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.
Net income compounded at 2.8% annually over 6 years.
Current Price
$35.82
-1.31%GoodMoat Value
$51.66
44.2% undervaluedSierra Bancorp (BSRR) Quality Analysis
BSRR Profitability
BSRR Growth
BSRR Financial Health
BSRR Quality & Fundamental Analysis
Sierra Bancorp (BSRR) is a Financial Services company in the Banks - Regional industry, listed on NASDAQ. This quality analysis page evaluates Sierra Bancorp's financial health using the Piotroski F-Score methodology, profitability ratios, growth trajectory, and balance sheet strength.
Sierra Bancorp has a Piotroski F-Score of N/A out of 9, measuring profitability, leverage, and operating efficiency. The company operates with a profit margin of 29.89% and a return on equity (ROE) of 12.54%. Return on assets (ROA) stands at 1.19%.
The debt-to-equity ratio is 1.42, Operating margin is 37.77%.
GoodMoat's quality analysis uses AI-powered insights to evaluate whether Sierra Bancorp is a fundamentally sound investment. The GoodMoat Verdict synthesizes profitability, growth, and financial health scores into a clear investment quality rating. Use these metrics alongside valuation tools like the DCF calculator and fair value models to make informed investment decisions.