SIERRA BANCORP (BSRR) Fundamental Analysis & Valuation

NASDAQ:BSRR • US82620P1021

Current stock price

34.4 USD
+0.41 (+1.21%)
At close:
34.4 USD
0 (0%)
After Hours:

This BSRR fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. BSRR Profitability Analysis

1.1 Basic Checks

  • BSRR had positive earnings in the past year.
  • BSRR had a positive operating cash flow in the past year.
  • In the past 5 years BSRR has always been profitable.
  • BSRR had a positive operating cash flow in each of the past 5 years.
BSRR Yearly Net Income VS EBIT VS OCF VS FCFBSRR Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M 50M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 1.11%, BSRR is in the better half of the industry, outperforming 63.95% of the companies in the same industry.
  • The Return On Equity of BSRR (11.60%) is better than 76.58% of its industry peers.
Industry RankSector Rank
ROA 1.11%
ROE 11.6%
ROIC N/A
ROA(3y)1.05%
ROA(5y)1.07%
ROE(3y)11.09%
ROE(5y)11.24%
ROIC(3y)N/A
ROIC(5y)N/A
BSRR Yearly ROA, ROE, ROICBSRR Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • BSRR's Profit Margin of 27.26% is fine compared to the rest of the industry. BSRR outperforms 60.79% of its industry peers.
  • BSRR's Profit Margin has been stable in the last couple of years.
  • BSRR does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 27.26%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y4.58%
PM growth 5Y-0.21%
GM growth 3YN/A
GM growth 5YN/A
BSRR Yearly Profit, Operating, Gross MarginsBSRR Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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1

2. BSRR Health Analysis

2.1 Basic Checks

  • BSRR does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • Compared to 1 year ago, BSRR has less shares outstanding
  • The number of shares outstanding for BSRR has been reduced compared to 5 years ago.
  • BSRR has a worse debt/assets ratio than last year.
BSRR Yearly Shares OutstandingBSRR Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M
BSRR Yearly Total Debt VS Total AssetsBSRR Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B

2.2 Solvency

  • BSRR has a debt to FCF ratio of 6.72. This is a slightly negative value and a sign of low solvency as BSRR would need 6.72 years to pay back of all of its debts.
  • BSRR's Debt to FCF ratio of 6.72 is on the low side compared to the rest of the industry. BSRR is outperformed by 75.53% of its industry peers.
  • BSRR has a Debt/Equity ratio of 0.59. This is a neutral value indicating BSRR is somewhat dependend on debt financing.
  • The Debt to Equity ratio of BSRR (0.59) is worse than 79.21% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.59
Debt/FCF 6.72
Altman-Z N/A
ROIC/WACCN/A
WACC9.56%
BSRR Yearly LT Debt VS Equity VS FCFBSRR Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
BSRR Yearly Current Assets VS Current LiabilitesBSRR Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. BSRR Growth Analysis

3.1 Past

  • BSRR shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 11.03%, which is quite good.
  • BSRR shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 6.29% yearly.
  • Looking at the last year, BSRR shows a small growth in Revenue. The Revenue has grown by 2.46% in the last year.
  • The Revenue has been growing slightly by 3.86% on average over the past years.
EPS 1Y (TTM)11.03%
EPS 3Y11.85%
EPS 5Y6.29%
EPS Q2Q%34.72%
Revenue 1Y (TTM)2.46%
Revenue growth 3Y3.17%
Revenue growth 5Y3.86%
Sales Q2Q%3.76%

3.2 Future

  • Based on estimates for the next years, BSRR will show a quite strong growth in Earnings Per Share. The EPS will grow by 11.12% on average per year.
  • Based on estimates for the next years, BSRR will show a small growth in Revenue. The Revenue will grow by 4.06% on average per year.
EPS Next Y17.04%
EPS Next 2Y11.12%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year4.49%
Revenue Next 2Y4.06%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
BSRR Yearly Revenue VS EstimatesBSRR Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 50M 100M 150M
BSRR Yearly EPS VS EstimatesBSRR Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3

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5

4. BSRR Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 11.03 indicates a reasonable valuation of BSRR.
  • 67.37% of the companies in the same industry are more expensive than BSRR, based on the Price/Earnings ratio.
  • When comparing the Price/Earnings ratio of BSRR to the average of the S&P500 Index (26.17), we can say BSRR is valued rather cheaply.
  • A Price/Forward Earnings ratio of 9.42 indicates a reasonable valuation of BSRR.
  • 72.11% of the companies in the same industry are more expensive than BSRR, based on the Price/Forward Earnings ratio.
  • When comparing the Price/Forward Earnings ratio of BSRR to the average of the S&P500 Index (23.05), we can say BSRR is valued rather cheaply.
Industry RankSector Rank
PE 11.03
Fwd PE 9.42
BSRR Price Earnings VS Forward Price EarningsBSRR Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of BSRR is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 14.1
EV/EBITDA N/A
BSRR Per share dataBSRR EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.65
PEG (5Y)1.75
EPS Next 2Y11.12%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. BSRR Dividend Analysis

5.1 Amount

  • BSRR has a Yearly Dividend Yield of 3.12%. Purely for dividend investing, there may be better candidates out there.
  • BSRR's Dividend Yield is comparable with the industry average which is at 2.73.
  • BSRR's Dividend Yield is rather good when compared to the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 3.12%

