Sierra Bancorp (BSRR)
NASDAQ:BSRR
Want to see BSRR full AI Analyst Report?
Top Page
Sierra Bancorp
(NASDAQ:BSRR)
Select Model
Select Model
Rating:72Outperform
Price Target:
$42.00
▲(12.90% Upside)
Action:Upgraded
Date:05/22/26
The score is supported by attractive valuation (low P/E with a dividend) and strong technical uptrend signals. Offsetting this, financial performance is held back by a sharp TTM deterioration in operating and free cash flow despite decent earnings and a reasonable balance sheet.
Positive Factors
Dividend Track Record
A 109-quarter consecutive dividend signals persistent earnings generation and conservative capital management. This long-duration cash return policy indicates durable surplus capital and a strong propensity to support shareholder distributions, which underpins investor confidence and funding stability over the medium term.
Negative Factors
Sharply Deteriorating Cash Flow
A pronounced TTM decline in operating and free cash flow reduces internal funding for loans, investments and dividends. Weak cash conversion increases reliance on external funding, limits balance-sheet flexibility, and raises the risk that management must curtail capital returns or slow asset growth if the trend persists.
Read all positive and negative factors
Positive Factors
Negative Factors
Dividend Track Record
A 109-quarter consecutive dividend signals persistent earnings generation and conservative capital management. This long-duration cash return policy indicates durable surplus capital and a strong propensity to support shareholder distributions, which underpins investor confidence and funding stability over the medium term.
Read all positive factors
Sierra Bancorp (BSRR) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$502.24M
Dividend Yield3.03%
Average Volume (3M)27.96K
Price to Earnings (P/E)10.9
Beta (1Y)0.97
Revenue Growth-0.15%
EPS Growth20.73%
CountryUS
Employees489
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)3.44
Shares Outstanding13,079,184
10 Day Avg. Volume32,485
30 Day Avg. Volume27,960
Financial Highlights & Ratios
PEG Ratio0.99
Price to Book (P/B)1.21
Price to Sales (P/S)2.18
P/FCF Ratio13.71
Enterprise Value/Market Cap1.48
Enterprise Value/Revenue3.74
Enterprise Value/Gross Profit5.00
Enterprise Value/Ebitda11.95
Forecast
1Y Price Target
$36.50Price Target Upside-1.88% Downside
Rating ConsensusHold
Number of Analyst Covering2
EPS Forecast (FY)3.58
Revenue Forecast (FY)$163.35M
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, s...
How the Company Makes Money
Sierra Bancorp primarily earns revenue through its banking subsidiary by: (1) Net interest income: the spread between interest earned on interest-earning assets (primarily loans such as commercial, real estate, agricultural, and consumer loans, an...
Sierra Bancorp Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
69
Positive
Cash Flow
38
Negative
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 198.51M | 201.98M | 191.14M | 168.93M | 142.49M | 131.43M |
| Gross Profit | 148.51M | 149.18M | 134.03M | 114.48M | 119.68M | 131.03M |
| EBITDA | 62.20M | 56.40M | 56.75M | 49.70M | 48.45M | 61.47M |
| Net Income | 45.75M | 42.33M | 40.56M | 34.84M | 33.66M | 43.01M |
Balance Sheet | ||||||
| Total Assets | 3.75B | 3.83B | 3.61B | 3.73B | 3.61B | 3.37B |
| Cash, Cash Equivalents and Short-Term Investments | 613.55M | 604.99M | 756.63M | 1.10B | 1.01B | 1.23B |
| Total Debt | 398.38M | 519.05M | 274.09M | 552.59M | 412.86M | 191.38M |
| Total Liabilities | 3.39B | 3.46B | 3.26B | 3.39B | 3.31B | 3.01B |
| Stockholders Equity | 363.71M | 364.86M | 357.30M | 338.10M | 303.58M | 362.49M |
Cash Flow | ||||||
| Free Cash Flow | 2.92M | 32.17M | 56.00M | 51.83M | 32.30M | 52.28M |
| Operating Cash Flow | 4.14M | 33.70M | 57.15M | 53.24M | 33.57M | 52.66M |
| Investing Cash Flow | -157.74M | -183.49M | 141.23M | -83.69M | -481.00M | 20.62M |
| Financing Cash Flow | 150.26M | 184.75M | -176.32M | 31.92M | 267.03M | 112.83M |
Sierra Bancorp Technical Analysis
Positive
37.20
Price Trends
35.82
Positive
35.40
Positive
32.51
Positive
Market Momentum
0.69
Negative
61.70
Neutral
73.96
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 37.2 is below the 20-day moving average (MA) of 37.48, above the 50-day MA of 35.82, and above the 200-day MA of 32.51, indicating a bullish trend. The MACD of 0.69 indicates Negative momentum. The RSI at 61.70 is Neutral, neither overbought nor oversold. The STOCH value of 73.96 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
75 Outperform | $420.93M | 8.73 | 11.26% | 3.76% | -30.41% | -412.21% | |
75 Outperform | $533.09M | 10.46 | 10.21% | 2.96% | 4.52% | 19.77% | |
74 Outperform | $654.48M | 11.08 | 10.30% | 2.12% | 6.30% | 234.95% | |
72 Outperform | $502.24M | 10.88 | 12.67% | 3.03% | -0.15% | 20.73% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
62 Neutral | $393.86M | 9.37 | 9.60% | 1.41% | 7.99% | 8.25% | |
54 Neutral | $294.91M | 24.26 | 3.68% | ― | -10.96% | ― |
* Financial Sector Average
BSRR
Sierra Bancorp
38.31
11.79
44.46%
BMRC
Bank Of Marin Bancorp
25.80
5.32
25.95%
CWBC
Community West Bancshares
24.05
6.63
38.08%
CIVB
Civista Bancshares
25.77
3.91
17.91%
FRBA
First Bank
15.75
1.49
10.47%
BRBS
Blue Ridge Bankshares
3.29
0.48
17.00%
Sierra Bancorp Corporate Events
Executive/Board ChangesShareholder Meetings
Sierra Bancorp Shareholders Approve Directors and Governance Items
Positive
May 21, 2026
At Sierra Bancorp’s annual meeting of shareholders held on May 20, 2026, investors approved all management-backed proposals, including the election of six Class I directors and the continuation of five sitting directors. Shareholder particip...
Business Operations and Strategy
Sierra Bancorp Highlights Investor Outreach at Upcoming Conference
Positive
May 4, 2026
Sierra Bancorp announced that President and CEO Kevin J. McPhaill and Executive Vice President, CFO and COO Christopher G. Treece will attend the D.A. Davidson Financial Institutions Conference in Nashville, Tennessee, scheduled for May 4–6,...
Business Operations and StrategyDividendsFinancial Disclosures
Sierra Bancorp Declares 109th Consecutive Quarterly Cash Dividend
Positive
Apr 24, 2026
On April 23, 2026, Sierra Bancorp’s board declared a regular quarterly cash dividend of $0.26 per share, following its review of financial performance and capital for the quarter ended March 31, 2026. The dividend will be paid on May 11, 202...
Business Operations and StrategyExecutive/Board Changes
Sierra Bancorp Realigns Leadership, Expands CFO Operational Role
Neutral
Apr 20, 2026
On April 17, 2026, Sierra Bancorp and Bank of the Sierra terminated the employment of Executive Vice President and Chief Operations Officer William J. Wade II as part of an organizational realignment, triggering severance benefits under his July 2...
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.