BSRR Fair Value Estimate
$51.6644.2% undervalued
Blended fair value estimate based on DCF, Graham Number, and earnings-based models.
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.
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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) Valuation
BSRR Valuation Metrics
FCF$32.20M
FCF Growth Rate-5.76%
EPS Growth (CAGR)2.75%
WACC10.00%
Fair Value Models
Graham Number, PEG-based, and Earnings-based models
View Fair Value →BSRR Valuation & Fair Value Analysis
Sierra Bancorp (BSRR) valuation analysis using multiple fair value methodologies. GoodMoat calculates a blended fair value target using discounted cash flow (DCF) analysis, the Graham Number, and earnings-based valuation models.
The GoodMoat Fair Value target for Sierra Bancorp is $51.66. The current stock price is $35.82, suggesting the stock is 44.2% undervalued.
The price-to-earnings (P/E) ratio is 10.33. Price-to-book ratio is 1.29. Price-to-sales ratio is 3.09. Enterprise value to EBITDA is 11.28. PEG ratio is 0.23.
GoodMoat's valuation models include the Graham Number (based on EPS and book value), an earnings-based model (discounted future EPS), and a PEG-adjusted valuation. The three models are averaged to produce a blended fair value estimate. Use these tools alongside the DCF calculator and reverse DCF to form a comprehensive view of Sierra Bancorp's intrinsic value.