34.01 USD
-0.28 (-0.82%)
34.01 USD
0 (0%)
Taking everything into account, BSRR scores 4 out of 10 in our fundamental rating. BSRR was compared to 387 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 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.
In the past year BSRR had a positive cash flow from operations.
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 has a Return On Assets of 1.07%. This is in the better half of the industry: BSRR outperforms 68.99% of its industry peers.
BSRR's Return On Equity of 11.05% is fine compared to the rest of the industry. BSRR outperforms 74.68% 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 Profit Margin of 25.87%. This is in the better half of the industry: BSRR outperforms 60.98% 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
The number of shares outstanding for BSRR has been reduced compared to 5 years ago.
BSRR has a worse debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of BSRR is 5.21, which is a neutral value as it means it would take BSRR, 5.21 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 5.21, BSRR is not doing good in the industry: 72.35% of the companies in the same industry are doing better.
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 78.29% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.59 | ||
| Debt/FCF | 5.21 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC9.44%
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.
BSRR shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 3.82% yearly.
The Revenue has been growing slightly by 2.84% in the past year.
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
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 Year3.19%
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.
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
With a Price/Earnings ratio of 11.85, the valuation of BSRR can be described as very reasonable.
BSRR's Price/Earnings ratio is a bit cheaper when compared to the industry. BSRR is cheaper than 61.24% of the companies in the same industry.
BSRR's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.59.
Based on the Price/Forward Earnings ratio of 9.81, the valuation of BSRR can be described as reasonable.
62.27% of the companies in the same industry are more expensive than BSRR, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.80, BSRR is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.85 | ||
| Fwd PE | 9.81 |
4.2 Price Multiples
BSRR's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.16 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
BSRR's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.23
PEG (5Y)3.1
EPS Next 2Y11.08%
EPS Next 3Y8.13%
5. Dividend
5.1 Amount
BSRR has a Yearly Dividend Yield of 3.09%. Purely for dividend investing, there may be better candidates out there.
BSRR's Dividend Yield is comparable with the industry average which is at 3.11.
Compared to an average S&P500 Dividend Yield of 2.31, BSRR pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.09% |
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
34.68% of the earnings are spent on dividend by BSRR. This is a low number and 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%
34.01
-0.28 (-0.82%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners58.21%
Inst Owner Change-1.96%
Ins Owners10.58%
Ins Owner Change0.61%
Market Cap452.33M
Revenue(TTM)153.85M
Net Income(TTM)39.80M
Analysts74.55
Price Target33.41 (-1.76%)
Short Float %1.32%
Short Ratio4.21
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.09% |
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)0.77%
PT rev (3m)0.38%
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)0.02%
Revenue NY rev (3m)0.37%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.85 | ||
| Fwd PE | 9.81 | ||
| P/S | 2.94 | ||
| P/FCF | 11.16 | ||
| P/OCF | 10.81 | ||
| P/B | 1.26 | ||
| P/tB | 1.36 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.87
EY8.44%
EPS(NY)3.47
Fwd EY10.2%
FCF(TTM)3.05
FCFY8.96%
OCF(TTM)3.15
OCFY9.25%
SpS11.57
BVpS27.07
TBVpS25.01
PEG (NY)1.23
PEG (5Y)3.1
Graham Number41.81
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
WACC9.44%
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 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.