How does BSRR's PE Ratio compare to its peers?

BSRR is good value based on its Price-To-Earnings Ratio (12.2x) compared to the peer average (16.1x).

How does BSRR's PE Ratio compare vs other companies in the US Banks Industry?

BSRR is good value based on its Price-To-Earnings Ratio (12.2x) compared to the US Banks industry average (12.9x).

What is BSRR's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

BSRR is expensive based on its Price-To-Earnings Ratio (12.2x) compared to the estimated Fair Price-To-Earnings Ratio (11.7x).

What is the Fair Price of BSRR when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

BSRR ($31.52) is trading below our estimate of [[fair value]] ($60.45)

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Target price is lower than the current share price.

Sierra Bancorp (Nasdaq:BSRR) - Stock Price, News & Analysis

BSRR Stock Overview

Operates as the bank holding company for Bank of the Sierra that provides retail and commercial banking services to individuals and businesses in California. More details

BSRR fundamental analysis
Snowflake Score
Valuation	4/6
Future Growth	1/6
Past Performance	3/6
Financial Health	6/6
Dividends	5/6

Rewards

Trading at 47.9% below our estimate of its fair value

Earnings are forecast to grow 3.52% per year

Earnings grew by 2.3% over the past year

Pays a reliable dividend of 3.05%

Risk Analysis

No risks detected for BSRR from our risk checks.

Sierra Bancorp Competitors

Enterprise Bancorp

NasdaqGS:EBTC

US$457.5m

Carter Bankshares

NasdaqGS:CARE

US$451.3m

Financial Institutions

NasdaqGS:FISI

US$420.4m

Unity Bancorp

NasdaqGM:UNTY

US$457.7m

Price History & Performance

Summary of all time highs, changes and price drops for Sierra Bancorp
Historical stock prices
Current Share Price	US$31.52
52 Week High	US$35.13
52 Week Low	US$17.69
Beta	0.89
11 Month Change	10.64%
3 Month Change	11.34%
1 Year Change	67.08%
33 Year Change	16.05%
5 Year Change	17.92%
Change since IPO	1,145.85%

Sierra Bancorp (NASDAQ:BSRR) Is Due To Pay A Dividend Of $0.24

Oct 22

Sierra Bancorp: Still Interesting Despite The Run-Up

Sep 23

Recent updates

Sierra Bancorp's (NASDAQ:BSRR) Upcoming Dividend Will Be Larger Than Last Year's

Jul 19

Shareholders Will Probably Hold Off On Increasing Sierra Bancorp's (NASDAQ:BSRR) CEO Compensation For The Time Being

May 20

Sierra Bancorp (NASDAQ:BSRR) Has Got What It Takes To Be An Attractive Dividend Stock

Mar 30

What Kind Of Shareholders Hold The Majority In Sierra Bancorp's (NASDAQ:BSRR) Shares?

Feb 23

Did You Participate In Any Of Sierra Bancorp's (NASDAQ:BSRR) Respectable 73% Return?

Jan 19

How Much Does Sierra Bancorp's (NASDAQ:BSRR) CEO Make?

Dec 15

Is Sierra Bancorp (NASDAQ:BSRR) A Smart Pick For Income Investors?

Nov 19

Shareholder Returns

	BSRR	US Banks	US Market
7D	-0.8%	2.1%	-0.5%
1Y	67.1%	54.8%	32.3%

Return vs Industry: BSRR exceeded the US Banks industry which returned 54.8% over the past year.

Return vs Market: BSRR exceeded the US Market which returned 33.1% over the past year.

Price Volatility

Is BSRR's price volatile compared to industry and market?
BSRR volatility
BSRR Average Weekly Movement	7.4%
Banks Industry Average Movement	5.2%
Market Average Movement	6.2%
10% most volatile stocks in US Market	15.6%
10% least volatile stocks in US Market	3.0%

Stable Share Price: BSRR has not had significant price volatility in the past 3 months compared to the US market.

Volatility Over Time: BSRR's weekly volatility (7%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
1977	489	Kevin McPhaill	www.sierrabancorp.com

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.

Sierra Bancorp Fundamentals Summary

How do Sierra Bancorp's earnings and revenue compare to its market cap?
BSRR fundamental statistics
Market cap	US$455.90m
Earnings (TTM)	US$36.49m
Revenue (TTM)	US$143.69m

12.2x

P/E Ratio

1.2x

P/B Ratio

Is BSRR overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
BSRR income statement (TTM)
Revenue	US$143.69m
Cost of Revenue	US$0
Gross Profit	US$143.69m
Other Expenses	US$107.20m
Earnings	US$36.49m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	2.57
Gross Margin	100.00%
Net Profit Margin	25.39%
Debt/Equity Ratio	81.0%

How did BSRR perform over the long term?

