Last 47 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 | Q2 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 13.07 | 8.83 | 8.42 | 10.04 | 9.52 | 10.72 | 10.04 | 9.76 | 7.88 | 7.89 | 13.11 | 6.97 | 6.33 | 7.42 | 11.30 | 7.48 | 8.91 | 12.74 | 10.77 | 8.80 | 8.37 |
| — | -17.6% | -16.1% | +2.9% | +20.8% | +35.9% | -23.4% | +40.0% | +24.4% | +6.3% | +16.0% | -6.8% | -28.9% | -41.8% | +4.9% | -15.0% | +6.4% | +37.0% | +4.5% | +40.4% | -4.2% | |
| P/S Ratio | 2.63 | 2.26 | 2.15 | 1.99 | 2.09 | 2.11 | 2.32 | 2.06 | 1.64 | 1.55 | 2.50 | 1.45 | 1.36 | 1.54 | 1.96 | 2.07 | 2.26 | 3.16 | 3.23 | 2.84 | 3.02 |
| — | +7.1% | -7.0% | -3.4% | +27.0% | +35.7% | -7.3% | +42.3% | +20.9% | +1.2% | +27.4% | -29.9% | -39.9% | -51.3% | -39.2% | -27.3% | -25.2% | +11.3% | +16.5% | +51.0% | +25.5% | |
| P/B Ratio | 1.51 | 1.22 | 1.20 | 1.10 | 1.15 | 1.10 | 1.16 | 1.15 | 0.92 | 0.85 | 0.97 | 0.90 | 0.81 | 0.84 | 1.05 | 1.00 | 1.09 | 1.16 | 1.15 | 1.02 | 1.09 |
| — | +10.7% | +3.3% | -4.9% | +25.1% | +29.5% | +19.0% | +28.5% | +13.7% | +1.2% | -7.3% | -10.6% | -25.8% | -27.4% | -8.4% | -1.7% | -0.3% | -1.9% | +6.6% | +33.0% | +24.5% | |
| P/FCF | 16.53 | 10.11 | 8.05 | 6.73 | — | 2.41 | 4.72 | 3.79 | 398.33 | 11.12 | 20.18 | 3.61 | 4.17 | 6.39 | — | 3.96 | 17.42 | 10.34 | — | 1.62 | 15.27 |
| — | +319.6% | +70.5% | +77.3% | — | -78.3% | -76.6% | +5.2% | +9460.3% | +74.1% | — | -9.0% | -76.1% | -38.3% | — | +144.0% | +14.1% | +46.9% | — | -86.6% | +141.9% | |
| EV / EBITDA | 15.50 | 9.94 | 11.54 | 12.50 | 11.19 | 9.89 | 11.05 | 9.46 | 7.54 | 8.61 | 22.20 | 12.14 | 11.06 | 11.61 | 16.55 | 9.01 | 6.85 | 7.17 | 6.42 | 2.14 | 1.81 |
| — | +0.5% | +4.4% | +32.2% | +48.3% | +14.9% | -50.2% | -22.1% | -31.8% | -25.9% | +34.1% | +34.8% | +61.6% | +61.9% | +157.8% | +321.5% | +278.6% | +191.5% | -35.6% | -68.9% | -76.9% | |
| EV / EBIT | 16.23 | 10.26 | 11.94 | 13.17 | 11.73 | 10.44 | 11.65 | 9.92 | 7.94 | 9.12 | 24.32 | 12.87 | 11.74 | 12.45 | 18.15 | 9.60 | 7.34 | 7.80 | 6.88 | 2.28 | 1.97 |
| — | -1.8% | +2.5% | +32.7% | +47.8% | +14.5% | -52.1% | -22.9% | -32.4% | -26.7% | +34.0% | +34.0% | +59.9% | +59.5% | +163.9% | +321.9% | +273.4% | +195.4% | -36.4% | -69.1% | -77.1% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 | Q2 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 73.9% | 78.4% | 79.3% | 68.5% | 73.0% | 70.8% | 66.0% | 69.4% | 71.0% | 73.8% | 45.0% | 70.2% | 72.8% | 77.3% | 68.7% | 88.1% | 88.8% | 93.9% | 99.6% | 99.0% | 103.7% |
| — | +10.7% | +20.1% | -1.3% | +2.8% | -4.1% | +46.8% | -1.1% | -2.5% | -4.5% | -34.5% | -20.3% | -18.0% | -17.7% | -31.1% | -11.1% | -14.4% | -3.0% | +9.9% | +9.6% | +17.2% | |
| Operating Margin | 27.9% | 34.0% | 33.9% | 25.6% | 29.0% | 26.7% | 28.2% | 28.7% | 29.0% | 26.8% | 25.1% | 27.8% | 29.1% | 27.3% | 22.2% | 37.0% | 34.7% | 33.9% | 39.5% | 42.6% | 48.4% |
| — | +27.5% | +20.1% | -10.8% | +0.2% | -0.3% | +12.6% | +3.2% | -0.6% | -1.8% | +13.0% | -24.8% | -15.9% | -19.6% | -43.7% | -13.3% | -28.4% | -17.3% | +10.5% | +8.2% | +33.8% | |
| Net Margin | 21.0% | 25.5% | 25.5% | 19.5% | 21.7% | 19.8% | 23.2% | 21.1% | 20.9% | 19.7% | 19.1% | 20.6% | 21.5% | 20.8% | 17.5% | 27.7% | 25.5% | 24.8% | 29.9% | 32.3% | 36.2% |
| — | +28.6% | +9.6% | -7.5% | +3.6% | +0.3% | +21.6% | +2.3% | -2.7% | -5.2% | +9.1% | -25.5% | -15.7% | -15.9% | -41.4% | -14.4% | -29.4% | -18.9% | +11.1% | +7.2% | +30.1% |
