Sierra Bancorp (BSRR) Income Statement
BSRR 2025 at a glance
Fiscal year ended December 31, 2025 · U.S. dollarsBSRR revenue and net income
Where BSRR's revenue goes
2025Each bar shows an amount and its share of revenue. BSRR kept 21.0% of revenue as net income.
BSRR profit margins
BSRR growth rates
to 2025| 1 year | 3 years | 5 years | 10 years | |
|---|---|---|---|---|
| Revenue | +5.7% | +12.3% | +9.7% | +10.1% |
| Gross profit | +11.3% | +7.6% | +5.7% | +7.1% |
| Operating income | +4.7% | +7.9% | +3.9% | +7.6% |
| Net income | +4.4% | +7.9% | +3.6% | +8.9% |
| EPS (diluted) | +11.0% | +11.8% | +7.7% | +8.9% |
1-year change and average annual growth (CAGR) over 3, 5 and 10 fiscal years. "—" when a starting value was zero or negative.
BSRR quarterly EPS vs estimates
Sierra Bancorp beat the analyst EPS estimate in 5 of the last 8 quarters. Next report: October 26, 2026 (estimate $0.90).
BSRR income statement
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $202.0M | $191.1M | $168.9M | $142.5M | $131.4M | $127.0M | $125.8M | $116.6M | $97.2M | $84.3M |
| Cost of revenue | $52.8M | $57.1M | $54.4M | $22.8M | $400,000 | $14.0M | $16.1M | $13.6M | $4.1M | $3.3M |
| Gross profit | $149.2M | $134.0M | $114.5M | $119.7M | $131.0M | $113.1M | $109.7M | $103.1M | $93.2M | $81.0M |
| Research & development | — | — | — | — | — | — | — | $0 | $0 | $0 |
| Sales, general & admin | $65.1M | $51.8M | $53.2M | $48.8M | $44.0M | $42.1M | $39.1M | $39.7M | $34.5M | $31.0M |
| Total operating expenses | $92.8M | $80.2M | $68.0M | $74.8M | $73.8M | $66.5M | $61.9M | $63.5M | $60.0M | $54.6M |
| Operating income | $56.4M | $53.9M | $46.5M | $44.9M | $57.2M | $46.5M | $47.7M | $39.6M | $33.2M | $26.4M |
| Interest income | $171.4M | $172.3M | $156.3M | $121.8M | $113.1M | $110.2M | $110.9M | $101.6M | $80.9M | $68.5M |
| Interest expense | $46.7M | $52.3M | $50.7M | $12.2M | $4.0M | $5.4M | $13.6M | $9.2M | $5.2M | $3.3M |
| Income before taxes | $56.3M | $53.9M | $46.5M | $44.9M | $57.2M | $46.5M | $47.7M | $39.6M | $33.2M | $26.4M |
| Income taxes | $14.0M | $13.3M | $11.6M | $11.3M | $14.2M | $11.1M | $11.8M | $9.9M | $13.6M | $8.8M |
| Net income | $42.3M | $40.6M | $34.8M | $33.7M | $43.0M | $35.4M | $36.0M | $29.7M | $19.5M | $17.6M |
| EBITDA | $59.0M | $56.7M | $49.7M | $48.5M | $61.5M | $50.6M | $51.8M | $43.8M | $36.7M | $29.2M |
| EPS (diluted) | $3.12 | $2.81 | $2.36 | $2.23 | $2.80 | $2.15 | $2.32 | $1.95 | $1.65 | $1.29 |
| Gross margin | 73.9% | 70.1% | 67.8% | 84.0% | 99.7% | 89.0% | 87.2% | 88.3% | 95.8% | 96.1% |
| Operating margin | 27.9% | 28.2% | 27.5% | 31.5% | 43.5% | 36.6% | 37.9% | 33.9% | 34.1% | 31.3% |
| Net margin | 21.0% | 21.2% | 20.6% | 23.6% | 32.7% | 27.9% | 28.6% | 25.4% | 20.1% | 20.8% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $49.5M | $49.2M | $50.6M | $49.7M | $49.0M | $46.0M | $44.6M | $50.3M | $49.0M | $47.3M | $32.9M | $47.9M |
| Cost of revenue | $12.7M | $10.6M | $10.5M | $15.7M | $13.3M | $13.4M | $15.1M | $15.4M | $14.2M | $12.4M | $18.1M | $14.3M |
| Gross profit | $36.8M | $38.6M | $40.2M | $34.0M | $35.8M | $32.6M | $29.5M | $34.9M | $34.8M | $34.9M | $14.8M | $33.6M |
| Sales, general & admin | $15.8M | $15.8M | $23.3M | $14.0M | $14.2M | $13.2M | $10.7M | $13.2M | $13.0M | $14.8M | $11.7M | $14.1M |
