Saturday 17 October 2026 Export BSRR’s income statement to Excel — free account

Sierra Bancorp

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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Market cap: $507.5M
P/E: 11.6×
Fwd P/E: 10.5×
Dividend yield: 2.61%
F-score: 7/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 0.01

Total sells 2.31

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	1	—	—	—	—	—	—	—	—	—	—	—
Sell	1	3	1	4	—	—	4	—	1	—	—	—

Insider Ownership 10.80%

Capital & Financial Ratios $m

Market Cap 507.52

Revenue 201.29

Net Income 45.03

Free Cash Flow 45.21

Net Debt (57.06)

Current Ratio 0.80

Debt/Equity 0.23

P/E ratio 11.60

Fwd P/E 10.50

P/S ratio 2.54

P/B ratio 1.39

Past 5Y EPS Growth 6.04%

This Y EPS Growth 14.53%

Next Y EPS Growth 6.63%

Next Y revenue growth (22.47%)

Next 5Y EPS Growth 8.30%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 57.13%

10-year low 10-year high

P/S against its own 10 years 46.48%

10-year low 10-year high

P/B against its own 10 years 74.12%

10-year low 10-year high

Dividends

Payout Ratio 0.30

Annual Dividend Rate 1.04

Annual Dividend Yield 2.61%

	total	individual payouts
2027	Powerpack
2026	1.06	0.26 0.26 0.27
2025	1.00	0.25 0.25 0.25 0.25 0.25
2024	0.94	0.23 0.23 0.24 0.24
2023	0.92	0.23 0.23 0.23 0.23
2022	0.92	0.23 0.23 0.23 0.23
2021	0.86	0.21 0.21 0.22 0.22
2020	0.80	0.20 0.20 0.20 0.20
2019	0.74	0.18 0.18 0.19 0.19
2018	0.64	0.16 0.16 0.16 0.16
2017	0.56	0.14 0.14 0.14 0.14
2016	0.48	0.12 0.12 0.12 0.12

predictions special payouts not included in total or ratios

Assets vs Liabilities $m

	2023	2024	2025	Q'26
Cash	79	101	136	143
Receivables	—	—	—	—
Inventory	—	—	—	—
Other	—	—	—	—
	2,145	2,407	2,661	2,575

	2023	2024	2025	Q'26
Payables	2,761	2,892	2,876	2,931
ST’ Debt	—	—	—	—
Other	—	—	—	—
	3,229	3,081	3,310	3,208

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%

Revenue $m

	Mar	Jun	Sep	Dec	Year
’26	49	50	—	—	—
’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	—	—	—
’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	—	—	—
’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.

EPS $

	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

Fiscal quarters ending in the months shown.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	15.61	23.10	22.94	22.68	13.05	21.48	19.62	15.01	17.69	22.42	Analyst estimates 2026–2028 Powerpack
	High	27.04	29.50	31.19	30.15	29.37	29.42	28.92	23.21	35.13	34.71
People
People	Employees	497	576	556	513	512	492	488	532	488	469
	Revenue/emp, $m	0.18	0.18	0.22	0.26	0.27	0.29	0.31	0.36	0.42	0.43
Income, $m
Income, $m	Revenue	88	103	123	134	136	141	153	194	204	202
	Gross margin, %	96.21	94.91	92.50	89.90	96.03	97.13	92.00	73.79	74.34	76.88
	EBT	26	33	40	48	47	57	45	46	54	56
	EBT margin, %	30.05	32.31	32.13	35.50	34.11	40.52	29.44	24.01	26.42	27.90
	Net income	18	20	30	36	35	43	34	35	41	42
	Depreciation	10	12	12	11	10	10	8	7	6	5
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
	Earnings	1.30	1.38	1.94	2.35	2.33	2.82	2.25	2.37	2.84	3.14
	Cash flow	1.15	2.87	1.99	3.05	2.63	3.45	2.24	3.62	4.00	2.50
	Capex	(0.26)	(0.15)	(0.20)	(0.05)	(0.19)	0.07	(0.08)	1.27	0.23	(0.11)
	Free cash flow	0.89	2.72	1.79	3.00	2.44	3.52	2.16	4.89	4.23	2.39
	Book value	15.22	18.06	17.89	20.20	22.60	23.78	20.30	22.99	25.01	27.03
	Shares, m	14	14	15	15	15	15	15	15	14	13
Valuation, ×
Valuation, ×	P/E	20.52	19.21	12.39	12.39	10.27	9.59	9.58	9.63	10.18	10.41
	P/S	4.08	3.68	2.98	3.32	2.67	2.93	2.10	1.73	2.03	2.18
	P/B	1.74	1.48	1.34	1.44	1.06	1.14	1.06	0.99	1.16	1.21
	EV/Sales	3.10	3.34	2.66	2.98	2.40	1.71	2.15	1.76	1.95	1.94
	EV/FCF	22.69	8.90	11.98	8.72	8.83	4.48	10.17	4.73	6.57	12.14
Cash, $m
Cash, $m	Operating cash flow	16	41	30	47	40	53	34	53	57	34
	Capex	(4)	(2)	(3)	(1)	(3)	1	(1)	19	3	(1)
	Free cash flow	12	39	27	46	37	54	32	72	60	32
Balance, $m
Balance, $m	Working capital	(392)	(397)	(390)	(378)	(293)	(657)	(1,067)	(1,083)	(673)	(649)
	Total debt	34	35	35	35	35	84	85	85	85	86
	Net debt	(86)	(36)	(39)	(45)	(36)	(173)	8	6	(15)	(50)
	Shareholders’ equity	206	256	273	309	344	362	304	338	357	365
Returns, %
Returns, %	ROA	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
	ROE	8.87	8.46	11.22	12.35	10.85	12.18	10.11	10.86	11.67	11.72