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 | Q2 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 11.7% | 3.4% | 3.6% | 2.7% | 3.0% | 2.6% | 2.9% | 3.0% | 3.0% | 2.7% | 1.9% | 3.2% | 3.2% | 2.9% | 2.4% | 3.3% | 2.9% | 2.2% | 2.6% | 2.9% | 3.3% |
| — | +33.9% | +22.9% | -9.4% | +1.8% | -6.0% | +48.9% | -6.4% | -8.2% | -4.7% | -18.2% | -4.4% | +9.2% | +33.2% | -10.2% | +13.9% | -11.2% | -32.8% | +0.2% | -5.9% | +29.3% | |
| ROA | 1.1% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.2% | 0.3% | 0.3% | 0.2% | 0.2% | 0.3% | 0.3% | 0.2% | 0.3% | 0.3% | 0.4% |
| — | +31.0% | +20.7% | -9.8% | +1.6% | -1.6% | +68.3% | +9.0% | +6.6% | +6.9% | -15.5% | -8.1% | -1.5% | +9.9% | -29.5% | -9.2% | -23.9% | -35.5% | +1.0% | -3.8% | +23.5% | |
| ROIC | 5.6% | 1.5% | 1.6% | 1.3% | 1.5% | 1.5% | 1.5% | 1.6% | 1.6% | 1.2% | 0.7% | 1.2% | 1.3% | 1.2% | 1.0% | 1.8% | 1.8% | 1.4% | 1.7% | 2.1% | 2.6% |
| — | +5.0% | +8.2% | -21.5% | -6.0% | +16.5% | +102.2% | +31.8% | +22.2% | +2.9% | -29.2% | -31.2% | -26.7% | -14.7% | -40.7% | -13.0% | -29.4% | -36.3% | +9.6% | +16.5% | +64.5% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 | Q2 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 1.42 | 1.10 | 1.42 | 1.03 | 1.09 | 0.81 | 0.77 | 0.81 | 0.89 | 0.83 | 1.63 | 1.61 | 1.56 | 1.29 | 1.36 | 1.02 | 0.68 | 0.59 | 0.53 | 0.49 | 0.30 |
| — | +35.6% | +85.4% | +26.5% | +22.3% | -2.9% | -53.1% | -49.6% | -42.8% | -35.5% | +20.2% | +58.3% | +130.7% | +118.3% | +157.6% | +109.2% | +129.2% | +124.0% | -16.4% | -28.9% | -59.6% | |
| Debt / EBITDA | 8.79 | 23.08 | 29.22 | 27.60 | 26.06 | 21.94 | 20.64 | 19.23 | 20.94 | 21.40 | 61.12 | 35.18 | 33.94 | 32.21 | 41.78 | 21.19 | 15.13 | 17.43 | 14.07 | 11.89 | 6.21 |
| — | +5.2% | +41.6% | +43.5% | +24.4% | +2.5% | -66.2% | -45.3% | -38.3% | -33.6% | +46.3% | +66.0% | +124.4% | +84.8% | +196.9% | +78.2% | +143.6% | +203.3% | -16.2% | -24.8% | -69.3% | |
| Current Ratio | 0.19 | 0.19 | 0.19 | 0.22 | 0.35 | 0.21 | 0.26 | 0.27 | 0.29 | 0.29 | 0.36 | 0.34 | 0.35 | 0.34 | 0.32 | 0.37 | 0.35 | 0.43 | 0.43 | 0.40 | 0.34 |
| — | -7.8% | -25.6% | -18.2% | +18.6% | -27.9% | -27.5% | -20.8% | -16.6% | -15.9% | +9.4% | -7.9% | +1.1% | -19.8% | -24.5% | -5.9% | +0.2% | +39.2% | +91.1% | +65.8% | +23.7% | |
| Quick Ratio | 0.19 | 0.19 | 0.19 | 0.22 | 0.35 | 0.21 | 0.26 | 0.27 | 0.29 | 0.29 | 0.36 | 0.34 | 0.35 | 0.34 | 0.32 | 0.37 | 0.35 | 0.43 | 0.43 | 0.40 | 0.34 |
| — | -7.8% | -25.6% | -18.2% | +18.6% | -27.9% | -27.5% | -20.8% | -16.6% | -15.9% | +9.4% | -7.9% | +1.1% | -19.8% | -24.5% | -5.9% | +0.2% | +39.2% | +91.1% | +65.8% | +23.7% | |
| Interest Coverage | 1.21 | 1.58 | 1.52 | 1.06 | 1.18 | 1.08 | 0.99 | 1.03 | 1.07 | 1.03 | 0.57 | 0.93 | 1.07 | 1.23 | 1.44 | 4.40 | 7.71 | 7.65 | 9.54 | 15.31 | 17.35 |
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Includes 30+ ratios · 47 years · Updated daily
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Quick answers to the most common questions about buying BSRR stock.
Sierra Bancorp's current P/E is 13.1x. The average P/E over the last 4 quarters is 9.2x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Sierra Bancorp's current operating margin is 27.9%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Sierra Bancorp's business trajectory between earnings reports.