SIERRA BANCORP(NASDAQ:BSRR) stock Fundamental Analysis

Fundamental Rating

We assign a fundamental rating of 4 out of 10 to BSRR. BSRR was compared to 398 industry peers in the Banks industry. There are concerns on the financial health of BSRR while its profitability can be described as average. BSRR is not valued too expensively and it also shows a decent growth rate. BSRR also has an excellent dividend rating.

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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 each of the past 5 years.

1.2 Ratios

BSRR's Return On Assets of 1.12% is fine compared to the rest of the industry. BSRR outperforms 74.12% of its industry peers.

Looking at the Return On Equity, with a value of 11.35%, BSRR is in the better half of the industry, outperforming 78.89% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	1.12%
ROE	11.35%
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 has a better Profit Margin (26.76%) than 68.59% of its industry peers.

In the last couple of years the Profit Margin of BSRR has declined.

BSRR does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	26.76%
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

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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.

The number of shares outstanding for BSRR has been reduced compared to 1 year ago.

BSRR has less shares outstanding than it did 5 years ago.

BSRR has a worse debt/assets ratio than last year.

2.2 Solvency

The Debt to FCF ratio of BSRR is 3.47, which is a good value as it means it would take BSRR, 3.47 years of fcf income to pay off all of its debts.

Looking at the Debt to FCF ratio, with a value of 3.47, BSRR is in line with its industry, outperforming 40.20% of the companies in the same industry.

BSRR has a Debt/Equity ratio of 0.54. This is a neutral value indicating BSRR is somewhat dependend on debt financing.

Looking at the Debt to Equity ratio, with a value of 0.54, BSRR is doing worse than 77.89% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.54
Debt/FCF	3.47
Altman-Z	N/A

ROIC/WACCN/A

WACC9.69%

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.

BSRR shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 3.82% yearly.

Looking at the last year, BSRR shows a small growth in Revenue. The Revenue has grown by 6.12% in the last year.

The Revenue has been growing slightly by 5.01% on average over the past years.

EPS 1Y (TTM)19.07%

EPS 3Y0.12%

EPS 5Y3.82%

EPS Q2Q%67.44%

Revenue 1Y (TTM)6.12%

Revenue growth 3Y4.08%

Revenue growth 5Y5.01%

Sales Q2Q%91.95%

3.2 Future

BSRR is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.63% yearly.

Based on estimates for the next years, BSRR will show a small growth in Revenue. The Revenue will grow by 3.29% on average per year.

EPS Next Y4.18%

EPS Next 2Y5.63%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year2.28%

Revenue Next 2Y3.29%

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.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 9.42, the valuation of BSRR can be described as very reasonable.

Based on the Price/Earnings ratio, BSRR is valued a bit cheaper than 78.89% of the companies in the same industry.

When comparing the Price/Earnings ratio of BSRR to the average of the S&P500 Index (28.33), we can say BSRR is valued rather cheaply.

With a Price/Forward Earnings ratio of 9.04, the valuation of BSRR can be described as very reasonable.

64.32% of the companies in the same industry are more expensive than BSRR, based on the Price/Forward Earnings ratio.

BSRR is valuated cheaply when we compare the Price/Forward Earnings ratio to 21.37, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	9.42
Fwd PE	9.04

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, BSRR is valued cheaply inside the industry as 86.93% of the companies are valued more expensively.

		Industry Rank	Sector Rank
P/FCF	6.54
EV/EBITDA	N/A

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.

PEG (NY)2.25

PEG (5Y)2.47

EPS Next 2Y5.63%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

BSRR has a Yearly Dividend Yield of 3.93%. Purely for dividend investing, there may be better candidates out there.

BSRR's Dividend Yield is a higher than the industry average which is at 3.66.

BSRR's Dividend Yield is rather good when compared to the S&P500 average which is at 2.51.

		Industry Rank	Sector Rank
Dividend Yield	3.93%

5.2 History

The dividend of BSRR has a limited annual growth rate of 4.88%.

