(BSRR) Sierra Bancorp - Overview
Stock: Deposits, Loans, Digital, Treasury
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 3.53% |
| Yield on Cost 5y | 3.77% |
| Yield CAGR 5y | 3.84% |
| Payout Consistency | 95.2% |
| Payout Ratio | 34.8% |
| Risk 5d forecast | |
|---|---|
| Volatility | 35.5% |
| Relative Tail Risk | -14.5% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.66 |
| Alpha | 7.46 |
| Character TTM | |
|---|---|
| Beta | 0.796 |
| Beta Downside | 0.888 |
| Drawdowns 3y | |
|---|---|
| Max DD | 29.07% |
| CAGR/Max DD | 0.93 |
Description: BSRR Sierra Bancorp December 28, 2025
Sierra Bancorp (NASDAQ:BSRR) is the holding company for Bank of the Sierra, a community-bank focused on retail and commercial banking in California. The institution offers a full suite of deposit products-including checking, savings, money-market, time deposits, retirement and sweep accounts-and a diversified loan portfolio that spans agricultural, commercial, consumer, real-estate, construction, and mortgage financing.
Key operating metrics as of the latest quarter (Q3 2024) show a net interest margin of roughly 4.2%, a loan-to-deposit ratio near 78%, and deposit growth of about 5% year-over-year, reflecting modest resilience amid a tightening monetary environment. The bank’s exposure to California’s agricultural sector is a double-edged driver: strong commodity prices boost loan performance, but drought risk and water-policy constraints remain material tail-risk factors.
Given the broader regional-bank landscape-characterized by higher funding costs, pressure on credit quality, and a gradual shift toward digital banking-analysts should monitor BSRR’s efficiency ratio and its adoption of online lending platforms for signs of competitive positioning. For a deeper quantitative view, the ValueRay platform offers a granular breakdown of BSRR’s risk metrics and peer comparisons.
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income: 39.8m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.06 > 1.0 |
| NWC/Revenue: -1279 % < 20% (prev -1253 %; Δ -25.86% < -1%) |
| CFO/TA 0.01 > 3% & CFO 41.9m > Net Income 39.8m |
| Net Debt (273.8m) to EBITDA (54.5m): 5.02 < 3 |
| Current Ratio: 0.22 > 1.5 & < 3 |
| Outstanding Shares: last quarter (13.7m) vs 12m ago -4.61% < -2% |
| Gross Margin: 69.63% > 18% (prev 0.67%; Δ 6897 % > 0.5%) |
| Asset Turnover: 5.11% > 50% (prev 4.85%; Δ 0.26% > 0%) |
| Interest Coverage Ratio: 1.08 > 6 (EBITDA TTM 54.5m / Interest Expense TTM 48.1m) |
Altman Z'' -3.83
| A: -0.65 (Total Current Assets 692.4m - Total Current Liabilities 3.11b) / Total Assets 3.71b |
| B: 0.07 (Retained Earnings 276.2m / Total Assets 3.71b) |
| C: 0.01 (EBIT TTM 51.8m / Avg Total Assets 3.70b) |
| D: 0.11 (Book Value of Equity 355.0m / Total Liabilities 3.35b) |
| Altman-Z'' Score: -3.83 = D |
Beneish M -3.21
| DSRI: 0.75 (Receivables 16.0m/20.3m, Revenue 189.3m/179.4m) |
| GMI: 0.96 (GM 69.63% / 66.53%) |
| AQI: 1.04 (AQ_t 0.80 / AQ_t-1 0.77) |
| SGI: 1.05 (Revenue 189.3m / 179.4m) |
| TATA: -0.00 (NI 39.8m - CFO 41.9m) / TA 3.71b) |
| Beneish M-Score: -3.21 (Cap -4..+1) = AA |
What is the price of BSRR shares?
Over the past week, the price has changed by +6.98%, over one month by +13.04%, over three months by +28.23% and over the past year by +21.88%.
