30 USD
+0.94 (+3.23%)
30 USD
0 (0%)
BSRR gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 388 industry peers in the Banks industry. There are concerns on the financial health of BSRR while its profitability can be described as average. BSRR has a correct valuation and a medium growth rate. 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
Looking at the Return On Assets, with a value of 1.07%, BSRR is in the better half of the industry, outperforming 69.41% of the companies in the same industry.
With a decent Return On Equity value of 11.05%, BSRR is doing good in the industry, outperforming 75.06% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.07% | ||
| ROE | 11.05% | ||
| 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
Looking at the Profit Margin, with a value of 25.87%, BSRR is in the better half of the industry, outperforming 61.18% of the companies in the same industry.
BSRR's Profit Margin has declined in the last couple of years.
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) | 25.87% | ||
| 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.
Compared to 1 year ago, BSRR has less shares outstanding
BSRR has less shares outstanding than it did 5 years ago.
The debt/assets ratio for BSRR is higher compared to a year ago.
2.2 Solvency
BSRR has a debt to FCF ratio of 5.21. This is a neutral value as BSRR would need 5.21 years to pay back of all of its debts.
The Debt to FCF ratio of BSRR (5.21) is worse than 71.98% of its industry peers.
A Debt/Equity ratio of 0.59 indicates that BSRR is somewhat dependend on debt financing.
BSRR has a worse Debt to Equity ratio (0.59) than 78.41% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.59 | ||
| Debt/FCF | 5.21 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC9.42%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
BSRR shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 13.89%, 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 2.84%.
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)13.89%
EPS 3Y0.12%
EPS 5Y3.82%
EPS Q2Q%-2.7%
Revenue 1Y (TTM)2.84%
Revenue growth 3Y4.08%
Revenue growth 5Y5.01%
Sales Q2Q%1.22%
3.2 Future
BSRR is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 8.13% yearly.
The Revenue is expected to grow by 3.56% on average over the next years.
EPS Next Y9.62%
EPS Next 2Y11.08%
EPS Next 3Y8.13%
EPS Next 5YN/A
Revenue Next Year3.17%
Revenue Next 2Y3.38%
Revenue Next 3Y3.56%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 10.45, the valuation of BSRR can be described as reasonable.
BSRR's Price/Earnings ratio is a bit cheaper when compared to the industry. BSRR is cheaper than 67.10% of the companies in the same industry.
BSRR's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.45.
A Price/Forward Earnings ratio of 8.65 indicates a reasonable valuation of BSRR.
Compared to the rest of the industry, the Price/Forward Earnings ratio of BSRR indicates a somewhat cheap valuation: BSRR is cheaper than 71.47% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 34.46. BSRR is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.45 | ||
| Fwd PE | 8.65 |
4.2 Price Multiples
62.98% of the companies in the same industry are more expensive than BSRR, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.06 | ||
| 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)1.09
PEG (5Y)2.74
EPS Next 2Y11.08%
EPS Next 3Y8.13%
5. Dividend
5.1 Amount
BSRR has a Yearly Dividend Yield of 3.44%.
BSRR's Dividend Yield is a higher than the industry average which is at 3.35.
BSRR's Dividend Yield is a higher than the S&P500 average which is at 2.42.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.44% |
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 34.68% of its income as dividend. This is a sustainable payout ratio.
