(BSRR) Sierra Bancorp - Overview
Stock: Deposits, Loans, Digital, Treasury
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 3.53% |
| Yield on Cost 5y | 5.07% |
| Yield CAGR 5y | 3.84% |
| Payout Consistency | 95.2% |
| Payout Ratio | 32.4% |
| 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: 42.3m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.00 > 0.02 and ΔFCF/TA -1.06 > 1.0 |
| NWC/Revenue: -437.2% < 20% (prev -1166 %; Δ 728.3% < -1%) |
| CFO/TA 0.01 > 3% & CFO 19.7m > Net Income 42.3m |
| Net Debt (-86.1m) to EBITDA (58.4m): -1.47 < 3 |
| Current Ratio: 0.57 > 1.5 & < 3 |
| Outstanding Shares: last quarter (13.4m) vs 12m ago -6.64% < -2% |
| Gross Margin: 77.10% > 18% (prev 0.70%; Δ 7640 % > 0.5%) |
| Asset Turnover: 4.97% > 50% (prev 5.29%; Δ -0.32% > 0%) |
| Interest Coverage Ratio: 1.11 > 6 (EBITDA TTM 58.4m / Interest Expense TTM 35.4m) |
Altman Z'' -0.97
| A: -0.21 (Total Current Assets 1.05b - Total Current Liabilities 1.86b) / Total Assets 3.83b |
| B: 0.07 (Retained Earnings 276.2m / Total Assets 3.83b) |
| C: 0.01 (EBIT TTM 39.2m / Avg Total Assets 3.72b) |
| D: 0.11 (Book Value of Equity 364.9m / Total Liabilities 3.40b) |
| Altman-Z'' Score: -0.97 = CCC |
What is the price of BSRR shares?
Over the past week, the price has changed by +2.02%, over one month by +10.12%, over three months by +29.55% and over the past year by +26.03%.
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 | 39.7 | 4.7% |
| Analysts Target Price | 39.7 | 4.7% |
| ValueRay Target Price | 43.9 | 16% |
BSRR Fundamental Data Overview February 09, 2026
P/E Forward = 11.4416
P/S = 3.4235
P/B = 1.3799
P/EG = 2.27
Revenue TTM = 184.8m USD
EBIT TTM = 39.2m USD
EBITDA TTM = 58.4m USD
Long Term Debt = 165.4m USD (from longTermDebt, two quarters ago)
Short Term Debt = 130.9m USD (from shortTermDebt, last quarter)
Debt = 49.5m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -86.1m USD (from netDebt column, last quarter)
Enterprise Value = -491.6m USD (510.7m + Debt 49.5m - CCE 1.05b)
Interest Coverage Ratio = 1.11 (Ebit TTM 39.2m / Interest Expense TTM 35.4m)
EV/FCF = -26.39x (Enterprise Value -491.6m / FCF TTM 18.6m)
FCF Yield = -3.79% (FCF TTM 18.6m / Enterprise Value -491.6m)
FCF Margin = 10.08% (FCF TTM 18.6m / Revenue TTM 184.8m)
Net Margin = 22.90% (Net Income TTM 42.3m / Revenue TTM 184.8m)
Gross Margin = 77.10% ((Revenue TTM 184.8m - Cost of Revenue TTM 42.3m) / Revenue TTM)
Gross Margin QoQ = none% (prev 68.49%)
Tobins Q-Ratio = -0.13 (set to none) (Enterprise Value -491.6m / Total Assets 3.83b)
Interest Expense / Debt = 24.19% (Interest Expense 12.0m / Debt 49.5m)
Taxrate = 24.75% (4.24m / 17.1m)
NOPAT = 29.5m (EBIT 39.2m * (1 - 24.75%))
Current Ratio = 0.57 (Total Current Assets 1.05b / Total Current Liabilities 1.86b)
Debt / Equity = 0.11 (Debt 49.5m / totalStockholderEquity, last quarter 433.8m)
Debt / EBITDA = -1.47 (Net Debt -86.1m / EBITDA 58.4m)
Debt / FCF = -4.63 (Net Debt -86.1m / FCF TTM 18.6m)
Total Stockholder Equity = 375.3m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.14% (Net Income 42.3m / Total Assets 3.83b)
RoE = 11.28% (Net Income TTM 42.3m / Total Stockholder Equity 375.3m)
RoCE = 7.25% (EBIT 39.2m / Capital Employed (Equity 375.3m + L.T.Debt 165.4m))
RoIC = 5.23% (NOPAT 29.5m / Invested Capital 564.3m)
WACC = 9.68% (E(510.7m)/V(560.2m) * Re(8.85%) + D(49.5m)/V(560.2m) * Rd(24.19%) * (1-Tc(0.25)))
Discount Rate = 8.85% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -4.34%
[DCF Debug] Terminal Value 73.26% ; FCFF base≈33.6m ; Y1≈35.7m ; Y5≈42.8m
Fair Price DCF = 48.61 (EV 559.1m - Net Debt -86.1m = Equity 645.2m / Shares 13.3m; r=9.68% [WACC]; 5y FCF grow 7.09% → 2.90% )
EPS Correlation: 68.13 | EPS CAGR: 19.97% | SUE: 1.95 | # QB: 1
Revenue Correlation: 63.03 | Revenue CAGR: 8.18% | SUE: -0.73 | # QB: 0
EPS next Quarter (2026-03-31): EPS=0.82 | Chg30d=+0.024 | Revisions Net=+5 | Analysts=4
EPS current Year (2026-12-31): EPS=3.60 | Chg30d=+0.198 | Revisions Net=+4 | Growth EPS=+15.7% | Growth Revenue=+5.2%
EPS next Year (2027-12-31): EPS=3.79 | Chg30d=+0.209 | Revisions Net=+0 | Growth EPS=+5.2% | Growth Revenue=+3.8%