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Sierra Bancorp logo

Sierra Bancorp

BSRR

NASDAQFinancial ServicesBanks - Regional

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$39.92

+$0.25 · +0.63%

Aug 21, 4:00 PM ET

BSRR company overview

Historical prices · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

75

Undervalued

Momentum

52

Neutral

Sentiment

61

Bullish

Risk resilience

78

Moderate Risk

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Thesis, catalysts, evidence, and risk analysis.

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AI-generated, informational only, and not investment advice.

Company profile

Company website

Sierra Bancorp serves as the holding company for Bank of the Sierra, providing a full suite of retail and commercial banking services to individuals and businesses across California. The institution offers diverse deposit solutions, including checking, savings, money market, time deposits, retirement, and sweep accounts. Its lending portfolio encompasses agricultural, commercial, consumer, real estate, construction, and mortgage loans. Additionally, the company facilitates access to automated teller machines (ATMs), electronic point-of-sale payment options, online and automated telephone banking, and business-focused services such as remote deposit capture and automated payroll. As of December 31, 2021, Sierra Bancorp operated 35 full-service branches, an online branch, a loan production office, an agricultural credit center, and an SBA center. Founded in 1977, its corporate headquarters are located in Porterville, California.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
US
CEO
Kevin J. McPhaill
Listed since
Apr 18, 1994
Employees
452

Market position

Day range

Current $39.92

52-week range

Current $39.92

Open
$39.87
Previous close
$39.67
Volume
111.94K
1.77× average
Average volume
63.3K
Average daily volume
Market cap
522.12M USD
Beta
0.76
Market reference 1
50-day average
$40.7632
-2.07% below average
200-day average
$36.2388
+10.16% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
824.49M USD
P/E (TTM)
11.6×
P/B (TTM)
1.41×
P/S (TTM)
2.62×
EV / EBITDA
13.96×
Earnings yield
9.60%
Free cash flow yield
7.29%
Dividend yield
2.61%

Profitability & efficiency

Gross margin
75.15%
Operating margin
30.09%
Net margin
22.63%
Return on equity
11.60%
Return on assets
1.11%
Return on invested capital
4.45%

Financial health

Debt / equity
0.57×
Current ratio
0.19×
Altman Z-score
-0.34
Piotroski F-score
8 of 9

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends108%76%44%13%Gross margin, FY2021: 99.70%Gross margin, FY2022: 83.99%Gross margin, FY2023: 67.77%Gross margin, FY2024: 70.12%Gross margin, FY2025: 73.86%Operating margin, FY2021: 43.52%Operating margin, FY2022: 31.52%Operating margin, FY2023: 27.51%Operating margin, FY2024: 28.18%Operating margin, FY2025: 27.92%Net margin, FY2021: 32.73%Net margin, FY2022: 23.62%Net margin, FY2023: 20.63%Net margin, FY2024: 21.22%Net margin, FY2025: 20.96%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 99.70%. Gross margin FY2022 83.99%. Gross margin FY2023 67.77%. Gross margin FY2024 70.12%. Gross margin FY2025 73.86%. Operating margin FY2021 43.52%. Operating margin FY2022 31.52%. Operating margin FY2023 27.51%. Operating margin FY2024 28.18%. Operating margin FY2025 27.92%. Net margin FY2021 32.73%. Net margin FY2022 23.62%. Net margin FY2023 20.63%. Net margin FY2024 21.22%. Net margin FY2025 20.96%.

