Sierra Bancorp (BSRR) Financial Ratios
28 years of historical data (1998–2025) · Financial Services · Banks - Regional
EV/EBITDA
↑
15.35
↑+27% vs avg
5yr avg: 12.10
30Y Low5.2·High16.9
P/FCF
↑
15.00
↑+65% vs avg
5yr avg: 9.10
30Y Low2.9·High36.5
P/B Ratio
↑
1.37
↑+23% vs avg
5yr avg: 1.11
30Y Low0.6·High3.3
ROE
↓
11.7%
↓+4% vs avg
5yr avg: 11.3%
30Y Low5%·High23%
Debt/EBITDA
↑
9.20
↑+25% vs avg
5yr avg: 7.36
30Y Low1.0·High11.1
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
BSRR Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Sierra Bancorp trades at 11.8x earnings, 20% above its 5-year average of 9.9x, sitting at the 36th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.4x, the stock trades at a discount of 11%. On a free-cash-flow basis, the stock trades at 15.0x P/FCF, 65% above the 5-year average of 9.1x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $482M | $444M | $416M | $332M | $319M | $417M | $365M | $450M | $371M | $381M | $363M |
| Enterprise Value | $866M | $828M | $590M | $806M | $655M | $351M | $511M | $450M | $404M | $376M | $350M |
| P/E Ratio → | 11.85 | 10.51 | 10.26 | 9.56 | 9.48 | 9.70 | 10.31 | 12.50 | 12.52 | 19.53 | 20.61 |
| P/S Ratio | 2.39 | 2.20 | 2.18 | 1.97 | 2.24 | 3.17 | 2.88 | 3.57 | 3.18 | 3.92 | 4.31 |
| P/B Ratio | 1.37 | 1.22 | 1.17 | 0.98 | 1.05 | 1.15 | 1.06 | 1.45 | 1.36 | 1.49 | 1.76 |
| P/FCF | 15.00 | 13.81 | 7.43 | 6.41 | 9.88 | 7.97 | 9.85 | 9.78 | 13.57 | 9.90 | 30.26 |
| P/OCF | 14.31 | 13.18 | 7.28 | 6.24 | 9.50 | 7.92 | 9.13 | 9.62 | 12.18 | 9.37 | 23.30 |
P/E links to full P/E history page with 30-year chart
BSRR EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Sierra Bancorp's enterprise value stands at 15.4x EBITDA, 27% above its 5-year average of 12.1x. The Financial Services sector median is 11.4x, placing the stock at a 35% premium on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 4.10 | 3.09 | 4.77 | 4.60 | 2.67 | 4.02 | 3.58 | 3.46 | 3.86 | 4.15 |
| EV / EBITDA | 15.35 | 14.68 | 10.39 | 16.23 | 13.52 | 5.71 | 10.10 | 8.69 | 9.23 | 10.24 | 11.98 |
| EV / EBIT | 15.35 | 14.68 | 10.95 | 17.35 | 14.58 | 6.13 | 10.99 | 9.43 | 10.20 | 11.33 | 13.28 |
| EV / FCF | — | 25.72 | 10.53 | 15.56 | 20.27 | 6.71 | 13.78 | 9.79 | 14.78 | 9.75 | 29.18 |
BSRR Profitability
Margins and return-on-capital ratios measuring operating efficiency
Sierra Bancorp earns an operating margin of 27.9%, above the Financial Services sector average of 21.2%. ROE of 11.7% is modest. ROIC of 5.6% represents adequate returns on invested capital versus a sector median of 5.7%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 73.9% | 73.9% | 70.1% | 67.8% | 84.0% | 99.7% | 89.0% | 87.2% | 88.3% | 95.8% | 96.1% |
| Operating Margin | 27.9% | 27.9% | 28.2% | 27.5% | 31.5% | 43.5% | 36.6% | 37.9% | 33.9% | 34.1% | 31.3% |
| Net Profit Margin | 21.0% | 21.0% | 21.2% | 20.6% | 23.6% | 32.7% | 27.9% | 28.6% | 25.4% | 20.1% | 20.8% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 11.7% | 11.7% | 11.7% | 10.9% | 10.1% | 12.2% | 10.9% | 12.4% | 11.2% | 8.5% | 8.9% |
| ROA | 1.1% | 1.1% | 1.1% | 0.9% | 1.0% | 1.3% | 1.2% | 1.4% | 1.2% | 0.9% | 0.9% |
| ROIC | 5.6% | 5.6% | 5.3% | 4.3% | 5.3% | 7.7% | 7.3% | 9.3% | 8.5% | 7.9% | 6.4% |
| ROCE | 4.4% | 4.4% | 9.0% | 9.2% | 9.8% | 12.8% | 11.7% | 13.4% | 12.1% | 11.3% | 10.3% |
BSRR Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Sierra Bancorp carries a Debt/EBITDA ratio of 9.2x, which is highly leveraged (123% above the sector average of 4.1x). Net debt stands at $383M ($519M total debt minus $136M cash). Interest coverage of just 1.2x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 1.42 | 1.42 | 0.77 | 1.63 | 1.36 | 0.53 | 0.63 | 0.26 | 0.39 | 0.25 | 0.52 |
| Debt / EBITDA | 9.20 | 9.20 | 4.83 | 11.12 | 8.52 | 3.11 | 4.29 | 1.56 | 2.45 | 1.76 | 3.68 |
| Net Debt / Equity | — | 1.05 | 0.49 | 1.40 | 1.11 | -0.18 | 0.42 | 0.00 | 0.12 | -0.02 | -0.06 |
| Net Debt / EBITDA | 6.80 | 6.80 | 3.06 | 9.54 | 6.93 | -1.08 | 2.88 | 0.01 | 0.76 | -0.15 | -0.44 |
| Debt / FCF | — | 11.92 | 3.10 | 9.14 | 10.39 | -1.27 | 3.93 | 0.01 | 1.21 | -0.14 | -1.08 |
