Sierra Bancorp

BSRR

Financial ServicesSmall CapUS Equities · NYSE / NASDAQ

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Company Profile

Sierra Bancorp operates as the bank holding company for Bank of the Sierra that provides retail and commercial banking products and services to individuals and businesses in California. It accepts various deposit products, such as checking accounts, savings accounts, money market demand accounts, time deposits, retirement accounts, and sweep accounts. The company's loan products include real estate, commercial, mortgage warehouse, agricultural, and consumer loans. It also offers automated teller machines; electronic point-of-sale payment alternatives; multiple account access options; online account opening platform; online banking with bill-pay and mobile banking capabilities, including mobile check deposit; online lending solutions for consumers and small businesses; customer service center services; an automated telephone banking system; and remote deposit capture and payroll services. Sierra Bancorp was founded in 1977 and is headquartered in Porterville, California.

Valuation

Market Cap$509M

Current Price$40.15as of Jun 23, 2026

P/E Ratio12.02

P/B Ratio1.39

EV / EBITDA-

EV / Sales5.20

Profitability

Operating Margin-

Net Profit Margin28.9%

EBITDA Margin-

Returns

ROE11.6%

ROCE-

ROIC %-

ROA1.1%

Solvency

Current Ratio-

Debt / Equity1.06

Debt / Assets0.10

CFO / Net Profit0.80

Price History▲ 40.48% over 1Y

Technical Chart

Historical Performance Charts

5-year financial trends. Figures in USD millions.

Revenue vs Net Profit (5Y)

Free Cash Flow vs Operating Cash Flow (5Y)

Operating Margin % (5Y)

No margin data.

Growth Summary

Latest fiscal year: 2025

Revenue$146M▲ 5.5%

EBITDA-

Net Profit$42M▲ 4.4%

Cash from Ops (CFO)$34M▼ 41.0%

Free Cash Flow (FCF)$32M▼ 42.5%

Revenue CAGR 3Y4.0%

Revenue CAGR 5Y-

Net Profit CAGR 3Y7.9%

Net Profit CAGR 5Y-

Historical Growth

Year-by-year revenue, profitability, and cash flow (USD millions, last 10 years)

Year	Revenue	EBITDA	Net Profit	FCF	ROE	Rev Growth 1Y	NP Growth 1Y
2025	$146M	-	$42M	$32M	11.6%	5.5%	4.4%
2024	$139M	-	$41M	$56M	11.4%	17.5%	16.4%
2023	$118M	-	$35M	$52M	10.3%	-9.3%	3.5%
2022	$130M	-	$34M	$32M	11.1%	-	-
2021	-	-	-

Financial Statements

Income statement, balance sheet, and cash flow as reported

Consolidated Figures in USD Millions.

Metric	2021	2022	2023	2024	2025
Total Revenue	-	130.29	118.16	138.82	146.49
Operating Revenue	-	130.29	118.16	138.82	146.49
Selling General And Administration	-	48.78	53.19	51.76	52.58
Interest Income	-	121.82	163.12	172.35	171.39
Interest Expense	-	12.20	50.72	52.32	46.70
Net Interest Income	-	109.62	112.40	120.03	124.69
Pretax Income	-	44.92	46.46	53.87	56.34
Tax Provision	-	11.26	11.62	13.31	14.02
Tax Rate For Calcs	-	0	0	0	0
Tax Effect Of Unusual Items	-	0	3.82	0.93	-0.01
Net Income Continuous Operations	-	33.66	34.84	40.56	42.33
Net Income From Continuing And Discontinued Operation	-	33.66	34.84	40.56	42.33
Net Income From Continuing Operation Net Minority Interest	-	33.66	34.84	40.56	42.33
Net Income	-	33.66	34.84	40.56	42.33
Net Income Common Stockholders	-	33.66	34.84	40.56	42.33
Net Income Including Noncontrolling Interests	-	33.66	34.84	40.56	42.33
Normalized Income	-	33.66	23.39	37.71	42.37
Diluted NI Availto Com Stockholders	-	33.66	34.84	40.56	42.33
Basic Average Shares	-	14.96	14.71	14.28	13.50
Diluted Average Shares	-	14.99	14.74	14.40	13.59
Reconciled Depreciation	-	3.54	3.23	2.88	2.65
Total Unusual Items	-	-0.01	15.27	3.78	-0.05
Total Unusual Items Excluding Goodwill	-	-0.01	15.27	3.78	-0.05
Special Income Charges	-	-0.01	15.27	3.78	-0.05
Other Special Charges	-	0.01	-15.27	-3.78	0.05
Restructuring And Mergern Acquisition	0	-	-	-	-
Gain On Sale Of Security	-	1.34	-14.40	-2.92	0.12
General And Administrative Expense	-	47.05	50.98	50.34	51.06
Other Gand A	1.16	1.56	-	-	-
Salaries And Wages	-	47.05	50.98	50.34	51.06
Selling And Marketing Expense	-	1.73	2.22	1.42	1.53
Occupancy And Equipment	-	9.72	10.16	12.37	12.54
Professional Expense And Contract Services Expense	-	3.06	5.29	6.16	5.52
Other Non Interest Expense	-	13.20	14.64	13.65	13.36

