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Sierra Bancorp BSRR
Financial Services - Banks - Regional - NASDAQ - US
Watchlist
$ 25.55
0.511 %
$ 357 M
Market Cap
9.06
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one BSRR stock under the worst case scenario is HIDDEN Compared to the current market price of 25.6 USD, Sierra Bancorp is HIDDEN

BSRR Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one BSRR stock under the base case scenario is HIDDEN Compared to the current market price of 25.6 USD, Sierra Bancorp is HIDDEN

BSRR Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one BSRR stock under the best case scenario is HIDDEN Compared to the current market price of 25.6 USD, Sierra Bancorp is HIDDEN

BSRR Intrinsic Value
HIDDEN
SHOW
2. FUNDAMENTAL ANALYSIS

Price Chart BSRR

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1M -12%
6M -12%
1Y 41%
3Y 20%
5Y 77%
All
$35.0$35.0$34.0$34.0$33.0$33.0$32.0$32.0$31.0$31.0$30.0$30.0$29.0$29.0$28.0$28.0$27.0$27.0$26.0$26.0$25.0$25.015 Oct15 OctNov '24Nov '2415 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '25
FINANCIALS
139 M REVENUE
-0.22%
Growth Rates
1Year -0.22%
3Years 2.86%
5Years 2.81%
7Years 5.18%
10Years 7.37%
-109 M OPERATING INCOME
-234.74%
Growth Rates
1Year -234.74%
3Years -42.72%
5Years -26.86%
7Years -21.19%
10Years -18.59%
40.6 M NET INCOME
16.40%
Growth Rates
1Year 16.40%
3Years -1.94%
5Years 2.44%
7Years 11.00%
10Years 10.28%
57.2 M OPERATING CASH FLOW
7.34%
Growth Rates
1Year 7.34%
3Years 2.77%
5Years 4.11%
7Years 4.73%
10Years 7.19%
141 M INVESTING CASH FLOW
237.35%
Growth Rates
1Year 237.35%
3Years 89.91%
5Years 35.99%
7Years 24.74%
10Years 11.52%
-176 M FINANCING CASH FLOW
-552.44%
Growth Rates
1Year -552.44%
3Years -36.84%
5Years -72.12%
7Years -23.91%
10Years -11.60%
31.9 M REVENUE
-14.40%
Growth Rates
1Year -0.22%
3Years 2.86%
5Years 2.81%
7Years 5.18%
10Years 7.37%
0 OPERATING INCOME
0.00%
Growth Rates
1Year -234.74%
3Years -42.72%
5Years -26.86%
7Years -21.19%
10Years -18.59%
10.4 M NET INCOME
-2.25%
Growth Rates
1Year 16.40%
3Years -1.94%
5Years 2.44%
7Years 11.00%
10Years 10.28%
22.1 M OPERATING CASH FLOW
-19.19%
Growth Rates
1Year 7.34%
3Years 2.77%
5Years 4.11%
7Years 4.73%
10Years 7.19%
42.6 M INVESTING CASH FLOW
159.60%
Growth Rates
1Year 237.35%
3Years 89.91%
5Years 35.99%
7Years 24.74%
10Years 11.52%
-96.9 M FINANCING CASH FLOW
-1250.98%
Growth Rates
1Year -552.44%
3Years -36.84%
5Years -72.12%
7Years -23.91%
10Years -11.60%
Balance Sheet Sierra Bancorp
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Current Assets 130 M
Cash & Short-Term Investments 114 M
Receivables 16 M
Other Current Assets 0
Non-Current Assets 1.02 B
Long-Term Investments 991 M
PP&E 15.2 M
Other Non-Current Assets 12.7 M
9.93 %86.25 %Total Assets$1.1b
Current Liabilities 12.5 M
Accounts Payable 0
Short-Term Debt 12.5 M
Other Current Liabilities 0
Non-Current Liabilities 2.19 B
Long-Term Debt 0
Other Non-Current Liabilities 2.19 B
99.43 %Total Liabilities$2.2b
EFFICIENCY
Earnings Waterfall Sierra Bancorp
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Revenue 139 M
Cost Of Revenue 0
Gross Profit 139 M
Operating Expenses 139 M
Operating Income -109 M
Other Expenses -150 M
Net Income 40.6 M
150m150m100m100m50m50m00(50m)(50m)(100m)(100m)(150m)(150m)139m0139m(139m)(109m)150m41mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
100.00% GROSS MARGIN
100.00%
Averages
1Year 100.00%
3Years 100.00%
5Years 100.00%
7Years 99.50%
10Years 98.40%
-78.57% OPERATING MARGIN
-78.57%
Averages
1Year -78.57%
3Years -0.42%
5Years 15.82%
7Years 23.06%
10Years 27.42%
29.22% NET MARGIN
29.22%
Averages
1Year 29.22%
3Years 26.71%
5Years 28.18%
7Years 28.10%
10Years 26.08%
1.12% ROE
1.12%
Averages
1Year 1.12%
3Years 7.50%
5Years 8.94%
7Years 9.60%
10Years 9.28%
1.12% ROA
1.12%
Averages
1Year 1.12%
3Years 1.00%
5Years 1.07%
7Years 1.13%
10Years 1.06%
-7.14% ROIC
-7.14%
Averages
1Year -7.14%
3Years -1.21%
5Years -7.87%
7Years -5.02%
10Years -3.21%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Sierra Bancorp
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60m60m50m50m40m40m30m30m20m20m10m10m0020162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 40.6 M
Depreciation & Amortization 3.1 M
Capital Expenditures 0
Stock-Based Compensation 1.96 M
Change in Working Capital 0
Others 7.5 M
Free Cash Flow 57.2 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Sierra Bancorp
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Wall Street analysts predict an average 1-year price target for BSRR of $24.8 , with forecasts ranging from a low of $23 to a high of $28 .
BSRR Lowest Price Target Wall Street Target
23 USD -9.98%
