logo
logo
BSRR stock ticker logo

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
$446.81M
P/E (TTM)
10.4
14.2
Dividend Yield
3.0%
52W High
$38.60
52W Low
$22.42
52W Range
66%
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

Q4 2025 Data

Revenue

$50.62M-100.00%
4-Quarter Trend

EPS

$0.97+32.88%
4-Quarter Trend

FCF

$12.78M+0.00%
4-Quarter Trend

2025 Annual Earnings Highlights

Key Highlights

Net Income and NIM Improvement Net income rose to $42.3M in 2025; Net Interest Margin improved 9 basis points to 3.75% due to favorable asset mix shift.
Strong Loan Portfolio Growth Gross loans grew 9% to $2.55B, driven by a $191.9M increase in mortgage warehouse line utilization during the year.
Asset Quality Shows Improvement NPL ratio significantly improved to 0.52% from 0.84% year-over-year, despite $7.5M charge-offs related to one agricultural loan workout.
Solid Capital Adequacy Maintained Tier 1 Core Capital Ratio stood at 10.80% for the Company, remaining well above the 9.00% regulatory minimum threshold.

Risk Factors

Interest Rate Sensitivity Reduced Asset sensitivity to rising rates was substantially reduced in 2025; future NIM stability depends heavily on funding mix and market rates.
Commercial Real Estate Concentration Heavy concentration in CRE loans (54.6% of gross loans) poses material risk if local real estate values decline materially in a recession.
Deposit Competition and Funding Costs Competition for deposits is fierce; uninsured deposits totaled $703M, increasing reliance on potentially higher-cost wholesale funding sources.
Cybersecurity and Vendor Risks Reliance on complex information systems and external vendors creates ongoing exposure to cyberattacks, system failures, and potential litigation risk.

Outlook

NIM Outlook Tied to Funding Mix Future net interest margin expansion relies on maintaining lower-cost funding sources and managing yields on variable-rate assets like CLOs.
Continued Expense Management Focus Management maintains a strategic focus on expense control to keep noninterest expenses relatively flat despite necessary technology investments.
Revisiting Inorganic Growth Strategy The Company desires to reestablish inorganic growth via acquisitions, balancing potential dilution against strategic expansion opportunities.
Ongoing Regulatory Compliance Costs Compliance staffing and software costs related to consumer protection and AML mandates will continue to be a factor in operating expenses.

Peer Comparison

Revenue (TTM)

KRNY stock ticker logoKRNY
$343.87M
-1.6%
FBIZ stock ticker logoFBIZ
$279.25M
+6.4%
CIVB stock ticker logoCIVB
$252.62M
+4.5%

Gross Margin (Latest Quarter)

NFBK stock ticker logoNFBK
314.9%
+0.0pp
BMRC stock ticker logoBMRC
86.6%
+15.9pp
BSRR stock ticker logoBSRR
79.3%
+0.0pp

Key Metrics

Symbol
Market Cap
P/E (TTM)
ROE (TTM)
Debt to Assets
NFBK$545.85M652.30.1%17.2%
CIVB$464.06M9.810.0%6.6%
HBCP$463.85M9.911.0%1.7%

Long-Term Trends

Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
3.3%
Moderate Growth
4Q Net Income CAGR
12.3%
Profitability Improving
Cash Flow Stability
75%
Volatile Cash Flow

Deep Research

Next earnings:Apr 27, 2026
|
EPS:$0.82
|
Revenue:$39.68M
Financials
Earnings Calls
Reports
News
Income Statement
Balance Sheet
Cash Flow Statement
Ratios
% Chg.
Income Statement
LTM
No Data