Sierra Bancorp(BSRR)Earnings, Financials & Key Ratios

BSRR•NASDAQ•Banking & Credit

12.7× P/E·Price updated Jun 17, 2026

SectorFinancial Services IndustryRegional Banks Sub-IndustryCommunity and retail regional banks

AboutSierra Bancorp operates as the bank holding company for Bank of the Sierra that provides retail and commercial banking services to individuals and businesses in California. The company accepts various deposit products, such as checking accounts, savings accounts, money market demand accounts, time deposits, retirement accounts, and sweep accounts. Its loan products include agricultural, commercial, consumer, real estate, construction, and mortgage loans. The company also offers automated teller machines; electronic point-of-sale payment alternatives; online and automated telephone banking services; and remote deposit capture and automated payroll services for business customers. As of December 31, 2021, it operated 35 full-service branches, an online branch, a loan production office, an agricultural credit center, and an SBA center. Sierra Bancorp was founded in 1977 and is headquartered in Porterville, California.Show more

Net Interest Income$125M+3.9%
Total Revenue$202M+5.7%
Net Income$42M+4.4%
Return on Equity11.72%+0.5%
Net Interest Margin3.26%-2.0%
Efficiency Ratio45.96%+9.6%
ROA1.14%+3.0%
Equity / Assets9.53%-3.6%
Book Value per Share26.84+8.1%

BSRR Key Insights

Sierra Bancorp (BSRR) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

✓Efficient operations: 46.0% efficiency ratio
✓Healthy dividend yield of 2.6%
✓Share count reduced 5.6% through buybacks
✓Trading near 52-week high
✓Trading at only 1.5x book value

✗Weaknesses

No significant weaknesses identified

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

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BSRR Price & Volume

Sierra Bancorp (BSRR) stock price & volume — 10-year historical chart

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BSRR Growth Metrics

Sierra Bancorp (BSRR) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years10.07%

5 Years9.72%

3 Years12.33%

TTM-

Profit CAGR

10 Years8.89%

5 Years3.61%

3 Years7.94%

TTM4.36%

EPS CAGR

10 Years8.87%

5 Years6.04%

3 Years11.56%

TTM11.03%

Return on Capital

10 Years10.39%

5 Years9.02%

3 Years7.51%

Last Year4.37%

BSRR Recent Earnings

Sierra Bancorp (BSRR) EPS & revenue vs analyst estimates — last 4 quarters

Full history →

●Beat EPS 8/12 qtrs (73%)●Beat Revenue 1/12 qtrs (9%)

Q2 2026Latest

Apr 27, 2026

Metric

Actual

Est

EPS

$0.96+17.1%

$0.82

Rev

$39M-2.8%

$40M

Q1 2026

Feb 2, 2026

Metric

Actual

Est

EPS

$0.97+14.1%

$0.85

Rev

$39M-1.9%

$40M

Q4 2025

Oct 27, 2025

Metric

Actual

Est

EPS

$0.72-8.9%

$0.79

Rev

$38M-5.8%

$40M

Q3 2025

Jul 28, 2025

Metric

Actual

Est

EPS

$0.78+5.4%

$0.74

Rev

$37M-5.9%

$39M

Quarter	Date	EPS (Act vs Est)	Revenue (Act vs Est)
Q2 2026Latest	Apr 27, 2026	$0.96vs $0.82+17.1%	$39Mvs $40M-2.8%
Q1 2026	Feb 2, 2026	$0.97vs $0.85+14.1%	$39Mvs $40M-1.9%
Q4 2025	Oct 27, 2025	$0.72vs $0.79-8.9%	$38Mvs $40M-5.8%
Q3 2025	Jul 28, 2025	$0.78vs $0.74+5.4%	$37Mvs $39M-5.9%

Based on last 12 quarters of dataView full earnings history →

Company	Market Cap	Stock Price	P/E Ratio (TTM)	Revenue Growth 1Y	Net Margin	Return on Equity (ROE)	Debt / Equity
CVBFCVB Financial Corp.Direct Competitor	2.79B	20.57	13.53	-2.33%	32.48%	9.25%	0.43
WAFDWaFd, Inc.Direct Competitor	2.79B	36.21	13.77	-1.58%	17.46%	8.02%	0.60
BANRBanner CorporationDirect Competitor	2.19B	64.76	11.48	-0.95%	23.84%	10.34%	0.19
HAFCHanmi Financial CorporationDirect Competitor	918.9M	30.74	12.25	3.55%	17.12%	9.85%	0.35
FFINFirst Financial Bankshares, Inc.Product Competitor	4.67B	32.57	18.40	11.71%	30.71%	14.16%	0.01
BOKFBOK Financial CorporationProduct Competitor	7.95B	130.84	14.25	-1.07%	17.38%	9.79%	0.78
UMBFUMB Financial CorporationProduct Competitor	10.09B	132.57	14.52	68.52%	19.79%	11.67%	0.49
SFNCSimmons First National CorporationProduct Competitor	3.15B	21.71	-7.36	-56.66%	-64.33%	-11.48%	0.19

Compare BSRR vs Peers

Sierra Bancorp (BSRR) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs CVBF

Most directly comparable listed peer for BSRR.

