Sierra Bancorp (BSRR)
NASDAQ:BSRR
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Sierra Bancorp
(NASDAQ:BSRR)
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Rating:64Neutral
Price Target:
$38.00
▲(3.88% Upside)
Action:ReiteratedDate:02/28/26
The score is driven primarily by solid underlying profitability and improving 2025 revenue momentum, tempered by increased/volatile leverage and a notable 2025 cash-flow step-down. Valuation is supportive (low-teens P/E plus ~2.8% yield), while technicals are mixed with neutral momentum and slight near-term weakness. A recent dividend increase is a modest positive corporate signal.
Positive Factors
Consistent profitability
Sierra Bancorp has delivered steady net margins (~20–24%) and mid‑teens ROE stability (~10–12%), providing durable earnings power. That consistency supports internal capital generation, dividend coverage, and resilience to normal loan cycle volatility over the next several months.
Negative Factors
Elevated leverage
Leverage has increased and become more volatile, reducing balance‑sheet flexibility. Higher debt‑to‑equity raises funding and credit risk, constrains capital buffers, and could amplify stress if loan losses or funding costs rise, weighing on strategic options over coming months.
Read all positive and negative factors
Positive Factors
Negative Factors
Consistent profitability
Sierra Bancorp has delivered steady net margins (~20–24%) and mid‑teens ROE stability (~10–12%), providing durable earnings power. That consistency supports internal capital generation, dividend coverage, and resilience to normal loan cycle volatility over the next several months.
Read all positive factors
Sierra Bancorp (BSRR) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$482.36M
Dividend Yield3.03%
Average Volume (3M)27.96K
Price to Earnings (P/E)8.4
Beta (1Y)0.98
Revenue Growth-0.65%
EPS Growth14.14%
CountryUS
Employees489
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.97
Shares Outstanding13,186,503
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 Cap1.82
Enterprise Value/Revenue4.49
Enterprise Value/Gross Profit6.15
Enterprise Value/Ebitda15.00
Forecast
1Y Price Target
$39.00Price Target Upside6.62% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering3
EPS Forecast (FY)3.58
Revenue Forecast (FY)$163.40M
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 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 signif...
Sierra Bancorp Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
58
Neutral
Cash Flow
62
Positive
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 201.98M | 191.14M | 168.93M | 142.49M | 131.43M |
| Gross Profit | 149.18M | 134.03M | 114.48M | 119.68M | 131.03M |
| EBITDA | 56.40M | 56.75M | 49.70M | 48.45M | 61.47M |
| Net Income | 42.33M | 40.56M | 34.84M | 33.66M | 43.01M |
Balance Sheet | |||||
| Total Assets | 3.83B | 3.61B | 3.73B | 3.61B | 3.37B |
| Cash, Cash Equivalents and Short-Term Investments | 1.05B | 756.63M | 1.10B | 1.01B | 1.23B |
| Total Debt | 519.05M | 274.09M | 552.59M | 412.86M | 191.38M |
| Total Liabilities | 3.46B | 3.26B | 3.39B | 3.31B | 3.01B |
| Stockholders Equity | 364.86M | 357.30M | 338.10M | 303.58M | 362.49M |
Cash Flow | |||||
| Free Cash Flow | 32.17M | 56.00M | 51.83M | 32.30M | 52.28M |
| Operating Cash Flow | 33.70M | 57.15M | 53.24M | 33.57M | 52.66M |
| Investing Cash Flow | -183.49M | 141.23M | -83.69M | -481.00M | 20.62M |
| Financing Cash Flow | 184.75M | -176.32M | 31.92M | 267.03M | 112.83M |
Sierra Bancorp Technical Analysis
Positive
36.58
Price Trends
35.10
Positive
33.83
Positive
31.45
Positive
Market Momentum
0.18
Negative
69.33
Neutral
91.89
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 36.58 is above the 20-day moving average (MA) of 33.67, above the 50-day MA of 35.10, and above the 200-day MA of 31.45, indicating a bullish trend. The MACD of 0.18 indicates Negative momentum. The RSI at 69.33 is Neutral, neither overbought nor oversold. The STOCH value of 91.89 is Negative, 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 |
|---|---|---|---|---|---|---|---|
70 Outperform | $648.60M | 9.59 | 9.79% | 2.12% | 32.03% | 170.90% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $436.87M | 9.53 | 2.24% | 3.76% | 23.93% | ― | |
65 Neutral | $429.04M | 9.41 | 10.03% | 1.41% | 9.76% | 4.43% | |
64 Neutral | $482.36M | 8.40 | 11.07% | 3.03% | -0.65% | 14.14% | |
64 Neutral | $501.17M | 9.14 | 10.02% | 2.96% | 3.49% | 33.86% | |
49 Neutral | $386.37M | 26.69 | 3.15% | ― | -15.07% | ― |
* Financial Sector Average
BSRR
Sierra Bancorp
36.58
13.05
55.49%
BMRC
Bank Of Marin Bancorp
27.09
8.05
42.31%
CWBC
Community West Bancshares
24.05
8.59
55.60%
CIVB
Civista Bancshares
24.17
6.30
35.28%
FRBA
First Bank
17.07
4.43
35.04%
BRBS
Blue Ridge Bankshares
4.23
1.34
46.37%
Sierra Bancorp Corporate Events
Business Operations and Strategy
Sierra Bancorp Leaders to Attend Janney CEO Forum
Neutral
Feb 2, 2026
Sierra Bancorp announced that President and CEO Kevin J. McPhaill and Executive Vice President and CFO Christopher G. Treece will attend the Janney West Coast CEO Forum on February 4–5, 2026, where they plan to meet with current and prospect...
DividendsFinancial Disclosures
Sierra Bancorp boosts quarterly dividend, extends long streak
Positive
Jan 30, 2026
On January 29, 2026, Sierra Bancorp’s board approved a regular quarterly cash dividend of $0.26 per share, a 4% increase, or $0.01 per share, over the prior quarter’s payout, following its review of financial performance and capital fo...
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.