Sierra Bancorp (BSRR) vs Bank7 Corp. (BSVN)

Sierra Bancorp and Bank7 Corp. are both Banks Regional companies. Sierra Bancorp and Bank7 Corp. are of similar size ($556.7M and $544.1M). Sierra Bancorp trades at the lower P/E: 10.8× against 13.2×. Bank7 Corp. grew revenue faster over the last twelve months: −0.23% against −1.01%. Bank7 Corp. has the higher net margin (30.4% vs 25.3%) and the higher return on invested capital (78.0% vs 13.5%). Both pay a dividend; Sierra Bancorp yields more (2.53% vs 1.90%). Across the 19 metrics below, Bank7 Corp. leads on 10 and Sierra Bancorp on 9.

Valuation

Metric BSRR BSVN Banks Regional median
P/E 10.79 13.17 12.02
P/S 2.68 4.02 2.36
P/B 1.48 2.09 1.23
Price to free cash flow 10.47 11.29 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 9.27% 7.59% 8.21%
Free cash flow yield 9.55% 8.86% 9.23%

Profitability

Metric BSRR BSVN Banks Regional median
Gross margin 78.49% 71.17% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 25.32% 30.36% 18.82%
Free cash flow margin 25.63% 35.58% 17.97%
Return on equity 14.02% 16.85% 10.28%
Return on assets 1.37% 2.24% 1.13%
Return on invested capital 13.53% 77.98% 8.45%

Growth

Metric BSRR BSVN Banks Regional median
Revenue growth (TTM) (1.01%) (0.23%) 6.37%
EPS growth (last fiscal year) 10.28% (7.02%) 18.85%
Revenue growth, 5-year CAGR 8.17% 20.08% 12.65%
Net income growth, 5-year CAGR 3.61% 17.46% 9.81%

Health

Metric BSRR BSVN Banks Regional median
Debt to equity 0.24 0.00 0.17
Current ratio 0.81 1.11 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BSRR BSVN Banks Regional median
Dividend yield 2.53% 1.90% 2.49%
Payout ratio 0.27 0.25 0.29

Size

Metric BSRR BSVN Banks Regional median
Market cap 544.07m 556.69m 934.85m

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