5.2 History

  • The dividend of BSRR has a limited annual growth rate of 4.66%.
  • BSRR has paid a dividend for at least 10 years, which is a reliable track record.
  • BSRR has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)4.66%
Div Incr Years2
Div Non Decr Years15
BSRR Yearly Dividends per shareBSRR Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • 32.45% of the earnings are spent on dividend by BSRR. This is a low number and sustainable payout ratio.
  • BSRR's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP32.45%
EPS Next 2Y11.12%
EPS Next 3YN/A
BSRR Yearly Income VS Free CF VS DividendBSRR Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M 50M
BSRR Dividend Payout.BSRR Dividend Payout, showing the Payout Ratio.BSRR Dividend Payout.PayoutRetained Earnings

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BSRR Fundamentals: All Metrics, Ratios and Statistics

SIERRA BANCORP

NASDAQ:BSRR (4/6/2026, 4:27:31 PM)

After market: 34.4 0 (0%)

34.4

+0.41 (+1.21%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-02
Earnings (Next)04-27
Inst Owners58.24%
Inst Owner Change0%
Ins Owners10.8%
Ins Owner Change4.3%
Market Cap453.74M
Revenue(TTM)155.28M
Net Income(TTM)42.33M
Analysts74.55
Price Target40.03 (16.37%)
Short Float %2.32%
Short Ratio3.9
Dividend
Industry RankSector Rank
Dividend Yield 3.12%
Yearly Dividend1
Dividend Growth(5Y)4.66%
DP32.45%
Div Incr Years2
Div Non Decr Years15
Ex-Date02-09
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)1.24%
Min EPS beat(2)-9.96%
Max EPS beat(2)12.44%
EPS beat(4)2
Avg EPS beat(4)0.72%
Min EPS beat(4)-9.96%
Max EPS beat(4)12.44%
EPS beat(8)4
Avg EPS beat(8)3.48%
EPS beat(12)5
Avg EPS beat(12)-0.42%
EPS beat(16)6
Avg EPS beat(16)-3.88%
Revenue beat(2)0
Avg Revenue beat(2)-3.09%
Min Revenue beat(2)-3.24%
Max Revenue beat(2)-2.94%
Revenue beat(4)0
Avg Revenue beat(4)-2.59%
Min Revenue beat(4)-3.95%
Max Revenue beat(4)-0.22%
Revenue beat(8)1
Avg Revenue beat(8)-2.05%
Revenue beat(12)1
Avg Revenue beat(12)-6.28%
Revenue beat(16)3
Avg Revenue beat(16)-4.93%
PT rev (1m)0%
PT rev (3m)18.49%
EPS NQ rev (1m)0%
EPS NQ rev (3m)3.08%
EPS NY rev (1m)0%
EPS NY rev (3m)5.31%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.21%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.55%
Valuation
Industry RankSector Rank
PE 11.03
Fwd PE 9.42
P/S 2.92
P/FCF 14.1
P/OCF 13.46
P/B 1.24
P/tB 1.34
EV/EBITDA N/A
EPS(TTM)3.12
EY9.07%
EPS(NY)3.65
Fwd EY10.62%
FCF(TTM)2.44
FCFY7.09%
OCF(TTM)2.56
OCFY7.43%
SpS11.77
BVpS27.66
TBVpS25.58
PEG (NY)0.65
PEG (5Y)1.75
Graham Number44.07
Profitability
Industry RankSector Rank
ROA 1.11%
ROE 11.6%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 27.26%
GM N/A
FCFM 20.72%
ROA(3y)1.05%
ROA(5y)1.07%
ROE(3y)11.09%
ROE(5y)11.24%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y4.58%
PM growth 5Y-0.21%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.59
Debt/FCF 6.72
Debt/EBITDA N/A
Cap/Depr 57.81%
Cap/Sales 0.99%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 76.01%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC9.56%
ROIC/WACCN/A
Cap/Depr(3y)47.24%
Cap/Depr(5y)37.25%
Cap/Sales(3y)0.91%
Cap/Sales(5y)0.78%
Profit Quality(3y)120.94%
Profit Quality(5y)116.05%
High Growth Momentum
Growth
EPS 1Y (TTM)11.03%
EPS 3Y11.85%
EPS 5Y6.29%
EPS Q2Q%34.72%
EPS Next Y17.04%
EPS Next 2Y11.12%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)2.46%
Revenue growth 3Y3.17%
Revenue growth 5Y3.86%
Sales Q2Q%3.76%
Revenue Next Year4.49%
Revenue Next 2Y4.06%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-42.55%
FCF growth 3Y-0.13%
FCF growth 5Y-2.81%
OCF growth 1Y-41.03%
OCF growth 3Y0.13%
OCF growth 5Y-3.38%

SIERRA BANCORP / BSRR Fundamental Analysis FAQ

What is the fundamental rating for BSRR stock?

ChartMill assigns a fundamental rating of 4 / 10 to BSRR.


What is the valuation status for BSRR stock?

ChartMill assigns a valuation rating of 5 / 10 to SIERRA BANCORP (BSRR). This can be considered as Fairly Valued.


Can you provide the profitability details for SIERRA BANCORP?

SIERRA BANCORP (BSRR) has a profitability rating of 4 / 10.


What is the financial health of SIERRA BANCORP (BSRR) stock?

The financial health rating of SIERRA BANCORP (BSRR) is 1 / 10.


How sustainable is the dividend of SIERRA BANCORP (BSRR) stock?

The dividend rating of SIERRA BANCORP (BSRR) is 7 / 10 and the dividend payout ratio is 32.45%.