See historical performance and comparison

Dividends

3.0%

Current Dividend Yield

37%

Payout Ratio

BSRR Stock Overview

Rewards

Risk Analysis

Sierra Bancorp Competitors

NasdaqGS:EBTC

US$457.5m

NasdaqGS:CARE

US$451.3m

NasdaqGS:FISI

US$420.4m

NasdaqGM:UNTY

US$457.7m

Price History & Performance

Recent News & Updates

Investor sentiment improves as stock rises 20%

Sierra Bancorp (NASDAQ:BSRR) Is Due To Pay A Dividend Of $0.24

Third quarter 2024 earnings: EPS exceeds analyst expectations while revenues lag behind

Sierra Bancorp Declares Quarterly Cash Dividend, Payable on November 12, 2024

Sierra Bancorp: Still Interesting Despite The Run-Up

Executive VP & Chief Banking Officer notifies of intention to sell stock

Recent updates

Investor sentiment improves as stock rises 20%

Sierra Bancorp (NASDAQ:BSRR) Is Due To Pay A Dividend Of $0.24

Third quarter 2024 earnings: EPS exceeds analyst expectations while revenues lag behind

Sierra Bancorp Declares Quarterly Cash Dividend, Payable on November 12, 2024

Sierra Bancorp: Still Interesting Despite The Run-Up

Executive VP & Chief Banking Officer notifies of intention to sell stock

Independent Chairman of the Board recently sold US$992k worth of stock

Consensus EPS estimates increase by 12%

Independent Chairman of the Board notifies of intention to sell stock

Price target increased by 30% to US$29.63

Sierra Bancorp (NASDAQ:BSRR) Is Paying Out A Larger Dividend Than Last Year

Sierra Bancorp Reports Unaudited Net Charge Offs for the Second Quarter Ended June 30, 2024

First quarter dividend increased to US$0.24

Sierra Bancorp Announces Quarterly Cash Dividend, Payable on August 15, 2024

Investor sentiment improves as stock rises 16%

Sierra Bancorp Announces Net Charge Offs for the Quarter Ended March 31, 2024

Sierra Bancorp Declares Regular Quarterly Cash Dividend for the Quarter Ended March 31, 2024, Payable on May 13, 2024

Sierra Bancorp, Annual General Meeting, May 22, 2024

Sierra Bancorp announced delayed annual 10-K filing

Sierra Bancorp announced delayed annual 10-K filing

Full year 2023 earnings: EPS and revenues miss analyst expectations

Upcoming dividend of US$0.23 per share at 4.2% yield

Sierra Bancorp Declares a Regular Quarterly Cash Dividend for the Quarter Ended December 31, 2023, Payable on February 12, 2024

Price target increased by 7.9% to US$24.00

New major risk - Revenue and earnings growth

Sierra Bancorp (NASDAQ:BSRR) Is Paying Out A Dividend Of $0.23

Third quarter 2023 earnings: EPS exceeds analyst expectations while revenues lag behind

Sierra Bancorp Declares Quarterly Cash Dividend, Payable on November 14, 2023

Sierra Bancorp and Bank of the Sierra Announces Executive Changes

Price target increased by 18% to US$22.70

Sierra Bancorp (NASDAQ:BSRR) Has Affirmed Its Dividend Of $0.23

New major risk - Revenue and earnings growth

Second quarter 2023 earnings: EPS and revenues exceed analyst expectations

Sierra Bancorp Declares Cash Dividend for the Quarter Ended June 30, 2023, Payable on August 14, 2023

New major risk - Revenue and earnings growth

Price target decreased by 9.5% to US$18.90

Sierra Bancorp (NASDAQ:BSRR) Is Paying Out A Dividend Of $0.23

Price target decreased by 7.2% to US$22.00

Full year 2022 earnings: Revenues exceed analysts expectations while EPS lags behind

Sierra Bancorp Reports Unaudited Net Charge Offs for Fourth Quarter Ended December 31, 2022

Sierra Bancorp's (NASDAQ:BSRR) Dividend Will Be $0.23

Sierra Bancorp Declares Quarterly Cash Dividend, Payable on February 13, 2023

Independent Vice Chairman of the Board exercised options and sold US$60k worth of stock

Independent Director exercised options to buy US$109k worth of stock.

Third quarter 2022 earnings: EPS misses analyst expectations

Sierra Bancorp Declares Quarterly Cash Dividend, Payable November 14, 2022

Second quarter 2022 earnings: EPS and revenues exceed analyst expectations

Sierra Bancorp Declares Quarterly Cash Dividend, Payable on August 15, 2022

Sierra Bancorp declares $0.23 dividend

Sierra Bancorp Announces Board Appointments

Independent Director exercised options to buy US$108k worth of stock.

First quarter 2022 earnings: EPS and revenues miss analyst expectations

Sierra Bancorp Announces Net Charge Off for the First Quarter Ended March 31, 2022

Sierra Bancorp Declares Quarterly Cash Dividend, Payable on May 12, 2022

Sierra Bancorp, Annual General Meeting, May 25, 2022

Full year 2021 earnings: EPS misses analyst expectations

Full year 2021 earnings: EPS misses analyst expectations

Sierra Bancorp (NASDAQ:BSRR) Is Increasing Its Dividend To US$0.23

Third quarter 2021 earnings released: EPS US$0.69 (vs US$0.68 in 3Q 2020)