Sierra Bancorp (BSRR) AI Stock Analysis

• Market Cap: $403.40M
• Dividend Yield: 3.39%
• Average Volume (3M): 27.96K
• Price to Earnings (P/E): 10.4
• Beta (1Y): 0.98
• 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: 1.69
• Enterprise Value/Revenue: 15.27
• Enterprise Value/Gross Profit: 23.12
• Enterprise Value/Ebitda: 12.64
• 1Y Price Target: $34.50
• Price Target Upside: 16.79% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 3
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 63 Neutral
• Price Target: $31.00 ▲(4.94% Upside)

Sierra Bancorp's overall stock score reflects a balance of mixed financial performance and reasonable valuation. The company's strong gross profit margins and stable balance sheet are offset by challenges in revenue growth and cash flow generation. Technical indicators suggest caution due to bearish momentum and overbought signals. The reasonable valuation and attractive dividend yield provide some support to the stock's appeal.

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, which constitutes a significant portion of its earnings. The company offers various loan products, including consumer loans, commercial loans, and agricultural loans, which are typically interest-bearing. Additionally, the bank earns non-interest income from service fees, transaction fees, and commissions related to its financial services. Sierra National Bank also generates income from wealth management services and investment products. Key revenue streams include the interest spread between the rates it pays on deposits and the rates it charges on loans. The bank's partnerships with local businesses and agricultural producers further enhance its market presence and contribute to its earnings by providing tailored financial solutions to meet their specific needs.

Sierra Bancorp Financial Statement Overview

Summary

Sierra Bancorp shows stable revenue growth and efficient cost management with strong gross profit margins. However, declining net profit margins and return on equity indicate potential profitability challenges. The reduction in leverage enhances financial stability, but the decline in free cash flow growth poses a challenge.

Income Statement

Sierra Bancorp's income statement shows a stable performance with a slight revenue growth of 1.2% in the TTM period. The gross profit margin remains strong at approximately 69.9%, indicating efficient cost management. However, the net profit margin has decreased from 21.2% in 2024 to 11.0% in the TTM period, reflecting a decline in profitability. The EBIT and EBITDA margins are stable, suggesting consistent operational efficiency.

Balance Sheet

The balance sheet reflects a significant improvement in the debt-to-equity ratio, decreasing from 0.767 in 2024 to 0.139 in the TTM period, indicating reduced leverage. The return on equity has decreased to 5.9% in the TTM period, which may concern investors seeking high returns. The equity ratio remains healthy, showcasing a strong equity base relative to total assets.

Cash Flow

The cash flow statement reveals a substantial decline in free cash flow growth by 40.74% in the TTM period, which could impact future investments and dividend payouts. The operating cash flow to net income ratio is low, suggesting potential challenges in converting income into cash. However, the free cash flow to net income ratio remains robust at 97.8%, indicating effective cash management relative to earnings.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	44.60M	191.14M	168.93M	142.49M	131.43M	127.03M
Gross Profit	29.46M	134.03M	114.48M	119.68M	131.03M	113.07M
EBITDA	53.88M	56.75M	49.70M	48.45M	61.47M	50.62M
Net Income	10.36M	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	986.95M	756.63M	1.10B	1.01B	1.23B	615.39M
Total Debt	49.46M	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	41.60M	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: 29.54
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

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 29.54 is above the 20-day moving average (MA) of 27.91, above the 50-day MA of 28.86, and above the 200-day MA of 28.37, indicating a bullish trend. The MACD of 0.20 indicates Negative momentum. The RSI at 60.16 is Neutral, neither overbought nor oversold. The STOCH value of 87.01 is Negative, 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	71 Outperform	$404.42M	11.87	8.91%	2.24%	32.03%	170.90%
FRBA	70 Outperform	$393.10M	9.41	10.03%	1.52%	9.76%	4.43%
BMRC	70 Neutral	$420.06M	42.24	2.24%	3.91%	23.93%	―
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
BSRR	63 Neutral	$403.40M	10.39	11.07%	3.39%	-0.65%	14.14%
CIVB	63 Neutral	$412.52M	7.98	9.73%	3.11%	3.49%	33.86%
BRBS	49 Neutral	$429.31M	105.43	1.29%	―	-15.07%	―

Sierra Bancorp Corporate Events

Sierra Bancorp Reports Q3 2025 Financial Results

Sierra Bancorp, the parent company of Bank of the Sierra, operates in the financial sector offering a wide range of retail and commercial banking services across several counties in California. The company is recognized for its strong performance and community banking services.

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.

The most recent analyst rating on (BSRR) stock is a Hold 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 Reports Strong Q2 2025 Financial Results

Sierra Bancorp, the parent company of Bank of the Sierra, operates as a community-centric regional bank offering a wide range of retail and commercial banking services across several counties in California. In the second quarter of 2025, Sierra Bancorp reported a consolidated net income of $10.6 million, marking a 4% increase from the same period last year. The company also saw a 17% rise in net income compared to the previous quarter, driven by improved net interest income and a significant increase in noninterest income.