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Friday 6 November 2026
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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
41.31
0.65
−1.55%
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| Dec '16 | Dec '17 | Dec '18 | Dec '19 | Dec '20 | Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
20.52 | 19.21 | 12.39 | 12.39 | 10.27 | 9.59 | 9.58 | 9.63 | 10.18 | 10.41 |
Piotroski F-Score |
4 | 6 | 7 | 7 | 7 | 5 | 5 | 7 | 8 | 7 |
P/S ratio |
4.08 | 3.68 | 2.98 | 3.32 | 2.67 | 2.93 | 2.10 | 1.73 | 2.03 | 2.18 |
P/FCF ratio |
29.86 | 9.82 | 13.42 | 9.70 | 9.81 | 7.70 | 9.93 | 4.65 | 6.83 | 13.70 |
P/Operating CF |
(41.25) | 16.39 | 68.11 | 21.01 | 28.40 | (15.86) | 2,864.34 | 43.10 | 18.65 | 31.51 |
P/B ratio |
1.74 | 1.48 | 1.34 | 1.44 | 1.06 | 1.14 | 1.06 | 0.99 | 1.16 | 1.21 |
Price to Tangible BV |
1.84 | 1.70 | 1.53 | 1.61 | 1.17 | 1.25 | 1.17 | 1.08 | 1.25 | 1.31 |
EV/Sales |
3.10 | 3.34 | 2.66 | 2.98 | 2.40 | 1.71 | 2.15 | 1.76 | 1.95 | 1.94 |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
17.46 | 8.43 | 10.75 | 8.57 | 8.19 | 4.57 | 9.78 | 6.39 | 6.96 | 11.60 |
EV/FCF |
22.69 | 8.90 | 11.98 | 8.72 | 8.83 | 4.48 | 10.17 | 4.73 | 6.57 | 12.14 |
Quick Ratio |
0.07 | 0.03 | 0.03 | 0.04 | 0.03 | 0.09 | 0.02 | 0.02 | 0.03 | 0.04 |
Current Ratio |
0.78 | 0.80 | 0.82 | 0.83 | 0.90 | 0.77 | 0.66 | 0.66 | 0.78 | 0.80 |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
1.69% | 1.48% | 1.38% | 1.35% | 1.09% | 2.50% | 2.35% | 2.28% | 2.36% | 2.23% |
Debt/Equity |
0.17 | 0.14 | 0.13 | 0.11 | 0.10 | 0.23 | 0.28 | 0.25 | 0.24 | 0.23 |
Asset Turnover |
0.05 | 0.05 | 0.05 | 0.05 | 0.05 | 0.04 | 0.04 | 0.05 | 0.06 | 0.05 |
Operating CF/Net income |
0.89 | 2.08 | 1.03 | 1.30 | 1.13 | 1.22 | 1.00 | 1.53 | 1.41 | 0.80 |
Capex/Depreciation |
(0.36) | (0.18) | (0.25) | (0.07) | (0.28) | 0.11 | (0.17) | 2.76 | 0.57 | (0.32) |
| 8.87% | 8.46% | 11.22% | 12.35% | 10.85% | 12.18% | 10.11% | 10.86% | 11.67% | 11.72% | |
| 0.92% | 0.89% | 1.22% | 1.41% | 1.22% | 1.31% | 0.96% | 0.95% | 1.10% | 1.14% | |
ROIC |
15.01% | 10.04% | 10.71% | 11.30% | 9.45% | 18.87% | 9.02% | 8.43% | 9.85% | 11.19% |
Return on Tangible Assets |
(4.83%) | (5.32%) | (8.23%) | (10.24%) | (13.35%) | (6.79%) | (3.22%) | (3.27%) | (6.17%) | (6.68%) |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
63.41% | 60.44% | 60.00% | 54.38% | 61.93% | 56.61% | 62.57% | 49.78% | 47.91% | 48.98% |
Intangible Assets out of Total Assets |
0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
Share Based Compensation of Revenue |
0.21% | 0.46% | 0.30% | 0.36% | 0.50% | 0.70% | 0.84% | 0.90% | 0.96% | 1.09% |
Graham Net Nets |
(1.26) | (1.22) | (1.23) | (1.01) | (1.00) | (1.88) | (3.73) | (3.73) | (2.06) | (1.82) |
