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SIERRA BANCORP (BSRR) Stock Fundamental Analysis

NASDAQ:BSRR - Nasdaq - US82620P1021 - Common Stock - Currency: USD

27.59  +0.83 (+3.1%)

After market: 27.59 0 (0%)

Fundamental Rating

4

Taking everything into account, BSRR scores 4 out of 10 in our fundamental rating. BSRR was compared to 396 industry peers in the Banks industry. While BSRR is still in line with the averages on profitability rating, there are concerns on its financial health. BSRR is not valued too expensively and it also shows a decent growth rate. Finally BSRR also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

BSRR had positive earnings in the past year.
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.
BSRR Yearly Net Income VS EBIT VS OCF VS FCFBSRR Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M 50M

1.2 Ratios

BSRR has a better Return On Assets (1.12%) than 74.49% of its industry peers.
BSRR has a Return On Equity of 11.47%. This is in the better half of the industry: BSRR outperforms 79.80% of its industry peers.
Industry RankSector Rank
ROA 1.12%
ROE 11.47%
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
BSRR Yearly ROA, ROE, ROICBSRR Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

BSRR has a Profit Margin of 26.71%. This is in the better half of the industry: BSRR outperforms 69.44% of its industry peers.
In the last couple of years the Profit Margin of BSRR has declined.
The Operating Margin and Gross Margin are not available for BSRR so they could not be analyzed.
Industry RankSector 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
BSRR Yearly Profit, Operating, Gross MarginsBSRR Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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3

2. Health

2.1 Basic Checks

BSRR does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, BSRR has less shares outstanding
The number of shares outstanding for BSRR has been reduced compared to 5 years ago.
The debt/assets ratio for BSRR is higher compared to a year ago.
BSRR Yearly Shares OutstandingBSRR Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M
BSRR Yearly Total Debt VS Total AssetsBSRR Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B

2.2 Solvency

The Debt to FCF ratio of BSRR is 2.28, which is a good value as it means it would take BSRR, 2.28 years of fcf income to pay off all of its debts.
BSRR's Debt to FCF ratio of 2.28 is in line compared to the rest of the industry. BSRR outperforms 43.69% of its industry peers.
A Debt/Equity ratio of 0.58 indicates that BSRR is somewhat dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.58, BSRR is doing worse than 79.55% of the companies in the same industry.
Even though the debt/equity ratio score it not favorable for BSRR, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
Industry RankSector Rank
Debt/Equity 0.58
Debt/FCF 2.28
Altman-Z N/A
ROIC/WACCN/A
WACC9.7%
BSRR Yearly LT Debt VS Equity VS FCFBSRR Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
BSRR Yearly Current Assets VS Current LiabilitesBSRR Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M

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4

3. Growth

3.1 Past

BSRR shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 16.53%, which is quite good.
BSRR shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 3.82% yearly.
BSRR shows a small growth in Revenue. In the last year, the Revenue has grown by 3.85%.
Measured over the past years, BSRR shows a small growth in Revenue. The Revenue has been growing by 5.01% on average per year.
EPS 1Y (TTM)16.53%
EPS 3Y0.12%
EPS 5Y3.82%
EPS Q2Q%1.56%
Revenue 1Y (TTM)3.85%
Revenue growth 3Y4.08%
Revenue growth 5Y5.01%
Sales Q2Q%-1.48%

3.2 Future

The Earnings Per Share is expected to grow by 6.62% on average over the next years.
The Revenue is expected to grow by 3.38% on average over the next years.
EPS Next Y6.29%
EPS Next 2Y6.62%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year1.9%
Revenue Next 2Y3.38%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
BSRR Yearly Revenue VS EstimatesBSRR Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 50M 100M 150M
BSRR Yearly EPS VS EstimatesBSRR Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3

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6

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 9.78, the valuation of BSRR can be described as very reasonable.
79.29% of the companies in the same industry are more expensive than BSRR, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of BSRR to the average of the S&P500 Index (26.55), we can say BSRR is valued rather cheaply.
With a Price/Forward Earnings ratio of 8.64, the valuation of BSRR can be described as very reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of BSRR indicates a somewhat cheap valuation: BSRR is cheaper than 66.92% of the companies listed in the same industry.
BSRR is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.30, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 9.78
Fwd PE 8.64
BSRR Price Earnings VS Forward Price EarningsBSRR Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, BSRR is valued cheaper than 92.68% of the companies in the same industry.
Industry RankSector Rank
P/FCF 4.25
EV/EBITDA N/A
BSRR Per share dataBSRR EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

