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Sierra Bancorp

BSRR Financial Banks Regional

Sierra Bancorp’s revenue for fiscal 2025 (year ended December 2025) was $202.0 million, down 0.93% from fiscal 2024.

Revenue
−2.62%
EPS
+63.0%
Free cash flow
+41.0%
Total debt
+0.31%

Quarter to September 2026, against a year earlier

41.21 0.75 −1.79%
Market cap
$544.1M
P/E
10.8×
Fwd P/E
10.9×
Dividend yield
2.53%
F-score
7/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Sold, $m 3.20
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — — — — —
Sell 3 1 4 — — 4 — 1 — — 3 1
Insider Ownership 10.33%

Capital & Financial Ratios $m

Size
Market Cap 544.07
Revenue ttm 199.92
Net income ttm 50.61
Free cash flow ttm 51.24
Net debt Q (52.60)
Valuation
P/E 10.79
Forward P/E 10.90
Price / sales 2.68
Forward P/S Powerpack
Price / FCF 10.47
Price / book 1.48
Financial health
Current ratio Q 0.81
Debt / equity Q 0.24
Interest coverage Q —
Growth
Revenue growth Q −2.62% (below 0%: shrinking)
Operating income growth Q +55.73% (above 0%: growing)
EPS, this year +23.86% (at or above 15%: strong)
EPS, next year A +2.49%
Revenue, next year A −21.62% (below 0%: weak)
EPS, past 5 yrs +6.04%
EPS, next 5 yrs A +10.59%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 49.17%
10-year low 10-year high
P/S against its own 10 years 52.92%
10-year low 10-year high
P/B against its own 10 years 80.16%
10-year low 10-year high

Dividends

Yield
2.53%
Annual rate
1.06
Payout ratio
27.3%
Growth, 2018–26
+6.51%/yr
  1. 0.64 ’18
  2. 0.74 ’19 +16
  3. 0.80 ’20 +8
  4. 0.86 ’21 +7
  5. 0.92 ’22 +7
  6. 0.92 ’23 +0
  7. 0.94 ’24 +2
  8. 1.25 ’25 +33
  9. 1.06 ’26 −15
paid change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 79 101 136 138
Receivables — — — —
Inventory — — — —
Other — — — —
2,145 2,407 2,661 2,545
2023 2024 2025 Q'26
Payables 2,761 2,892 2,876 2,985
ST’ Debt — — — —
Other — — — —
3,229 3,081 3,310 3,150

Compound Annual Growth %

10y 5y 3y
Sales 9.65% 8.17% 9.80%
Cash Flow 1.62% (3.38%) 0.13%
Earnings 8.89% 3.61% 7.94%
Book Value 6.72% 1.19% 6.32%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 0.90 Actual 1.18

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 0.85 0.97 Beat by 0.12
Q1 FY26 0.82 0.96 Beat by 0.14
Q2 FY26 0.89 0.77 Miss by 0.12
Q3 FY26 0.90 1.18 Beat by 0.28
Q4 FY26 0.95 — Reports 1 February 2027

EPS $

Mar Jun Sep Dec Year
’26 0.96 0.77 1.18 — —
’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
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 49 50 51 — —
’25 48 51 52 51 202
’24 50 51 53 51 204
’23 44 49 50 50 194
’22 32 39 39 43 153
’21 36 35 35 35 141
’20 32 32 36 36 136
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 11 5 21 — —
’25 41 (36) 15 14 34
’24 7 1 27 22 57
’23 11 15 20 8 53
’22 9 5 19 0 34
’21 15 7 57 (26) 53
’20 10 11 5 13 40
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 12 5 21 — —
’25 40 (36) 15 14 32
’24 11 0 27 22 60
’23 10 15 19 28 72
’22 9 5 19 0 32
’21 15 6 58 (26) 54
’20 9 11 5 12 37
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

