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 ($526.7M and $514.0M). Sierra Bancorp trades at the lower P/E: 11.6× against 12.6×. Bank7 Corp. grew revenue faster over the last twelve months: −0.23% against −0.63%. Bank7 Corp. has the higher net margin (30.4% vs 22.4%) and the higher return on invested capital (78.0% vs 12.1%). Both pay a dividend; Sierra Bancorp yields more (4.96% vs 3.14%). Across the 20 metrics below, Bank7 Corp. leads on 13 and Sierra Bancorp on 7.

Valuation

Metric BSRR BSVN Banks Regional median
P/E 11.63 12.61 12.15
P/S 2.55 3.85 2.37
P/B 1.40 2.00 1.21
Price to free cash flow 11.34 10.81 10.80
EV/EBITDA n/m n/m —
EV/Sales 2.26 2.25 2.27
Earnings yield 8.60% 7.93% 8.11%
Free cash flow yield 8.82% 9.25% 8.98%

Profitability

Metric BSRR BSVN Banks Regional median
Gross margin 77.94% 71.17% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 22.37% 30.36% 18.66%
Free cash flow margin 22.46% 35.58% 21.18%
Return on equity 12.46% 16.85% 10.64%
Return on assets 1.20% 2.24% 1.13%
Return on invested capital 12.07% 77.98% 8.33%

Growth

Metric BSRR BSVN Banks Regional median
Revenue growth (TTM) (0.63%) (0.23%) 6.61%
EPS growth (last fiscal year) 10.28% (7.02%) —
Revenue growth, 5-year CAGR 8.17% 20.08% 12.30%
Net income growth, 5-year CAGR 3.61% 17.46% 9.71%

Health

Metric BSRR BSVN Banks Regional median
Debt to equity 0.23 0.00 0.22
Current ratio 0.80 1.11 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BSRR BSVN Banks Regional median
Dividend yield 4.96% 3.14% 3.75%
Payout ratio 0.38 0.16 0.27

Size

Metric BSRR BSVN Banks Regional median
Market cap 514.00m 526.68m 921.07m

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