Scale Benchmark

vs FIS

Larger-name benchmark to compare BSRR against a more recognizable public peer.

Peer Set

Compare Top 5

vs CVBF, WAFD, BANR, HAFC

BSRR Income Statement

Sierra Bancorp (BSRR) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily

Metric	Dec'17	Dec'18	Dec'19	Dec'20	Dec'21	Dec'22	Dec'23	Dec'24	Dec'25
Net Interest Income	75.69M	92.39M	97.37M	104.83M	109.03M	109.61M	112.41M	120.03M	124.69M
NII Growth %	16.18%	22.08%	5.38%	7.67%	4%	0.54%	2.55%	6.78%	3.88%
Net Interest Margin %	3.23%	3.66%	3.75%	3.25%	3.23%	3.04%	3.01%	3.32%	3.26%
Interest Income	80.91M	101.64M	110.95M	110.24M	113.08M	121.82M	163.12M	172.35M	171.39M
Interest Expense	5.22M	9.24M	13.58M	5.41M	4.05M	12.2M	50.72M	52.32M	46.7M
Loan Loss Provision	-1.14M	4.35M	2.55M	8.55M	-3.65M	10.6M	3.73M	4.79M	6.09M
Non-Interest Income	16.34M	15.01M	14.84M	16.79M	18.35M	20.67M	5.8M	18.79M	30.59M
Non-Interest Income %	16.8%	12.87%	11.8%	13.22%	13.96%	14.51%	3.44%	9.83%	15.14%
Total Revenue	97.25M▲ 0%	116.65M▲ 19.9%	125.79M▲ 7.8%	127.03M▲ 1.0%	131.43M▲ 3.5%	142.49M▲ 8.4%	168.93M▲ 18.6%	191.14M▲ 13.2%	201.98M▲ 5.7%
Revenue Growth %	15.34%	19.95%	7.84%	0.99%	3.46%	8.42%	18.55%	13.15%	5.67%
Non-Interest Expense	59.99M	63.47M	61.94M	66.55M	73.83M	74.77M	68.02M	80.16M	92.84M
Efficiency Ratio	61.68%	54.41%	49.24%	52.39%	56.17%	52.47%	40.26%	41.94%	45.96%
Operating Income	33.18M▲ 0%	39.58M▲ 19.3%	47.72M▲ 20.5%	46.52M▼ 2.5%	57.2M▲ 22.9%	44.91M▼ 21.5%	46.46M▲ 3.4%	53.87M▲ 15.9%	56.4M▲ 4.7%
Operating Margin %	34.12%	33.93%	37.94%	36.62%	43.52%	31.52%	27.51%	28.18%	27.92%
Operating Income Growth %	25.84%	19.3%	20.55%	-2.5%	22.95%	-21.48%	3.45%	15.93%	4.69%
Pretax Income	33.18M▲ 0%	39.58M▲ 19.3%	47.72M▲ 20.5%	46.52M▼ 2.5%	57.2M▲ 22.9%	44.91M▼ 21.5%	46.46M▲ 3.4%	53.87M▲ 15.9%	56.34M▲ 4.6%
Pretax Margin %	34.12%	33.93%	37.94%	36.62%	43.52%	31.52%	27.51%	28.18%	27.9%
Income Tax	13.64M	9.91M	11.76M	11.08M	14.19M	11.26M	11.62M	13.31M	14.02M
Effective Tax Rate %	41.11%	25.03%	24.64%	23.81%	24.8%	25.06%	25.01%	24.7%	24.88%
Net Income	19.54M▲ 0%	29.68M▲ 51.9%	35.96M▲ 21.2%	35.44M▼ 1.4%	43.01M▲ 21.4%	33.66M▼ 21.7%	34.84M▲ 3.5%	40.56M▲ 16.4%	42.33M▲ 4.4%
Net Margin %	20.09%	25.44%	28.59%	27.9%	32.73%	23.62%	20.63%	21.22%	20.96%
Net Income Growth %	11.23%	51.89%	21.17%	-1.44%	21.35%	-21.75%	3.52%	16.4%	4.36%
Net Income (Continuing)	19.54M	29.68M	35.96M	35.44M	43.01M	33.66M	34.84M	40.56M	42.33M
EPS (Diluted)	1.36▲ 0%	1.92▲ 41.2%	2.33▲ 21.4%	2.32▼ 0.4%	2.80▲ 20.7%	2.24▼ 20.0%	2.36▲ 5.4%	2.82▲ 19.5%	3.11▲ 10.3%
EPS Growth %	5.43%	41.18%	21.35%	-0.43%	20.69%	-20%	5.36%	19.49%	10.28%
EPS (Basic)	1.38	1.94	2.35	2.33	2.82	2.25	2.37	2.84	3.14
Diluted Shares Outstanding	14.36M	15.43M	15.44M	15.28M	15.35M	15.02M	14.74M	14.4M	13.59M

