SIERRA BANCORP (BSRR) Stock Fundamental Analysis

NASDAQ:BSRR • US82620P1021

37.27 USD
+0.22 (+0.59%)
At close: Feb 13, 2026
37.27 USD
0 (0%)
After Hours: 2/13/2026, 8:00:02 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

BSRR gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 381 industry peers in the Banks industry. There are concerns on the financial health of BSRR while its profitability can be described as average. BSRR has a decent growth rate and is not valued too expensively. BSRR also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • In the past year BSRR was profitable.
  • BSRR had a positive operating cash flow in the past year.
  • BSRR had positive earnings in each of the past 5 years.
  • BSRR had a positive operating cash flow in 4 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

  • BSRR has a better Return On Assets (1.07%) than 67.98% of its industry peers.
  • With a decent Return On Equity value of 11.05%, BSRR is doing good in the industry, outperforming 74.28% of the companies in the same industry.
Industry RankSector Rank
ROA 1.07%
ROE 11.05%
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 has a Profit Margin of 25.87%. This is in the better half of the industry: BSRR outperforms 60.37% 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) 25.87%
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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ROAROEROICOperating and Profit MarginShow most profitable peers

1

2. Health

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.
  • Compared to 1 year ago, BSRR has a worse debt to assets ratio.
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 5.21. This is a neutral value as BSRR would need 5.21 years to pay back of all of its debts.
  • BSRR has a worse Debt to FCF ratio (5.21) than 71.92% of its industry peers.
  • A Debt/Equity ratio of 0.59 indicates that BSRR is somewhat dependend on debt financing.
  • With a Debt to Equity ratio value of 0.59, BSRR is not doing good in the industry: 76.90% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 0.59
Debt/FCF 5.21
Altman-Z N/A
ROIC/WACCN/A
WACC9.15%
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. Growth

3.1 Past

  • The Earnings Per Share has grown by an nice 11.03% over the past year.
  • The Earnings Per Share has been growing slightly by 6.29% on average over the past years.
  • The Revenue has been growing slightly by 2.46% in the past year.
  • Measured over the past years, BSRR shows a small growth in Revenue. The Revenue has been growing by 3.86% on average per year.
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

  • The Earnings Per Share is expected to grow by 10.21% on average over the next years. This is quite good.
  • BSRR is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.85% yearly.
EPS Next Y15.62%
EPS Next 2Y10.21%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year3.89%
Revenue Next 2Y3.85%
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.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
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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Find the best growth stocksShow best growing peers

5

4. Valuation

4.1 Price/Earnings Ratio

  • BSRR is valuated reasonably with a Price/Earnings ratio of 11.95.
  • Compared to the rest of the industry, the Price/Earnings ratio of BSRR indicates a somewhat cheap valuation: BSRR is cheaper than 60.89% of the companies listed in the same industry.
  • BSRR's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.68.
  • BSRR is valuated reasonably with a Price/Forward Earnings ratio of 10.33.
  • 62.73% of the companies in the same industry are more expensive than BSRR, based on the Price/Forward Earnings ratio.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 28.06, BSRR is valued rather cheaply.
Industry RankSector Rank
PE 11.95
Fwd PE 10.33
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

  • The rest of the industry has a similar Price/Free Cash Flow ratio as BSRR.
Industry RankSector Rank
P/FCF 12.21
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

  • BSRR's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.76
PEG (5Y)1.9
EPS Next 2Y10.21%
EPS Next 3YN/A

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

7

5. Dividend

5.1 Amount

  • BSRR has a Yearly Dividend Yield of 2.81%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 2.78, BSRR has a dividend in line with its industry peers.
  • BSRR's Dividend Yield is rather good when compared to the S&P500 average which is at 1.84.
Industry RankSector Rank
Dividend Yield 2.81%

5.2 History

  • The dividend of BSRR has a limited annual growth rate of 4.88%.
  • BSRR has been paying a dividend for at least 10 years, so it has 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)4.88%
Div Incr Years1
Div Non Decr Years14
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

  • 34.68% 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.
DP34.68%
EPS Next 2Y10.21%
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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SIERRA BANCORP

NASDAQ:BSRR (2/13/2026, 8:00:02 PM)

After market: 37.27 0 (0%)

37.27

+0.22 (+0.59%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-02
Earnings (Next)04-27
Inst Owners58.51%
Inst Owner Change-92.72%
Ins Owners10.5%
Ins Owner Change3.09%
Market Cap494.57M
Revenue(TTM)155.28M
Net Income(TTM)39.80M
Analysts76
Price Target38.42 (3.09%)
Short Float %1.32%
Short Ratio2.72
Dividend
Industry RankSector Rank
Dividend Yield 2.81%
Yearly Dividend0.94
Dividend Growth(5Y)4.88%
DP34.68%
Div Incr Years1
Div Non Decr Years14
Ex-Date02-09
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-3.2%
Min EPS beat(2)-9.96%
Max EPS beat(2)3.56%
EPS beat(4)1
Avg EPS beat(4)-2.85%
Min EPS beat(4)-9.96%
Max EPS beat(4)3.56%
EPS beat(8)3
Avg EPS beat(8)-2.06%
EPS beat(12)4
Avg EPS beat(12)-4.4%
EPS beat(16)5
Avg EPS beat(16)-5.06%
Revenue beat(2)0
Avg Revenue beat(2)-1.73%
Min Revenue beat(2)-3.24%
Max Revenue beat(2)-0.22%
Revenue beat(4)0
Avg Revenue beat(4)-2.84%
Min Revenue beat(4)-3.95%
Max Revenue beat(4)-0.22%
Revenue beat(8)1
Avg Revenue beat(8)-7.51%
Revenue beat(12)2
Avg Revenue beat(12)-6.02%
Revenue beat(16)3
Avg Revenue beat(16)-5.48%
PT rev (1m)13.71%
PT rev (3m)15.9%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)4.04%
EPS NY rev (3m)4.04%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)-0.03%
Revenue NY rev (3m)0.3%
Valuation
Industry RankSector Rank
PE 11.95
Fwd PE 10.33
P/S 3.21
P/FCF 12.21
P/OCF 11.82
P/B 1.37
P/tB 1.49
EV/EBITDA N/A
EPS(TTM)3.12
EY8.37%
EPS(NY)3.61
Fwd EY9.68%
FCF(TTM)3.05
FCFY8.19%
OCF(TTM)3.15
OCFY8.46%
SpS11.59
BVpS27.14
TBVpS25.06
PEG (NY)0.76
PEG (5Y)1.9
Graham Number43.65
Profitability
Industry RankSector Rank
ROA 1.07%
ROE 11.05%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 25.87%
GM N/A
FCFM 26.34%
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-Score8
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.59
Debt/FCF 5.21
Debt/EBITDA N/A
Cap/Depr 48.68%
Cap/Sales 0.87%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 101.82%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC9.15%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)11.03%
EPS 3Y11.85%
EPS 5Y6.29%
EPS Q2Q%34.72%
EPS Next Y15.62%
EPS Next 2Y10.21%
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 Year3.89%
Revenue Next 2Y3.85%
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 1Y6.16%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y6.27%
OCF growth 3YN/A
OCF growth 5YN/A

SIERRA BANCORP / BSRR 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.


How profitable is SIERRA BANCORP (BSRR) stock?

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


Can you provide the PE and PB ratios for BSRR stock?

The Price/Earnings (PE) ratio for SIERRA BANCORP (BSRR) is 11.95 and the Price/Book (PB) ratio is 1.37.


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 34.68%.