34.4 USD
+0.46 (+1.36%)
34.4 USD
0 (0%)
Taking everything into account, BSRR scores 4 out of 10 in our fundamental rating. BSRR was compared to 387 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. BSRR also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
BSRR had positive earnings in the past year.
In the past year BSRR had a positive cash flow from operations.
BSRR had positive earnings in each of the past 5 years.
BSRR had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
BSRR's Return On Assets of 1.07% is fine compared to the rest of the industry. BSRR outperforms 68.99% of its industry peers.
The Return On Equity of BSRR (11.05%) is better than 74.94% of its industry peers.
| 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
The Profit Margin of BSRR (25.87%) is better than 60.21% of its industry peers.
BSRR's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for BSRR so they could not be analyzed.
| 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
The Debt to FCF ratio of BSRR is 5.21, which is a neutral value as it means it would take BSRR, 5.21 years of fcf income to pay off all of its debts.
BSRR has a Debt to FCF ratio of 5.21. This is in the lower half of the industry: BSRR underperforms 72.35% of its industry peers.
BSRR has a Debt/Equity ratio of 0.59. This is a neutral value indicating BSRR is somewhat dependend on debt financing.
BSRR has a worse Debt to Equity ratio (0.59) than 77.78% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.59 | ||
| Debt/FCF | 5.21 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC9.39%
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 13.89% over the past year.
The Earnings Per Share has been growing slightly by 3.82% on average over the past years.
Looking at the last year, BSRR shows a small growth in Revenue. The Revenue has grown by 2.84% in the last year.
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
The Earnings Per Share is expected to grow by 8.13% on average over the next years. This is quite good.
BSRR is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.56% yearly.
EPS Next Y9.62%
EPS Next 2Y11.08%
EPS Next 3Y8.13%
EPS Next 5YN/A
Revenue Next Year3.19%
Revenue Next 2Y3.55%
Revenue Next 3Y3.56%
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
A Price/Earnings ratio of 11.99 indicates a reasonable valuation of BSRR.
60.47% of the companies in the same industry are more expensive than BSRR, based on the Price/Earnings ratio.
BSRR's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.00.
Based on the Price/Forward Earnings ratio of 9.92, the valuation of BSRR can be described as reasonable.
Based on the Price/Forward Earnings ratio, BSRR is valued a bit cheaper than 62.53% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.70, BSRR is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.99 | ||
| Fwd PE | 9.92 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of BSRR is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.29 | ||
| 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)1.25
PEG (5Y)3.14
EPS Next 2Y11.08%
EPS Next 3Y8.13%
5. Dividend
5.1 Amount
BSRR has a Yearly Dividend Yield of 3.06%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 2.78, BSRR has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 1.94, BSRR pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.06% |
5.2 History
The dividend of BSRR has a limited annual growth rate of 4.88%.
BSRR has been paying a dividend for at least 10 years, so it has 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
34.68% of the earnings are spent on dividend by BSRR. This is a low number and sustainable payout ratio.
The dividend of BSRR is growing, but earnings are growing more, so the dividend growth is sustainable.
DP34.68%
EPS Next 2Y11.08%
EPS Next 3Y8.13%
34.4
+0.46 (+1.36%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners58.51%
Inst Owner Change0%
Ins Owners10.5%
Ins Owner Change0.13%
Market Cap457.52M
Revenue(TTM)153.85M
Net Income(TTM)39.80M
Analysts74.55
Price Target33.79 (-1.77%)
Short Float %1.37%
Short Ratio3.47
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.06% |
Yearly Dividend0.94
Dividend Growth(5Y)4.88%
DP34.68%
Div Incr Years1
Div Non Decr Years14
Ex-DateN/A
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)1.15%
PT rev (3m)1.53%
EPS NQ rev (1m)0%
EPS NQ rev (3m)5.99%
EPS NY rev (1m)0%
EPS NY rev (3m)0.16%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.28%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.37%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.99 | ||
| Fwd PE | 9.92 | ||
| P/S | 2.97 | ||
| P/FCF | 11.29 | ||
| P/OCF | 10.93 | ||
| P/B | 1.27 | ||
| P/tB | 1.38 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.87
EY8.34%
EPS(NY)3.47
Fwd EY10.08%
FCF(TTM)3.05
FCFY8.86%
OCF(TTM)3.15
OCFY9.15%
SpS11.57
BVpS27.07
TBVpS25.01
PEG (NY)1.25
PEG (5Y)3.14
Graham Number41.81
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
WACC9.39%
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 Year3.19%
Revenue Next 2Y3.55%
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.
What is the valuation status for BSRR stock?
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.
Can you provide the PE and PB ratios for BSRR stock?
The Price/Earnings (PE) ratio for SIERRA BANCORP (BSRR) is 11.99 and the Price/Book (PB) ratio is 1.27.
How sustainable is the dividend of SIERRA BANCORP (BSRR) stock?
The dividend rating of SIERRA BANCORP (BSRR) is 7 / 10 and the dividend payout ratio is 34.68%.