Symbols / BSRR Stock $36.56 +1.33% Sierra Bancorp

Financial Services • Banks - Regional • United States • NMS
BSRR (Stock) Chart
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Stock Fundamentals
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Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. Kevin J. McPhaill
Exch · Country NMS · United States
Market Cap 478.69M
Enterprise Value 714.79M
Income 45.75M
Sales 153.05M
FCF (ttm) —
Book/sh 28.13
Cash/sh 12.09
Employees 436
Insider 10d —
IPO Apr 18, 1994
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 29.53%
P/E 10.69
Forward P/E 9.43
PEG 1.43
P/S 3.13
P/B 1.30
P/C —
EV/EBITDA —
EV/Sales 4.67
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) 3.42
EPS next Y 3.88
EPS Growth 47.70%
Revenue Growth 11.20%
EPS Gr Q/Q 37.60%
Rev Gr Q/Q —
Earnings (next) 2026-07-27
Earnings (prior) 2026-04-27
ROA 1.24%
ROE 12.79%
ROIC —
Gross Margin 0.00%
Oper. Margin 43.39%
Profit Margin 29.89%
Shs Outstand 13.09M
Shs Float 11.52M
Insider Own 10.75%
Instit Own 58.94%
Short Float 2.43%
Short Ratio 6.12
Short Interest 284.23K
52W High 38.60
vs 52W High -5.28%
52W Low 26.16
vs 52W Low 39.76%
Beta 0.76
Impl. Vol. 55.42%
Rel Volume 0.35
Avg Volume 56.03K
Volume 19.57K
Target (mean) $40.25
Tgt Median $39.50
Tgt Low $38.00
Tgt High $44.00
# Analysts 4
Recom Hold
Prev Close $36.08
Price $36.56
Change 1.33%
About

Sierra Bancorp operates as the bank holding company for Bank of the Sierra that provides retail and commercial banking products and services to individuals and businesses in California. It accepts various deposit products, such as checking accounts, savings accounts, money market demand accounts, time deposits, retirement accounts, and sweep accounts. The company's loan products include real estate, commercial, mortgage warehouse, agricultural, and consumer loans. It also offers automated teller machines; electronic point-of-sale payment alternatives; multiple account access options; online account opening platform; online banking with bill-pay and mobile banking capabilities, including mobile check deposit; online lending solutions for consumers and small businesses; customer service center services; an automated telephone banking system; and remote deposit capture and payroll services. Sierra Bancorp was founded in 1977 and is headquartered in Porterville, California.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$40.25
Mean price target
2. Current target
$36.56
Latest analyst target
3. DCF / Fair value
$51.30
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$36.56
Low
$38.00
High
$44.00
Mean
$40.25

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-04-28 main DA Davidson Buy → Buy $44
2026-04-02 main Piper Sandler Neutral → Neutral $34
2026-02-03 main DA Davidson Buy → Buy $44
2025-10-29 main Keefe, Bruyette & Woods Market Perform → Market Perform $33
2025-10-28 main DA Davidson Buy → Buy $36
2025-04-30 main Keefe, Bruyette & Woods Market Perform → Market Perform $31
2025-04-29 main DA Davidson Buy → Buy $36
2024-12-04 main Keefe, Bruyette & Woods Market Perform → Market Perform $35
