33.47 USD
-0.24 (-0.71%)
Overall BSRR gets a fundamental rating of 4 out of 10. We evaluated BSRR against 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 has a decent growth rate and is not valued too expensively. 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.
- BSRR had positive earnings in each of the past 5 years.
- In the past 5 years BSRR always reported a positive cash flow from operatings.
1.2 Ratios
- BSRR has a better Return On Assets (1.07%) than 68.93% of its industry peers.
- The Return On Equity of BSRR (11.05%) is better than 74.67% 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
- The Profit Margin of BSRR (25.87%) is better than 60.57% 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) | 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.
- Compared to 1 year ago, BSRR has less shares outstanding
- BSRR has less shares outstanding than it did 5 years ago.
- BSRR has a worse debt/assets ratio than last year.
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 72.32% of its industry peers.
- A Debt/Equity ratio of 0.59 indicates that BSRR is somewhat dependend on debt financing.
- BSRR has a worse Debt to Equity ratio (0.59) than 77.55% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.59 | ||
| Debt/FCF | 5.21 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC9.43%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- BSRR shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 13.89%, which is quite good.
- The Earnings Per Share has been growing slightly by 3.82% on average over the past years.
- BSRR shows a small growth in Revenue. In the last year, the Revenue has grown by 2.84%.
- The Revenue has been growing slightly by 5.01% on average over the past years.
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.
- Based on estimates for the next years, BSRR will show a small growth in Revenue. The Revenue will grow by 3.56% on average per year.
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
- 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 decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 11.66, the valuation of BSRR can be described as reasonable.
- Based on the Price/Earnings ratio, BSRR is valued a bit cheaper than 61.62% of the companies in the same industry.
- Compared to an average S&P500 Price/Earnings ratio of 28.82, BSRR is valued rather cheaply.
- The Price/Forward Earnings ratio is 9.65, which indicates a very decent valuation of BSRR.
- Based on the Price/Forward Earnings ratio, BSRR is valued a bit cheaper than the industry average as 65.80% of the companies are valued more expensively.
- BSRR is valuated cheaply when we compare the Price/Forward Earnings ratio to 25.95, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.66 | ||
| Fwd PE | 9.65 |
4.2 Price Multiples
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of BSRR is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.99 | ||
| 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)1.21
PEG (5Y)3.05
EPS Next 2Y11.08%
EPS Next 3Y8.13%
5. Dividend
5.1 Amount
- BSRR has a Yearly Dividend Yield of 2.92%. Purely for dividend investing, there may be better candidates out there.
- Compared to an average industry Dividend Yield of 2.60, BSRR has a dividend in line with its industry peers.
- Compared to an average S&P500 Dividend Yield of 1.82, BSRR pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.92% |
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 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%
SIERRA BANCORP / BSRR 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.
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 11.66 and the Price/Book (PB) ratio is 1.24.
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%.