BSRR Average Price Target Wall Street Target
24.8 USD -2.94%
BSRR Highest Price Target Wall Street Target
28 USD 9.59%
Price
Max Price Target
Min Price Target
Average Price Target
3636343432323030282826262424222220201818May '24May '24Jul '24Jul '24Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26
4. DIVIDEND ANALYSIS
0.84% DIVIDEND YIELD
0.25 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
1.001.000.900.900.800.800.700.700.600.600.500.500.400.400.300.300.200.200.100.100.000.000.10.120.140.160.180.20.210.230.230.230.250.10.120.140.160.180.20.210.230.230.230.110.120.140.160.190.20.220.230.230.240.110.420.120.480.140.560.160.640.190.740.20.800.220.860.230.920.230.920.240.940.252015201520162016201720172018201820192019202020202021202120222022202320232024202420252025
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5. COMPETITION
slide 2 of 10
6. Ownership
Insider Ownership Sierra Bancorp
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Sold
0-3 MONTHS
675 K USD 4
3-6 MONTHS
2.28 M USD 4
6-9 MONTHS
2.66 M USD 4
9-12 MONTHS
106 K USD 1
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
This is Why Sierra Bancorp (BSRR) is a Great Dividend Stock Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Sierra Bancorp (BSRR) have what it takes? zacks.com - 1 month ago
Sierra Bancorp (BSRR) Could Be a Great Choice Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Sierra Bancorp (BSRR) have what it takes? zacks.com - 1 month ago
Are You Looking for a High-Growth Dividend Stock? Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Sierra Bancorp (BSRR) have what it takes? zacks.com - 2 months ago
Why Sierra Bancorp (BSRR) is a Great Dividend Stock Right Now Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Sierra Bancorp (BSRR) have what it takes? zacks.com - 2 months ago
Sierra Bancorp (BSRR) Reports Q4 Earnings: What Key Metrics Have to Say The headline numbers for Sierra Bancorp (BSRR) give insight into how the company performed in the quarter ended December 2024, but it may be worthwhile to compare some of its key metrics to Wall Street estimates and the year-ago actuals. zacks.com - 2 months ago
Sierra Bancorp (BSRR) Matches Q4 Earnings Estimates Sierra Bancorp (BSRR) came out with quarterly earnings of $0.72 per share, in line with the Zacks Consensus Estimate. This compares to earnings of $0.43 per share a year ago. zacks.com - 2 months ago
Sierra Bancorp Announces 4% Increase in Quarterly Cash Dividend PORTERVILLE, Calif.--(BUSINESS WIRE)--Sierra Bancorp Announces 4% Increase in Quarterly Cash Dividend. businesswire.com - 2 months ago
Is Sierra Bancorp (BSRR) Stock Outpacing Its Finance Peers This Year? Here is how Sierra Bancorp (BSRR) and Central Pacific Financial (CPF) have performed compared to their sector so far this year. zacks.com - 4 months ago
All You Need to Know About Sierra Bancorp (BSRR) Rating Upgrade to Buy Sierra Bancorp (BSRR) has been upgraded to a Zacks Rank #2 (Buy), reflecting growing optimism about the company's earnings prospects. This might drive the stock higher in the near term. zacks.com - 4 months ago
Is Sierra Bancorp (BSRR) Outperforming Other Finance Stocks This Year? Here is how Sierra Bancorp (BSRR) and Northern Trust Corporation (NTRS) have performed compared to their sector so far this year. zacks.com - 4 months ago
Sierra Bancorp (BSRR) Reports Q3 Earnings: What Key Metrics Have to Say The headline numbers for Sierra Bancorp (BSRR) give insight into how the company performed in the quarter ended September 2024, but it may be worthwhile to compare some of its key metrics to Wall Street estimates and the year-ago actuals. zacks.com - 5 months ago
Sierra Bancorp (BSRR) Q3 Earnings and Revenues Top Estimates Sierra Bancorp (BSRR) came out with quarterly earnings of $0.74 per share, beating the Zacks Consensus Estimate of $0.73 per share. This compares to earnings of $0.68 per share a year ago. zacks.com - 5 months ago
8. Profile Summary

Sierra Bancorp BSRR

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 357 M
Dividend Yield 0.84%
Description 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.
Contact 86 North Main Street, Porterville, CA, 93257 https://www.sierrabancorp.com
IPO Date April 18, 1994
Employees 446
Officers Mr. Michael W. Olague Executive Vice President & Chief Banking Officer Ms. Alexandra Blazar Secretary Mr. Kevin J. McPhaill President, Chief Executive Officer & Director Ms. Cindy L. Dabney Senior Vice President & Chief Accounting Officer Mr. Hugh F. Boyle Executive Vice President & Chief Credit Officer Ms. Natalia Coen Executive Vice President & Chief Risk Officer Mr. Christopher G. Treece Executive Vice President & Chief Financial Officer