Saturday 17 October 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. In the quarter to June 2026, revenue fell 3.43%, EPS fell 1.28%, free cash flow grew 115.0% and total debt was flat, each against the same quarter a year earlier. Dividend growth for ten consecutive years; insiders bought in the last twelve months.
39.79
0.64
+1.63%
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| Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 | Dec '20 | Dec '19 | Dec '18 | Dec '17 | Dec '16 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
10.41 | 10.18 | 9.63 | 9.58 | 9.59 | 10.27 | 12.39 | 12.39 | 19.21 | 20.52 |
Piotroski F-Score |
7 | 8 | 7 | 5 | 5 | 7 | 7 | 7 | 6 | 4 |
P/S ratio |
2.18 | 2.03 | 1.73 | 2.10 | 2.93 | 2.67 | 3.32 | 2.98 | 3.68 | 4.08 |
P/FCF ratio |
13.70 | 6.83 | 4.65 | 9.93 | 7.70 | 9.81 | 9.70 | 13.42 | 9.82 | 29.86 |
P/Operating CF |
31.51 | 18.65 | 43.10 | 2,864.34 | (15.86) | 28.40 | 21.01 | 68.11 | 16.39 | (41.25) |
P/B ratio |
1.21 | 1.16 | 0.99 | 1.06 | 1.14 | 1.06 | 1.44 | 1.34 | 1.48 | 1.74 |
Price to Tangible BV |
1.31 | 1.25 | 1.08 | 1.17 | 1.25 | 1.17 | 1.61 | 1.53 | 1.70 | 1.84 |
EV/Sales |
1.94 | 1.95 | 1.76 | 2.15 | 1.71 | 2.40 | 2.98 | 2.66 | 3.34 | 3.10 |
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 |
11.60 | 6.96 | 6.39 | 9.78 | 4.57 | 8.19 | 8.57 | 10.75 | 8.43 | 17.46 |
EV/FCF |
12.14 | 6.57 | 4.73 | 10.17 | 4.48 | 8.83 | 8.72 | 11.98 | 8.90 | 22.69 |
Quick Ratio |
0.04 | 0.03 | 0.02 | 0.02 | 0.09 | 0.03 | 0.04 | 0.03 | 0.03 | 0.07 |
Current Ratio |
0.80 | 0.78 | 0.66 | 0.66 | 0.77 | 0.90 | 0.83 | 0.82 | 0.80 | 0.78 |
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 |
2.23% | 2.36% | 2.28% | 2.35% | 2.50% | 1.09% | 1.35% | 1.38% | 1.48% | 1.69% |
Debt/Equity |
0.23 | 0.24 | 0.25 | 0.28 | 0.23 | 0.10 | 0.11 | 0.13 | 0.14 | 0.17 |
Asset Turnover |
0.05 | 0.06 | 0.05 | 0.04 | 0.04 | 0.05 | 0.05 | 0.05 | 0.05 | 0.05 |
Operating CF/Net income |
0.80 | 1.41 | 1.53 | 1.00 | 1.22 | 1.13 | 1.30 | 1.03 | 2.08 | 0.89 |
Capex/Depreciation |
(0.32) | 0.57 | 2.76 | (0.17) | 0.11 | (0.28) | (0.07) | (0.25) | (0.18) | (0.36) |
| 11.72% | 11.67% | 10.86% | 10.11% | 12.18% | 10.85% | 12.35% | 11.22% | 8.46% | 8.87% | |
| 1.14% | 1.10% | 0.95% | 0.96% | 1.31% | 1.22% | 1.41% | 1.22% | 0.89% | 0.92% | |
ROIC |
11.19% | 9.85% | 8.43% | 9.02% | 18.87% | 9.45% | 11.30% | 10.71% | 10.04% | 15.01% |
Return on Tangible Assets |
(6.68%) | (6.17%) | (3.27%) | (3.22%) | (6.79%) | (13.35%) | (10.24%) | (8.23%) | (5.32%) | (4.83%) |
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 |
48.98% | 47.91% | 49.78% | 62.57% | 56.61% | 61.93% | 54.38% | 60.00% | 60.44% | 63.41% |
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 |
1.09% | 0.96% | 0.90% | 0.84% | 0.70% | 0.50% | 0.36% | 0.30% | 0.46% | 0.21% |