BSRR Balance Sheet

Sierra Bancorp (BSRR) balance sheet — assets, liabilities & shareholders' equity

Metric	Dec'17	Dec'18	Dec'19	Dec'20	Dec'21	Dec'22	Dec'23	Dec'24	Dec'25
Cash & Short Term Investments	628.47M	634.61M	680.88M	615.39M	1.23B	1.01B	1.1B	756.63M	1.05B
Cash & Due from Banks	70.14M	74.13M	80.08M	71.42M	257.53M	77.13M	78.6M	100.66M	135.63M
Short Term Investments	558.33M	560.48M	600.8M	543.97M	973.31M	934.92M	1.02B	655.97M	916.14M
Total Investments	2.12B	2.29B	2.36B	2.99B	2.96B	3.34B	3.45B	3.32B	3.49B
Investments Growth %	18.26%	8.14%	3.01%	26.59%	-0.99%	12.8%	3.26%	-3.68%	5.13%
Long-Term Investments	1.56B	1.73B	1.76B	2.45B	1.99B	2.41B	2.43B	2.67B	3.02B
Accounts Receivables	7.68M	8.59M	8.23M	16.07M	11.25M	18.35M	20.35M	16M	14.17M
Goodwill & Intangibles	33.59M	33.81M	32.74M	31.66M	30.63M	29.63M	28.76M	27.98M	27.41M
Goodwill	27.36M	27.36M	27.36M	27.36M	27.36M	27.36M	27.36M	27.36M	27.36M
Intangible Assets	6.23M	6.46M	5.38M	4.31M	3.27M	2.27M	1.4M	618K	52K
PP&E (Net)	29.39M	29.5M	27.43M	27.5M	23.57M	22.48M	16.91M	15.24M	14.97M
Other Assets	71.52M	73.6M	78.71M	81.72M	82.33M	85.04M	106.61M	108.83M	-3.05B
Total Current Assets	636.15M	643.2M	689.11M	631.47M	1.24B	1.03B	1.12B	772.63M	1.05B
Total Non-Current Assets	1.7B	1.88B	1.9B	2.59B	2.13B	2.58B	2.61B	2.84B	14.97M
Total Assets	2.34B▲ 0%	2.52B▲ 7.8%	2.59B▲ 2.8%	3.22B▲ 24.2%	3.37B▲ 4.7%	3.61B▲ 7.0%	3.73B▲ 3.4%	3.61B▼ 3.1%	3.83B▲ 5.9%
Asset Growth %	15.12%	7.79%	2.83%	24.17%	4.67%	7.05%	3.36%	-3.1%	5.95%
Return on Assets (ROA)	0.89%	1.22%	1.41%	1.22%	1.31%	0.96%	0.95%	1.1%	1.14%
Accounts Payable	0	0	0	0	0	0	0	0	0
Total Debt	64.64M	107.23M	80.66M	217.16M	191.38M	412.86M	552.59M	274.09M	519.05M
Net Debt	-5.5M	33.09M	579K	145.75M	-66.15M	335.73M	473.98M	173.43M	383.43M
Long-Term Debt	34.59M	34.77M	34.95M	35.12M	84.44M	84.69M	164.96M	165.23M	388.2M
Short-Term Debt	30.05M	72.46M	45.71M	182.04M	106.94M	328.17M	387.62M	108.86M	130.85M
Other Liabilities	31.33M	25.91M	35.5M	35.08M	35.57M	45.98M	77.89M	91.21M	3.08B
Total Current Liabilities	2.02B	2.19B	2.21B	2.81B	2.89B	3.17B	3.15B	3B	1.86B
Total Non-Current Liabilities	65.92M	60.68M	70.45M	70.2M	120.01M	130.68M	242.86M	256.44M	3.46B
Total Liabilities	2.08B	2.25B	2.28B	2.88B	3.01B	3.31B	3.39B	3.26B	3.46B
Total Equity	255.94M▲ 0%	273.02M▲ 6.7%	309.29M▲ 13.3%	343.9M▲ 11.2%	362.49M▲ 5.4%	303.58M▼ 16.3%	338.1M▲ 11.4%	357.3M▲ 5.7%	364.86M▲ 2.1%
Equity Growth %	24.32%	6.67%	13.28%	11.19%	5.41%	-16.25%	11.37%	5.68%	2.12%
Equity / Assets (Capital Ratio)	10.94%	10.82%	11.92%	10.68%	10.75%	8.41%	9.06%	9.89%	9.53%
Return on Equity (ROE)	8.46%	11.22%	12.35%	10.85%	12.18%	10.11%	10.86%	11.67%	11.72%
Book Value per Share	17.83	17.69	20.04	22.51	23.61	20.21	22.94	24.82	26.84
Tangible BV per Share	15.49	15.50	17.91	20.43	21.62	18.24	20.99	22.88	24.83
Common Stock	111.14M	112.51M	113.18M	113.38M	113.01M	112.93M	110.45M	108.97M	103.39M
Additional Paid-in Capital	2.94M	3.07M	3.31M	3.74M	3.91M	4.15M	4.58M	4.51M	4.64M
Retained Earnings	144.2M	164.12M	186.87M	208.37M	234.41M	243.08M	259.05M	275.08M	280M
Accumulated OCI	-2.33M	-6.67M	5.93M	18.41M	11.17M	-56.58M	-35.98M	-31.26M	-23.17M
Treasury Stock	0	0	0	0	0	0	0	0	0
Preferred Stock	0	112.51M	113.18M	0	0	0	0	0	0

