SIERRA BANCORP (BSRR) Fundamental Analysis & Valuation

NASDAQ:BSRR • US82620P1021

Current stock price

33.65 USD
+0.34 (+1.02%)
At close:
33.65 USD
0 (0%)
After Hours:

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

  • In the past year BSRR was profitable.
  • In the past year BSRR had a positive cash flow from operations.
  • In the past 5 years BSRR has always 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

  • With a decent Return On Assets value of 1.11%, BSRR is doing good in the industry, outperforming 64.74% of the companies in the same industry.
  • BSRR has a Return On Equity of 11.60%. This is in the better half of the industry: BSRR outperforms 77.37% 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 62.11% 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.
  • Looking at the Debt to FCF ratio, with a value of 6.72, BSRR is doing worse than 74.47% of the companies in the same industry.
  • A Debt/Equity ratio of 0.59 indicates that BSRR is somewhat dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.59, BSRR is doing worse than 79.21% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.59
Debt/FCF 6.72
Altman-Z N/A
ROIC/WACCN/A
WACC9.62%
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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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. BSRR Growth Analysis

3.1 Past

  • BSRR shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 11.03%, which is quite good.
  • The Earnings Per Share has been growing slightly by 6.29% on average over the past years.
  • The Revenue has been growing slightly by 2.46% in the past 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

  • BSRR is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 11.12% yearly.
  • The Revenue is expected to grow by 4.06% on average over the next years.
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

  • 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 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

  • The Price/Earnings ratio is 10.79, which indicates a very decent valuation of BSRR.
  • Based on the Price/Earnings ratio, BSRR is valued a bit cheaper than the industry average as 64.47% of the companies are valued more expensively.
  • Compared to an average S&P500 Price/Earnings ratio of 24.75, BSRR is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 9.22, the valuation of BSRR can be described as reasonable.
  • Based on the Price/Forward Earnings ratio, BSRR is valued a bit cheaper than 68.42% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of BSRR to the average of the S&P500 Index (22.10), we can say BSRR is valued rather cheaply.
Industry RankSector Rank
PE 10.79
Fwd PE 9.22
BSRR Price Earnings VS Forward Price EarningsBSRR Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, BSRR is valued a bit more expensive than 60.00% of the companies in the same industry.
Industry RankSector Rank
P/FCF 13.8
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 low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.63
PEG (5Y)1.72
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

  • BSRR has a Yearly Dividend Yield of 3.10%.
  • BSRR's Dividend Yield is comparable with the industry average which is at 2.66.
  • Compared to an average S&P500 Dividend Yield of 1.89, BSRR pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.1%

5.2 History

  • The dividend of BSRR has a limited annual growth rate of 4.66%.
  • 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)4.66%
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 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 (3/30/2026, 8:00:02 PM)

After market: 33.65 0 (0%)

33.65

+0.34 (+1.02%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-02
Earnings (Next)04-27
Inst Owners58.24%
Inst Owner Change-0.22%
Ins Owners10.8%
Ins Owner Change4.3%
Market Cap443.84M
Revenue(TTM)155.28M
Net Income(TTM)42.33M
Analysts74.55
Price Target40.03 (18.96%)
Short Float %2.42%
Short Ratio3.99
Dividend
Industry RankSector Rank
Dividend Yield 3.1%
Yearly Dividend1
Dividend Growth(5Y)4.66%
DP32.45%
Div Incr Years1
Div Non Decr Years14
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)0%
PT rev (3m)18.49%
EPS NQ rev (1m)0%
EPS NQ rev (3m)3.08%
EPS NY rev (1m)1.22%
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 10.79
Fwd PE 9.22
P/S 2.86
P/FCF 13.8
P/OCF 13.17
P/B 1.22
P/tB 1.32
EV/EBITDA N/A
EPS(TTM)3.12
EY9.27%
EPS(NY)3.65
Fwd EY10.85%
FCF(TTM)2.44
FCFY7.25%
OCF(TTM)2.56
OCFY7.59%
SpS11.77
BVpS27.66
TBVpS25.58
PEG (NY)0.63
PEG (5Y)1.72
Graham Number44.07
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
WACC9.62%
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.


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 10.79 and the Price/Book (PB) ratio is 1.22.


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%.