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Sierra Bancorp (BSRR) vs Bridgewater Bancshares, Inc. (BWB)

Sierra Bancorp and Bridgewater Bancshares, Inc. are both Banks Regional companies. Sierra Bancorp and Bridgewater Bancshares, Inc. are of similar size ($567.9M and $544.1M). Bridgewater Bancshares, Inc. trades at the lower P/E: 9.9× against 10.8×. Bridgewater Bancshares, Inc. grew revenue faster over the last twelve months: 9.93% against −1.01%. Sierra Bancorp has the higher net margin (25.3% vs 18.0%) and the higher return on invested capital (13.5% vs 6.36%). Across the 18 metrics below, Bridgewater Bancshares, Inc. leads on 11 and Sierra Bancorp on 7.

Valuation

Metric BSRR BWB Banks Regional median
P/E 10.79 9.86 12.02
P/S 2.68 1.82 2.36
P/B 1.48 1.19 1.23
Price to free cash flow 10.47 7.66 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 9.27% 10.14% 8.21%
Free cash flow yield 9.55% 13.06% 9.23%

Profitability

Metric BSRR BWB Banks Regional median
Gross margin 78.49% 54.54% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 25.32% 17.96% 18.82%
Free cash flow margin 25.63% 23.74% 17.97%
Return on equity 14.02% 12.30% 10.28%
Return on assets 1.37% 1.02% 1.13%
Return on invested capital 13.53% 6.36% 8.45%

Growth

Metric BSRR BWB Banks Regional median
Revenue growth (TTM) (1.01%) 9.93% 6.37%
EPS growth (last fiscal year) 10.28% 44.66% 18.85%
Revenue growth, 5-year CAGR 8.17% 19.40% 12.65%
Net income growth, 5-year CAGR 3.61% 9.10% 9.81%

Health

Metric BSRR BWB Banks Regional median
Debt to equity 0.24 0.93 0.17
Current ratio 0.81 1.06 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BSRR BWB Banks Regional median
Dividend yield 2.53% — 2.49%
Payout ratio 0.27 — 0.29

Size

Metric BSRR BWB Banks Regional median
Market cap 544.07m 567.85m 934.85m

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