| Total operating expenses | $23.5M | $21.8M | $23.0M | $21.3M | $21.5M | $20.3M | $16.9M | $20.5M | $20.6M | $22.2M | $6.6M | $20.3M |
| Operating income | $13.3M | $16.7M | $17.2M | $12.7M | $14.2M | $12.3M | $12.6M | $14.4M | $14.2M | $12.7M | $8.3M | $13.3M |
| Interest income | $40.9M | $41.2M | $43.3M | $43.9M | $42.7M | $41.5M | $43.1M | $44.8M | $43.5M | $41.0M | $42.4M | $42.4M |
| Interest expense | $10.5M | $10.6M | $11.3M | $12.0M | $12.1M | $11.3M | $12.7M | $14.0M | $13.3M | $12.2M | $14.6M | $14.3M |
| Income before taxes | $13.3M | $16.7M | $17.1M | $12.7M | $14.2M | $12.3M | $12.6M | $14.4M | $14.2M | $12.7M | $8.3M | $13.3M |
| Income taxes | $3.4M | $4.2M | $4.2M | $3.0M | $3.6M | $3.2M | $2.2M | $3.8M | $3.9M | $3.3M | $2.0M | $3.4M |
| Net income | $9.9M | $12.5M | $12.9M | $9.7M | $10.6M | $9.1M | $10.4M | $10.6M | $10.3M | $9.3M | $6.3M | $9.9M |
| EBITDA | $13.8M | $17.3M | $17.8M | $13.4M | $14.9M | $12.9M | $13.3M | $15.1M | $14.9M | $13.4M | $9.0M | $14.1M |
| EPS (diluted) | $0.77 | $0.96 | $0.97 | $0.72 | $0.78 | $0.65 | $0.72 | $0.74 | $0.71 | $0.64 | $0.43 | $0.68 |
| Gross margin | 74.3% | 78.4% | 79.3% | 68.5% | 73.0% | 70.8% | 66.0% | 69.4% | 71.0% | 73.8% | 45.0% | 70.2% |
| Operating margin | 26.8% | 34.0% | 33.9% | 25.6% | 29.0% | 26.7% | 28.2% | 28.7% | 29.0% | 26.8% | 25.1% | 27.8% |
| Net margin | 20.0% | 25.5% | 25.5% | 19.5% | 21.7% | 19.8% | 23.2% | 21.1% | 20.9% | 19.7% | 19.1% | 20.6% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported in BSRR's financial statements (latest annual report filed February 27, 2026); data from EODHD. Sales, general & administrative expenses include sales and marketing.
BSRR financial results
In fiscal year 2025 (ended December 31, 2025), Sierra Bancorp reported revenue of $202.0 million, up 5.7% from the year before. It had net income of $42.3 million (up 4.4%), a net profit margin of 21.0%. Diluted earnings per share came to $3.12. Over five years revenue grew at an average rate of 9.7% a year.
See the BSRR stock overview for the latest quote and news, or the BSRR chart for price history and technical indicators.
BSRR income statement FAQ
What is Sierra Bancorp's annual revenue?
Sierra Bancorp reported total revenue of $202.0 million for fiscal year 2025, which ended on December 31, 2025. That was up 5.7% from $191.1 million the previous year.
Is Sierra Bancorp profitable?
Yes. Sierra Bancorp reported net income of $42.3 million in fiscal 2025, a net profit margin of 21.0%; its operating margin was 27.9%.
What is Sierra Bancorp's gross margin?
Sierra Bancorp's gross margin was 73.9% in fiscal 2025: for every $100 of revenue, Sierra Bancorp kept $74 after the direct cost of its products and services.
How fast is Sierra Bancorp growing?
Revenue grew 9.7% a year on average over the last five fiscal years, from $127.0 million to $202.0 million.
What are Sierra Bancorp's earnings per share?
Sierra Bancorp earned $3.12 per diluted share in fiscal 2025, compared with $2.81 a year earlier.
When will Sierra Bancorp report its next earnings?
Sierra Bancorp is expected to report results for the quarter ending September 30, 2026 on October 26, 2026 before the market opens.
When does Sierra Bancorp's fiscal year end?
Sierra Bancorp's fiscal year ends in December. The latest annual report covers the year ended December 31, 2025 and was filed on February 27, 2026.