BSRR - NASDAQ

Sierra Bancorp

BSRR·NASDAQ

$37.58

-1.9%

Financial ServicesBanks - Regional

Sierra Bancorp operates as the bank holding company for Bank of the Sierra that provides retail and commercial banking services to individuals and businesses in California. The company accepts various deposit products, such as checking accounts, savings accounts, money market demand accounts, time deposits, retirement accounts, and sweep accounts. Its loan products include agricultural, commercial, consumer, real estate, construction, and mortgage loans. The company also offers automated teller machines; electronic point-of-sale payment alternatives; online and automated telephone banking services; and remote deposit capture and automated payroll services for business customers. As of December 31, 2021, it operated 35 full-service branches, an online branch, a loan production office, an agricultural credit center, and an SBA center. Sierra Bancorp was founded in 1977 and is headquartered in Porterville, California.

Statements Value Model

At a Glance

Live Snapshot

Market Cap$491.52M

EPS3.1400

P/E Ratio11.97

Earnings Date07/27/2026

3.83B

Assets

3Y+6.0%

5Y+19.0%

10Y+88.0%

3.46B

Total Liabilities

3Y+5.0%

5Y+20.0%

10Y+90.0%

364.86M

Total Equity

3Y+20.0%

5Y+6.0%

10Y+77.0%

Sierra Bancorp Funding & Solvency Profile

BSRR · NASDAQ

Current Assets

Cash & Cash Equivalents135.63M

Net Receivables14.17M

Inventory0.00

Other Current Assets0.00

Total Current Assets619 M

Non-Current Assets

Property, Plant & Equipment14.97M

Goodwill & Intangible Assets27.41M

Long-Term Investments3.02B

Other Non-Current Assets124.23M

Total Non-Current Assets3 B

Total Assets

3.83B

Financial Health Analysis

Current Ratio

0.19x

Warning: Liquidity concerns. Current assets may not be sufficient to cover short-term obligations.

Debt-to-Equity Ratio

9.50x

High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.

Working Capital

-2610831000

Negative working capital indicates short-term liabilities exceed short-term assets—potential liquidity stress.

Asset Composition

16% Current

Capital-intensive business with significant long-term investments in property, equipment, or intangibles.

Financial Health Insight

Financial stress indicators: Both liquidity and leverage metrics raise concerns. The company may face challenges meeting obligations and should focus on strengthening its balance sheet.

