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Company Analysis

Sierra Bancorp BSRR

A comprehensive view of key metrics, scores, and financial health for Sierra Bancorp

Overview of Sierra Bancorp

BSRR NMS
Financial Services Banks - Regional Framework: Banks & Lenders Small Cap
Sierra Bancorp (BSRR), is a Small Cap company, in the Banks - Regional industry, last closed at $40.68, about 31.4% overvalued vs fair value, +48.5% 1Y return, ranked 451/1037 in sector.
Metrics Rev Growth 45.5% ROE 11.7% Gross Margin 73.9%
USD 40.68
1.07%
(Delayed)
• Vol 90d: 25.5%
52-Week Range
Market Cap
$525.50M
Enterprise Value
$908.92M
Overall Score
View breakdown
Overall
Growth
Weak
Profitability
Fair
Health
Weak
Efficiency
Fair
Valuation
Fair
Growth
Weak
Profitability
Fair
Health
Weak
Efficiency
Fair
Valuation
Fair
Completeness: 82%
Confidence: 50%
Updated: Mar 8
Top Beats

Quick Facts

Website https://sierrabancorp.q4ir.com
HQ Porterville, CA
Employees 465
Fiscal year Dec 31

Next Events

Earnings Jul 27 Estimated

Fair Value Snapshot

Bear Base Bull
$15
$28
$52
Current: $40.68 -31% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$172.3M
5.7%%
Interest Expense
$46.7M
Net Interest Income
$120.0M
6.8%%
Total Revenue
$202.0M
45.5%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
11.4%
Good

Net Income / Equity - key bank profitability metric

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$29.5M
72.7% of Net Income

Where It Leaks

Cash Flow Health some concerns
Moderate efficiency issues detected. Review active leaks below for improvement areas.
1
Active Leaks
1/1
Improving
1
High Impact
0
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Sierra Bancorp's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
60
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Strong
77
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Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 93% Coverage
Trade-Off Triangle Visualization A ternary plot showing BSRR's balance between Growth (34.1%), Profitability (36.3%), and Safety (29.6%). Growth 34% Safety 30% Profitability 36%

Click axes to expand details. Marker shows current allocation.

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Growth

62th percentile vs peers
62
Key Signals
NII Growth YoY 6.8% 69p Asset Growth YoY 5.9% 62p EPS Growth YoY 19.2% 67p Equity Growth YoY 5.7% 45p
Strengths
  • D/E Ratio in top 20% of peers (1.42, 82th percentile)
  • Growth above peer median with strong metric coverage (80%)
  • Conservative leverage compared to industry peers
Risks

No significant risks identified for this axis.

Profitability

66th percentile vs peers
66
Key Signals
Strengths
Risks
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Safety

54th percentile vs peers
54
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Sierra Bancorp.

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$27.92
- - -
-31.4% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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