BSRR Cash Flow Statement

Sierra Bancorp (BSRR) cash flow — operating, investing & free cash flow history

Metric	Dec'17	Dec'18	Dec'19	Dec'20	Dec'21	Dec'22	Dec'23	Dec'24	Dec'25
Cash from Operations	40.68M	30.45M	46.74M	40.03M	52.66M	33.57M	53.24M	57.15M	33.7M
Operating CF Growth %	161.08%	-25.16%	53.51%	-14.36%	31.55%	-36.24%	58.6%	7.34%	-41.03%
Net Income	19.54M	29.68M	35.96M	35.44M	43.01M	33.66M	34.84M	40.56M	42.33M
Depreciation & Amortization	3.54M	4.19M	4.06M	4.1M	4.27M	3.54M	3.23M	2.88M	0
Deferred Taxes	-1.13M	-308K	-97K	-2.61M	85K	311K	-2.34M	4.03M	0
Other Non-Cash Items	5.39M	9.81M	8.3M	13.9M	1.43M	13.26M	6.07M	6.2M	12.69M
Working Capital Changes	12.86M	-13.3M	-1.98M	-11.5M	2.87M	-18.47M	9.7M	1.53M	-21.31M
Cash from Investing	-51.67M	-188.19M	-53.29M	-627.25M	20.62M	-481M	-83.69M	141.23M	-183.49M
Purchase of Investments	-184.09M	-122.82M	-190.17M	-71.82M	-578.57M	-534.06M	-204.15M	-151.05M	0
Sale/Maturity of Investments	149.82M	109.06M	163.09M	141.95M	123.66M	129.74M	142.03M	531.92M	0
Net Investment Activity	-34.27M	-13.76M	-27.08M	70.13M	-454.92M	-404.32M	-62.12M	380.86M	0
Acquisitions	61.57M	-6K	0	0	0	0	0	0	0
Other Investing	-76.83M	-171.3M	-25.42M	-694.47M	475.91M	-75.4M	-20.15M	-238.48M	-183.49M
Cash from Financing	-39.31M	161.74M	12.5M	578.57M	112.83M	267.03M	31.92M	-176.32M	184.75M
Dividends Paid	-7.93M	-9.76M	-11.33M	-12.21M	-13.23M	-13.92M	-13.71M	-13.63M	-13.73M
Share Repurchases	0	0	-2.54M	-2.56M	-5.22M	-5.19M	-8.88M	-15.84M	-31.83M
Stock Issued	0	0	0	0	0	0	0	1.47M	854K
Net Stock Activity	0	0	-2.54M	-2.56M	-5.22M	-5.19M	-8.88M	-14.37M	-30.98M
Debt Issuance (Net)	-1000K	1000K	-1000K	1000K	1000K	1000K	1000K	-1000K	1000K
Other Financing	36.12M	137.29M	62.47M	570.43M	125.05M	192.14M	-81.99M	130.44M	216.76M
Net Change in Cash	-50.3M▲ 0%	4M▲ 107.9%	5.95M▲ 48.8%	-8.66M▼ 245.7%	186.11M▲ 2249.1%	-180.4M▼ 196.9%	1.47M▲ 100.8%	22.06M▲ 1399.8%	34.96M▲ 58.5%
Exchange Rate Effect	0	0	0	0	0	0	0	0	0
Cash at Beginning	120.44M	70.14M	74.13M	80.08M	71.42M	257.53M	77.13M	78.6M	100.66M
Cash at End	70.14M	74.13M	80.08M	71.42M	257.53M	77.13M	78.6M	100.66M	135.63M
Interest Paid	5M	8.71M	13.77M	6.01M	3.65M	10.78M	48.55M	49.05M	0
Income Taxes Paid	7.15M	11.3M	12M	14.49M	13.55M	13.16M	10.36M	8.66M	0
Free Cash Flow	38.54M▲ 0%	27.32M▼ 29.1%	45.95M▲ 68.2%	37.11M▼ 19.2%	52.28M▲ 40.9%	32.3M▼ 38.2%	51.83M▲ 60.5%	56M▲ 8.0%	32.17M▼ 42.5%
FCF Growth %	221.28%	-29.1%	68.19%	-19.24%	40.89%	-38.22%	60.46%	8.04%	-42.55%