Graham Number |
21.02 | 23.77 | 27.94 | 32.68 | 34.42 | 38.91 | 31.98 | 34.94 | 39.98 | 43.70 |
Earnings Yield |
4.87% | 5.21% | 8.07% | 8.07% | 9.74% | 10.42% | 10.44% | 10.39% | 9.82% | 9.61% |
Free Cash Flow Yield |
3.35% | 10.18% | 7.45% | 10.31% | 10.20% | 12.98% | 10.07% | 21.52% | 14.64% | 7.30% |
Revenue per Share |
6.49 | 7.25 | 8.07 | 8.78 | 8.96 | 9.26 | 10.20 | 13.16 | 14.27 | 14.96 |
Operating CF per Share |
1.15 | 2.87 | 1.99 | 3.05 | 2.63 | 3.45 | 2.24 | 3.62 | 4.00 | 2.50 |
Capex per Share |
(0.26) | (0.15) | (0.20) | (0.05) | (0.19) | 0.07 | (0.08) | 1.27 | 0.23 | (0.11) |
Free Cash Flow per Share |
0.89 | 2.72 | 1.79 | 3.00 | 2.44 | 3.52 | 2.16 | 4.89 | 4.23 | 2.39 |
Cash per Share |
8.90 | 4.95 | 4.86 | 5.23 | 4.69 | 16.90 | 5.16 | 5.34 | 7.05 | 10.05 |
Shareholders Equity per Share |
15.22 | 18.06 | 17.89 | 20.20 | 22.60 | 23.78 | 20.30 | 22.99 | 25.01 | 27.03 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
15.22 | 18.06 | 17.89 | 20.20 | 22.60 | 23.78 | 20.30 | 22.99 | 25.01 | 27.03 |
Free Cash Flow |
12.00 | 38.54 | 27.32 | 45.96 | 37.11 | 53.71 | 32.30 | 71.91 | 60.49 | 32.21 |
Working Capital |
(392.37) | (396.75) | (389.89) | (378.47) | (293.00) | (657.38) | (1,067.44) | (1,083.36) | (673.26) | (649.00) |
Capital Expenditures |
(3.59) | (2.14) | (3.12) | (0.77) | (2.92) | 1.06 | (1.27) | 18.66 | 3.34 | (1.50) |
Net Current Asset Value |
(450.80) | (462.67) | (450.57) | (448.92) | (363.20) | (777.39) | (1,198.12) | (1,246.22) | (849.70) | (803.42) |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.04 | 0.02 | 0.03 | 0.01 | 0.02 | (0.01) | 0.01 | (0.10) | (0.02) | 0.01 |
Price to Operating Income |
12.44 | 10.69 | 9.16 | 9.34 | 7.82 | 7.23 | 7.14 | 7.19 | 7.67 | 7.83 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.35 | 0.40 | 0.42 | 0.39 | 0.38 | 0.42 | 0.33 | 0.40 | 0.38 | 0.32 |
Cash ROIC |
3.33% | 10.69% | 7.15% | 10.83% | 8.24% | 7.62% | 6.94% | 14.33% | 11.14% | 5.50% |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.00 | 0.00 | 0.00 | 0.01 | 0.00 | 0.00 | 0.00 | 0.02 | 0.02 | 0.02 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
186,231.39 | 138,954.79 | 83,563.84 | 58,289.62 | 177,141.49 | 250,684.88 | 85,123.72 | 19,872.36 | 20,173.53 | 22,480.82 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
1,580.05 | 1,841.93 | 2,052.36 | 2,142.36 | 2,396.49 | 2,703.09 | 2,813.87 | 2,803.69 | 2,826.45 | 2,884.05 |
Average Assets |
1,914.71 | 2,186.59 | 2,431.40 | 2,558.16 | 2,907.28 | 3,295.88 | 3,489.80 | 3,669.19 | 3,672.04 | 3,721.78 |
Average Common Equity |
198.11 | 230.91 | 264.48 | 291.15 | 326.59 | 353.20 | 333.04 | 320.84 | 347.70 | 361.08 |
Columns are period end dates · fundamentals updated 6 Nov 2026