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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%
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%) (below 0%: weak)
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.

Target Price Range

Analyst price targets

Recommendation Rating

2.6
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
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

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
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.

Source: company filings (standardised) and stockrow calculations.

Sierra Bancorp (BSRR) Latest News

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stockrow.com/BSRR · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com