SIERRA BANCORP(NASDAQ:BSRR) stock Fundamental Analysis

Fundamental Rating

Overall BSRR gets a fundamental rating of 3 out of 10. We evaluated BSRR against 405 industry peers in the Banks industry. BSRR may be in some trouble as it scores bad on both profitability and health. BSRR has a valuation in line with the averages, but it does not seem to be growing. BSRR also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

In the past year BSRR was profitable.

In the past year BSRR had a positive cash flow from operations.

Of the past 5 years BSRR 4 years were profitable.

BSRR had a positive operating cash flow in 4 of the past 5 years.

1.2 Ratios

With a decent Return On Assets value of 0.99%, BSRR is doing good in the industry, outperforming 68.42% of the companies in the same industry.

With a decent Return On Equity value of 10.17%, BSRR is doing good in the industry, outperforming 73.18% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	0.99%
ROE	10.17%
ROIC	N/A

ROA(3y)1.05%

ROA(5y)1.13%

ROE(3y)11.09%

ROE(5y)11.04%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

The Profit Margin of BSRR (24.39%) is comparable to the rest of the industry.

BSRR's Profit Margin has been stable in the last couple of years.

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)	24.39%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-3.97%

PM growth 5Y-1.41%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

BSRR does not have a ROIC to compare to the WACC, probably because it is not profitable.

There is no outstanding debt for BSRR. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.

2.2 Solvency

The Debt to FCF ratio of BSRR is 5.52, which is a neutral value as it means it would take BSRR, 5.52 years of fcf income to pay off all of its debts.

BSRR has a Debt to FCF ratio of 5.52. This is in the lower half of the industry: BSRR underperforms 65.41% 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: 79.95% of the companies in the same industry are doing better.

		Industry Rank	Sector Rank
Debt/Equity	0.59
Debt/FCF	5.52
Altman-Z	N/A

ROIC/WACCN/A

WACC8.68%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 19.07% over the past year.

Measured over the past 5 years, BSRR shows a small growth in Earnings Per Share. The EPS has been growing by 3.82% on average per year.

EPS 1Y (TTM)19.07%

EPS 3Y0.12%

EPS 5Y3.82%

EPS Q2Q%67.44%

Revenue 1Y (TTM)N/A

Revenue growth 3YN/A

Revenue growth 5YN/A

Sales Q2Q%91.95%

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 5.67% on average per year.

Based on estimates for the next years, BSRR will show a small growth in Revenue. The Revenue will grow by 3.34% on average per year.

EPS Next Y4.25%

EPS Next 2Y5.67%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year2.3%

Revenue Next 2Y3.34%

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.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 10.88 indicates a reasonable valuation of BSRR.

BSRR's Price/Earnings ratio is a bit cheaper when compared to the industry. BSRR is cheaper than 73.93% of the companies in the same industry.

BSRR's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 29.01.

A Price/Forward Earnings ratio of 10.43 indicates a reasonable valuation of BSRR.

Based on the Price/Forward Earnings ratio, BSRR is valued a bit cheaper than 66.17% of the companies in the same industry.

BSRR's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.40.

		Industry Rank	Sector Rank
PE	10.88
Fwd PE	10.43

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, BSRR is valued a bit cheaper than the industry average as 61.40% of the companies are valued more expensively.

		Industry Rank	Sector Rank
P/FCF	11.39
EV/EBITDA	N/A

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates BSRR does not grow enough to justify the current Price/Earnings ratio.

PEG (NY)2.56

PEG (5Y)2.85

EPS Next 2Y5.67%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.26%, BSRR has a reasonable but not impressive dividend return.

Compared to an average industry Dividend Yield of 3.19, BSRR pays a bit more dividend than its industry peers.

Compared to an average S&P500 Dividend Yield of 2.27, BSRR pays a bit more dividend than the S&P500 average.

		Industry Rank	Sector Rank
Dividend Yield	3.26%

5.2 History

The dividend of BSRR is nicely growing with an annual growth rate of 7.40%!

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)7.4%

Div Incr Years1

Div Non Decr Years14

5.3 Sustainability

BSRR pays out 37.09% of its income as dividend. This is a sustainable payout ratio.

BSRR's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.

