Sierra Bancorp (BSRR) Key Metrics
BSRR valuation today
Trailing 12 months · as of October 18, 2026- Market cap
- $513.2M
- Enterprise value
- $726.7M
- P/E (TTM)
- 11.6 10-yr median 10.4
- Forward P/E
- 11.4
- PEG ratio
- 1.43
- Price / sales
- 3.4 10-yr median 3.0
- Price / book
- 1.4 10-yr median 1.2
- EV / EBITDA
- —
- Dividend yield
- 2.73% $1.08 a year
- Beta
- 0.75
BSRR key metrics, 2016–2025
Fiscal year ended December 31, 2025 · U.S. dollarsBSRR valuation Price multiples at each fiscal year-end price.
BSRR returns How much profit the business earns on the capital it uses.
BSRR per-share figures Results divided by the shares outstanding at year-end.
BSRR financial health Debt, liquidity and how easily interest is covered.
BSRR efficiency & capital use Working capital cycle and where the cash goes.
BSRR valuation history
BSRR returns on capital
Net income (ROE, ROA) or after-tax operating income (ROIC) divided by the average of the opening and closing balance.
BSRR debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease liabilities.
BSRR cash returned to shareholders
BSRR price vs earnings per share
BSRR key metrics
2016–2025| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Valuation | ||||||||||
| Market capitalization | $444.2M | $416.3M | $332.3M | $319.1M | $416.8M | $365.5M | $449.5M | $370.8M | $381.3M | $363.0M |
| Enterprise value | $358.3M | −$66.2M | −$212.9M | −$280.1M | −$620.7M | −$71.9M | −$176.4M | −$172.9M | −$190.6M | −$188.1M |
| P/E ratio | 10.5 | 10.3 | 9.5 | 9.5 | 9.7 | 10.3 | 12.5 | 12.5 | 19.5 | 20.7 |
| Price / sales | 2.2 | 2.2 | 2.0 | 2.2 | 3.2 | 2.9 | 3.6 | 3.2 | 3.9 | 4.3 |
| Price / book | 1.2 | 1.2 | 1.0 | 1.1 | 0.1 | 1.1 | 1.5 | 1.4 | 1.5 | 1.8 |
| Price / free cash flow | 13.8 | 7.4 | 6.4 | 9.9 | 8.0 | 9.8 | 9.8 | 13.6 | 9.9 | 30.3 |
| Price / operating cash flow | 13.2 | 7.3 | 6.2 | 9.5 | 7.9 | 9.1 | 9.6 | 12.2 | 9.4 | 23.3 |
| EV / sales | 1.8 | -0.3 | -1.3 | -2.0 | -4.7 | -0.6 | -1.4 | -1.5 | -2.0 | -2.2 |
| EV / EBITDA | 6.1 | — | — | — | — | — | — | — | — | — |
| EV / free cash flow | 11.1 | — | — | — | — | — | — | — | — | — |
| Earnings yield | 9.5% | 9.7% | 10.5% | 10.5% | 10.3% | 9.7% | 8.0% | 8.0% | 5.1% | 4.8% |
| Free cash flow yield | 7.2% | 13.5% | 15.6% | 10.1% | 12.5% | 10.2% | 10.2% | 7.4% | 10.1% | 3.3% |
| Dividend yield | 3.1% | 3.3% | 4.1% | 4.4% | 3.2% | 3.3% | 2.5% | 2.6% | 2.1% | 1.8% |
| Shareholder yield (dividends + buybacks) | 10.3% | 7.1% | 6.8% | 6.0% | 4.4% | 4.0% | 3.1% | 2.6% | 2.1% | 2.4% |
| Share price at fiscal year-end | $32.68 | $28.92 | $22.55 | $21.24 | $27.15 | $23.92 | $29.12 | $24.03 | $26.56 | $26.59 |
| Per share | ||||||||||
| Revenue per share | $14.86 | $13.28 | $11.46 | $9.48 | $8.56 | $8.31 | $8.15 | $7.56 | $6.77 | $6.18 |
| Earnings per share | $3.11 | $2.82 | $2.36 | $2.24 | $2.80 | $2.32 | $2.33 | $1.92 | $1.36 | $1.29 |
| Operating cash flow per share | $2.48 | $3.97 | $3.61 | $2.23 | $3.43 | $2.62 | $3.03 | $1.97 | $2.83 | $1.14 |
| Free cash flow per share | $2.37 | $3.89 | $3.52 | $2.15 | $3.41 | $2.43 | $2.98 | $1.77 | $2.68 | $0.88 |
| Cash per share | $44.51 | $52.56 | $74.49 | $67.37 | $80.17 | $40.27 | $44.11 | $41.12 | $43.77 | $47.65 |
| Book value per share | $26.84 | $24.82 | $22.94 | $20.21 | $214.06 | $22.51 | $20.04 | $17.69 | $17.83 | $15.08 |
