SIERRA BANCORP (BSRR) Stock Fundamental Analysis
USA - NASDAQ:BSRR - US82620P1021 - Common Stock
29.48 USD
+0.4 (+1.38%)
Taking everything into account, BSRR scores 4 out of 10 in our fundamental rating. BSRR was compared to 388 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 correct valuation and a medium growth rate. Finally 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.
Each year in the past 5 years BSRR has been profitable.
In the past 5 years BSRR always reported a positive cash flow from operatings.
1.2 Ratios
BSRR's Return On Assets of 1.07% is fine compared to the rest of the industry. BSRR outperforms 70.62% of its industry peers.
BSRR has a Return On Equity of 11.05%. This is in the better half of the industry: BSRR outperforms 76.03% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
BSRR has a better Profit Margin (25.87%) than 62.63% of its industry peers.
BSRR's Profit Margin has declined in the last couple of years.
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) | 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
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.
Compared to 1 year ago, BSRR has a worse debt to assets ratio.
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's Debt to FCF ratio of 5.21 is on the low side compared to the rest of the industry. BSRR is outperformed by 70.88% of its industry peers.
A Debt/Equity ratio of 0.59 indicates that BSRR is somewhat dependend on debt financing.
The Debt to Equity ratio of BSRR (0.59) is worse than 78.61% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.59 | ||
| Debt/FCF | 5.21 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC9.49%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
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.
Looking at the last year, BSRR shows a small growth in Revenue. The Revenue has grown by 2.84% in the last year.
BSRR shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 5.01% yearly.
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
The Earnings Per Share is expected to grow by 8.13% on average over the next years. This is quite good.
The Revenue is expected to grow by 3.56% on average over the next years.
EPS Next Y9.62%
EPS Next 2Y11.08%
EPS Next 3Y8.13%
EPS Next 5YN/A
Revenue Next Year3.17%
Revenue Next 2Y3.38%
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.
4. Valuation
4.1 Price/Earnings Ratio
BSRR is valuated reasonably with a Price/Earnings ratio of 10.27.
Based on the Price/Earnings ratio, BSRR is valued a bit cheaper than 68.04% of the companies in the same industry.
When comparing the Price/Earnings ratio of BSRR to the average of the S&P500 Index (25.47), we can say BSRR is valued rather cheaply.
The Price/Forward Earnings ratio is 8.50, which indicates a very decent valuation of BSRR.
BSRR's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. BSRR is cheaper than 71.65% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 35.42. BSRR is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.27 | ||
| Fwd PE | 8.5 |
4.2 Price Multiples
64.95% of the companies in the same industry are more expensive than BSRR, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.89 | ||
| EV/EBITDA | N/A |
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)1.07
PEG (5Y)2.69
EPS Next 2Y11.08%
EPS Next 3Y8.13%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.40%, BSRR has a reasonable but not impressive dividend return.
BSRR's Dividend Yield is a higher than the industry average which is at 3.39.
BSRR's Dividend Yield is a higher than the S&P500 average which is at 2.44.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.4% |
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 its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)4.88%
Div Incr Years1
Div Non Decr Years14
5.3 Sustainability
BSRR pays out 34.68% of its income as dividend. This is a sustainable payout ratio.
The dividend of BSRR is growing, but earnings are growing more, so the dividend growth is sustainable.
DP34.68%
EPS Next 2Y11.08%
EPS Next 3Y8.13%
NASDAQ:BSRR (11/20/2025, 1:35:43 PM)
29.48
+0.4 (+1.38%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners58.67%
Inst Owner Change-1.96%
Ins Owners10.33%
Ins Owner Change-1.65%
Market Cap400.63M
Revenue(TTM)153.85M
Net Income(TTM)39.80M
Analysts74.55
Price Target33.15 (12.45%)
Short Float %1.51%
Short Ratio5.11
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.4% |
Yearly Dividend0.94
Dividend Growth(5Y)4.88%
DP34.68%
Div Incr Years1
Div Non Decr Years14
Ex-Date
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)-0.38%
PT rev (3m)-0.38%
EPS NQ rev (1m)6.44%
EPS NQ rev (3m)5.99%
EPS NY rev (1m)0.16%
EPS NY rev (3m)2.72%
Revenue NQ rev (1m)-0.28%
Revenue NQ rev (3m)-0.28%
Revenue NY rev (1m)0.35%
Revenue NY rev (3m)1.08%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.27 | ||
| Fwd PE | 8.5 | ||
| P/S | 2.6 | ||
| P/FCF | 9.89 | ||
| P/OCF | 9.57 | ||
| P/B | 1.11 | ||
| P/tB | 1.2 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.87
EY9.74%
EPS(NY)3.47
Fwd EY11.76%
FCF(TTM)2.98
FCFY10.11%
OCF(TTM)3.08
OCFY10.45%
SpS11.32
BVpS26.5
TBVpS24.47
PEG (NY)1.07
PEG (5Y)2.69
Graham Number41.36
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC9.49%
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 Year3.17%
Revenue Next 2Y3.38%
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 4 / 10 to BSRR.
Can you provide the valuation status for SIERRA BANCORP?
ChartMill assigns a valuation rating of 5 / 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.
What is the financial health of SIERRA BANCORP (BSRR) stock?
The financial health rating of SIERRA BANCORP (BSRR) is 1 / 10.
What is the earnings growth outlook for SIERRA BANCORP?
The Earnings per Share (EPS) of SIERRA BANCORP (BSRR) is expected to grow by 9.62% in the next year.