DP37.09%

EPS Next 2Y5.67%

EPS Next 3YN/A

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SIERRA BANCORP

NASDAQ:BSRR (2/27/2025, 8:00:01 PM)

After market: 30.56 0 (0%)

30.56

+0.19 (+0.63%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)01-27 2025-01-27/bmo

Earnings (Next)04-21 2025-04-21/bmo

Inst Owners57.55%

Inst Owner Change-2.99%

Ins Owners10.33%

Ins Owner Change-0.74%

Market Cap434.87M

Analysts74.55

Price Target34.94 (14.33%)

Short Float %0.43%

Short Ratio1.17

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.26%

Yearly Dividend0.91

Dividend Growth(5Y)7.4%

DP37.09%

Div Incr Years1

Div Non Decr Years14

Ex-Date02-03 2025-02-03 (0.25)

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)7.29%

Min EPS beat(2)-0.67%

Max EPS beat(2)15.24%

EPS beat(4)2

Avg EPS beat(4)-1.27%

Min EPS beat(4)-31.85%

Max EPS beat(4)15.24%

EPS beat(8)3

Avg EPS beat(8)-5.17%

EPS beat(12)4

Avg EPS beat(12)-5.79%

EPS beat(16)7

Avg EPS beat(16)-3.05%

Revenue beat(2)0

Avg Revenue beat(2)-1.7%

Min Revenue beat(2)-3.09%

Max Revenue beat(2)-0.32%

Revenue beat(4)1

Avg Revenue beat(4)-12.19%

Min Revenue beat(4)-46.67%

Max Revenue beat(4)1.32%

Revenue beat(8)2

Avg Revenue beat(8)-7.6%

Revenue beat(12)3

Avg Revenue beat(12)-6.36%

Revenue beat(16)3

Avg Revenue beat(16)-5.73%

PT rev (1m)5.38%

PT rev (3m)10.48%

EPS NQ rev (1m)0%

EPS NQ rev (3m)0%

EPS NY rev (1m)0%

EPS NY rev (3m)0%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)0%

Revenue NY rev (1m)0%

Revenue NY rev (3m)0%

Valuation

		Industry Rank	Sector Rank
PE	10.88
Fwd PE	10.43
P/S	2.91
P/FCF	11.39
P/OCF	11.04
P/B	1.21
P/tB	1.31
EV/EBITDA	N/A

EPS(TTM)2.81

EY9.2%

EPS(NY)2.93

Fwd EY9.59%

FCF(TTM)2.68

FCFY8.78%

OCF(TTM)2.77

OCFY9.06%

SpS10.51

BVpS25.21

TBVpS23.28

PEG (NY)2.56

PEG (5Y)2.85

Profitability

		Industry Rank	Sector Rank
ROA	0.99%
ROE	10.17%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	24.39%
GM	N/A
FCFM	25.52%

ROA(3y)1.05%

ROA(5y)1.13%

ROE(3y)11.09%

ROE(5y)11.04%

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-3.97%

PM growth 5Y-1.41%

GM growth 3YN/A

GM growth 5YN/A

F-Score7

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	0.59
Debt/FCF	5.52
Debt/EBITDA	N/A
Cap/Depr	40.58%
Cap/Sales	0.81%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	104.62%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score7

WACC8.68%

ROIC/WACCN/A

Cap/Depr(3y)29.44%

Cap/Depr(5y)35.75%

Cap/Sales(3y)0.72%

Cap/Sales(5y)1.02%

Profit Quality(3y)122.07%

Profit Quality(5y)119.74%

High Growth Momentum

Growth

EPS 1Y (TTM)19.07%

EPS 3Y0.12%

EPS 5Y3.82%

EPS Q2Q%67.44%

EPS Next Y4.25%

EPS Next 2Y5.67%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)N/A

Revenue growth 3YN/A

Revenue growth 5YN/A

Sales Q2Q%91.95%

Revenue Next Year2.3%

Revenue Next 2Y3.34%

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 1Y490.88%

FCF growth 3Y11.78%

FCF growth 5Y13.65%

OCF growth 1Y433.62%

OCF growth 3Y9.98%

OCF growth 5Y11.82%

SIERRA BANCORP (BSRR) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

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2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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