| Interest Coverage | 1.21 | 1.21 | 1.03 | 0.92 | 3.68 | 14.12 | 8.60 | 3.51 | 4.28 | 6.35 | 7.93 |
BSRR Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.57x is below 1.0, meaning current liabilities exceed current assets. The current ratio has improved from 0.36x to 0.57x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.57 | 0.57 | 0.26 | 0.36 | 0.32 | 0.43 | 0.22 | 0.31 | 0.29 | 0.32 | 0.37 |
| Quick Ratio | 0.57 | 0.57 | 0.26 | 0.36 | 0.32 | 0.43 | 0.22 | 0.31 | 0.29 | 0.32 | 0.37 |
| Cash Ratio | 0.07 | 0.07 | 0.03 | 0.02 | 0.02 | 0.09 | 0.03 | 0.04 | 0.03 | 0.03 | 0.07 |
| Asset Turnover | — | 0.05 | 0.05 | 0.05 | 0.04 | 0.04 | 0.04 | 0.05 | 0.05 | 0.04 | 0.04 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
BSRR Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Sierra Bancorp returns 9.3% to shareholders annually — split between a 2.7% dividend yield and 6.6% buyback yield. The payout ratio of 32.4% is conservative, leaving significant room for dividend growth or reinvestment. The earnings yield of 8.4% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 2.7% | 3.1% | 3.3% | 4.1% | 4.4% | 3.2% | 3.3% | 2.5% | 2.6% | 2.1% | 1.8% |
| Payout Ratio | 32.4% | 32.4% | 33.6% | 39.4% | 41.4% | 30.8% | 34.4% | 31.5% | 32.9% | 40.6% | 37.0% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 8.4% | 9.5% | 9.8% | 10.5% | 10.5% | 10.3% | 9.7% | 8.0% | 8.0% | 5.1% | 4.9% |
| FCF Yield | 6.7% | 7.2% | 13.5% | 15.6% | 10.1% | 12.5% | 10.2% | 10.2% | 7.4% | 10.1% | 3.3% |
| Buyback Yield | 6.6% | 7.2% | 3.8% | 2.7% | 1.6% | 1.3% | 0.7% | 0.6% | 0.0% | 0.0% | 0.6% |
| Total Shareholder Yield | 9.3% | 10.3% | 7.1% | 6.8% | 6.0% | 4.4% | 4.0% | 3.1% | 2.6% | 2.1% | 2.4% |
| Shares Outstanding | — | $14M | $14M | $15M | $15M | $15M | $15M | $15M | $15M | $14M | $14M |
Peer Comparison
Compare BSRR with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 BSRRYou | $482M | 11.8 | 15.4 | 15.0 | 73.9% | 27.9% | 11.7% | 5.6% | 9.2 |
 CVBF | $3B | 13.6 | 13.1 | 12.9 | 79.9% | 43.8% | 9.3% | 6.8% | 3.5 |
 WAFD | $3B | 13.6 | 13.0 | 13.1 | 50.9% | 20.5% | 7.5% | 3.9% | 6.1 |
 BANR | $2B | 11.7 | 9.6 | 9.0 | 79.0% | 29.5% | 10.5% | 7.7% | 1.5 |
 HAFC | $909M | 12.1 | 8.6 | 4.5 | 57.5% | 24.3% | 10.0% | 7.4% | 2.5 |
 FFIN | $5B | 20.9 | 14.3 | 15.8 | 70.8% | 36.8% | 14.4% | 11.0% | 0.7 |
 BOKF | $10B | 16.7 | 17.4 | 7.3 | 57.1% | 19.8% | 9.8% | 4.1% | 5.8 |
 UMBF | $10B | 14.7 | 12.3 | 10.4 | 54.4% | 20.3% | 12.6% | 7.5% | 3.6 |
 SFNC | $3B | -7.3 | — | 7.0 | 5.8% | -84.2% | -11.4% | -9.1% | — |
 IBCP | $696M | 10.3 | 9.4 | 9.9 | 69.6% | 25.8% | 14.3% | 10.2% | 1.4 |
 NBTB | $2B | 13.6 | 10.4 | 10.8 | 72.1% | 25.3% | 9.9% | 7.9% | 1.4 |
| Financial Services Median | — | 13.4 | 11.4 | 10.6 | 63.4% | 21.2% | 9.4% | 5.7% | 4.1 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
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Includes 30+ ratios · 28 years · Updated daily
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Start ComparisonBSRR — Frequently Asked Questions
Quick answers to the most common questions about buying BSRR stock.
What is Sierra Bancorp's P/E ratio?
Sierra Bancorp's current P/E ratio is 11.8x. The historical average is 13.8x. This places it at the 36th percentile of its historical range.
What is Sierra Bancorp's EV/EBITDA?
Sierra Bancorp's current EV/EBITDA is 15.4x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 11.0x.
What is Sierra Bancorp's ROE?
Sierra Bancorp's return on equity (ROE) is 11.7%. The historical average is 12.6%.
Is BSRR stock overvalued?
Based on historical data, Sierra Bancorp is trading at a P/E of 11.8x. This is at the 36th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is Sierra Bancorp's dividend yield?
Sierra Bancorp's current dividend yield is 2.74% with a payout ratio of 32.4%.
What are Sierra Bancorp's profit margins?
Sierra Bancorp has 73.9% gross margin and 27.9% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
How much debt does Sierra Bancorp have?
Sierra Bancorp's Debt/EBITDA ratio is 9.2x, indicating high leverage. A ratio above 4x may signal elevated financial risk.