Sierra Bancorp Balance Sheet

BSRR • NASDAQ

Sierra Bancorp Balance Sheet	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017	Dec 2016	Dec 2015	Dec 2014	Dec 2013	Dec 2012	Dec 2011	Dec 2010	Dec 2009	Dec 2008	Dec 2007	Dec 2006
ASSETS
CURRENT ASSETS
Cash and Cash Equivalents	135.6M	100.7M	78.6M	77.1M	257.5M	71.4M	80.1M	74.1M	70.1M	120.4M	48.6M	50.1M	78M	61.8M	63M	42.4M	66.2M	46M	44M	52.7M
Short-Term Investments	469.4M	656M	1B	934.9M	973.3M	544M	600.8M	560.5M	558.3M	530.1M	507.6M	511.9M	425M	380.2M	406.5M	0.0	0.0	0.0	0.0	0.0
Cash & Short-Term Investments	605M	756.6M	1.1B	1B	1.2B	615.4M	680.9M	634.6M	628.5M	650.5M	556.2M	562M	503.1M	442M	469.5M	42.4M	66.2M	46M	44M	52.7M
Net Receivables	14.2M	16M	20.3M	18.4M	11.2M	16.1M	8.2M	8.6M	7.7M	6.4M	5.8M	5.9M	5M	5.1M	5.4M	0.0	0.0	0.0	6.9M	6.7M
Accounts Receivables	14.2M	16M	20.3M	18.4M	11.2M	16.1M	8.2M	8.6M	7.7M	6.4M	5.8M	5.9M	5M	5.1M	5.4M	0.0	0.0	0.0	6.9M	6.7M
Prepaids	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	2.8M	3.8M	2.3M	0.0	0.0	0.0	0.0	0.0
Total Current Assets	619.2M	772.6M	1.1B	1B	1.2B	631.5M	689.1M	643.2M	636.1M	656.9M	562M	567.8M	510.8M	450.9M	477.1M	42.4M	66.2M	46M	50.9M	59.4M
NON-CURRENT ASSETS
Property, Plant, and Equipment (Net)	15M	15.2M	16.9M	22.5M	23.6M	27.5M	27.4M	29.5M	29.4M	28.9M	22M	21.9M	20.4M	21.8M	21.1M	20.2M	20.1M	19.3M	18.3M	18M
Goodwill	27.4M	27.4M	27.4M	27.4M	27.4M	27.4M	27.4M	27.4M	27.4M	8.3M	6.9M	6.9M	5.5M	5.5M	5.5M	5.5M	5.5M	5.5M	5.5M	5.5M
Intangible Assets	52K	618K	1.4M	2.3M	3.3M	4.3M	5.4M	6.5M	6.2M	2.8M	930K	1.1M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Goodwill & Intangible Assets	27.4M	28M	28.8M	29.6M	30.6M	31.7M	32.7M	33.8M	33.6M	11.1M	7.8M	8M	5.5M	5.5M	5.5M	5.5M	5.5M	5.5M	5.5M	5.5M
Long-Term Investments	3B	2.7B	2.4B	2.4B	2B	2.4B	1.8B	1.7B	1.6B	1.3B	1.1B	968.3M	802.4M	877.6M	752.2M	1.1B	1.1B	1.2B	1.1B	1.1B
Tax Assets	19.4M	22.7M	28.7M	35M	3.8M	839K	3.5M	8.7M	6.5M	9.5M	12.3M	12.8M	12.3M	12M	11.7M	0.0	0.0	0.0	0.0	0.0
Other Non-Current Assets	124.2M	108.8M	106.6M	85M	82.3M	81.7M	78.7M	73.6M	71.5M	62.7M	61.6M	58.5M	58.8M	70M	67.7M	102.2M	105.3M	81.9M	64.8M	69.1M
Total Non-Current Assets	3.2B	2.8B	2.6B	2.6B	2.1B	2.6B	1.9B	1.9B	1.7B	1.4B	1.2B	1.1B	899.4M	987M	858.3M	1.2B	1.3B	1.3B	1.2B	1.2B
Total Assets	3.8B	3.6B	3.7B	3.6B	3.4B	3.2B	2.6B	2.5B	2.3B	2B	1.8B	1.6B	1.4B	1.4B	1.3B	1.3B	1.3B	1.3B	1.2B	1.2B
LIABILITIES
CURRENT LIABILITIES
Short Term Debt	353.6M	108.9M	387.6M	328.2M	106.9M	182M	45.7M	72.5M	30.1M	73.1M	84.7M	25.5M	6M	38.1M	20.2M	14.7M	10M	83.9M	271.2M	182.4M
Other Current Liabilities	2.9B	2.9B	2.8B	2.8B	2.8B	2.6B	2.2B	2.1B	2B	1.7B	1.5B	1.4B	1.2B	1.2B	1.1B	1.1B	1.1B	1.1B	850.1M	868.4M
Total Current Liabilities	3.2B	3B	3.1B	3.2B	2.9B	2.8B	2.2B	2.2B	2B	1.8B	1.5B	1.4B	1.2B	1.2B	1.1B	1.1B	1.1B	1.1B	1.1B	1.1B
NON-CURRENT LIABILITIES
Long Term Debt	165.5M	165.2M	165M	84.7M	84.4M	35.1M	34.9M	34.8M	34.6M	34.4M	32.9M	36.9M	30.9M	35.9M	45.9M	45.9M	50.9M	60.9M	35.9M	57.9M
Deferred Revenue (Non-Current)	0.0	0.0	0.0	0.0	0.0	0.0	25.4M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Other Non-Current Liabilities	68.9M	91.2M	77.9M	46M	35.6M	35.1M	0.0	25.9M	31.3M	24M	23.9M	21.2M	17.5M	16M	14.5M	14.1M	14.7M	13.1M	-23M	15.9M
