SIERRA BANCORP (BSRR) Stock Fundamental Analysis
USA - NASDAQ:BSRR - US82620P1021 - Common Stock
26.85 USD
-0.1 (-0.37%)
We assign a fundamental rating of 4 out of 10 to BSRR. BSRR was compared to 391 industry peers in the Banks industry. BSRR has a medium profitability rating, but doesn't score so well on its financial health evaluation. BSRR has a decent growth rate and is not valued too expensively. BSRR also has an excellent dividend rating.
1. Profitability
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.
Each year in the past 5 years BSRR had a positive operating cash flow.
1.2 Ratios
BSRR has a better Return On Assets (1.08%) than 72.38% of its industry peers.
BSRR has a better Return On Equity (11.44%) than 79.28% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.08% | ||
| ROE | 11.44% | ||
| ROIC | N/A |
ROA(3y)1%
ROA(5y)1.07%
ROE(3y)10.92%
ROE(5y)10.98%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
BSRR's Profit Margin of 26.71% is fine compared to the rest of the industry. BSRR outperforms 68.03% of its industry peers.
In the last couple of years the Profit Margin of BSRR has declined.
The Operating Margin and Gross Margin are not available for BSRR so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 26.71% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-5.78%
PM growth 5Y-2.47%
GM growth 3YN/A
GM growth 5YN/A
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
Compared to 5 years ago, BSRR has less shares outstanding
BSRR has a worse debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of BSRR is 3.99, which is a good value as it means it would take BSRR, 3.99 years of fcf income to pay off all of its debts.
BSRR has a worse Debt to FCF ratio (3.99) than 63.43% of its industry peers.
BSRR has a Debt/Equity ratio of 0.60. This is a neutral value indicating BSRR is somewhat dependend on debt financing.
With a Debt to Equity ratio value of 0.60, BSRR is not doing good in the industry: 78.77% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.6 | ||
| Debt/FCF | 3.99 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC9.64%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
BSRR shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 17.48%, which is quite good.
The Earnings Per Share has been growing slightly by 3.82% on average over the past years.
The Revenue has been growing slightly by 3.77% in the past year.
Measured over the past years, BSRR shows a small growth in Revenue. The Revenue has been growing by 5.01% on average per year.
EPS 1Y (TTM)17.48%
EPS 3Y0.12%
EPS 5Y3.82%
EPS Q2Q%9.86%
Revenue 1Y (TTM)3.77%
Revenue growth 3Y4.08%
Revenue growth 5Y5.01%
Sales Q2Q%3.72%
3.2 Future
Based on estimates for the next years, BSRR will show a small growth in Earnings Per Share. The EPS will grow by 7.53% on average per year.
The Revenue is expected to grow by 3.27% on average over the next years.
EPS Next Y9.45%
EPS Next 2Y7.53%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year2.81%
Revenue Next 2Y3.27%
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 decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
BSRR is valuated reasonably with a Price/Earnings ratio of 9.29.
Based on the Price/Earnings ratio, BSRR is valued cheaply inside the industry as 83.89% of the companies are valued more expensively.
When comparing the Price/Earnings ratio of BSRR to the average of the S&P500 Index (27.69), we can say BSRR is valued rather cheaply.
The Price/Forward Earnings ratio is 8.26, which indicates a very decent valuation of BSRR.
75.45% 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 23.18, BSRR is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.29 | ||
| Fwd PE | 8.26 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of BSRR indicates a rather cheap valuation: BSRR is cheaper than 86.70% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.87 | ||
| EV/EBITDA | N/A |
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)0.98
PEG (5Y)2.43
EPS Next 2Y7.53%
EPS Next 3YN/A
5. Dividend
5.1 Amount
BSRR has a Yearly Dividend Yield of 3.69%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.57, BSRR pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.34, BSRR pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.69% |
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 their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)4.88%
Div Incr Years1
Div Non Decr Years14
5.3 Sustainability
34.03% of the earnings are spent on dividend by BSRR. This is a low number and sustainable payout ratio.
