| Nov 25 | Feb 26 | May 26 | Aug 26 | |||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Buy | — | 1 | — | — | — | — | — | — | — | — | — | — |
| Sell | — | 1 | 3 | 1 | 4 | — | — | 4 | — | 1 | — | — |
| total | individual payouts | |
|---|---|---|
| 2027 | ‡‡‡‡‡ |
|
| 2026 | 1.06 |
—
—
—
|
| 2025 | 1.00 |
—
—
—
—
—
|
| 2024 | 0.94 |
—
—
—
—
|
| 2023 | 0.92 |
—
—
—
—
|
| 2022 | 0.92 |
—
—
—
—
|
| 2021 | 0.86 |
—
—
—
—
|
| 2020 | 0.80 |
—
—
—
—
|
| 2019 | 0.74 |
—
—
—
—
|
| 2018 | 0.64 |
—
—
—
—
|
| 2017 | 0.56 |
—
—
—
—
|
| 2016 | 0.48 |
—
—
—
—
|
| 2023 | 2024 | 2025 | Q'26 | |
|---|---|---|---|---|
| Cash | 78.60 | 100.66 | 135.63 | 142.70 |
| Receivables | — | — | — | — |
| Inventory | — | — | — | — |
| Other | — | — | — | — |
| 2,145.49 | 2,407.27 | 2,660.99 | 2,575.16 |
| 2023 | 2024 | 2025 | Q'26 | |
|---|---|---|---|---|
| Payables | 2,761.22 | 2,891.67 | 2,876.44 | 2,930.99 |
| ST’ Debt | — | — | — | — |
| Other | — | — | — | — |
| 3,228.84 | 3,080.53 | 3,309.99 | 3,208.36 |
| 10y | 5y | 3y | |
| Sales | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
| Cash Flow | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
| Earnings | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
| Book Value | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
| Mar | Jun | Sep | Dec | Year | |
|---|---|---|---|---|---|
| ’26 | 49.17 | 49.51 | — | — |
—
|
| ’25 | 48.10 | 51.27 | 52.00 | 50.62 |
201.98
|
| ’24 | 49.55 | 51.13 | 52.59 | 50.61 |
203.87
|
| ’23 | 44.00 | 48.89 | 50.15 | 50.49 |
193.52
|
| ’22 | 32.14 | 38.65 | 38.54 | 43.26 |
152.59
|
| ’21 | 36.29 | 34.70 | 35.16 | 35.00 |
141.16
|
| ’20 | 32.16 | 32.29 | 36.15 | 35.80 |
136.39
|
| Mar | Jun | Sep | Dec | Year | |
|---|---|---|---|---|---|
| ’26 | 11.07 | 5.48 | — | — |
—
|
| ’25 | 40.63 | (35.86) | 14.94 | 14.00 |
33.71
|
| ’24 | 6.98 | 0.62 | 27.41 | 22.15 |
57.15
|
| ’23 | 10.53 | 15.33 | 19.63 | 7.75 |
53.25
|
| ’22 | 9.40 | 4.98 | 19.08 | 0.11 |
33.57
|
| ’21 | 14.68 | 6.62 | 57.44 | (26.08) |
52.66
|
| ’20 | 10.29 | 11.47 | 5.45 | 12.82 |
40.03
|
| Mar | Jun | Sep | Dec | Year | |
|---|---|---|---|---|---|
| ’26 | 11.50 | 5.44 | — | — |
—
|
| ’25 | 40.24 | (36.31) | 14.70 | 13.58 |
32.21
|
| ’24 | 11.13 | 0.20 | 27.29 | 21.87 |
60.49
|
| ’23 | 10.14 | 15.02 | 19.24 | 27.50 |
71.91
|
| ’22 | 9.14 | 4.68 | 18.74 | (0.26) |
32.30
|
| ’21 | 14.61 | 6.41 | 58.43 | (25.74) |
53.71
|
| ’20 | 8.58 | 11.39 | 5.32 | 11.82 |
37.11
|
| Mar | Jun | Sep | Dec | Year | |
|---|---|---|---|---|---|
| ’26 | 0.96 | 0.77 | — | — |
—
|
| ’25 | 0.65 | 0.78 | 0.72 | 0.97 |
3.11
|
| ’24 | 0.64 | 0.71 | 0.74 | 0.72 |
2.82
|
| ’23 | 0.58 | 0.67 | 0.68 | 0.43 |
2.36
|
| ’22 | 0.49 | 0.61 | 0.66 | 0.47 |
2.25
|
| ’21 | 0.72 | 0.76 | 0.69 | 0.63 |
2.80
|
| ’20 | 0.51 | 0.54 | 0.67 | 0.58 |
2.32
|
| 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 | 2028 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ‡‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 19.62 | 15.01 | 17.69 | 22.42 | — | — | — |
Low Price
|
| ‡‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 28.92 | 23.21 | 35.13 | 34.71 | — | — | — |
High Price
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 488 | 532 | 488 | 469 | — | — | — |
Employees
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 0.31 | 0.36 | 0.42 | 0.43 | — | — | — |
Revenue/Emp
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 152.59 | 193.52 | 203.87 | 201.98 | ‡‡‡‡‡ | ‡‡‡‡‡ | — |
Revenue
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 92.00% | 73.79% | 74.34% | 76.88% | — | — | — |
Gross Margin
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 44.92 | 46.46 | 53.87 | 56.34 | — | — | — |
EBT
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 29.44% | 24.01% | 26.42% | 27.90% | ‡‡‡ | ‡‡‡ | — |
EBT Margin
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 33.66 | 34.84 | 40.56 | 42.33 | ‡‡‡‡‡ | ‡‡‡‡‡ | — |
Net Income
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 7.51 | 6.77 | 5.83 | 4.76 | — | — | — |
Depreciation
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 10.20 | 13.16 | 14.27 | 14.96 | ‡‡‡‡‡ | ‡‡‡‡‡ | — |