Peer Comparison

Financial Services sector peers, ranked by market cap

Company	Ticker	Market Cap	P/E	P/B	ROE	EV/EBITDA
Sierra Bancorpthis co.	BSRR	$509M	12.02↑ premium	1.39	11.6%	-
Flushing Financial Corporation	FFIC	$524M	27.76	0.74	2.7%	-
Better Home & Finance Holding Company	BETR	$521M	-3.14	14.01	-446.1%	-7.65
Kearny Financial Corp.	KRNY	$518M	19.86	0.69	3.5%	-
Chaince Digital Holdings Inc.	CD	$517M

Learn while you research

Hand-picked academy chapters to deepen your understanding of Sierra Bancorp and the metrics that matter.

01 Stock Valuation BasicsHow to think about what a fair price for a stock looks like.7 min read 02 Stock Market Risks

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Year

Revenue

EBITDA

Net Profit

FCF

ROE

Rev Growth 1Y

NP Growth 1Y

2025

$146M

$42M

$32M

11.6%

5.5%

4.4%

2024

$139M

$41M

$56M

11.4%

17.5%

16.4%

2023

$118M

$35M

$52M

10.3%

-9.3%

3.5%

2022

$130M

$34M

$32M

11.1%

2021

Metric

2021

2022

2023

2024

2025

Total Revenue

130.29

118.16

138.82

146.49

Operating Revenue

130.29

118.16

138.82

146.49

Selling General And Administration

48.78

53.19

51.76

52.58

Interest Income

121.82

163.12

172.35

171.39

Interest Expense

12.20

50.72

52.32

46.70

Net Interest Income

109.62

112.40

120.03

124.69

Pretax Income

44.92

46.46

53.87

56.34

Tax Provision

11.26

11.62

13.31

14.02

Tax Rate For Calcs

Tax Effect Of Unusual Items

3.82

0.93

-0.01

Net Income Continuous Operations

33.66

34.84

40.56

42.33

Net Income From Continuing And Discontinued Operation

33.66

34.84

40.56

42.33

Net Income From Continuing Operation Net Minority Interest

33.66

34.84

40.56

42.33

Net Income

33.66

34.84

40.56

42.33

Net Income Common Stockholders

33.66

34.84

40.56

42.33

Net Income Including Noncontrolling Interests

33.66

34.84

40.56

42.33

Normalized Income

33.66

23.39

37.71

42.37

Diluted NI Availto Com Stockholders

33.66

34.84

40.56

42.33

Basic Average Shares

14.96

14.71

14.28

13.50

Diluted Average Shares

14.99

14.74

14.40

13.59

Reconciled Depreciation

3.54

3.23

2.88

2.65

Total Unusual Items

-0.01

15.27

3.78

-0.05

Total Unusual Items Excluding Goodwill

-0.01

15.27

3.78

-0.05

Special Income Charges

-0.01

15.27

3.78

-0.05

Other Special Charges

0.01

-15.27

-3.78

0.05

Restructuring And Mergern Acquisition

Gain On Sale Of Security

1.34

-14.40

-2.92

0.12

General And Administrative Expense

47.05

50.98

50.34

51.06

Other Gand A

1.16

1.56

Salaries And Wages

47.05

50.98

50.34

51.06

Selling And Marketing Expense

1.73

2.22

1.42

1.53

Occupancy And Equipment

9.72

10.16

12.37

12.54

Professional Expense And Contract Services Expense

3.06

5.29

6.16

5.52

Other Non Interest Expense

13.20

14.64

13.65

13.36

Company

Ticker

Market Cap

P/E

P/B

ROE

EV/EBITDA

Sierra Bancorpthis co.

BSRR

$509M

12.02↑ premium

1.39

11.6%

Flushing Financial Corporation

FFIC

$524M

27.76

0.74

2.7%

Better Home & Finance Holding Company

BETR

$521M

-3.14

14.01

-446.1%

-7.65

Kearny Financial Corp.

KRNY

$518M

19.86

0.69

3.5%

Chaince Digital Holdings Inc.

$517M

Sierra Bancorp

Valuation

Profitability

Returns

Solvency

Historical Performance Charts

Revenue vs Net Profit (5Y)

Free Cash Flow vs Operating Cash Flow (5Y)

Operating Margin % (5Y)

Growth Summary

Historical Growth

Financial Statements

Peer Comparison

Sierra Bancorp

Valuation

Profitability

Returns

Solvency

Historical Performance Charts

Revenue vs Net Profit (5Y)

Free Cash Flow vs Operating Cash Flow (5Y)

Operating Margin % (5Y)

Growth Summary

Historical Growth

Financial Statements

Peer Comparison

Key concepts to brush up on