2024-07-23 main Keefe, Bruyette & Woods Market Perform → Market Perform $29
2024-05-15 down Janney Montgomery Scott Buy → Neutral —
2024-04-23 up Janney Montgomery Scott Neutral → Buy $23
2024-04-23 main Keefe, Bruyette & Woods Market Perform → Market Perform $23
2023-07-25 main Keefe, Bruyette & Woods Market Perform → Market Perform $22
2023-04-25 up DA Davidson Neutral → Buy $20
2023-04-25 main Keefe, Bruyette & Woods — → Market Perform $20
2023-01-31 down Hovde Group Outperform → Market Perform $24
2022-11-14 down Keefe, Bruyette & Woods Outperform → Market Perform $24
2022-07-07 down Raymond James Outperform → Market Perform —
2022-04-26 main Raymond James — → Outperform $28
2022-01-25 down Janney Montgomery Scott Buy → Neutral —
News
RSS: Latest BSRR news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-02-17 BERRA ALBERT L Director — 5,000 $17.25 $86,250
2026-02-13 CASTLE JULIE G Director — 250 $37.52 $9,380
2026-02-12 MCPHAILL KEVIN J Chief Executive Officer — 13,204 $0.00 $0
2026-02-12 OLAGUE MICHAEL W Officer — 6,950 $0.00 $0
2026-02-12 BOYLE HUGH F. Officer — 5,368 $0.00 $0
2026-02-12 COEN NATALIA M Officer — 4,868 $0.00 $0
2026-02-12 TREECE CHRISTOPHER G Chief Financial Officer — 6,950 $0.00 $0
2026-02-10 MCPHAILL KEVIN J Chief Executive Officer — 20,000 $36.94 $747,145
2026-02-10 MCPHAILL KEVIN J Chief Executive Officer — 20,000 $27.11 $549,850
2026-02-05 CASTLE JULIE G Director — 750 $37.90 $28,450
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
146.49
+5.53%
138.82
+17.48%
118.16
-9.31%
130.29
Operating Revenue
146.49
+5.53%
138.82
+17.48%
118.16
-9.31%
130.29
Selling General And Administration
52.58
+1.59%
51.76
-2.69%
53.19
+9.04%
48.78
Selling And Marketing Expense
1.53
+7.31%
1.42
-35.80%
2.21
+28.18%
1.73
General And Administrative Expense
51.06
+1.43%
50.34
-1.25%
50.98
+8.34%
47.05
Salaries And Wages
51.06
+1.43%
50.34
-1.25%
50.98
+8.34%
47.05
Other Gand A
—
—
—
1.56
Reconciled Depreciation
2.65
-8.02%
2.88
-10.86%
3.23
-8.60%
3.54
Total Unusual Items
-0.05
-101.37%
3.78
-75.23%
15.27
+190975.00%
-0.01
Total Unusual Items Excluding Goodwill
-0.05
-101.37%
3.78
-75.23%
15.27
+190975.00%
-0.01
Special Income Charges
-0.05
-101.37%
3.78
-75.23%
15.27
+190975.00%
-0.01
Other Special Charges
0.05
+101.37%
-3.78
+75.23%
-15.27
-190975.00%
0.01
Restructuring And Mergern Acquisition
—
—
—
—
Net Income
42.33
+4.36%
40.56
+16.40%
34.84
+3.52%
33.66
Pretax Income
56.34
+4.59%
53.87
+15.93%
46.46
+3.45%
44.91
Net Interest Income
124.69
+3.88%
120.03
+6.78%
112.41
+2.55%
109.61
Interest Expense
46.70
-10.74%
52.32
+3.16%
50.72
+315.57%
12.20
Interest Income
171.39
-0.56%
172.35
+5.66%
163.12
+33.90%
121.82
Gain On Sale Of Security
0.12
+104.10%
-2.92
+79.68%
-14.39
-1170.26%
1.34
Tax Provision
14.02
+5.32%
13.31
+14.53%
11.62
+3.23%
11.26
Tax Rate For Calcs
0.00
+0.69%
0.00
-1.20%
0.00
-0.20%
0.00
Tax Effect Of Unusual Items
-0.01
-101.38%
0.93
-75.52%
3.82
+190594.16%
-0.00
Net Income Including Noncontrolling Interests
42.33
+4.36%
40.56
+16.40%
34.84
+3.52%
33.66
Net Income From Continuing Operation Net Minority Interest
