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

$41.08+0.37(0.01%)Market closed

Market Cap

$518.68M

P/E

11.5x

P/S

2.6x

P/B

1.4x

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

GoodMetricSide Score: 63/100

Strongest: Profitability (20/25); weakest: Growth (12/25).

Profitability20/25

Growth12/25

Balance Sheet & Red Flags16/25

Cash & Earnings Quality15/25

Strengths

Strong marginsLow leverageCash-backed earningsProfit converts from growth

Valuation vs. 5-year range

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

P/E · 11.5x5y range 9.6x – 13.5x

Currently near its 20-quarter median.

P/S · 2.6x5y range 1.9x – 3.3x

Currently near its 20-quarter median.

P/B · 1.4x5y 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 3 quarters. Watch for further erosion.

Price & Volume

Market Cap $518.68M

Metrics at a Glance

as of June 2026

Revenue & Profit

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

TTM Revenue: $201.29M
Q. Revenue: $49.51M
TTM EBITDA: $61.86M
TTM Op. Income: $59.84M
Q. Op. Income: $13.28M
TTM Net Income: $45.03M
Q. Net Income: $9.92M
EPS: $0.77
Shares Out.: $12.85M

$201.29M in TTM revenue declined 0.6% YoY, reaching $49.51M last quarter. TTM EBITDA of $61.86M and TTM operating income of $59.84M show growth is flowing through to the bottom line. TTM net income of $45.03M means revenue is converting into profit. Over the past year, TTM revenue is down 1% — a weakening trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 78.7%
EBITDA Margin: 27.8%
Op. Margin: 26.8%
Net Margin: 20.0%

Op. margin of 26.8% is down 1.0% YoY — costs are rising relative to revenue. Net margin at 20.0% and gross margin of 78.7% show how much of each revenue dollar survives to profit. Over the past year, operating margin is down 3% — a weakening trend.

Price Ratios

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

P/E Ratio: 11.5x
P/S Ratio: 2.6x
P/B Ratio: 1.4x

At 11.5x P/E, the stock trades below typical market levels. P/S of 2.6x and P/B of 1.4x provide additional context. Use the growth and margin sections to judge whether the multiple is justified. Over the past year, P/E is up 16% — a weakening trend.

Assets & Liabilities

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

Total Assets: $3.72B
Cash: $142.69M
Long-Term Debt: $49.53M
Book Value: $366.90M
D/E Ratio: 0.1
Debt/EBITDA: 3.6

With $3.72B in assets and $49.53M in long-term debt, D/E is 0.1and book value is $366.90M — a conservative capital structure with a cushion to weather downturns. Over the past year, debt/equity is down 3% — an improving trend.

Cash Flow

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

Op. Cash Flow: $5.48M
TTM Free Cash Flow: $44.66M
FCF Margin: 22.2%
FCF / Net Income: 1.0

TTM FCF of $44.66M on $5.48M in operating cash flow. The FCF / Net Income ratio of 1.0x means free cash flow covers net income — earnings are backed by cash. Over the past year, free cash flow is down 16% — an improving trend.