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
BSVN Bank7 Corp.	$528.6M	13.1×	10.1×	−7.40% (below 0%: shrinking)	−25.42% (below 0%: shrinking)	+20.62% (above 0%: growing)	71.74%	0.00%	Compare
BWFG Bankwell Financial Group, Inc.	$519.5M	12.1×	9.9×	+9.58% (above 0%: growing)	+33.62% (above 0%: growing)	+64.68% (above 0%: growing)	59.05%	0.00%	Compare
HBCP Home Bancorp, Inc.	$518.5M	10.9×	11.0×	+1.51% (above 0%: growing)	+1.36% (above 0%: growing)	+15.46% (above 0%: growing)	74.76%	0.00%	Compare
BSRR Sierra Bancorp	$507.5M	11.6×	10.5×	−3.43% (below 0%: shrinking)	−1.28% (below 0%: shrinking)	+114.97% (above 0%: growing)	78.74%	0.00%
WTBA West Bancorporation, Inc.	$493.3M	12.9×	9.3×	+1.39% (above 0%: growing)	+38.30% (above 0%: growing)	+10.26% (above 0%: growing)	55.06%	0.00%	Compare
OBT Orange County Bancorp, Inc.	$492.5M	10.5×	10.3×	−16.27% (below 0%: shrinking)	+17.24% (above 0%: growing)	+491.65% (above 0%: growing)	81.95%	0.00%	Compare
COFS ChoiceOne Financial Services, Inc.	$492.3M	9.1×	8.8×	−2.56% (below 0%: shrinking)	−7.78% (below 0%: shrinking)	+165.17% (above 0%: growing)	70.71%	0.00%	Compare
PDLB Ponce Financial Group, Inc.	$488.1M	14.2×	1.8×	+10.97% (above 0%: growing)	+38.46% (above 0%: growing)	+35.79% (above 0%: growing)	59.40%	0.00%	Compare
FMAO Farmers & Merchants Bancorp Inc.	$483.7M	12.2×	10.0×	+7.70% (above 0%: growing)	+53.57% (above 0%: growing)	+2,792.25% (above 0%: growing)	67.25%	0.00%	Compare
Median of peers	$492.9M	12.2×	9.9×	+1.45%	+25.43%	+50.24%	68.98%	0.00%

All 323 Banks Regional stocks →

Sierra Bancorp (BSRR) key facts

Concern: Sierra Bancorp’s revenue for fiscal 2025 (year ended December 2025) was $202.0 million, down 0.93% from fiscal 2024.
Strength: Net income was $42.3 million, or $3.14 per share (basic), a net margin of 21.0%.
Sierra Bancorp (BSRR) is a Banks Regional company in the Financial sector, listed on Nasdaq.
As of October 16, 2026, BSRR traded at $39.79, a market capitalization of $507.5 million.
At that price the stock trades at 11.6× trailing-twelve-month earnings and 2.5× sales; its P/E is higher than 57% of its own readings over the past ten years.
Sierra Bancorp pays an annual dividend of $1.04 per share, a yield of 2.61%, with a payout ratio of 30.4%.
Return on equity was 11.7% and debt-to-equity 0.23.
Its Piotroski F-score is 7 out of 9 for fiscal 2025.