Last 47 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Sierra Bancorp's quarterly P/E stands at 8.4x, down 16.1% year-over-year — suggesting improving earnings relative to price. EV/EBITDA has expanded 8.0% YoY to 11.9x, reflecting rising market expectations or slowing EBITDA growth.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 12.14 | 8.42 | 10.04 | 9.52 | 10.72 | 10.04 | 9.76 | 7.88 | 7.89 | 13.11 | 6.97 | 6.33 | 7.42 |
| — | -16.1% | +2.9% | +20.8% | +35.9% | -23.4% | +40.0% | +24.4% | +6.3% | +16.0% | -6.8% | -28.9% | -41.8% | |
| P/S Ratio | 2.45 | 2.15 | 1.99 | 2.09 | 2.11 | 2.32 | 2.06 | 1.64 | 1.55 | 2.50 | 1.45 | 1.36 | 1.54 |
| — | -7.0% | -3.4% | +27.0% | +35.7% | -7.3% | +42.3% | +20.9% | +1.2% | +27.4% | -29.9% | -39.9% | -51.3% | |
| P/B Ratio | 1.41 | 1.20 | 1.10 | 1.15 | 1.10 | 1.16 | 1.15 | 0.92 | 0.85 | 0.97 | 0.90 | 0.81 | 0.84 |
| — | +3.3% | -4.9% | +25.1% | +29.5% | +19.0% | +28.5% | +13.7% | +1.2% | -7.3% | -10.6% | -25.8% | -27.4% | |
| P/FCF | 15.37 | 8.54 | 6.73 | — | 2.41 | 4.72 | 3.79 | 398.33 | 11.12 | 20.18 | 3.61 | 4.17 | 6.39 |
| — | +80.8% | +77.3% | — | -78.3% | -76.6% | +5.2% | +9460.3% | +74.1% | — | -9.0% | -76.1% | -38.3% | |
| EV / EBITDA | 15.57 | 11.94 | 12.50 | 11.19 | 9.89 | 11.05 | 9.46 | 7.54 | 8.61 | 22.20 | 12.14 | 11.06 | 11.61 |
| — | +8.0% | +32.2% | +48.3% | +14.9% | -50.2% | -22.1% | -31.8% | -25.9% | +34.1% | +34.8% | +61.6% | +61.9% | |
| EV / EBIT | 15.57 | 11.94 | 13.17 | 11.73 | 10.44 | 11.65 | 9.92 | 7.94 | 9.12 | 24.32 | 12.87 | 11.74 | 12.45 |
| — | +2.5% | +32.7% | +47.8% | +14.5% | -52.1% | -22.9% | -32.4% | -26.7% | +34.0% | +34.0% | +59.9% | +59.5% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Sierra Bancorp's operating margin was 33.9% in Q4 2025, up 8.4 pp QoQ and up 5.7 pp YoY. The trailing four-quarter average of 28.8% lags the current quarter, suggesting the recent improvement is above-trend. Gross margin expanded 20.1% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 73.9% | 79.3% | 68.5% | 73.0% | 70.8% | 66.0% | 69.4% | 71.0% | 73.8% | 45.0% | 70.2% | 72.8% | 77.3% |
| — | +20.1% | -1.3% | +2.8% | -4.1% | +46.8% | -1.1% | -2.5% | -4.5% | -34.5% | -20.3% | -18.0% | -17.7% | |
| Operating Margin | 27.9% | 33.9% | 25.6% | 29.0% | 26.7% | 28.2% | 28.7% | 29.0% | 26.8% | 25.1% | 27.8% | 29.1% | 27.3% |
| — | +20.1% | -10.8% | +0.2% | -0.3% | +12.6% | +3.2% | -0.6% | -1.8% | +13.0% | -24.8% | -15.9% | -19.6% | |
| Net Margin | 21.0% | 25.5% | 19.5% | 21.7% | 19.8% | 23.2% | 21.1% | 20.9% | 19.7% | 19.1% | 20.6% | 21.5% | 20.8% |
| — | +9.6% | -7.5% | +3.6% | +0.3% | +21.6% | +2.3% | -2.7% | -5.2% | +9.1% | -25.5% | -15.7% | -15.9% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 11.7% | 3.6% | 2.7% | 3.0% | 2.6% | 2.9% | 3.0% | 3.0% | 2.7% | 1.9% | 3.2% | 3.2% | 2.9% |
| — | +22.9% | -9.4% | +1.8% | -6.0% | +48.9% | -6.4% | -8.2% | -4.7% | -18.2% | -4.4% | +9.2% | +33.2% | |
| ROA | 1.1% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.2% | 0.3% | 0.3% | 0.2% |
| — | +20.7% | -9.8% | +1.6% | -1.6% | +68.3% | +9.0% | +6.6% | +6.9% | -15.5% | -8.1% | -1.5% | +9.9% | |
| ROIC | 5.6% | 1.6% | 1.3% | 1.5% | 1.5% | 1.5% | 1.6% | 1.6% | 1.2% | 0.7% | 1.2% | 1.3% | 1.2% |
| — | +8.2% | -21.5% | -6.0% | +16.5% | +102.2% | +31.8% | +22.2% | +2.9% | -29.2% | -31.2% | -26.7% | -14.7% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Sierra Bancorp's Debt/EBITDA ratio is 30.2x, up from 27.6x last quarter — elevated, raising questions about debt serviceability. The current ratio has improved 119.6% YoY to 0.57x, strengthening the short-term liquidity position.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 1.42 | 1.42 | 1.03 | 1.09 | 0.81 | 0.77 | 0.81 | 0.89 | 0.83 | 1.63 | 1.61 | 1.56 | 1.29 |
| — | +85.4% | +26.5% | +22.3% | -2.9% | -53.1% | -49.6% | -42.8% | -35.5% | +20.2% | +58.3% | +130.7% | +118.3% | |
| Debt / EBITDA | 9.20 | 30.24 | 27.60 | 26.06 | 21.94 | 20.64 | 19.23 | 20.94 | 21.40 | 61.12 | 35.18 | 33.94 | 32.21 |
| — | +46.5% | +43.5% | +24.4% | +2.5% | -66.2% | -45.3% | -38.3% | -33.6% | +46.3% | +66.0% | +124.4% | +84.8% | |
| Current Ratio | 0.57 | 0.57 | 0.22 | 0.35 | 0.21 | 0.26 | 0.27 | 0.29 | 0.29 | 0.36 | 0.34 | 0.35 | 0.34 |
| — | +119.6% | -18.2% | +18.6% | -27.9% | -27.5% | -20.8% | -16.6% | -15.9% | +9.4% | -7.9% | +1.1% | -19.8% | |
| Quick Ratio | 0.57 | 0.57 | 0.22 | 0.35 | 0.21 | 0.26 | 0.27 | 0.29 | 0.29 | 0.36 | 0.34 | 0.35 | 0.34 |
| — | +119.6% | -18.2% | +18.6% | -27.9% | -27.5% | -20.8% | -16.6% | -15.9% | +9.4% | -7.9% | +1.1% | -19.8% | |
| Interest Coverage | 1.21 | 1.52 | 1.06 | 1.18 | 1.08 | 0.99 | 1.03 | 1.07 | 1.03 | 0.57 | 0.93 | 1.07 | 1.23 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
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Sierra Bancorp's current P/E is 12.1x. The average P/E over the last 4 quarters is 9.7x. 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.