Sierra Bancorp
Exchange: NASDAQSector: Financial ServicesIndustry: Banks - Regional
Sierra Bancorp is the holding Company for Bank of the Sierra ( www.bankofthesierra.com ), which is in its 48 th year of operations and is the largest independent bank headquartered in the South San Joaquin Valley. Bank of the Sierra is a community-centric regional bank, which offers a broad range of retail and commercial banking services through full-service branches located within the counties of Tulare, Kern, Kings, Fresno, Ventura, San Luis Obispo, and Santa Barbara. The Bank also maintains an online branch and provides specialized lending services through an agricultural credit center in Templeton, California. In 2025, Bank of the Sierra was recognized as one of the strongest and top-performing community banks in the country, with a 5-star rating from Bauer Financial.
Did you know?
Net income compounded at 2.8% annually over 6 years.
Current Price
$35.82
-1.31%GoodMoat Value
$51.66
44.2% undervaluedProfile
Valuation (TTM)
Market Cap$472.34M
P/E10.33
EV—
P/B1.29
Shares Out13.19M
P/Sales3.09
Revenue$153.05M
EV/EBITDA11.28
Sierra Bancorp (BSRR) Stock Analysis
Market Cap$472.34M
Current Price$35.82
P/E Ratio10.33
Forward P/E—
PEG Ratio0.23
EPS$3.11
Book Value$27.67
P/B Ratio1.29
BSRR Financial Charts
FCF vs CAPEX
FCFCAPEX
Forward estimates use -5.8% FCF growth (CAGR)
Cash vs Debt
Net Debt: 383M
Revenue
118M
FY19
122M
FY20
141M
FY21
130M
FY22
139M
FY23
147M
FY24
149M
FY25
Net Income
36M
FY19
35M
FY20
43M
FY21
34M
FY22
35M
FY23
41M
FY24
42M
FY25
BSRR 52-Week Range
$25.55
$37.74
50-Day MA: $34.71200-Day MA: $31.75
Did you know?
BSRR's revenue grew at a 3.9% CAGR over the last 6 years.
Sierra Bancorp (BSRR) Financial Summary
Sierra Bancorp (BSRR) is a Financial Services company in the Banks - Regional industry, listed on NASDAQ. The stock currently trades at $35.82 with a market capitalization of $472.34M.
Key valuation metrics include a P/E ratio of 10.33, price-to-book ratio of 1.29, and EPS of $3.11. The company reports a profit margin of 29.9% and return on equity of 12.5%.
BSRR Key Financial Metrics
| Metric | Value |
|---|---|
| Market Cap | $472.34M |
| P/E Ratio | 10.33 |
| EPS | $3.11 |
| P/B Ratio | 1.29 |
| P/S Ratio | 3.09 |
| EV/EBITDA | 11.28 |
| Dividend Yield | 2.91% |
| Profit Margin | 29.9% |
| Return on Equity | 12.5% |
| Debt/Equity | 1.42 |
BSRR Revenue & Earnings History
| Year | Revenue | Net Income |
|---|---|---|
| FY19 | $118.30M | $35.96M |
| FY20 | $122.44M | $35.44M |
| FY21 | $140.75M | $43.01M |
| FY22 | $129.72M | $33.66M |
| FY23 | $139.12M | $34.84M |
| FY24 | $146.76M | $40.56M |
| FY25 | $149.18M | $42.33M |
Sierra Bancorp (BSRR) Valuation
Based on GoodMoat's DCF model, Sierra Bancorp has a fair value estimate of $51.66. At the current price of $35.82, the stock appears 30.7% undervalued relative to our intrinsic value estimate.
BSRR Quality Indicators
Sierra Bancorp maintains a profit margin of 29.9% and an operating margin of 37.8%. Return on equity stands at 12.5%. Debt-to-equity ratio is 1.42.
About Sierra Bancorp
Sierra Bancorp is the holding Company for Bank of the Sierra ( www.bankofthesierra.com ), which is in its 48 th year of operations and is the largest independent bank headquartered in the South San Joaquin Valley. Bank of the Sierra is a community-centric regional bank, which offers a broad range of retail and commercial banking services through full-service branches located within the counties of Tulare, Kern, Kings, Fresno, Ventura, San Luis Obispo, and Santa Barbara. The Bank also maintains an online branch and provides specialized lending services through an agricultural credit center in Templeton, California. In 2025, Bank of the Sierra was recognized as one of the strongest and top-performing community banks in the country, with a 5-star rating from Bauer Financial.
BSRR Free Cash Flow
Sierra Bancorp generated $32.20M in trailing twelve-month free cash flow, representing an FCF yield of 6.82%. This strong FCF yield suggests the company generates substantial cash relative to its market value.
BSRR Shares Outstanding
Sierra Bancorp has 0.01 billion shares outstanding at a share price of $35.82, giving it a market capitalization of $472.34M.