	1.10B	1.01B	1.23B	615.39M
Total Debt	369.29M	274.09M	552.59M	412.86M	191.38M	217.16M
Total Liabilities	3.35B	3.26B	3.39B	3.31B	3.01B	2.88B
Stockholders Equity	360.08M	357.30M	338.10M	303.58M	362.49M	343.90M
Cash Flow
Free Cash Flow	40.52M	56.00M	51.83M	32.30M	52.28M	37.11M
Operating Cash Flow	41.85M	57.15M	53.24M	33.57M	52.66M	40.03M
Investing Cash Flow	-61.35M	141.23M	-83.69M	-481.00M	20.62M	-627.25M
Financing Cash Flow	-17.80M	-176.32M	31.92M	267.03M	112.83M	578.57M

Sierra Bancorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 33.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

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 33 is above the 20-day moving average (MA) of 32.80, above the 50-day MA of 30.23, and above the 200-day MA of 28.70, indicating a bullish trend. The MACD of 0.97 indicates Positive momentum. The RSI at 58.94 is Neutral, neither overbought nor oversold. The STOCH value of 19.34 is Positive, 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
CWBC	73 Outperform	$436.86M	12.72	8.91%	2.11%	32.03%	170.90%
BMRC	73 Outperform	$433.43M	42.97	2.24%	3.71%	23.93%	―
BSRR	72 Outperform	$446.27M	11.46	11.07%	3.02%	-0.65%	14.14%
FRBA	70 Outperform	$430.55M	10.26	10.03%	1.40%	9.76%	4.43%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
CIVB	64 Neutral	$451.92M	8.59	9.73%	2.91%	3.49%	33.86%
BRBS	52 Neutral	$402.55M	105.91	1.29%	―	-15.07%	―

Sierra Bancorp Corporate Events

Sierra Bancorp Executives to Attend Investor Event

Sierra Bancorp announced that its President and CEO, Kevin J. McPhaill, along with Executive Vice President and CFO, Christopher G. Treece, will participate in the Keefe, Bruyette and Woods Virtual West Coast Bank Field Trip on November 19, 2025. They will engage with current and prospective investors, potentially impacting investor relations and market positioning.

Sierra Bancorp Announces Leadership Transition Plan

On November 5, 2025, Sierra Bancorp announced the upcoming retirement of Cindy Dabney, Senior Vice President & Chief Accounting Officer, effective January 5, 2026. In response, Christopher Treece, the current Executive Vice President & Chief Financial Officer, will take over as Principal Accounting Officer, with no changes to his compensation.

Sierra Bancorp Announces New Share Repurchase Program

On October 23, 2025, Sierra Bancorp‘s Board of Directors approved a new share repurchase program to buy back up to 1,000,000 shares of its common stock, starting after the expiration of the current program on October 31, 2025, and continuing until October 31, 2026. The board also declared a quarterly cash dividend of $0.25 per share, payable on November 14, 2025, to shareholders of record as of November 3, 2025. This marks the company’s 107th consecutive quarterly cash dividend, reflecting its consistent financial performance and commitment to returning value to shareholders.