Sierra Bancorp (BSRR) AI Stock Analysis

Sierra Bancorp serves as the bank holding company for Bank of the Sierra, catering to individuals and businesses across California. Established in 1977 and headquartered in Porterville, California, the company offers retail and commercial banking products. Its offerings include checking, savings, money market demand, time deposit, retirement, and sweep accounts. Its lending portfolio covers agricultural, commercial, consumer, real estate, construction, and mortgage loans. Sierra Bancorp also provides ATMs, electronic point-of-sale payment options, online and automated telephone banking, remote deposit capture, and automated payroll services.

Sierra Bancorp expanded annual revenue from $131.4M in FY2021 to $202.0M in FY2025, achieving a 5-year revenue CAGR of 9.7%. Net income rose from $43.0M in FY2021 to $42.3M in FY2025, after dipping to $33.7M in FY2022. Operating margin was 27.9% in FY2025, compared to 43.5% in FY2021. Diluted EPS reached $3.12 in FY2025. Over the trailing twelve months, revenue was $151.8M with a profit margin of 29.7% and EPS of $3.40. In the latest quarter ended June 30, 2026, quarterly revenue fell 3.2% year-over-year, while quarterly earnings declined 1.3%.

As of June 30, 2026, Sierra Bancorp held $1.04B in cash and short-term investments against total debt of $208.0M, resulting in net cash of $829.4M. Shareholders' equity was $366.9M, total assets stood at $3.72B, and the debt-to-equity ratio was 0.57. In FY2025, operating cash flow was $33.7M and free cash flow was $32.2M after capital expenditures of $1.5M. The bank deployed capital toward $31.8M in share buybacks and paid $13.7M in dividends, reducing share count by 14.8% over 5 years.

At a share price of $39.59, Sierra Bancorp has a market capitalization of $513.2M. The stock trades at a trailing P/E of 11.6x, compared to the median of 12.1x for its US-listed Financial Services peers. Its forward P/E of 11.4x is slightly above the peer median of 10.8x, while its price-to-sales ratio of 3.4x compares to the peer median of 3.2x. Over the past year, BSRR generated a 50.3% return, outperforming the S&P 500 (SPY) return of 16.8%. Over 5 years, the stock returned 96.8% versus 83.0% for the index.

Sierra Bancorp pays an annual forward dividend of $1.08 per share, representing a dividend yield of 2.72%. The bank has paid dividends for 33 consecutive years, with a 5-year annualized dividend growth rate of 4.6%. Its payout ratio stands at 30.4%, and distributions are paid quarterly, with the most recent ex-dividend date on August 3, 2026.

Wall Street coverage includes 1 Strong Buy and 4 Hold ratings among 5 analysts covering next fiscal year. The mean price target is $43.00, representing an 8.6% upside from the close of $39.59 on October 16, 2026. For the fiscal year ending December 31, 2026, analysts estimate EPS of $3.55 (up 14.3%) and revenue of $156.6M. Sierra Bancorp has beaten EPS estimates in 2 of the last 4 quarters, and the next earnings date is October 26, 2026.

This page is an AI-written research summary of Sierra Bancorp (BSRR). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

Related: BSRR income statement, BSRR balance sheet, BSRR key metrics, BSRR analyst forecast, BSRR chart. See the BSRR stock overview for the latest quote and news.