SIERRA BANCORP (BSRR) Fundamental Analysis & Valuation

NASDAQ:BSRR • US82620P1021

Current stock price

37.34 USD
+1.64 (+4.59%)
Last:

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.
  • In the past year BSRR had a positive cash flow from operations.
  • Each year in the past 5 years BSRR has 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

  • BSRR has a Return On Assets of 1.11%. This is in the better half of the industry: BSRR outperforms 63.66% of its industry peers.
  • BSRR's Return On Equity of 11.60% is fine compared to the rest of the industry. BSRR outperforms 76.39% 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

  • Looking at the Profit Margin, with a value of 27.26%, BSRR is in the better half of the industry, outperforming 60.48% of the companies in the same 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 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.
  • The debt/assets ratio for BSRR is higher compared to a year ago.
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

  • The Debt to FCF ratio of BSRR is 6.72, which is on the high side as it means it would take BSRR, 6.72 years of fcf income to pay off all of its debts.
  • BSRR has a Debt to FCF ratio of 6.72. This is in the lower half of the industry: BSRR underperforms 76.92% 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.
  • BSRR's Debt to Equity ratio of 0.59 is on the low side compared to the rest of the industry. BSRR is outperformed by 79.84% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.59
Debt/FCF 6.72
Altman-Z N/A
ROIC/WACCN/A
WACC9.61%
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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5

3. BSRR Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 11.03% 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 6.29% on average per year.
  • Looking at the last year, BSRR shows a small growth in Revenue. The Revenue has grown by 2.46% in the last 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

  • 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

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
  • 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

  • With a Price/Earnings ratio of 11.97, the valuation of BSRR can be described as very reasonable.
  • Based on the Price/Earnings ratio, BSRR is valued a bit cheaper than the industry average as 64.72% of the companies are valued more expensively.
  • BSRR's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.53.
  • With a Price/Forward Earnings ratio of 10.23, the valuation of BSRR can be described as very reasonable.
  • Based on the Price/Forward Earnings ratio, BSRR is valued a bit cheaper than the industry average as 67.37% of the companies are valued more expensively.
  • When comparing the Price/Forward Earnings ratio of BSRR to the average of the S&P500 Index (37.95), we can say BSRR is valued rather cheaply.
Industry RankSector Rank
PE 11.97
Fwd PE 10.23
BSRR Price Earnings VS Forward Price EarningsBSRR Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • BSRR's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 15.31
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)0.7
PEG (5Y)1.9
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

  • With a Yearly Dividend Yield of 2.84%, BSRR has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.53, 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 1.82.
Industry RankSector Rank
Dividend Yield 2.84%

5.2 History

  • The dividend of BSRR has a limited annual growth rate of 4.66%.
  • 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)4.66%
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.
  • The dividend of BSRR is growing, but earnings are growing more, so the dividend growth is 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 (4/17/2026, 11:38:11 AM)

37.34

+1.64 (+4.59%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-02
Earnings (Next)04-27
Inst Owners58.61%
Inst Owner Change0%
Ins Owners10.86%
Ins Owner Change4.3%
Market Cap492.51M
Revenue(TTM)155.28M
Net Income(TTM)42.33M
Analysts74.55
Price Target39.53 (5.87%)
Short Float %2.51%
Short Ratio4.7
Dividend
Industry RankSector Rank
Dividend Yield 2.84%
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)-1.27%
PT rev (3m)16.98%
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 11.97
Fwd PE 10.23
P/S 3.17
P/FCF 15.31
P/OCF 14.61
P/B 1.35
P/tB 1.46
EV/EBITDA N/A
EPS(TTM)3.12
EY8.36%
EPS(NY)3.65
Fwd EY9.78%
FCF(TTM)2.44
FCFY6.53%
OCF(TTM)2.56
OCFY6.84%
SpS11.77
BVpS27.66
TBVpS25.58
PEG (NY)0.7
PEG (5Y)1.9
Graham Number44.0668 (18.01%)
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
WACC9.61%
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%.