The dividend of BSRR is growing, but earnings are growing more, so the dividend growth is sustainable.
DP34.03%
EPS Next 2Y7.53%
EPS Next 3YN/A
NASDAQ:BSRR (10/21/2025, 3:54:58 PM)
26.85
-0.1 (-0.37%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners58.67%
Inst Owner Change-0.02%
Ins Owners10.33%
Ins Owner Change-1.03%
Market Cap364.89M
Analysts74.55
Price Target33.28 (23.95%)
Short Float %1.11%
Short Ratio4.76
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.69% |
Yearly Dividend0.94
Dividend Growth(5Y)4.88%
DP34.03%
Div Incr Years1
Div Non Decr Years14
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)0.2%
Min EPS beat(2)-3.15%
Max EPS beat(2)3.56%
EPS beat(4)1
Avg EPS beat(4)-0.53%
Min EPS beat(4)-3.15%
Max EPS beat(4)3.56%
EPS beat(8)3
Avg EPS beat(8)-0.88%
EPS beat(12)4
Avg EPS beat(12)-3.85%
EPS beat(16)6
Avg EPS beat(16)-4%
Revenue beat(2)0
Avg Revenue beat(2)-2.08%
Min Revenue beat(2)-3.95%
Max Revenue beat(2)-0.22%
Revenue beat(4)0
Avg Revenue beat(4)-2.8%
Min Revenue beat(4)-3.95%
Max Revenue beat(4)-0.22%
Revenue beat(8)1
Avg Revenue beat(8)-7.63%
Revenue beat(12)2
Avg Revenue beat(12)-5.93%
Revenue beat(16)3
Avg Revenue beat(16)-5.28%
PT rev (1m)0%
PT rev (3m)4.4%
EPS NQ rev (1m)0%
EPS NQ rev (3m)2.32%
EPS NY rev (1m)0%
EPS NY rev (3m)2.56%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.37%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.73%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.29 | ||
| Fwd PE | 8.26 | ||
| P/S | 2.39 | ||
| P/FCF | 6.87 | ||
| P/OCF | 6.72 | ||
| P/B | 1.03 | ||
| P/tB | 1.11 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.89
EY10.76%
EPS(NY)3.25
Fwd EY12.1%
FCF(TTM)3.91
FCFY14.56%
OCF(TTM)4
OCFY14.89%
SpS11.21
BVpS26.17
TBVpS24.14
PEG (NY)0.98
PEG (5Y)2.43
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.08% | ||
| ROE | 11.44% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 26.71% | ||
| GM | N/A | ||
| FCFM | 34.85% |
ROA(3y)1%
ROA(5y)1.07%
ROE(3y)10.92%
ROE(5y)10.98%
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
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-5.78%
PM growth 5Y-2.47%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.6 | ||
| Debt/FCF | 3.99 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 43.66% | ||
| Cap/Sales | 0.79% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 130.49% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC9.64%
ROIC/WACCN/A
Cap/Depr(3y)39.93%
Cap/Depr(5y)39.93%
Cap/Sales(3y)0.88%
Cap/Sales(5y)1.04%
Profit Quality(3y)127.55%
Profit Quality(5y)121.82%
High Growth Momentum
Growth
EPS 1Y (TTM)17.48%
EPS 3Y0.12%
EPS 5Y3.82%
EPS Q2Q%9.86%
EPS Next Y9.45%
EPS Next 2Y7.53%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)3.77%
Revenue growth 3Y4.08%
Revenue growth 5Y5.01%
Sales Q2Q%3.72%
Revenue Next Year2.81%
Revenue Next 2Y3.27%
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 1Y21.76%
FCF growth 3Y2.31%
FCF growth 5Y4.03%
OCF growth 1Y20.6%
OCF growth 3Y2.77%
OCF growth 5Y4.1%