BSRR's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP34.68%
EPS Next 2Y11.08%
EPS Next 3Y8.13%
30
+0.94 (+3.23%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners58.67%
Inst Owner Change-80.88%
Ins Owners10.33%
Ins Owner Change0.58%
Market Cap407.70M
Revenue(TTM)153.85M
Net Income(TTM)39.80M
Analysts74.55
Price Target33.41 (11.37%)
Short Float %1.51%
Short Ratio5.11
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.44% |
Yearly Dividend0.94
Dividend Growth(5Y)4.88%
DP34.68%
Div Incr Years1
Div Non Decr Years14
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-3.2%
Min EPS beat(2)-9.96%
Max EPS beat(2)3.56%
EPS beat(4)1
Avg EPS beat(4)-2.85%
Min EPS beat(4)-9.96%
Max EPS beat(4)3.56%
EPS beat(8)3
Avg EPS beat(8)-2.06%
EPS beat(12)4
Avg EPS beat(12)-4.4%
EPS beat(16)5
Avg EPS beat(16)-5.06%
Revenue beat(2)0
Avg Revenue beat(2)-1.73%
Min Revenue beat(2)-3.24%
Max Revenue beat(2)-0.22%
Revenue beat(4)0
Avg Revenue beat(4)-2.84%
Min Revenue beat(4)-3.95%
Max Revenue beat(4)-0.22%
Revenue beat(8)1
Avg Revenue beat(8)-7.51%
Revenue beat(12)2
Avg Revenue beat(12)-6.02%
Revenue beat(16)3
Avg Revenue beat(16)-5.48%
PT rev (1m)0.38%
PT rev (3m)0.38%
EPS NQ rev (1m)6.44%
EPS NQ rev (3m)5.99%
EPS NY rev (1m)0.27%
EPS NY rev (3m)0.16%
Revenue NQ rev (1m)-0.1%
Revenue NQ rev (3m)-0.28%
Revenue NY rev (1m)0.4%
Revenue NY rev (3m)0.35%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.45 | ||
| Fwd PE | 8.65 | ||
| P/S | 2.65 | ||
| P/FCF | 10.06 | ||
| P/OCF | 9.74 | ||
| P/B | 1.13 | ||
| P/tB | 1.23 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.87
EY9.57%
EPS(NY)3.47
Fwd EY11.56%
FCF(TTM)2.98
FCFY9.94%
OCF(TTM)3.08
OCFY10.27%
SpS11.32
BVpS26.5
TBVpS24.47
PEG (NY)1.09
PEG (5Y)2.74
Graham Number41.36
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.07% | ||
| ROE | 11.05% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 25.87% | ||
| GM | N/A | ||
| FCFM | 26.34% |
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
ROICexgc growth 3YN/A
ROICexgc 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.59 | ||
| Debt/FCF | 5.21 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 48.68% | ||
| Cap/Sales | 0.87% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 101.82% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score9
WACC9.42%
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)13.89%
EPS 3Y0.12%
EPS 5Y3.82%
EPS Q2Q%-2.7%
EPS Next Y9.62%
EPS Next 2Y11.08%
EPS Next 3Y8.13%
EPS Next 5YN/A
Revenue 1Y (TTM)2.84%
Revenue growth 3Y4.08%
Revenue growth 5Y5.01%
Sales Q2Q%1.22%
Revenue Next Year3.17%
Revenue Next 2Y3.38%
Revenue Next 3Y3.56%
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 1Y-14.69%
FCF growth 3Y2.31%
FCF growth 5Y4.03%
OCF growth 1Y-14.55%
OCF growth 3Y2.77%
OCF growth 5Y4.1%
SIERRA BANCORP / BSRR FAQ
What is the fundamental rating for BSRR stock?
ChartMill assigns a fundamental rating of 4 / 10 to BSRR.
Can you provide the valuation status for SIERRA BANCORP?
ChartMill assigns a valuation rating of 5 / 10 to SIERRA BANCORP (BSRR). This can be considered as Fairly Valued.
How profitable is SIERRA BANCORP (BSRR) stock?
SIERRA BANCORP (BSRR) has a profitability rating of 4 / 10.
What is the financial health of SIERRA BANCORP (BSRR) stock?
The financial health rating of SIERRA BANCORP (BSRR) is 1 / 10.
What is the earnings growth outlook for SIERRA BANCORP?
The Earnings per Share (EPS) of SIERRA BANCORP (BSRR) is expected to grow by 9.62% in the next year.