2.6
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 88 103 123 134 136 141 153 194 204 202 200 +9.7% 158 165 175 (4.7%)
Gross margin, % 96.21 94.91 92.50 89.90 96.03 97.13 92.00 73.79 74.34 76.88 78.49 (19.3) pt
EBT 26 33 40 48 47 57 45 46 54 56 67 +8.8%
EBT margin, % 30.05 32.31 32.13 35.50 34.11 40.52 29.44 24.01 26.42 27.90 33.47 (2.1) pt
Net income 18 20 30 36 35 43 34 35 41 42 51 +10.3%
Per share, $
Per share, $ Revenue 6.49 7.25 8.07 8.78 8.96 9.26 10.20 13.16 14.27 14.96 15.63 +9.7%
Earnings 1.30 1.38 1.94 2.35 2.33 2.82 2.25 2.37 2.84 3.14 3.89 +10.3%
Cash flow 1.15 2.87 1.99 3.05 2.63 3.45 2.24 3.62 4.00 2.50 4.06 +9.0%
Capex (0.26) (0.15) (0.20) (0.05) (0.19) 0.07 (0.08) 1.27 0.23 (0.11) (0.06) (9.2%)
Free cash flow 0.89 2.72 1.79 3.00 2.44 3.52 2.16 4.89 4.23 2.39 4.01 +11.6%
Book value 15.22 18.06 17.89 20.20 22.60 23.78 20.30 22.99 25.01 27.03 28.28 +6.6%
Shares, m 14 14 15 15 15 15 15 15 14 13 13 0.0%
Valuation, ×
Valuation, × P/E 20.52 19.21 12.39 12.39 10.27 9.59 9.58 9.63 10.18 10.41 10.79 12.4
P/S 4.08 3.68 2.98 3.32 2.67 2.93 2.10 1.73 2.03 2.18 2.68 2.8
P/B 1.74 1.48 1.34 1.44 1.06 1.14 1.06 0.99 1.16 1.21 1.48 1.3
EV/Sales 3.10 3.34 2.66 2.98 2.40 1.71 2.15 1.76 1.95 1.94 — 2.4
EV/FCF 22.69 8.90 11.98 8.72 8.83 4.48 10.17 4.73 6.57 12.14 — 9.9
Cash, $m
Cash, $m Operating cash flow 16 41 30 47 40 53 34 53 57 34 52 +9.0%
Capex (4) (2) (3) (1) (3) 1 (1) 19 3 (1) (1) (9.2%)
Free cash flow 12 39 27 46 37 54 32 72 60 32 51 +11.6%
Balance, $m
Balance, $m Working capital (392) (397) (390) (378) (293) (657) (1,067) (1,083) (673) (649) (605) +5.8%
Net debt (86) (36) (39) (45) (36) (173) 8 6 (15) (50) (53) (5.8%)
Shareholders’ equity 206 256 273 309 344 362 304 338 357 365 362 +6.6%
Returns, %
Returns, % ROA 0.92 0.89 1.22 1.41 1.22 1.31 0.96 0.95 1.10 1.14 1.37 +0.2 pt
ROIC 15.01 10.04 10.71 11.30 9.45 18.87 9.02 8.43 9.85 11.19 13.53 (3.8) pt
ROE 8.87 8.46 11.22 12.35 10.85 12.18 10.11 10.86 11.67 11.72 14.02 +2.8 pt
People
People Employees 497 576 556 513 512 492 488 532 488 469 — (0.6%)
Revenue/emp, $m 0.18 0.18 0.22 0.26 0.27 0.29 0.31 0.36 0.42 0.43 — +10.4%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 5 Nov 2026

