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Sierra Bancorp(BSRR)Earnings, Financials & Key Ratios
BSRR•NASDAQ•Banking & Credit
$36.85
$482M mkt cap·11.8× P/E·Price updated May 6, 2026
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%
- Tangible BV/Share24.83+8.5%
- Debt/Equity1.42+85.4%
BSRR Key Insights
Sierra Bancorp (BSRR) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Efficient operations: 46.0% efficiency ratio
- ✓14 consecutive years of dividend growth
- ✓Healthy dividend yield of 2.7%
- ✓Share count reduced 5.6% through buybacks
- ✓Trading near 52-week high
- ✓Trading at only 1.4x 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.
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
●Beat EPS 8/12 qtrs (73%)●Beat Revenue 1/12 qtrs (9%)
Q2 2026Latest
Apr 27, 2026EPS
$0.96
Est $0.82
+17.1%
Revenue
$39M
Est $40M
-2.8%
Q1 2026
Feb 2, 2026EPS
$0.97
Est $0.85
+14.1%
Revenue
$39M
Est $40M
-1.9%
Q4 2025
Oct 27, 2025EPS
$0.72
Est $0.79
-8.9%
Revenue
$38M
Est $40M
-5.8%
Q3 2025
Jul 28, 2025EPS
$0.78
Est $0.74
+5.4%
Revenue
$37M
Est $39M
-5.9%
| 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 →
BSRR Peer Comparison
Sierra Bancorp (BSRR) competitors in Community and retail regional banks — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 CVBF | 2.8B | 20.63 | 13.57 | -2.33% | 9.25% | 0.43 | ||
 WAFD | 2.72B | 35.64 | 13.55 | -1.58% | 8.02% | 0.60 | ||
 BANR | 2.24B | 66.23 | 11.74 | -0.95% | 10.34% | 0.19 | ||
 HAFC | 909.33M | 30.42 | 12.12 | 3.55% | 9.85% | 0.35 | ||
 FFIN | 4.64B | 32.60 | 20.90 | 18.79% | 13.25% | 0.12 | ||
 BOKF | 10.44B | 135.54 | 16.65 | 10.4% | 8.91% | 0.80 | ||
 UMBF | 10.2B | 133.96 | 14.67 | 68.52% | 11.67% | 0.49 | ||
 SFNC | 3.13B | 21.59 | -7.32 | -56.66% | -11.63% | 0.19 |
Compare BSRR vs Peers
Sierra Bancorp (BSRR) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
BSRR Income Statement
Sierra Bancorp (BSRR) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | 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
| Line item | 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
| Line item | 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)
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 2.74%. 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.
Explore More BSRR
Sierra Bancorp (BSRR) financial analysis — history, returns, DCA and operating performance tools
Total Return Calculator
Historical returns with dividends reinvested
DCA Calculator
Dollar cost averaging vs lump sum
Dividend History
Yield, growth, payout safety & DRIP
Earnings History
EPS trends, net income & profitability
Price History
Long-term charts & historical price data
Revenue History
Sales growth patterns & revenue breakdown
Financial Ratios
30 years of market, efficiency and balance-sheet ratios
Valuation
DCF intrinsic value, peer multiples & estimates