35.05 USD
0 (0%)
35.05 USD
0 (0%)
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 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.
- In the past 5 years BSRR has always been profitable.
- 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 69.45% of its industry peers.
- Looking at the Return On Equity, with a value of 11.05%, BSRR is in the better half of the industry, outperforming 74.93% of the companies in the same industry.
| 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 60.57% 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.
- Compared to 1 year ago, BSRR has less shares outstanding
- Compared to 5 years ago, BSRR has less shares outstanding
- 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.
- With a Debt to FCF ratio value of 5.21, BSRR is not doing good in the industry: 72.32% of the companies in the same industry are doing better.
- 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.59 | ||
| Debt/FCF | 5.21 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC9.36%
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
- 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.
- 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
- 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
- With a Price/Earnings ratio of 12.21, BSRR is valued correctly.
- BSRR's Price/Earnings ratio is in line with the industry average.
- BSRR's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.47.
- A Price/Forward Earnings ratio of 10.11 indicates a reasonable valuation of BSRR.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of BSRR indicates a somewhat cheap valuation: BSRR is cheaper than 60.57% of the companies listed 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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.21 | ||
| Fwd PE | 10.11 |
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 | 11.5 | ||
| 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)1.27
PEG (5Y)3.2
EPS Next 2Y11.08%
EPS Next 3Y8.13%
5. Dividend
5.1 Amount
- BSRR has a Yearly Dividend Yield of 2.85%. Purely for dividend investing, there may be better candidates out there.
- Compared to an average industry Dividend Yield of 2.88, BSRR has a dividend in line with its industry peers.
- Compared to an average S&P500 Dividend Yield of 1.87, BSRR pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.85% |
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.
- 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%
35.05
0 (0%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-27 2025-10-27/bmo
Earnings (Next)01-26 2026-01-26/bmo
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 Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.85% |
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 Rank | Sector 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 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
WACC9.36%
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%.