BSRR has paid a dividend for at least 10 years, which is 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

BSRR pays out 33.61% of its income as dividend. This is a sustainable payout ratio.

BSRR's earnings are growing around the same pace than its dividend. As long as the earnings growth is kept the dividend growth is sustainable.

DP33.61%

EPS Next 2Y5.63%

EPS Next 3YN/A

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SIERRA BANCORP

NASDAQ:BSRR (4/23/2025, 4:30:02 PM)

After market: 26.46 0 (0%)

26.46

0 (0%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

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

Earnings (Next)04-28 2025-04-28/bmo

Inst Owners57.55%

Inst Owner Change-0.05%

Ins Owners10.33%

Ins Owner Change-1.49%

Market Cap365.94M

Analysts74.55

Price Target34.94 (32.05%)

Short Float %0.85%

Short Ratio2.26

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.93%

Yearly Dividend0.94

Dividend Growth(5Y)4.88%

DP33.61%

Div Incr Years1

Div Non Decr Years14

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

Surprises & Revisions

EPS beat(2)0

Avg EPS beat(2)-1.27%

Min EPS beat(2)-1.86%

Max EPS beat(2)-0.67%

EPS beat(4)2

Avg EPS beat(4)6.23%

Min EPS beat(4)-1.86%

Max EPS beat(4)15.24%

EPS beat(8)3

Avg EPS beat(8)-0.99%

EPS beat(12)4

Avg EPS beat(12)-5.41%

EPS beat(16)7

Avg EPS beat(16)-2.54%

Revenue beat(2)0

Avg Revenue beat(2)-3.51%

Min Revenue beat(2)-3.94%

Max Revenue beat(2)-3.09%

Revenue beat(4)1

Avg Revenue beat(4)-1.51%

Min Revenue beat(4)-3.94%

Max Revenue beat(4)1.32%

Revenue beat(8)1

Avg Revenue beat(8)-8.12%

Revenue beat(12)3

Avg Revenue beat(12)-5.72%

Revenue beat(16)3

Avg Revenue beat(16)-5.37%

PT rev (1m)0%

PT rev (3m)5.38%

EPS NQ rev (1m)0%

EPS NQ rev (3m)0.7%

EPS NY rev (1m)-0.07%

EPS NY rev (3m)1.9%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)-1.32%

Revenue NY rev (1m)-0.01%

Revenue NY rev (3m)-0.37%

Valuation

		Industry Rank	Sector Rank
PE	9.42
Fwd PE	9.04
P/S	2.41
P/FCF	6.54
P/OCF	6.4
P/B	1.02
P/tB	1.11
EV/EBITDA	N/A

EPS(TTM)2.81

EY10.62%

EPS(NY)2.93

Fwd EY11.06%

FCF(TTM)4.05

FCFY15.3%

OCF(TTM)4.13

OCFY15.62%

SpS10.96

BVpS25.84

TBVpS23.81

PEG (NY)2.25

PEG (5Y)2.47

Profitability

		Industry Rank	Sector Rank
ROA	1.12%
ROE	11.35%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	26.76%
GM	N/A
FCFM	36.95%

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	0.54
Debt/FCF	3.47
Debt/EBITDA	N/A
Cap/Depr	40.13%
Cap/Sales	0.76%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	138.06%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score8

WACC9.69%

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)19.07%

EPS 3Y0.12%

EPS 5Y3.82%

EPS Q2Q%67.44%

EPS Next Y4.18%

EPS Next 2Y5.63%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)6.12%

Revenue growth 3Y4.08%

Revenue growth 5Y5.01%

Sales Q2Q%91.95%

Revenue Next Year2.28%

Revenue Next 2Y3.29%

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 1Y8.04%

FCF growth 3Y2.31%

FCF growth 5Y4.03%

OCF growth 1Y7.34%

OCF growth 3Y2.77%

OCF growth 5Y4.1%

SIERRA BANCORP (BSRR) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

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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