BSRR Stock Overview
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.
No risks detected for BSRR from our risk checks.
Sierra Bancorp Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||US$22.13|
|52 Week High||US$28.92|
|52 Week Low||US$20.77|
|1 Month Change||4.04%|
|3 Month Change||-13.56%|
|1 Year Change||-12.46%|
|3 Year Change||-18.40%|
|5 Year Change||-9.86%|
|Change since IPO||774.70%|
Recent News & Updates
|BSRR||US Banks||US Market|
Return vs Industry: BSRR exceeded the US Banks industry which returned -19.3% over the past year.
Return vs Market: BSRR exceeded the US Market which returned -20.5% over the past year.
|BSRR Average Weekly Movement||3.1%|
|Banks Industry Average Movement||3.8%|
|Market Average Movement||8.0%|
|10% most volatile stocks in US Market||16.6%|
|10% least volatile stocks in US Market||3.1%|
Stable Share Price: BSRR is less volatile than 75% of US stocks over the past 3 months, typically moving +/- 3% a week.
Volatility Over Time: BSRR's weekly volatility (3%) has been stable over the past year.
About the Company
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. The company accepts various deposit products, such as checking accounts, savings accounts, money market demand accounts, time deposits, retirement accounts, and sweep accounts. Its loan products include agricultural, commercial, consumer, real estate, construction, and mortgage loans.
Sierra Bancorp Fundamentals Summary
|BSRR fundamental statistics|
Is BSRR overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|BSRR income statement (TTM)|
|Cost of Revenue||US$0|
Last Reported Earnings
Mar 31, 2022
Next Earnings Date
|Earnings per share (EPS)||2.64|
|Net Profit Margin||28.94%|
How did BSRR perform over the long term?See historical performance and comparison
4.2%Current Dividend Yield
Is BSRR undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score 5/6
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Below Fair Value
Significantly Below Fair Value
Key Valuation Metric
Which metric is best to use when looking at relative valuation for BSRR?
Other financial metrics that can be useful for relative valuation.
|What is BSRR's n/a Ratio?|
Price to Earnings Ratio vs Peers
How does BSRR's PE Ratio compare to its peers?
|BSRR PE Ratio vs Peers|
|Company||PE||Estimated Growth||Market Cap|
Price-To-Earnings vs Peers: BSRR is good value based on its Price-To-Earnings Ratio (8.4x) compared to the peer average (9.8x).
Price to Earnings Ratio vs Industry
How does BSRR's PE Ratio compare vs other companies in the U.S. Banks Industry?
Price-To-Earnings vs Industry: BSRR is good value based on its Price-To-Earnings Ratio (8.4x) compared to the US Banks industry average (9.5x)
Price to Earnings Ratio vs Fair Ratio
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.
|Current PE Ratio||8.4x|
|Fair PE Ratio||12.1x|
Price-To-Earnings vs Fair Ratio: BSRR is good value based on its Price-To-Earnings Ratio (8.4x) compared to the estimated Fair Price-To-Earnings Ratio (12.1x).
Share Price vs Fair Value
What is the Fair Price of BSRR when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: BSRR ($22.13) is trading below our estimate of fair value ($59.5)
Significantly Below Fair Value: BSRR is trading below fair value by more than 20%.
Price to Earnings Growth Ratio
PEG Ratio: BSRR is poor value based on its PEG Ratio (1x)
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How is Sierra Bancorp forecast to perform in the next 1 to 3 years based on estimates from 5 analysts?
Future Growth Score1/6
Future Growth Score 1/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: BSRR's forecast earnings growth (8% per year) is above the savings rate (1.9%).
Earnings vs Market: BSRR's earnings (8% per year) are forecast to grow slower than the US market (13.9% per year).
High Growth Earnings: BSRR's earnings are forecast to grow, but not significantly.
Revenue vs Market: BSRR's revenue (6.5% per year) is forecast to grow slower than the US market (8.3% per year).
High Growth Revenue: BSRR's revenue (6.5% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: BSRR's Return on Equity is forecast to be low in 3 years time (11.9%).
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How has Sierra Bancorp performed over the past 5 years?
Past Performance Score2/6
Past Performance Score 2/6
Growing Profit Margin
Earnings vs Industry
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: BSRR has high quality earnings.
Growing Profit Margin: BSRR's current net profit margins (28.9%) are lower than last year (29.9%).
Past Earnings Growth Analysis
Earnings Trend: BSRR's earnings have grown by 16.1% per year over the past 5 years.
Accelerating Growth: BSRR's earnings growth over the past year (1.6%) is below its 5-year average (16.1% per year).
Earnings vs Industry: BSRR earnings growth over the past year (1.6%) underperformed the Banks industry 20.7%.
Return on Equity
High ROE: BSRR's Return on Equity (12.1%) is considered low.
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How is Sierra Bancorp's financial position? (This company is analysed differently as a bank or financial institution)
Financial Health Score5/6
Financial Health Score 5/6
Allowance for Bad Loans
Low Risk Liabilities
Low Risk Deposits
Level of Bad Loans
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: BSRR's Assets to Equity ratio (10.5x) is moderate.
Allowance for Bad Loans: BSRR has a low allowance for bad loans (74%).
Low Risk Liabilities: 93% of BSRR's liabilities are made up of primarily low risk sources of funding.
Loan Level: BSRR has an appropriate level of Loans to Assets ratio (57%).
Low Risk Deposits: BSRR's Loans to Deposits ratio (68%) is appropriate.
Level of Bad Loans: BSRR has an appropriate level of bad loans (1.5%).
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What is Sierra Bancorp current dividend yield, its reliability and sustainability?
Dividend Score 4/6
Future Dividend Coverage
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: BSRR's dividend (4.16%) is higher than the bottom 25% of dividend payers in the US market (1.62%).
High Dividend: BSRR's dividend (4.16%) is low compared to the top 25% of dividend payers in the US market (4.34%).
Stability and Growth of Payments
Stable Dividend: BSRR's dividends per share have been stable in the past 10 years.
Growing Dividend: BSRR's dividend payments have increased over the past 10 years.
Current Payout to Shareholders
Earnings Coverage: With its reasonably low payout ratio (34.4%), BSRR's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years or that it will be covered by earnings.
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How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Kevin McPhaill (48 yo)
Mr. Kevin J. McPhaill has been President and Chief Executive Officer of Bank of the Sierra and of Sierra Bancorp since April 1, 2015 and their Director since January 1, 2015. He has been employed in the ba...
CEO Compensation Analysis
Compensation vs Market: Kevin's total compensation ($USD1.30M) is below average for companies of similar size in the US market ($USD2.71M).
Compensation vs Earnings: Kevin's compensation has been consistent with company performance over the past year.
Experienced Management: BSRR's management team is considered experienced (2.4 years average tenure).
Experienced Board: BSRR's board of directors are considered experienced (6.6 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Sierra Bancorp's employee growth, exchange listings and data sources
- Name: Sierra Bancorp
- Ticker: BSRR
- Exchange: NasdaqGS
- Founded: 1977
- Industry: Regional Banks
- Sector: Banks
- Implied Market Cap: US$321.324m
- Shares outstanding: 14.92m
- Website: https://www.sierrabancorp.com
Number of Employees
- Sierra Bancorp
- 86 North Main Street
- United States
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/06/24 00:00|
|End of Day Share Price||2022/06/24 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.