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SIERRA BANCORP (BSRR) Stock Fundamental Analysis

USA - Nasdaq - NASDAQ:BSRR - US82620P1021 - Common Stock

35.05 USD
0 (0%)
Last: 1/16/2026, 8:00:02 PM
35.05 USD
0 (0%)
After Hours: 1/16/2026, 8:00:02 PM
Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to BSRR. BSRR was compared to 383 industry peers in the Banks industry. While BSRR is still in line with the averages on profitability rating, there are concerns on its financial health. BSRR is not valued too expensively and it also shows a decent growth rate. 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.
  • In the past 5 years BSRR has always been profitable.
  • In the past 5 years BSRR always reported a positive cash flow from operatings.
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 10M 20M 30M 40M 50M

1.2 Ratios

  • BSRR has a better Return On Assets (1.07%) than 69.45% of its industry peers.
  • The Return On Equity of BSRR (11.05%) is better than 74.93% of its industry peers.
Industry RankSector Rank
ROA 1.07%
ROE 11.05%
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
BSRR Yearly ROA, ROE, ROICBSRR Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

  • BSRR's Profit Margin of 25.87% is fine compared to the rest of the industry. BSRR outperforms 60.57% of its industry peers.
  • BSRR's Profit Margin has declined 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) 25.87%
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
BSRR Yearly Profit, Operating, Gross MarginsBSRR Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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1

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.
  • 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 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 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 72.32% 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.
  • The Debt to Equity ratio of BSRR (0.59) is worse than 77.55% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.59
Debt/FCF 5.21
Altman-Z N/A
ROIC/WACCN/A
WACC9.36%
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 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 20M 40M 60M 80M 100M

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4

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an nice 13.89% 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.
  • BSRR shows a small growth in Revenue. In the last year, the Revenue has grown by 2.84%.
  • 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)13.89%
EPS 3Y0.12%
EPS 5Y3.82%
EPS Q2Q%-2.7%
Revenue 1Y (TTM)2.84%
Revenue growth 3Y4.08%
Revenue growth 5Y5.01%
Sales Q2Q%1.22%

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 8.13% on average per year.
  • BSRR is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.56% yearly.
EPS Next Y9.62%
EPS Next 2Y11.08%
EPS Next 3Y8.13%
EPS Next 5YN/A
Revenue Next Year3.19%
Revenue Next 2Y3.55%
Revenue Next 3Y3.56%
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 decreasing.
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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4

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 12.21, which indicates a correct valuation of BSRR.
  • The rest of the industry has a similar Price/Earnings ratio as BSRR.
  • The average S&P500 Price/Earnings ratio is at 27.47. BSRR is valued rather cheaply when compared to this.
  • The Price/Forward Earnings ratio is 10.11, which indicates a very decent valuation of BSRR.
  • Based on the Price/Forward Earnings ratio, BSRR is valued a bit cheaper than 60.57% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 24.26. BSRR is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 12.21
Fwd PE 10.11
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

  • BSRR's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 11.5
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

  • The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.27
PEG (5Y)3.2
EPS Next 2Y11.08%
EPS Next 3Y8.13%

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7

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 2.91%, BSRR has a reasonable but not impressive dividend return.
  • BSRR's Dividend Yield is comparable with the industry average which is at 2.91.
  • BSRR's Dividend Yield is rather good when compared to the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 2.91%

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
BSRR Yearly Dividends per shareBSRR Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • BSRR pays out 34.68% of its income as dividend. This is a sustainable payout ratio.
  • BSRR's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP34.68%
EPS Next 2Y11.08%
EPS Next 3Y8.13%
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 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 (1/16/2026, 8:00:02 PM)

After market: 35.05 0 (0%)

35.05

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-27
Earnings (Next)01-26
Inst Owners58.51%
Inst Owner Change0.15%
Ins Owners10.5%
Ins Owner Change0.13%
Market Cap466.16M
Revenue(TTM)153.85M
Net Income(TTM)39.80M
Analysts74.55
Price Target33.79 (-3.59%)
Short Float %1.37%
Short Ratio3.47
Dividend
Industry RankSector Rank
Dividend Yield 2.91%
Yearly Dividend0.94
Dividend Growth(5Y)4.88%
DP34.68%
Div Incr Years1
Div Non Decr Years14
Ex-DateN/A
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)1.15%
PT rev (3m)1.53%
EPS NQ rev (1m)0%
EPS NQ rev (3m)5.99%
EPS NY rev (1m)0%
EPS NY rev (3m)0.16%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.28%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.37%
Valuation
Industry RankSector Rank
PE 12.21
Fwd PE 10.11
P/S 3.03
P/FCF 11.5
P/OCF 11.14
P/B 1.29
P/tB 1.4
EV/EBITDA N/A
EPS(TTM)2.87
EY8.19%
EPS(NY)3.47
Fwd EY9.89%
FCF(TTM)3.05
FCFY8.69%
OCF(TTM)3.15
OCFY8.98%
SpS11.57
BVpS27.07
TBVpS25.01
PEG (NY)1.27
PEG (5Y)3.2
Graham Number41.81
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%
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
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 3Y-5.78%
PM growth 5Y-2.47%
GM growth 3YN/A
GM growth 5YN/A
F-Score9
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-Score9
WACC9.36%
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)13.89%
EPS 3Y0.12%
EPS 5Y3.82%
EPS Q2Q%-2.7%
EPS Next Y9.62%
EPS Next 2Y11.08%
EPS Next 3Y8.13%
EPS Next 5YN/A
Revenue 1Y (TTM)2.84%
Revenue growth 3Y4.08%
Revenue growth 5Y5.01%
Sales Q2Q%1.22%
Revenue Next Year3.19%
Revenue Next 2Y3.55%
Revenue Next 3Y3.56%
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-14.69%
FCF growth 3Y2.31%
FCF growth 5Y4.03%
OCF growth 1Y-14.55%
OCF growth 3Y2.77%
OCF growth 5Y4.1%

SIERRA BANCORP / BSRR FAQ

What is the fundamental rating for BSRR stock?

ChartMill assigns a fundamental rating of 3 / 10 to BSRR.


What is the valuation status for BSRR stock?

ChartMill assigns a valuation rating of 4 / 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 12.21 and the Price/Book (PB) ratio is 1.29.


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%.