SIERRA BANCORP (BSRR) Stock Fundamental Analysis
NASDAQ:BSRR - US82620P1021 - Common Stock
30.22 USD
-0.07 (-0.23%)
BSRR gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 391 industry peers in the Banks industry. BSRR has a medium profitability rating, but doesn't score so well on its financial health evaluation. BSRR is not valued too expensively and it also shows a decent growth rate. Finally BSRR also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year BSRR was profitable.
BSRR had a positive operating cash flow in the past year.
Each year in the past 5 years BSRR has been profitable.
BSRR had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
BSRR's Return On Assets of 1.08% is fine compared to the rest of the industry. BSRR outperforms 72.12% of its industry peers.
With a decent Return On Equity value of 11.44%, BSRR is doing good in the industry, outperforming 79.28% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.08% | ||
| ROE | 11.44% | ||
| ROIC | N/A |
ROA(3y)1%
ROA(5y)1.07%
ROE(3y)10.92%
ROE(5y)10.98%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
BSRR has a Profit Margin of 26.71%. This is in the better half of the industry: BSRR outperforms 67.52% of its industry peers.
In the last couple of years the Profit Margin of BSRR has declined.
BSRR does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 26.71% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-5.78%
PM growth 5Y-2.47%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
BSRR does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for BSRR has been reduced compared to 1 year ago.
The number of shares outstanding for BSRR has been reduced compared to 5 years ago.
Compared to 1 year ago, BSRR has a worse debt to assets ratio.
2.2 Solvency
BSRR has a debt to FCF ratio of 3.99. This is a good value and a sign of high solvency as BSRR would need 3.99 years to pay back of all of its debts.
BSRR has a Debt to FCF ratio of 3.99. This is in the lower half of the industry: BSRR underperforms 62.92% of its industry peers.
BSRR has a Debt/Equity ratio of 0.60. This is a neutral value indicating BSRR is somewhat dependend on debt financing.
The Debt to Equity ratio of BSRR (0.60) is worse than 78.26% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.6 | ||
| Debt/FCF | 3.99 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC9.72%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 17.48% over the past year.
BSRR shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 3.82% yearly.
Looking at the last year, BSRR shows a small growth in Revenue. The Revenue has grown by 3.77% in the last year.
The Revenue has been growing slightly by 5.01% on average over the past years.
EPS 1Y (TTM)17.48%
EPS 3Y0.12%
EPS 5Y3.82%
EPS Q2Q%9.86%
Revenue 1Y (TTM)3.77%
Revenue growth 3Y4.08%
Revenue growth 5Y5.01%
Sales Q2Q%3.72%
3.2 Future
BSRR is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 7.53% yearly.
The Revenue is expected to grow by 3.27% on average over the next years.
EPS Next Y9.45%
EPS Next 2Y7.53%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year2.81%
Revenue Next 2Y3.27%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 10.46, the valuation of BSRR can be described as reasonable.
Based on the Price/Earnings ratio, BSRR is valued a bit cheaper than 78.77% of the companies in the same industry.
When comparing the Price/Earnings ratio of BSRR to the average of the S&P500 Index (27.02), we can say BSRR is valued rather cheaply.
The Price/Forward Earnings ratio is 9.30, which indicates a very decent valuation of BSRR.
Based on the Price/Forward Earnings ratio, BSRR is valued a bit cheaper than 68.80% of the companies in the same industry.
BSRR is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.66, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.46 | ||
| Fwd PE | 9.3 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, BSRR is valued cheaply inside the industry as 84.65% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.73 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.11
PEG (5Y)2.74
EPS Next 2Y7.53%
EPS Next 3YN/A
5. Dividend
5.1 Amount
BSRR has a Yearly Dividend Yield of 3.26%.
BSRR's Dividend Yield is a higher than the industry average which is at 3.56.
Compared to an average S&P500 Dividend Yield of 2.45, BSRR pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.26% |
5.2 History
The dividend of BSRR has a limited annual growth rate of 4.88%.
BSRR has paid a dividend for at least 10 years, which is a reliable track record.