BSRR Banking Ratios

Sierra Bancorp (BSRR) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Return on Equity (ROE)	8.87%	8.46%	11.22%	12.35%	10.85%	12.18%	10.11%	10.86%	11.67%	11.72%
Return on Assets (ROA)	0.92%	0.89%	1.22%	1.41%	1.22%	1.31%	0.96%	0.95%	1.1%	1.14%
Net Interest Margin	3.2%	3.23%	3.66%	3.75%	3.25%	3.23%	3.04%	3.01%	3.32%	3.26%
Efficiency Ratio	64.79%	61.68%	54.41%	49.24%	52.39%	56.17%	52.47%	40.26%	41.94%	45.96%
Equity / Assets	10.13%	10.94%	10.82%	11.92%	10.68%	10.75%	8.41%	9.06%	9.89%	9.53%
Book Value / Share	15.08	17.83	17.69	20.04	22.51	23.61	20.21	22.94	24.82	26.84
NII Growth	8.38%	16.18%	22.08%	5.38%	7.67%	4%	0.54%	2.55%	6.78%	3.88%
Dividend Payout	37.04%	40.61%	32.88%	31.51%	34.44%	30.76%	41.35%	39.36%	33.61%	32.45%

BSRR SEC Filings & Documents

Sierra Bancorp (BSRR) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

Material company update

Apr 27, 2026·SEC

Material company update

Apr 24, 2026·SEC

Material company update

Apr 20, 2026·SEC

10-K Annual Reports

FY 2026

Feb 27, 2026·SEC

FY 2025

Mar 3, 2025·SEC

FY 2024

Mar 22, 2024·SEC

10-Q Quarterly Reports

FY 2025

Oct 31, 2025·SEC

FY 2025

Aug 1, 2025·SEC

FY 2025

May 2, 2025·SEC

BSRR Frequently Asked Questions

Sierra Bancorp (BSRR) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

Sierra Bancorp (BSRR) grew revenue by 5.7% over the past year. This is steady growth.

Yes, Sierra Bancorp (BSRR) is profitable, generating $42.3M in net income for fiscal year 2025 (21.0% net margin).

Dividend & Returns

Yes, Sierra Bancorp (BSRR) pays a dividend with a yield of 2.56%. This makes it attractive for income-focused investors.

Sierra Bancorp (BSRR) has a return on equity (ROE) of 11.7%. This is reasonable for most industries.

Industry Metrics

Sierra Bancorp (BSRR) has a net interest margin (NIM) of 3.3%. This indicates healthy earnings from lending activities.

Sierra Bancorp (BSRR) has an efficiency ratio of 46.0%. This is excellent, indicating strong cost control.

What if you invested $1,000 in BSRR back in 1998?

Total return calculator · dividends reinvested · 28+ years of data

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Quarter

Date

EPS (Act vs Est)

Revenue (Act vs Est)