Total Non-Current Liabilities	234.4M	256.4M	242.9M	130.7M	120M	70.2M	70.4M	60.7M	65.9M	58.4M	56.9M	58.1M	48.4M	51.9M	60.4M	60.1M	65.6M	74.1M	13M	73.9M
Capital Lease Obligations	0.0	0.0	0.0	0.0	0.0	0.0	6.7M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Total Liabilities	3.5B	3.3B	3.4B	3.3B	3B	2.9B	2.3B	2.2B	2.1B	1.8B	1.6B	1.5B	1.2B	1.3B	1.2B	1.1B	1.2B	1.2B	1.1B	1.1B
SHAREHOLDERS' EQUITY
Preferred Stock	0.0	0.0	0.0	0.0	0.0	0.0	113.2M	112.5M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	63.5M	41.4M	0.0	0.0	0.0
Common Stock	103.4M	109M	110.4M	112.9M	113M	113.4M	113.2M	112.5M	111.1M	72.6M	62.4M	64.2M	65.8M	64.4M	64.3M	63.5M	0.0	0.0	0.0	16.1M
Additional Paid-In Capital	4.6M	4.5M	4.6M	4.1M	3.9M	3.7M	3.3M	3.1M	2.9M	2.8M	2.7M	2.6M	2.6M	2.7M	2.2M	1.7M	1.2M	21.9M	19.6M	0.0
Retained Earnings	280M	275.1M	259.1M	243.1M	234.4M	208.4M	186.9M	164.1M	144.2M	132.2M	122.7M	116M	112.8M	103.1M	98.2M	93.6M	89.1M	83.7M	80.1M	75.9M
Accumulated Other Comprehensive Income/Loss	-23.2M	-31.3M	-36M	-56.6M	11.2M	18.4M	5.9M	-6.7M	-2.3M	-1.8M	2.5M	4.3M	429K	3.7M	3.8M	898K	2.7M	979K	-215K	-1.7M
Other Total Stockholders' Equity	0.0	0.0	0.0	0.0	0.0	0.0	-113.2M	-112.5M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	-63.5M	0.0	0.0	0.0	0.0
Total Stockholders' Equity	364.9M	357.3M	338.1M	303.6M	362.5M	343.9M	309.3M	273M	255.9M	205.9M	190.3M	187.1M	181.7M	173.9M	168.6M	159.6M	134.5M	106.8M	99.5M	90.4M
Total Equity	364.9M	357.3M	338.1M	303.6M	362.5M	343.9M	309.3M	273M	255.9M	205.9M	190.3M	187.1M	181.7M	173.9M	168.6M	159.6M	134.5M	106.8M	99.5M	90.4M
SUMMARY
Total Liabilities & Equity	3.8B	3.6B	3.7B	3.6B	3.4B	3.2B	2.6B	2.5B	2.3B	2B	1.8B	1.6B	1.4B	1.4B	1.3B	1.3B	1.3B	1.3B	1.2B	1.2B
Total Investments	3.5B	3.3B	3.4B	3.3B	3B	3B	2.4B	2.3B	2.1B	1.8B	1.6B	1.5B	1.2B	1.3B	1.2B	1.1B	1.1B	1.2B	1.1B	1.1B
Total Debt	519.1M	274.1M	552.6M	412.9M	191.4M	217.2M	80.7M	107.2M	64.6M	107.5M	117.6M	62.4M	36.9M	74M	66.1M	60.6M	60.9M	144.8M	307.1M	240.3M
Net Debt	383.4M	173.4M	474M	335.7M	-66.1M	145.7M	579K	33.1M	-5.5M	-12.9M	69M	12.3M	-41.1M	12.2M	3M	18.1M	-5.3M	98.8M	263.1M	187.6M
Shares Outstanding	13,590,273	13,590,273	13,590,273	13,590,273	13,590,273	13,590,273	13,590,273	13,590,273	13,590,273	13,590,273	13,590,273	13,590,273	13,590,273	13,590,273	13,590,273	13,590,273	13,590,273	13,590,273	13,590,273	13,590,273

SEC Filings

BSRR - Filing history and reports

Filing Type	Filing Date	Period Ending	Fiscal Year	Actions
8-K 8-K 2026 N/A	May 21, 2026	May 20, 2026	2026	View Filing
8-K 8-K 2026 N/A	May 04, 2026	May 04, 2026	2026	View Filing
10-Q 10-Q 2026 Q1 Q1	May 01, 2026	March 31, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 27, 2026	April 27, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 24, 2026	April 23, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 20, 2026	April 20, 2026	2026	View Filing
DEF 14A DEF 14A 2026 N/A	April 07, 2026	May 20, 2026	2026	View Filing
10-K 10-K 2025 FY FY	February 27, 2026	December 31, 2025	2025	View Filing
8-K 8-K 2026 N/A	February 02, 2026	February 02, 2026	2026	View Filing
8-K 8-K 2026 N/A	February 02, 2026	February 02, 2026	2026	View Filing

Showing 1 to 10 of 372 filings

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