4.3 Compensation for Growth

BSRR's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.56
PEG (5Y)2.56
EPS Next 2Y6.62%
EPS Next 3YN/A

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8

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.74%, BSRR has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.51, BSRR pays a bit more dividend than its industry peers.
BSRR's Dividend Yield is rather good when compared to the S&P500 average which is at 2.39.
Industry RankSector Rank
Dividend Yield 3.74%

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 its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)4.88%
Div Incr Years1
Div Non Decr Years14
BSRR Yearly Dividends per shareBSRR Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8

5.3 Sustainability

BSRR pays out 34.10% 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.
DP34.1%
EPS Next 2Y6.62%
EPS Next 3YN/A
BSRR Yearly Income VS Free CF VS DividendBSRR Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M 50M
BSRR Dividend Payout.BSRR Dividend Payout, showing the Payout Ratio.BSRR Dividend Payout.PayoutRetained Earnings

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SIERRA BANCORP

NASDAQ:BSRR (6/6/2025, 8:00:02 PM)

After market: 27.59 0 (0%)

27.59

+0.83 (+3.1%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-28 2025-04-28/bmo
Earnings (Next)07-21 2025-07-21/bmo
Inst Owners57.55%
Inst Owner Change-2.9%
Ins Owners10.33%
Ins Owner Change1.89%
Market Cap381.29M
Analysts74.55
Price Target31.88 (15.55%)
Short Float %1.17%
Short Ratio3.95
Dividend
Industry RankSector Rank
Dividend Yield 3.74%
Yearly Dividend0.94
Dividend Growth(5Y)4.88%
DP34.1%
Div Incr Years1
Div Non Decr Years14
Ex-Date05-05 2025-05-05 (0.25)
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-2.51%
Min EPS beat(2)-3.15%
Max EPS beat(2)-1.86%
EPS beat(4)1
Avg EPS beat(4)2.39%
Min EPS beat(4)-3.15%
Max EPS beat(4)15.24%
EPS beat(8)3
Avg EPS beat(8)0.07%
EPS beat(12)4
Avg EPS beat(12)-3.98%
EPS beat(16)6
Avg EPS beat(16)-3.45%
Revenue beat(2)0
Avg Revenue beat(2)-3.94%
Min Revenue beat(2)-3.95%
Max Revenue beat(2)-3.94%
Revenue beat(4)0
Avg Revenue beat(4)-2.82%
Min Revenue beat(4)-3.95%
Max Revenue beat(4)-0.32%
Revenue beat(8)1
Avg Revenue beat(8)-7.81%
Revenue beat(12)3
Avg Revenue beat(12)-5.21%
Revenue beat(16)3
Avg Revenue beat(16)-5.51%
PT rev (1m)0%
PT rev (3m)-8.76%
EPS NQ rev (1m)0%
EPS NQ rev (3m)4.84%
EPS NY rev (1m)2.03%
EPS NY rev (3m)1.96%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.07%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.39%
Valuation
Industry RankSector Rank
PE 9.78
Fwd PE 8.64
P/S 2.53
P/FCF 4.25
P/OCF 4.2
P/B 1.08
P/tB 1.18
EV/EBITDA N/A
EPS(TTM)2.82
EY10.22%
EPS(NY)3.19
Fwd EY11.58%
FCF(TTM)6.49
FCFY23.51%
OCF(TTM)6.57
OCFY23.81%
SpS10.93
BVpS25.45
TBVpS23.44
PEG (NY)1.56
PEG (5Y)2.56
Profitability
Industry RankSector Rank
ROA 1.12%
ROE 11.47%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 26.71%
GM N/A
FCFM 59.36%
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-Score9
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.58
Debt/FCF 2.28
Debt/EBITDA N/A
Cap/Depr 41.69%
Cap/Sales 0.78%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 222.22%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score9
WACC9.7%
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)16.53%
EPS 3Y0.12%
EPS 5Y3.82%
EPS Q2Q%1.56%
EPS Next Y6.29%
EPS Next 2Y6.62%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)3.85%
Revenue growth 3Y4.08%
Revenue growth 5Y5.01%
Sales Q2Q%-1.48%
Revenue Next Year1.9%
Revenue Next 2Y3.38%
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 1Y169.14%
FCF growth 3Y2.31%
FCF growth 5Y4.03%
OCF growth 1Y161.59%
OCF growth 3Y2.77%
OCF growth 5Y4.1%