Q2 2026Latest

Apr 27, 2026

$0.96vs $0.82+17.1%

$39Mvs $40M-2.8%

Q1 2026

Feb 2, 2026

$0.97vs $0.85+14.1%

$39Mvs $40M-1.9%

Q4 2025

Oct 27, 2025

$0.72vs $0.79-8.9%

$38Mvs $40M-5.8%

Q3 2025

Jul 28, 2025

$0.78vs $0.74+5.4%

$37Mvs $39M-5.9%

Metric

Dec'17

Dec'18

Dec'19

Dec'20

Dec'21

Dec'22

Dec'23

Dec'24

Dec'25

Net Interest Income

75.69M

92.39M

97.37M

104.83M

109.03M

109.61M

112.41M

120.03M

124.69M

NII Growth %

16.18%

22.08%

5.38%

7.67%

0.54%

2.55%

6.78%

3.88%

Net Interest Margin %

3.23%

3.66%

3.75%

3.25%

3.23%

3.04%

3.01%

3.32%

3.26%

Interest Income

80.91M

101.64M

110.95M

110.24M

113.08M

121.82M

163.12M

172.35M

171.39M

Interest Expense

5.22M

9.24M

13.58M

5.41M

4.05M

12.2M

50.72M

52.32M

46.7M

Loan Loss Provision

-1.14M

4.35M

2.55M

8.55M

-3.65M

10.6M

3.73M

4.79M

6.09M

Non-Interest Income

16.34M

15.01M

14.84M

16.79M

18.35M

20.67M

5.8M

18.79M

30.59M

Non-Interest Income %

16.8%

12.87%

11.8%

13.22%

13.96%

14.51%

3.44%

9.83%

15.14%

Total Revenue

97.25M▲ 0%

116.65M▲ 19.9%

125.79M▲ 7.8%

127.03M▲ 1.0%

131.43M▲ 3.5%

142.49M▲ 8.4%

168.93M▲ 18.6%

191.14M▲ 13.2%

201.98M▲ 5.7%

Revenue Growth %

15.34%

19.95%

7.84%

0.99%

3.46%

8.42%

18.55%

13.15%

5.67%

Non-Interest Expense

59.99M

63.47M

61.94M

66.55M

73.83M

74.77M

68.02M

80.16M

92.84M

Efficiency Ratio

61.68%

54.41%

49.24%

52.39%

56.17%

52.47%

40.26%

41.94%

45.96%

Operating Income

33.18M▲ 0%

39.58M▲ 19.3%

47.72M▲ 20.5%

46.52M▼ 2.5%

57.2M▲ 22.9%

44.91M▼ 21.5%

46.46M▲ 3.4%

53.87M▲ 15.9%

56.4M▲ 4.7%

Operating Margin %

34.12%

33.93%

37.94%

36.62%

43.52%

31.52%

27.51%

28.18%

27.92%

Operating Income Growth %

25.84%

19.3%

20.55%

-2.5%

22.95%

-21.48%

3.45%

15.93%

4.69%

Pretax Income

33.18M▲ 0%

39.58M▲ 19.3%

47.72M▲ 20.5%

46.52M▼ 2.5%

57.2M▲ 22.9%

44.91M▼ 21.5%

46.46M▲ 3.4%

53.87M▲ 15.9%

56.34M▲ 4.6%

Pretax Margin %

34.12%

33.93%

37.94%

36.62%

43.52%

31.52%

27.51%

28.18%

27.9%

Income Tax

13.64M

9.91M

11.76M

11.08M

14.19M

11.26M

11.62M

13.31M

14.02M

Effective Tax Rate %

41.11%

25.03%

24.64%

23.81%

24.8%

25.06%

25.01%

24.7%

24.88%

Net Income

19.54M▲ 0%

29.68M▲ 51.9%

35.96M▲ 21.2%

35.44M▼ 1.4%

43.01M▲ 21.4%

33.66M▼ 21.7%

34.84M▲ 3.5%

40.56M▲ 16.4%

42.33M▲ 4.4%

Net Margin %

20.09%

25.44%

28.59%

27.9%

32.73%

23.62%

20.63%

21.22%

20.96%

Net Income Growth %

11.23%

51.89%

21.17%

-1.44%

21.35%

-21.75%

3.52%

16.4%

4.36%

Net Income (Continuing)

19.54M

29.68M

35.96M

35.44M

43.01M

33.66M

34.84M

40.56M

42.33M

EPS (Diluted)

1.36▲ 0%

1.92▲ 41.2%

2.33▲ 21.4%

2.32▼ 0.4%

2.80▲ 20.7%

2.24▼ 20.0%

2.36▲ 5.4%

2.82▲ 19.5%

3.11▲ 10.3%

EPS Growth %

5.43%

41.18%

21.35%

-0.43%

20.69%

-20%

5.36%

19.49%

10.28%

EPS (Basic)

1.38

1.94

2.35

2.33

2.82

2.25

2.37

2.84

3.14

Diluted Shares Outstanding

14.36M

15.43M

15.44M

15.28M

15.35M

15.02M

14.74M

14.4M

13.59M

Metric

Dec'17

Dec'18

Dec'19

Dec'20

Dec'21

Dec'22

Dec'23

Dec'24

Dec'25

Cash & Short Term Investments

628.47M

634.61M

680.88M

615.39M

1.23B

1.01B

1.1B

756.63M

1.05B

Cash & Due from Banks

70.14M

74.13M

80.08M

71.42M

257.53M

77.13M

78.6M

100.66M

135.63M

Short Term Investments

558.33M

560.48M

600.8M

543.97M

973.31M

934.92M

1.02B

655.97M

916.14M

Total Investments

2.12B

2.29B

2.36B

2.99B

2.96B

3.34B

3.45B

3.32B

3.49B

Investments Growth %

18.26%

8.14%

3.01%

26.59%

-0.99%

12.8%

3.26%

-3.68%

5.13%

Long-Term Investments

1.56B

1.73B

1.76B

2.45B

1.99B

2.41B

2.43B

2.67B

3.02B

Accounts Receivables

7.68M

8.59M

8.23M

16.07M

11.25M

18.35M

20.35M

16M

14.17M

Goodwill & Intangibles

33.59M

33.81M

32.74M

31.66M

30.63M

29.63M

28.76M

27.98M

27.41M

Goodwill

27.36M

Intangible Assets

6.23M

6.46M

5.38M

4.31M

3.27M

2.27M

1.4M

618K

52K

PP&E (Net)

