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Sierra Bancorp

Sierra Bancorp

NASDAQ•BSRR
CEO: Mr. Kevin J. McPhaill
Sector: Financial Services
Industry: Banks - Regional
Listing Date: 1994-04-18
Sierra Bancorp operates as the bank holding company for Bank of the Sierra that provides retail and commercial banking 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 agricultural, commercial, consumer, real estate, construction, and mortgage loans. It also offers automated teller machines; electronic point-of-sale payment alternatives; online and automated telephone banking services; and remote deposit capture and automated payroll services for business customers. Sierra Bancorp was founded in 1977 and is headquartered in Porterville, California.
Contact Information
86 North Main Street, Porterville, CA, 93257, United States
559-782-4900
www.sierrabancorp.com
Market Cap
$458.40M
P/E (TTM)
11.6
15.3
Dividend Yield
2.9%
52W High
$34.91
52W Low
$22.42
52W Range
93%
Rank33Top 25.7%
4.8
F-Score
Modified Piotroski Analysis
Based on 10-year fundamentals
Average • 4.8 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2016-2025

Financial Dashboard

Q3 2025 Data

Revenue

$49.69M-1.13%
4-Quarter Trend

EPS

$0.73-2.67%
4-Quarter Trend

FCF

$14.70M-46.14%
4-Quarter Trend

2025 Q3 Earnings Highlights

Key Highlights

Net Interest Margin Improvement NIM improved 12 basis points to 3.78% for Q3 2025. Net interest income rose 4% ($1.2M) driven by lower funding costs.
Strong Loan Portfolio Growth Gross loans grew 7.0% YTD to $2.49B. Mortgage warehouse utilization surged 39% ($126.3M increase) driving commercial loan expansion.
Asset Quality Significantly Improved Nonperforming loans fell 29% to $14.0M. NPL ratio improved significantly to 0.56% from 0.84% at year-end 2024.
Deposit Base Stability Total deposits grew 1% YTD to $2.93B. Noninterest-bearing deposits increased share to 36.6% of total funding base.

Risk Factors

Increased Credit Loss Provision Provision for credit losses increased sharply YTD by $4.6M. Q3 provision rose $2.3M due to specific agricultural loan reserve build.
Q3 Net Income Decline Q3 2025 net income fell 9% to $9.7M. This decline was driven by higher credit loss provisions offsetting NII gains.
Interest Rate Shock Exposure Stress testing shows potential 4.8% NII drop under 100 basis point rate decrease. Asset sensitivity is slightly lower than prior year.
Concentrated Credit Risk Significant individual reserve added for one agricultural production loan ($3.5M reserve on $3.5M remaining book balance).

Outlook

Robust Capital Adequacy Maintained Capital ratios remain strong; Bank Leverage Ratio at 11.73%. Management maintains capital adequacy above regulatory minimums.
NIM Outlook Stable Modeling suggests net interest income expected near current levels under most-likely interest rate forecast scenarios.
Nonperforming Asset Management Management continues active management of nonperforming assets, though timely resolution of all nonaccruals is not assured.
Equity Growth Drivers Equity increased $2.8M YTD, reflecting net income and favorable securities valuation swing, partially offset by buybacks.

Peer Comparison

Revenue (TTM)

First Business Financial Services, Inc.FBIZ
$277.15M
+8.2%
Civista Bancshares, Inc.CIVB
$248.57M
+3.4%
Home Bancorp, Inc.HBCP
$207.95M
+6.7%

Gross Margin (Latest Quarter)

Bank of Marin BancorpBMRC
73.2%
+4.1pp
Sierra BancorpBSRR
68.5%
-0.9pp
Bank7 Corp.BSVN
68.3%
+1.3pp

Key Metrics

Symbol
Market Cap
P/E (TTM)
ROE (TTM)
Debt to Assets
VBNK$493.89M24.05.4%1.8%
HBCP$464.84M10.410.9%1.8%
BSRR$458.40M11.611.2%10.0%

Long-Term Trends

Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
3.7%
Moderate Growth
4Q Net Income CAGR
-2.2%
Stable Profitability
Cash Flow Stability
75%
Volatile Cash Flow

Research & Insights

Next earnings:Jan 26, 2026
|
EPS:$0.85
|
Revenue:$40.04M
Reports
All Years

  • Form 10-Q - Q3 2025

    Period End: Sep 30, 2025|Filed: Oct 31, 2025|
    Revenue: $49.69M-1.1%
    |
    EPS: $0.73-2.7%
    Miss

  • Form 10-Q - Q2 2025

    Period End: Jun 30, 2025|Filed: Aug 1, 2025|
    Revenue: $49.04M+0.0%
    |
    EPS: $0.78+8.3%
    Beat

  • Form 10-Q - Q1 2025

    Period End: Mar 31, 2025|Filed: May 2, 2025|
    Revenue: $45.97M-2.8%
    |
    EPS: $0.66+3.1%
    Meet

  • Form 10-K/A - FY 2024

    Period End: Dec 31, 2024|Filed: Mar 18, 2025|
    Revenue: $191.14M+13.2%
    |
    EPS: $2.84+19.8%
    Beat

  • Form 10-K - FY 2024

    Period End: Dec 31, 2024|Filed: Mar 3, 2025|Refer to amended data

  • Form 10-Q - Q3 2024

    Period End: Sep 30, 2024|Filed: Nov 7, 2024|
    Revenue: $50.25M+4.9%
    |
    EPS: $0.75+10.3%
    Beat

  • Form 10-Q - Q2 2024

    Period End: Jun 30, 2024|Filed: Aug 5, 2024|
    Revenue: $49.02M+6.4%
    |
    EPS: $0.72+7.5%
    Beat

  • Form 10-Q - Q1 2024

    Period End: Mar 31, 2024|Filed: May 6, 2024|
    Revenue: $47.27M+12.5%
    |
    EPS: $0.64+10.3%
    Beat