Sierra Bancorp (BSRR) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Sierra Bancorp

NasdaqGS•Financial Services•Banks - Regional

$41.90-0.53(-0.01%)Market closed

Market Cap

$545.66M

P/E

10.8x

P/S

2.7x

P/B

1.5x

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.

How this company scores

ExcellentMetricSide Score: 81/100

Strongest: Cash & Earnings Quality (24/25); weakest: Growth (14/25).

Profitability23/25

Growth14/25

Balance Sheet & Red Flags20/25

Cash & Earnings Quality24/25

Strengths

Rising free cash flowStrong marginsRising earningsLow leverage

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 10.8x5y range 9.6x – 12.5x

Currently near its 20-quarter median.

P/S · 2.7x5y range 1.9x – 3.1x

Currently near its 20-quarter median.

P/B · 1.5x5y range 1.1x – 1.5x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

Some Concerns

Revenue Decline

Watch

Revenue has softened, declining in 4 quarters. Watch for further erosion.

Price & Volume

Market Cap $545.66M

Metrics at a Glance

as of September 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $199.92M
Q. Revenue: $50.63M
TTM EBITDA: $68.92M
TTM Op. Income: $66.92M
Q. Op. Income: $19.78M
TTM Net Income: $50.61M
Q. Net Income: $15.28M
EPS: $1.19
Shares Out.: $12.79M

$199.92M in TTM revenue declined 1.0% YoY, reaching $50.63M last quarter. TTM EBITDA of $68.92M and TTM operating income of $66.92M show growth is flowing through to the bottom line. TTM net income of $50.61M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has fallen for 2 consecutive quarters — a weakening trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 79.2%
EBITDA Margin: 40.1%
Op. Margin: 39.1%
Net Margin: 30.2%

Op. margin of 39.1% is up 14.6% YoY — cost efficiency is improving. Net margin at 30.2% and gross margin of 79.2% show how much of each revenue dollar survives to profit. Over the past year, operating margin is up 60% — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 10.8x
P/S Ratio: 2.7x
P/B Ratio: 1.5x

At 10.8x P/E, the stock trades below typical market levels. P/S of 2.7x and P/B of 1.5x provide additional context. Use the growth and margin sections to judge whether the multiple is justified. Over the past year, P/E is up 11% — an improving trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $3.68B
Cash: $138.31M
Long-Term Debt: $35.00M
Book Value: $361.75M
D/E Ratio: 0.1
Debt/EBITDA: 1.7

With $3.68B in assets and $35.00M in long-term debt, D/E is 0.1and book value is $361.75M — a conservative capital structure with a cushion to weather downturns. Across the last 8 quarters, debt/equity has fallen for 2 consecutive quarters — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $21.43M
TTM Free Cash Flow: $50.69M
FCF Margin: 25.4%
FCF / Net Income: 1.0

TTM FCF of $50.69M on $21.43M in operating cash flow. The FCF / Net Income ratio of 1.0x means free cash flow covers net income — earnings are backed by cash. Across the last 8 quarters, free cash flow has risen for 2 consecutive quarters — an improving trend.