29.39M

29.5M

27.43M

27.5M

23.57M

22.48M

16.91M

15.24M

14.97M

Other Assets

71.52M

73.6M

78.71M

81.72M

82.33M

85.04M

106.61M

108.83M

-3.05B

Total Current Assets

636.15M

643.2M

689.11M

631.47M

1.24B

1.03B

1.12B

772.63M

1.05B

Total Non-Current Assets

1.7B

1.88B

1.9B

2.59B

2.13B

2.58B

2.61B

2.84B

14.97M

Total Assets

2.34B▲ 0%

2.52B▲ 7.8%

2.59B▲ 2.8%

3.22B▲ 24.2%

3.37B▲ 4.7%

3.61B▲ 7.0%

3.73B▲ 3.4%

3.61B▼ 3.1%

3.83B▲ 5.9%

Asset Growth %

15.12%

7.79%

2.83%

24.17%

4.67%

7.05%

3.36%

-3.1%

5.95%

Return on Assets (ROA)

0.89%

1.22%

1.41%

1.22%

1.31%

0.96%

0.95%

1.1%

1.14%

Accounts Payable

Total Debt

64.64M

107.23M

80.66M

217.16M

191.38M

412.86M

552.59M

274.09M

519.05M

Net Debt

-5.5M

33.09M

579K

145.75M

-66.15M

335.73M

473.98M

173.43M

383.43M

Long-Term Debt

34.59M

34.77M

34.95M

35.12M

84.44M

84.69M

164.96M

165.23M

388.2M

Short-Term Debt

30.05M

72.46M

45.71M

182.04M

106.94M

328.17M

387.62M

108.86M

130.85M

Other Liabilities

31.33M

25.91M

35.5M

35.08M

35.57M

45.98M

77.89M

91.21M

3.08B

Total Current Liabilities

2.02B

2.19B

2.21B

2.81B

2.89B

3.17B

3.15B

1.86B

Total Non-Current Liabilities

65.92M

60.68M

70.45M

70.2M

120.01M

130.68M

242.86M

256.44M

3.46B

Total Liabilities

2.08B

2.25B

2.28B

2.88B

3.01B

3.31B

3.39B

3.26B

3.46B

Total Equity

255.94M▲ 0%

273.02M▲ 6.7%

309.29M▲ 13.3%

343.9M▲ 11.2%

362.49M▲ 5.4%

303.58M▼ 16.3%

338.1M▲ 11.4%

357.3M▲ 5.7%

364.86M▲ 2.1%

Equity Growth %

24.32%

6.67%

13.28%

11.19%

5.41%

-16.25%

11.37%

5.68%

2.12%

Equity / Assets (Capital Ratio)

10.94%

10.82%

11.92%

10.68%

10.75%

8.41%

9.06%

9.89%

9.53%

Return on Equity (ROE)