42.33
+4.36%
40.56
+16.40%
34.84
+3.52%
33.66
Net Income From Continuing And Discontinued Operation
42.33
+4.36%
40.56
+16.40%
34.84
+3.52%
33.66
Net Income Continuous Operations
42.33
+4.36%
40.56
+16.40%
34.84
+3.52%
33.66
Normalized Income
42.37
+12.34%
37.71
+61.21%
23.39
-30.51%
33.66
Net Income Common Stockholders
42.33
+4.36%
40.56
+16.40%
34.84
+3.52%
33.66
Diluted EPS
—
2.82
+19.49%
2.36
+4.89%
2.25
Basic EPS
—
2.84
+19.83%
2.37
+5.33%
2.25
Basic Average Shares
—
14.28
-2.87%
14.71
-1.67%
14.96
Diluted Average Shares
—
14.40
-2.32%
14.74
-1.68%
14.99
Diluted NI Availto Com Stockholders
42.33
+4.36%
40.56
+16.40%
34.84
+3.52%
33.66
Occupancy And Equipment
12.54
+1.31%
12.37
+21.79%
10.16
+4.55%
9.72
Other Non Interest Expense
13.36
-2.13%
13.65
-6.77%
14.64
+10.92%
13.20
Professional Expense And Contract Services Expense
5.52
-10.31%
6.16
+16.34%
5.29
+72.92%
3.06
Line Item Trend 2023-12-31
Total Assets
3,729.80
Cash And Cash Equivalents
78.60
Cash Financial
73.72
Other Short Term Investments
1,019.20
Receivables
20.35
Accounts Receivable
20.35
Net PPE
16.91
Gross PPE
47.17
Accumulated Depreciation
-30.26
Land And Improvements
2.69
Buildings And Improvements
11.92
Machinery Furniture Equipment
17.86
Construction In Progress
—
Leases
14.70
Goodwill And Other Intangible Assets
28.76
Goodwill
27.36
Other Intangible Assets
1.40
Investments And Advances
1,358.01
Long Term Equity Investment
4.36
Total Liabilities Net Minority Interest
3,391.70
Current Debt And Capital Lease Obligation
150.50
Current Debt
150.50
Other Current Borrowings
150.50
Long Term Debt And Capital Lease Obligation
164.96
Long Term Debt
164.96
Long Term Provisions
0.51
Stockholders Equity
338.10
Common Stock Equity
338.10
Capital Stock
110.45
Common Stock
110.45
Share Issued
14.79
Ordinary Shares Number
14.79
Treasury Shares Number
0.00
Additional Paid In Capital
4.58
Retained Earnings
259.05
Gains Losses Not Affecting Retained Earnings
-35.98
Other Equity Adjustments
-35.98
Total Equity Gross Minority Interest
338.10
Total Capitalization
503.06
Invested Capital
653.56
Total Debt
315.46
Net Debt
236.86
Net Tangible Assets
309.34
Tangible Book Value
309.34
Available For Sale Securities
14.39
Cash Cash Equivalents And Federal Funds Sold
78.60
Held To Maturity Securities
320.06
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
33.70
-41.03%
57.15
+7.34%
53.24
+58.60%
33.57
Cash Flow From Continuing Operating Activities
33.70
-41.03%
57.15
+7.34%
53.24
+58.60%
33.57
Net Income From Continuing Operations
42.33
+4.36%
40.56
+16.40%
34.84
+3.52%
33.66
Depreciation Amortization Depletion
2.65
-8.02%
2.88
-10.86%
3.23
-8.60%
3.54
Depreciation
2.08
-0.76%
2.10
-10.87%
2.36
-7.10%
2.54
Amortization Cash Flow
0.57
-27.53%
0.78
-10.84%
0.88
-12.40%
1.00
Depreciation And Amortization
2.65
-8.02%
2.88
-10.86%
3.23
-8.60%
3.54
Amortization Of Intangibles
0.57
-27.53%
0.78
-10.84%
0.88
-12.40%
1.00
Other Non Cash Items
—
—
—
-0.01
Stock Based Compensation
2.21
+13.04%
1.96
+11.84%
1.75
+36.21%
1.28
Asset Impairment Charge
—
0.00
0.00
-100.00%
0.09
Deferred Tax
-0.10
-102.61%