Sierra Bancorp vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
BWB Bridgewater Bancshares, Inc. $567.9M 9.9× 10.2× +4.66% (above 0%: growing) +41.63% (above 0%: growing) +433.13% (above 0%: growing) 54.57% 0.00% Compare
BSVN Bank7 Corp. $556.7M 13.2× 16.2× −7.40% (below 0%: shrinking) −25.42% (below 0%: shrinking) +20.62% (above 0%: growing) 71.74% 0.00% Compare
NPB Northpointe Bancshares, Inc. $549.2M 6.8× 7.9× +11.60% (above 0%: growing) +17.31% (above 0%: growing) +105.45% (above 0%: growing) 49.88% 0.00% Compare
COFS ChoiceOne Financial Services, Inc. $548.6M 10.1× 9.9× −2.56% (below 0%: shrinking) −7.78% (below 0%: shrinking) +165.17% (above 0%: growing) 70.71% 0.00% Compare
CBAN Colony Bankcorp, Inc. $546.8M 12.1× 12.0× +23.45% (above 0%: growing) +10.87% (above 0%: growing) −48.88% (below 0%: shrinking) 72.54% 0.00% Compare
BSRR Sierra Bancorp $544.1M 10.8× 10.9× −2.62% (below 0%: shrinking) +63.01% (above 0%: growing) +41.03% (above 0%: growing) 79.16% 0.00%
PDLB Ponce Financial Group, Inc. $528.0M 11.3× 2.1× +20.72% (above 0%: growing) +188.89% (above 0%: growing) +1,603.44% (above 0%: growing) 59.70% 0.00% Compare
NRIM Northrim BanCorp Inc $524.3M 9.4× 9.5× −9.44% (below 0%: shrinking) −47.97% (below 0%: shrinking) −115.99% (below 0%: shrinking) 85.30% 0.00% Compare
WTBA West Bancorporation, Inc. $523.4M 12.9× 11.5× +1.00% (above 0%: growing) +24.04% (above 0%: growing) +44.69% (above 0%: growing) 56.06% 0.00% Compare
Median of peers $547.7M 10.7× 10.0× +2.83% +14.09% +75.07% 65.21% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 7 April 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 1.90m 2.01m 166.34
2024 1.40m 1.77m 142.14
2023 1.52m 1.59m 106.66
2022 1.42m 1.14m 95.70
2021 1.30m 1.41m 177.55

Ownership

Directors and executive officers, together 11.83%
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

Sierra Bancorp (BSRR) Latest News

29 Oct

Impact 3 · · Zacks

26 Oct

Impact 3 · · Simply Wall St.
Impact 3 · · Zacks
Impact 3 · · Zacks
Impact 3 · · Associated Press earnings

23 Oct

Impact 3 · · Zacks
Impact 3 · · Business Wire

19 Oct

Impact 3 · · Zacks

27 Jul

Impact 3 · · InvestorsHub
Impact 3 ·

27 Apr

Impact 4 · · Business Wire
Impact 3 · · Zacks
Impact 3 · · Zacks

18 Mar

Impact 4 · · Zacks

13 Feb

Impact 3 · · Zacks

6 Feb

Impact 4 · · Simply Wall St.

4 Feb

Impact 3 · · Zacks
Impact 3 · · TipRanks

3 Feb

Impact 3 · · Zacks
Impact 3 · · Simply Wall St.Simply Wall St.Associated Press FinanceZacksSimply Wall St.Simply Wall St.Simply Wall St.Simply Wall St.

2 Feb

Impact 4 · · Zacks
Impact 4 · · Associated Press Finance
Impact 4 · · Business Wire

31 Jan

Impact 3 · · TipRanks

30 Jan

Impact 3 · · Business WireMT NewswiresStockStoryZacks

23 Dec

Impact 4 · · Simply Wall St.

26 Nov

Impact 3 · · Simply Wall St.

30 Oct

Impact 3 · · Simply Wall St.

27 Oct

Impact 3 · · Simply Wall St.
Impact 3 ·
stockrow.com/BSRR · Data as of Nov 5, 2026 · For information only; not investment advice. · © 2026 stockrow.com