Is BSRR a buy, sell or hold?
- StrongBuy: 1
- Buy: 0
- Hold: 4
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the BSRR price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 33.9 | -10.6% |
| Analysts Target Price | 33.9 | -10.6% |
| ValueRay Target Price | 43.5 | 14.8% |
BSRR Fundamental Data Overview January 31, 2026
P/E Forward = 11.4416
P/S = 3.2498
P/B = 1.2936
P/EG = 2.27
Revenue TTM = 189.3m USD
EBIT TTM = 51.8m USD
EBITDA TTM = 54.5m USD
Long Term Debt = 165.4m USD (from longTermDebt, last quarter)
Short Term Debt = 180.7m USD (from shortTermDebt, last quarter)
Debt = 369.3m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 273.8m USD (from netDebt column, last quarter)
Enterprise Value = 146.4m USD (469.5m + Debt 369.3m - CCE 692.4m)
Interest Coverage Ratio = 1.08 (Ebit TTM 51.8m / Interest Expense TTM 48.1m)
EV/FCF = 3.61x (Enterprise Value 146.4m / FCF TTM 40.5m)
FCF Yield = 27.68% (FCF TTM 40.5m / Enterprise Value 146.4m)
FCF Margin = 21.41% (FCF TTM 40.5m / Revenue TTM 189.3m)
Net Margin = 21.02% (Net Income TTM 39.8m / Revenue TTM 189.3m)
Gross Margin = 69.63% ((Revenue TTM 189.3m - Cost of Revenue TTM 57.5m) / Revenue TTM)
Gross Margin QoQ = 68.49% (prev 72.95%)
Tobins Q-Ratio = 0.04 (Enterprise Value 146.4m / Total Assets 3.71b)
Interest Expense / Debt = 3.24% (Interest Expense 12.0m / Debt 369.3m)
Taxrate = 23.64% (3.00m / 12.7m)
NOPAT = 39.6m (EBIT 51.8m * (1 - 23.64%))
Current Ratio = 0.22 (Total Current Assets 692.4m / Total Current Liabilities 3.11b)
Debt / Equity = 1.03 (Debt 369.3m / totalStockholderEquity, last quarter 360.1m)
Debt / EBITDA = 5.02 (Net Debt 273.8m / EBITDA 54.5m)
Debt / FCF = 6.76 (Net Debt 273.8m / FCF TTM 40.5m)
Total Stockholder Equity = 356.2m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.07% (Net Income 39.8m / Total Assets 3.71b)
RoE = 11.17% (Net Income TTM 39.8m / Total Stockholder Equity 356.2m)
RoCE = 9.93% (EBIT 51.8m / Capital Employed (Equity 356.2m + L.T.Debt 165.4m))
RoIC = 7.14% (NOPAT 39.6m / Invested Capital 553.9m)
WACC = 6.04% (E(469.5m)/V(838.8m) * Re(8.85%) + D(369.3m)/V(838.8m) * Rd(3.24%) * (1-Tc(0.24)))
Discount Rate = 8.85% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -3.18%
[DCF Debug] Terminal Value 86.36% ; FCFF base≈39.6m ; Y1≈42.1m ; Y5≈50.5m
Fair Price DCF = 85.49 (EV 1.43b - Net Debt 273.8m = Equity 1.15b / Shares 13.5m; r=6.04% [WACC]; 5y FCF grow 7.09% → 2.90% )
EPS Correlation: 53.82 | EPS CAGR: 3.62% | SUE: -0.67 | # QB: 0
Revenue Correlation: 78.23 | Revenue CAGR: 12.31% | SUE: 0.96 | # QB: 2
EPS next Quarter (2026-03-31): EPS=0.80 | Chg30d=+0.000 | Revisions Net=+5 | Analysts=5
EPS next Year (2026-12-31): EPS=3.40 | Chg30d=+0.000 | Revisions Net=+4 | Growth EPS=+13.1% | Growth Revenue=+3.9%