8.46%

11.22%

12.35%

10.85%

12.18%

10.11%

10.86%

11.67%

11.72%

Book Value per Share

17.83

17.69

20.04

22.51

23.61

20.21

22.94

24.82

26.84

Tangible BV per Share

15.49

15.50

17.91

20.43

21.62

18.24

20.99

22.88

24.83

Common Stock

111.14M

112.51M

113.18M

113.38M

113.01M

112.93M

110.45M

108.97M

103.39M

Additional Paid-in Capital

2.94M

3.07M

3.31M

3.74M

3.91M

4.15M

4.58M

4.51M

4.64M

Retained Earnings

144.2M

164.12M

186.87M

208.37M

234.41M

243.08M

259.05M

275.08M

280M

Accumulated OCI

-2.33M

-6.67M

5.93M

18.41M

11.17M

-56.58M

-35.98M

-31.26M

-23.17M

Treasury Stock

Preferred Stock

112.51M

113.18M

Metric

Dec'17

Dec'18

Dec'19

Dec'20

Dec'21

Dec'22

Dec'23

Dec'24

Dec'25

Cash from Operations

40.68M

30.45M

46.74M

40.03M

52.66M

33.57M

53.24M

57.15M

33.7M

Operating CF Growth %

161.08%

-25.16%

53.51%

-14.36%

31.55%

-36.24%

58.6%

7.34%

-41.03%

Net Income

19.54M

29.68M

35.96M

35.44M

43.01M

33.66M

34.84M

40.56M

42.33M

Depreciation & Amortization

3.54M

4.19M

4.06M

4.1M

4.27M

3.54M

3.23M

2.88M

Deferred Taxes

-1.13M

-308K

-97K

-2.61M

85K

311K

-2.34M

4.03M

Other Non-Cash Items

5.39M

9.81M

8.3M

13.9M

1.43M

13.26M

6.07M

6.2M

12.69M

Working Capital Changes

12.86M

-13.3M

-1.98M

-11.5M

2.87M

-18.47M

9.7M

1.53M

-21.31M

Cash from Investing

-51.67M

-188.19M

-53.29M

-627.25M

20.62M

-481M

-83.69M

141.23M

-183.49M

Purchase of Investments

-184.09M

-122.82M

-190.17M

-71.82M

-578.57M

-534.06M

-204.15M

-151.05M

Sale/Maturity of Investments

149.82M

109.06M

163.09M

141.95M

123.66M

129.74M

142.03M

531.92M

Net Investment Activity

-34.27M

-13.76M

-27.08M

70.13M

-454.92M

-404.32M

-62.12M

380.86M

Acquisitions

61.57M

-6K

Other Investing

-76.83M

-171.3M

-25.42M

-694.47M

475.91M

-75.4M

-20.15M

-238.48M

-183.49M

Cash from Financing

-39.31M

161.74M

12.5M

578.57M

112.83M

267.03M

31.92M

-176.32M

184.75M

Dividends Paid

-7.93M

-9.76M

-11.33M

-12.21M

-13.23M

-13.92M

-13.71M

-13.63M

-13.73M

Share Repurchases

-2.54M

-2.56M

-5.22M

-5.19M

-8.88M

-15.84M

-31.83M

Stock Issued

1.47M

854K

Net Stock Activity

-2.54M

-2.56M

-5.22M

-5.19M

-8.88M

-14.37M

-30.98M

Debt Issuance (Net)

-1000K

1000K

-1000K

1000K

-1000K

1000K

Other Financing

36.12M

137.29M

62.47M

570.43M

125.05M

192.14M

-81.99M

130.44M

216.76M

Net Change in Cash

-50.3M▲ 0%

4M▲ 107.9%

5.95M▲ 48.8%

-8.66M▼ 245.7%

186.11M▲ 2249.1%

-180.4M▼ 196.9%

1.47M▲ 100.8%

22.06M▲ 1399.8%

34.96M▲ 58.5%

Exchange Rate Effect

Cash at Beginning

120.44M

70.14M

74.13M

80.08M

71.42M

257.53M

77.13M

78.6M

100.66M

Cash at End

70.14M

74.13M

80.08M

71.42M

257.53M

77.13M

78.6M

100.66M

135.63M

Interest Paid

8.71M

13.77M

6.01M

3.65M

10.78M

48.55M

49.05M

Income Taxes Paid

7.15M

11.3M

12M

14.49M

13.55M

13.16M

10.36M

8.66M

Free Cash Flow

38.54M▲ 0%

27.32M▼ 29.1%

45.95M▲ 68.2%

37.11M▼ 19.2%

52.28M▲ 40.9%

32.3M▼ 38.2%

51.83M▲ 60.5%

56M▲ 8.0%

32.17M▼ 42.5%

FCF Growth %

221.28%

-29.1%

68.19%

-19.24%

40.89%

-38.22%

60.46%

8.04%

-42.55%

Metric

2016

2017

2018

2019

2020

2021

2022

2023

2024

2025

Return on Equity (ROE)

8.87%

8.46%

11.22%

12.35%

10.85%

12.18%

10.11%

10.86%

11.67%

11.72%

Return on Assets (ROA)

0.92%

0.89%

1.22%

1.41%

1.22%

1.31%

0.96%

0.95%

1.1%

1.14%

Net Interest Margin

3.2%

3.23%

3.66%

3.75%

3.25%

3.23%

3.04%

3.01%

3.32%

3.26%

Efficiency Ratio

64.79%

61.68%

54.41%

49.24%

52.39%

56.17%

52.47%

40.26%

41.94%

45.96%

Equity / Assets

10.13%

10.94%

10.82%

11.92%

10.68%

10.75%

8.41%

9.06%

9.89%

9.53%

Book Value / Share

15.08

17.83

17.69

20.04

22.51

23.61

20.21

22.94

24.82

26.84

NII Growth

8.38%

16.18%

22.08%

5.38%

7.67%

0.54%

2.55%

6.78%

3.88%

Dividend Payout

37.04%

40.61%

32.88%

31.51%

34.44%

30.76%

41.35%

39.36%

33.61%

32.45%

Sierra Bancorp(BSRR)Earnings, Financials & Key Ratios

BSRR Key Insights

✓Strengths

✗Weaknesses

BSRR Price & Volume

BSRR Growth Metrics

Revenue CAGR

Profit CAGR

EPS CAGR

Return on Capital

BSRR Recent Earnings

BSRR Peer Comparison

Compare BSRR vs Peers

vs CVBF

vs FIS

Compare Top 5

BSRR Income Statement

BSRR Balance Sheet

BSRR Cash Flow Statement

BSRR Banking Ratios

BSRR SEC Filings & Documents

8-K Announcements

10-K Annual Reports

10-Q Quarterly Reports

BSRR Frequently Asked Questions

Sierra Bancorp(BSRR)Earnings, Financials & Key Ratios

BSRR Key Insights

✓Strengths

✗Weaknesses

BSRR Price & Volume

BSRR Growth Metrics

Revenue CAGR

Profit CAGR

EPS CAGR

Return on Capital

BSRR Recent Earnings

BSRR Peer Comparison

Compare BSRR vs Peers

vs CVBF

vs FIS

Compare Top 5

BSRR Income Statement

BSRR Balance Sheet

BSRR Cash Flow Statement

BSRR Banking Ratios

BSRR SEC Filings & Documents

8-K Announcements

10-K Annual Reports

10-Q Quarterly Reports

BSRR Frequently Asked Questions