Income trends

Revenue

201.98M USD+5.67%

Operating income

56.4M USD+4.69%

Net income

42.33M USD+4.36%
Income trends across reported periods218.81M USD151.48M USD84.15M USD16.83M USDRevenue, FY2021: 131.43M USDRevenue, FY2022: 142.49M USDRevenue, FY2023: 168.93M USDRevenue, FY2024: 191.14M USDRevenue, FY2025: 201.98M USDOperating income, FY2021: 57.2M USDOperating income, FY2022: 44.92M USDOperating income, FY2023: 46.46M USDOperating income, FY2024: 53.87M USDOperating income, FY2025: 56.4M USDNet income, FY2021: 43.01M USDNet income, FY2022: 33.66M USDNet income, FY2023: 34.84M USDNet income, FY2024: 40.56M USDNet income, FY2025: 42.33M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 131.43M USD. Revenue FY2022 142.49M USD. Revenue FY2023 168.93M USD. Revenue FY2024 191.14M USD. Revenue FY2025 201.98M USD. Operating income FY2021 57.2M USD. Operating income FY2022 44.92M USD. Operating income FY2023 46.46M USD. Operating income FY2024 53.87M USD. Operating income FY2025 56.4M USD. Net income FY2021 43.01M USD. Net income FY2022 33.66M USD. Net income FY2023 34.84M USD. Net income FY2024 40.56M USD. Net income FY2025 42.33M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue201.98M USD191.14M USD168.93M USD142.49M USD131.43M USD
Cost of goods sold52.8M USD57.11M USD54.44M USD22.81M USD400K USD
Gross profit149.18M USD134.03M USD114.48M USD119.68M USD131.03M USD
Selling, general, and administrative65.12M USD51.76M USD53.19M USD48.78M USD43.95M USD
Operating expenses92.84M USD80.16M USD68.02M USD74.77M USD73.83M USD
Interest income171.39M USD172.35M USD163.12M USD121.82M USD113.08M USD
Interest expense46.7M USD52.32M USD50.72M USD12.2M USD4.05M USD
Depreciation and amortization2.65M USD2.88M USD3.23M USD3.54M USD4.27M USD
Operating income56.4M USD53.87M USD46.46M USD44.92M USD57.2M USD
Net income42.33M USD40.56M USD34.84M USD33.66M USD43.01M USD

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
55%
6 beats, 4 misses, 1 met estimate
Average EPS surprise
+1.44%
11 comparable reports
Latest EPS result
0.77
Estimate 0.89 · Miss by 13.68%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates1.010.880.740.61Q1 '25MetQ2 '25MissQ3 '25BeatQ4 '25MissQ1 '26BeatQ2 '26BeatQ3 '26MissQ4 '26Estimate
Q1 2025, reported Jan 27, 2025: actual 0.72, estimate 0.72, surprise 0.00%, Met estimate. Q2 2025, reported Apr 28, 2025: actual 0.65, estimate 0.66, surprise -1.52%, Miss. Q3 2025, reported Jul 28, 2025: actual 0.78, estimate 0.74, surprise +5.41%, Beat. Q4 2025, reported Oct 27, 2025: actual 0.72, estimate 0.79, surprise -8.86%, Miss. Q1 2026, reported Feb 2, 2026: actual 0.97, estimate 0.85, surprise +14.12%, Beat. Q2 2026, reported Apr 27, 2026: actual 0.96, estimate 0.82, surprise +17.07%, Beat. Q3 2026, reported Jul 27, 2026: actual 0.77, estimate 0.892, surprise -13.68%, Miss. Q4 2026, reported Oct 26, 2026: actual —, estimate 0.9, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates46.39M41.87M37.36M32.84MQ1 '25BeatQ2 '25MissQ3 '25MissQ4 '25MissQ1 '26MissQ2 '26MissQ3 '26MissQ4 '26Estimate
Q1 2025, reported Jan 27, 2025: actual 44.6M USD, estimate 38.83M USD, surprise +14.88%, Beat. Q2 2025, reported Apr 28, 2025: actual 34.63M USD, estimate 38.4M USD, surprise -9.82%, Miss. Q3 2025, reported Jul 28, 2025: actual 36.98M USD, estimate 39.31M USD, surprise -5.93%, Miss. Q4 2025, reported Oct 27, 2025: actual 37.72M USD, estimate 40.04M USD, surprise -5.79%, Miss. Q1 2026, reported Feb 2, 2026: actual 39.29M USD, estimate 40.04M USD, surprise -1.87%, Miss. Q2 2026, reported Apr 27, 2026: actual 38.58M USD, estimate 39.68M USD, surprise -2.78%, Miss. Q3 2026, reported Jul 27, 2026: actual 38.98M USD, estimate 39.59M USD, surprise -1.53%, Miss. Q4 2026, reported Oct 26, 2026: actual —, estimate 39.25M USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Analyst price target

Average target

$39.00

2.30% downside
Past 12 months12-month forecastHigh $39.00Average $39.00Low $39.00

Rating distribution

9 ratings
Strong buy00%
Buy111%
Hold889%
Sell00%
Strong sell00%

Recent analyst actions

4 institutions

BSRR news

zacks.com

Is the Options Market Predicting a Spike in Sierra Bancorp Stock?

Investors need to pay close attention to BSRR stock based on the movements in the options market lately.