Revenue/Sh
|
| ‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | 2.25 | 2.37 | 2.84 | 3.14 | ‡‡‡‡‡ | ‡‡‡‡‡ | — |
Earnings/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 2.24 | 3.62 | 4.00 | 2.50 | — | — | — |
Cash Flow/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (0.08) | 1.27 | 0.23 | (0.11) | ‡‡‡ | ‡‡‡ | — |
Capex/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 2.16 | 4.89 | 4.23 | 2.39 | — | — | — |
Free CF/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 20.30 | 22.99 | 25.01 | 27.03 | — | — | — |
Book Value/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 14.96 | 14.71 | 14.28 | 13.50 | ‡‡‡‡‡ | ‡‡‡‡‡ | — |
Shares
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 9.58 | 9.63 | 10.18 | 10.41 | ‡‡‡‡ | ‡‡‡‡ | — |
PE Ratio
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 2.10 | 1.73 | 2.03 | 2.18 | ‡‡‡ | ‡‡‡ | — |
PS Ratio
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 1.06 | 0.99 | 1.16 | 1.21 | ‡‡‡ | ‡‡‡ | — |
PB Ratio
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 4.31 | 3.48 | 3.58 | 3.58 | ‡‡‡‡ | ‡‡‡‡ | — |
EV/Sales
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 20.38 | 9.35 | 12.06 | 22.45 | — | — | — |
EV/FCF
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 33.57 | 53.25 | 57.15 | 33.71 | ‡‡‡ | ‡‡‡ | — |
Op' Cash Flow
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (1.27) | 18.66 | 3.34 | (1.50) | — | — | — |
Capex
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 32.30 | 71.91 | 60.49 | 32.21 | — | — | — |
FCF
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (1,067.44) | (1,083.36) | (673.26) | (649.00) | — | — | — |
Working Cap'
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 414.70 | 84.96 | 85.23 | 85.50 | — | — | — |
Total Debt
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 337.56 | 6.36 | (15.43) | (50.13) | — | — | — |
Net Debt
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 303.58 | 338.10 | 357.30 | 364.86 | — | — | — |
Sh' Equity
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 0.96% | 0.95% | 1.10% | 1.14% | — | — | — |
ROA
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 4.38% | 8.43% | 9.85% | 11.19% | — | — | — |
ROIC
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 10.11% | 10.86% | 11.67% | 11.72% | — | — | — |
ROE
|
Sierra Bancorp (BSRR) has shown remarkable resilience and strategic foresight in navigating the financial landscape, with a strong growth trajectory in revenue and profitability over the past decade. The company’s revenue surged from $80 million in 2015 to $193 million in 2023, highlighting its expanding market presence and efficient use of human resources. Despite a recent dip in the Earnings Before Tax (EBT) margin, Sierra Bancorp’s ability to manage operational costs and optimize profit margins remains evident, although maintaining cost efficiencies could pose a challenge moving forward.
The stock price of Sierra Bancorp reflects both internal performance and external market conditions, with a stable Price-to-Earnings (PE) ratio suggesting consistent earnings potential. The stock’s current valuation, trading close to its book value, presents a potential value investment opportunity. However, insider transactions reveal a cautious stance, with significant sell-offs by high-ranking executives and no recent insider buys, possibly indicating uncertainties in the broader economic environment or specific sector challenges.
Looking to the future, Sierra Bancorp is poised for continued growth, with projected revenue and net income increases suggesting a positive outlook. The company’s strategic initiatives, including customer base expansion and digital banking enhancements, are expected to drive top-line performance and profitability, potentially delivering enhanced shareholder returns. While insider transactions and stock price movements require careful consideration, Sierra Bancorp’s strong fundamentals and favorable analyst outlook provide a solid foundation for future success.
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