Graham Net Nets |
(1.82) | (2.06) | (3.73) | (3.73) | (1.88) | (1.00) | (1.01) | (1.23) | (1.22) | (1.26) |
Graham Number |
43.70 | 39.98 | 34.94 | 31.98 | 38.91 | 34.42 | 32.68 | 27.94 | 23.77 | 21.02 |
Earnings Yield |
9.61% | 9.82% | 10.39% | 10.44% | 10.42% | 9.74% | 8.07% | 8.07% | 5.21% | 4.87% |
Free Cash Flow Yield |
7.30% | 14.64% | 21.52% | 10.07% | 12.98% | 10.20% | 10.31% | 7.45% | 10.18% | 3.35% |
Revenue per Share |
14.96 | 14.27 | 13.16 | 10.20 | 9.26 | 8.96 | 8.78 | 8.07 | 7.25 | 6.49 |
Operating CF per Share |
2.50 | 4.00 | 3.62 | 2.24 | 3.45 | 2.63 | 3.05 | 1.99 | 2.87 | 1.15 |
Capex per Share |
(0.11) | 0.23 | 1.27 | (0.08) | 0.07 | (0.19) | (0.05) | (0.20) | (0.15) | (0.26) |
Free Cash Flow per Share |
2.39 | 4.23 | 4.89 | 2.16 | 3.52 | 2.44 | 3.00 | 1.79 | 2.72 | 0.89 |
Cash per Share |
10.05 | 7.05 | 5.34 | 5.16 | 16.90 | 4.69 | 5.23 | 4.86 | 4.95 | 8.90 |
Shareholders Equity per Share |
27.03 | 25.01 | 22.99 | 20.30 | 23.78 | 22.60 | 20.20 | 17.89 | 18.06 | 15.22 |
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 |
27.03 | 25.01 | 22.99 | 20.30 | 23.78 | 22.60 | 20.20 | 17.89 | 18.06 | 15.22 |
Free Cash Flow |
32.21 | 60.49 | 71.91 | 32.30 | 53.71 | 37.11 | 45.96 | 27.32 | 38.54 | 12.00 |
Working Capital |
(649.00) | (673.26) | (1,083.36) | (1,067.44) | (657.38) | (293.00) | (378.47) | (389.89) | (396.75) | (392.37) |
Capital Expenditures |
(1.50) | 3.34 | 18.66 | (1.27) | 1.06 | (2.92) | (0.77) | (3.12) | (2.14) | (3.59) |
Net Current Asset Value |
(803.42) | (849.70) | (1,246.22) | (1,198.12) | (777.39) | (363.20) | (448.92) | (450.57) | (462.67) | (450.80) |
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 |
0.01 | (0.02) | (0.10) | 0.01 | (0.01) | 0.02 | 0.01 | 0.03 | 0.02 | 0.04 |
Price to Operating Income |
7.83 | 7.67 | 7.19 | 7.14 | 7.23 | 7.82 | 9.34 | 9.16 | 10.69 | 12.44 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.32 | 0.38 | 0.40 | 0.33 | 0.42 | 0.38 | 0.39 | 0.42 | 0.40 | 0.35 |
Cash ROIC |
5.50% | 11.14% | 14.33% | 6.94% | 7.62% | 8.24% | 10.83% | 7.15% | 10.69% | 3.33% |
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 |
0.02 | 0.02 | 0.02 | 0.00 | 0.00 | 0.00 | 0.01 | 0.00 | 0.00 | 0.00 |
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 |
22,480.82 | 20,173.53 | 19,872.36 | 85,123.72 | 250,684.88 | 177,141.49 | 58,289.62 | 83,563.84 | 138,954.79 | 186,231.39 |
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 |
2,884.05 | 2,826.45 | 2,803.69 | 2,813.87 | 2,703.09 | 2,396.49 | 2,142.36 | 2,052.36 | 1,841.93 | 1,580.05 |
Average Assets |
3,721.78 | 3,672.04 | 3,669.19 | 3,489.80 | 3,295.88 | 2,907.28 | 2,558.16 | 2,431.40 | 2,186.59 | 1,914.71 |
Average Common Equity |
361.08 | 347.70 | 320.84 | 333.04 | 353.20 | 326.59 | 291.15 | 264.48 | 230.91 | 198.11 |
Columns are period end dates