4.03
+271.92%
-2.34
-853.38%
0.31
Deferred Income Tax
-0.10
-102.61%
4.03
+271.92%
-2.34
-853.38%
0.31
Operating Gains Losses
2.76
+257.44%
0.77
+240.04%
-0.55
+42.80%
-0.96
Gain Loss On Investment Securities
-0.12
-104.59%
2.62
-81.46%
14.10
+1048.49%
-1.49
Gain Loss On Sale Of PPE
0.05
+101.37%
-3.78
+75.23%
-15.27
-190975.00%
0.01
Change In Working Capital
-21.31
-1495.55%
1.53
-84.25%
9.70
+152.48%
-18.47
Change In Receivables
3.93
+141.87%
-9.39
+54.26%
-20.52
+29.91%
-29.28
Changes In Account Receivables
3.93
+141.87%
-9.39
+54.26%
-20.52
+29.91%
-29.28
Change In Other Working Capital
-2.61
-10.14%
-2.37
-46.72%
-1.61
-221.54%
1.33
Change In Other Current Liabilities
-22.63
-270.38%
13.28
-58.27%
31.84
+235.78%
9.48
Investing Cash Flow
-183.49
-229.93%
141.23
+268.75%
-83.69
+82.60%
-481.00
Cash Flow From Continuing Investing Activities
-183.49
-229.93%
141.23
+268.75%
-83.69
+82.60%
-481.00
Net PPE Purchase And Sale
-1.50
-144.95%
3.34
-82.12%
18.66
+1567.30%
-1.27
Purchase Of PPE
-1.53
-32.53%
-1.16
+18.30%
-1.42
-11.24%
-1.27
Sale Of PPE
0.03
-99.29%
4.49
-77.62%
20.08
0.00
Capital Expenditure
-1.53
-32.53%
-1.16
+18.30%
-1.42
-11.24%
-1.27
Net Investment Purchase And Sale
57.66
-84.86%
380.86
+712.88%
-62.14
+84.63%
-404.32
Purchase Of Investment
-378.05
-150.27%
-151.05
+26.01%
-204.15
+61.77%
-534.06
Sale Of Investment
435.70
-18.09%
531.92
+274.56%
142.01
+9.46%
129.74
Net Other Investing Changes
-13.43
-444.32%
3.90
-80.31%
19.81
+2304.61%
0.82
Financing Cash Flow
184.75
+204.78%
-176.32
-652.44%
31.92
-88.05%
267.03
Cash Flow From Continuing Financing Activities
184.75
+204.78%
-176.32
-652.44%
31.92
-88.05%
267.03
Net Issuance Payments Of Debt
12.70
+108.44%
-150.50
-210.26%
136.50
+45.21%
94.00
Issuance Of Debt
12.70
0.00
-100.00%
136.50
+45.21%
94.00
Repayment Of Debt
—
-150.50
—
—
Long Term Debt Issuance
12.70
0.00
-100.00%
136.50
+45.21%
94.00
Long Term Debt Payments
—
-150.50
—
—
Net Long Term Debt Issuance
12.70
+108.44%
-150.50
-210.26%
136.50
+45.21%
94.00
Net Common Stock Issuance
-31.83
-100.92%
-15.84
-78.38%
-8.88
-71.05%
-5.19
Common Stock Payments
-31.83
-100.92%
-15.84
-78.38%
-8.88
-71.05%
-5.19
Common Stock Dividend Paid
-13.73
-0.73%
-13.63
+0.58%
-13.71
+1.47%
-13.92
Cash Dividends Paid
-13.73
-0.73%
-13.63
+0.58%
-13.71
+1.47%
-13.92
Repurchase Of Capital Stock
-31.83
-100.92%
-15.84
-78.38%
-8.88
-71.05%
-5.19
Proceeds From Stock Option Exercised
0.85
-42.06%
1.47
0.00
-100.00%
0.31
Changes In Cash
34.96
+58.48%
22.06
+1399.80%
1.47
+100.82%
-180.40
Beginning Cash Position
100.66
+28.07%
78.60
+1.91%
77.13
-70.05%
257.53
End Cash Position
135.63
+34.73%
100.66
+28.07%
78.60
+1.91%
77.13
Free Cash Flow
32.17
-42.55%
56.00
+8.04%
51.83
+60.46%
32.30
Interest Paid Supplemental Data
—
49.05
+1.03%
48.55
+350.45%
10.78
Income Tax Paid Supplemental Data
—
8.66
-16.36%
10.36
-21.34%
13.16
Amortization Of Securities
—
—
—
—
Earnings Losses From Equity Investments
2.83
+45.78%
1.94
+193.80%
0.66
+46.56%
0.45
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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