BSRR has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)4.88%
Div Incr Years1
Div Non Decr Years14
5.3 Sustainability
BSRR pays out 34.03% of its income as dividend. This is a sustainable payout ratio.
The dividend of BSRR is growing, but earnings are growing more, so the dividend growth is sustainable.
DP34.03%
EPS Next 2Y7.53%
EPS Next 3YN/A
NASDAQ:BSRR (9/8/2025, 12:19:44 PM)
30.22
-0.07 (-0.23%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners58.28%
Inst Owner Change1.71%
Ins Owners10.35%
Ins Owner Change-1.13%
Market Cap410.69M
Analysts74.55
Price Target33.28 (10.13%)
Short Float %1.12%
Short Ratio4.26
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.26% |
Yearly Dividend0.94
Dividend Growth(5Y)4.88%
DP34.03%
Div Incr Years1
Div Non Decr Years14
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)0.2%
Min EPS beat(2)-3.15%
Max EPS beat(2)3.56%
EPS beat(4)1
Avg EPS beat(4)-0.53%
Min EPS beat(4)-3.15%
Max EPS beat(4)3.56%
EPS beat(8)3
Avg EPS beat(8)-0.88%
EPS beat(12)4
Avg EPS beat(12)-3.85%
EPS beat(16)6
Avg EPS beat(16)-4%
Revenue beat(2)0
Avg Revenue beat(2)-2.08%
Min Revenue beat(2)-3.95%
Max Revenue beat(2)-0.22%
Revenue beat(4)0
Avg Revenue beat(4)-2.8%
Min Revenue beat(4)-3.95%
Max Revenue beat(4)-0.22%
Revenue beat(8)1
Avg Revenue beat(8)-7.63%
Revenue beat(12)2
Avg Revenue beat(12)-5.93%
Revenue beat(16)3
Avg Revenue beat(16)-5.28%
PT rev (1m)0%
PT rev (3m)4.4%
EPS NQ rev (1m)0%
EPS NQ rev (3m)4.42%
EPS NY rev (1m)2.56%
EPS NY rev (3m)2.97%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.44%
Revenue NY rev (1m)0.73%
Revenue NY rev (3m)0.9%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.46 | ||
| Fwd PE | 9.3 | ||
| P/S | 2.69 | ||
| P/FCF | 7.73 | ||
| P/OCF | 7.56 | ||
| P/B | 1.15 | ||
| P/tB | 1.25 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.89
EY9.56%
EPS(NY)3.25
Fwd EY10.75%
FCF(TTM)3.91
FCFY12.93%
OCF(TTM)4
OCFY13.23%
SpS11.21
BVpS26.17
TBVpS24.14
PEG (NY)1.11
PEG (5Y)2.74
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.08% | ||
| ROE | 11.44% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 26.71% | ||
| GM | N/A | ||
| FCFM | 34.85% |
ROA(3y)1%
ROA(5y)1.07%
ROE(3y)10.92%
ROE(5y)10.98%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-5.78%
PM growth 5Y-2.47%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.6 | ||
| Debt/FCF | 3.99 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 43.66% | ||
| Cap/Sales | 0.79% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 130.49% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC9.72%
ROIC/WACCN/A
Cap/Depr(3y)39.93%
Cap/Depr(5y)39.93%
Cap/Sales(3y)0.88%
Cap/Sales(5y)1.04%
Profit Quality(3y)127.55%
Profit Quality(5y)121.82%
High Growth Momentum
Growth
EPS 1Y (TTM)17.48%
EPS 3Y0.12%
EPS 5Y3.82%
EPS Q2Q%9.86%
EPS Next Y9.45%
EPS Next 2Y7.53%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)3.77%
Revenue growth 3Y4.08%
Revenue growth 5Y5.01%
Sales Q2Q%3.72%
Revenue Next Year2.81%
Revenue Next 2Y3.27%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y21.76%
FCF growth 3Y2.31%
FCF growth 5Y4.03%
OCF growth 1Y20.6%
OCF growth 3Y2.77%
OCF growth 5Y4.1%