Read source
defenseworld.net

Sierra Bancorp $BSRR Shares Purchased by Arrowstreet Capital Limited Partnership

Arrowstreet Capital Limited Partnership boosted its holdings in Sierra Bancorp (NASDAQ: BSRR) by 19.2% during the undefined quarter, according to its most recent disclosure with the Securities and Exchange Commission…

Read source
zacks.com

Compared to Estimates, Sierra Bancorp (BSRR) Q2 Earnings: A Look at Key Metrics

While the top- and bottom-line numbers for Sierra Bancorp (BSRR) give a sense of how the business performed in the quarter ended June 2026, it could be worth looking at how some of its key metrics compare to Wall Street…

Read source
zacks.com

Sierra Bancorp (BSRR) Lags Q2 Earnings and Revenue Estimates

Sierra Bancorp (BSRR) came out with quarterly earnings of $0.77 per share, missing the Zacks Consensus Estimate of $0.89 per share. This compares to earnings of $0.78 per share a year ago.

Read source
businesswire.com

Sierra Bancorp Reports Financial Results for Second Quarter and First Six Months of 2026

PORTERVILLE, Calif.--(BUSINESS WIRE)--Sierra Bancorp Reports Financial Results for Second Quarter and First Six Months of 2026.

Read source
gurufocus.com

Sierra Bancorp Announces 4% Increase in Quarterly Cash Dividend

Sierra Bancorp (Nasdaq: BSRR), parent of Bank of the Sierra, announced that its Board of Directors has declared a regular quarterly cash dividend of $0.27 per

Read source

Corporate actions

Annual dividends per share

Cash distributions grouped by calendar year; partial years are marked.

$1.00

2025 complete year+16.3% since 2021

2026 partial: $0.79

* Partial calendar year in the available dividend history.

Corporate action history

Dividend

Ex-dividend Aug 3, 2026

$0.27

Quarterly

Record Aug 3, 2026 · Payment Aug 10, 2026

Dividend

Ex-dividend May 4, 2026

$0.26

Quarterly

Record May 4, 2026 · Payment May 11, 2026

Dividend

Ex-dividend Feb 9, 2026

$0.26

Quarterly

Record Feb 9, 2026 · Payment Feb 17, 2026

Dividend

Ex-dividend Nov 3, 2025

$0.25

Quarterly

Record Nov 3, 2025 · Payment Nov 14, 2025

Dividend

Ex-dividend Aug 4, 2025

$0.25

Quarterly

Record Aug 4, 2025 · Payment Aug 14, 2025

Dividend

Ex-dividend May 5, 2025

$0.25

Quarterly

Record May 5, 2025 · Payment May 15, 2025

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ETFs holding BSRR

Funds reporting this stock among their holdings, ordered by reported position size.

Vanguard Morningstar Total Stock Market ETF logoVanguard Morningstar Total Stock Market ETFVTI
Market value
15.44M
Weight
0.00%
AUM
2.3T USD
Expense ratio
0.03%
Price / 1D
$378.24+0.44%
Avantis U.S. Small Cap Value ETF logoAvantis U.S. Small Cap Value ETFAVUV
Market value
13.71M
Weight
0.04%
AUM
31.27B USD
Expense ratio
0.25%
Price / 1D
$126.45+0.66%
iShares Russell 2000 ETF logoiShares Russell 2000 ETFIWM
Market value
13.33M
Weight
0.02%
AUM
81.62B USD
Expense ratio
0.19%
Price / 1D
$299.96+0.77%
Vanguard Extended Market ETF logoVanguard Extended Market ETFVXF
Market value
5.56M
Weight
0.01%
AUM
93.7B USD
Expense ratio
0.05%
Price / 1D
$245.53+0.82%
iShares Russell 2000 Value ETF logoiShares Russell 2000 Value ETFIWN
Market value
4.84M
Weight
0.03%
AUM
14.66B USD
Expense ratio
0.24%
Price / 1D
$224.81+0.45%
Dimensional - US Targeted Value ETF logoDimensional - US Targeted Value ETFDFAT
Market value
3.55M
Weight
0.02%
AUM
14.66B USD
Expense ratio
0.28%
Price / 1D
$71.67+0.67%
Fidelity Enhanced Small Cap ETF logoFidelity Enhanced Small Cap ETFFESM
Market value
3.42M
Weight
0.05%
AUM
6.03B USD
Expense ratio
0.28%
Price / 1D
$47.94+0.80%
EA Bridgeway Omni Small-Cap Value ETF logoEA Bridgeway Omni Small-Cap Value ETFBSVO
Market value
3.27M
Weight
0.13%
AUM
1.71B USD
Expense ratio
0.47%
Price / 1D
$29.62+0.85%

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