| Tangible book value per share | $24.83 | $22.88 | $20.99 | $18.24 | $212.07 | $20.43 | $17.91 | $15.50 | $15.49 | $14.27 |
| Dividends per share | $1.01 | $0.95 | $0.93 | $0.93 | $0.86 | $0.80 | $0.73 | $0.63 | $0.55 | $0.48 |
| Capex per share | $0.11 | $0.08 | $0.10 | $0.08 | $0.02 | $0.19 | $0.05 | $0.20 | $0.15 | $0.26 |
| Debt per share | $38.18 | $19.04 | $37.49 | $27.48 | $12.59 | $11.65 | $3.56 | $5.89 | $3.93 | $7.28 |
| Shares outstanding | 13.6M | 14.4M | 14.7M | 15.0M | 15.4M | 15.3M | 15.4M | 15.4M | 14.4M | 13.7M |
| Change in shares outstanding | −5.6% | −2.3% | −1.9% | −2.2% | +0.5% | −1.0% | +0.0% | +7.5% | +5.2% | +0.5% |
| Returns & profitability | ||||||||||
| Return on equity (ROE) | 11.7% | 11.7% | 10.9% | 1.9% | 2.4% | 10.9% | 12.4% | 11.2% | 8.5% | 8.9% |
| Return on invested capital (ROIC) | 55.1% | — | — | — | 4.0% | — | — | — | — | — |
| Return on assets (ROA) | 1.1% | 1.1% | 0.9% | 1.0% | 1.3% | 1.2% | 1.4% | 1.2% | 0.9% | 0.9% |
| Return on tangible assets | 1.1% | 1.1% | 0.9% | 0.9% | 1.3% | 1.1% | 1.4% | 1.2% | 0.8% | 0.9% |
| Free cash flow margin | 15.9% | 29.3% | 30.7% | 22.7% | 39.8% | 29.2% | 36.5% | 23.4% | 39.6% | 14.2% |
| Income quality (OCF / net income) | 0.80 | 1.41 | 1.53 | 1.00 | 1.22 | 1.13 | 1.30 | 1.03 | 2.08 | 0.89 |
| Financial health | ||||||||||
| Total debt | $519.1M | $274.1M | $552.6M | $412.9M | $193.3M | $178.0M | $54.9M | $90.9M | $56.5M | $99.4M |
| Cash & short-term investments | $605.0M | $756.6M | $1.10B | $1.01B | $1.23B | $615.4M | $680.9M | $634.6M | $628.5M | $650.5M |
| Net debt | −$85.9M | −$482.5M | −$545.2M | −$599.2M | −$1.04B | −$437.4M | −$625.9M | −$543.7M | −$572.0M | −$551.1M |
| Debt / equity | 1.42 | 0.77 | 1.63 | 1.36 | 0.06 | 0.52 | 0.18 | 0.33 | 0.22 | 0.48 |
| Debt / assets | 0.14 | 0.08 | 0.15 | 0.11 | 0.06 | 0.06 | 0.02 | 0.04 | 0.02 | 0.05 |
| Net debt / EBITDA | −1.46 | −8.50 | −10.97 | −12.37 | −16.88 | −8.64 | −12.09 | −12.42 | −15.58 | −18.86 |
| Current ratio | 0.19 | 0.26 | 0.36 | 0.32 | 0.52 | 4.42 | 34.46 | 33.69 | 77.96 | 22.38 |
| Quick ratio | 0.19 | 0.26 | 0.34 | 0.35 | 0.63 | 5.04 | 38.91 | 33.67 | 77.71 | 22.35 |
| Interest coverage | 1.2 | 1.0 | 0.9 | 3.7 | 14.1 | 8.6 | 3.5 | 4.3 | 6.4 | 7.9 |
| Working capital | −$2.61B | −$2.23B | −$2.03B | −$2.14B | −$1.14B | $488.6M | $669.1M | $1.83B | $1.69B | $1.39B |
| Invested capital | $278.9M | −$125.2M | −$207.1M | −$295.6M | $2.25B | −$93.5M | −$316.6M | −$270.7M | −$316.0M | −$345.2M |
| Tangible asset value | $337.5M | $329.3M | $309.3M | $273.9M | $3.26B | $312.2M | $276.5M | $239.2M | $222.4M | $194.8M |
| Net current asset value | −$2.85B | −$2.48B | −$2.27B | −$2.27B | $1.16B | −$2.25B | −$1.60B | −$359.7M | −$376.9M | −$372.2M |
| Graham number | $43.37 | $39.67 | $34.93 | $31.92 | $116.16 | $34.27 | $32.41 | $27.67 | $23.36 | $20.90 |
| Graham net-net per share | −$209.58 | −$172.85 | −$152.63 | −$154.89 | $66.46 | −$150.10 | −$106.37 | −$104.19 | −$100.81 | −$85.75 |
| Capital allocation | ||||||||||
| Dividends paid | $13.7M | $13.6M | $13.7M | $13.9M | $13.2M | $12.2M | $11.3M | $9.8M | $7.9M | $6.5M |
| Share buybacks (net) | $31.8M | $15.8M | $8.9M | $5.2M | $5.2M | $2.6M | $2.5M | $0 | $0 | $2.3M |
| Dividend payout ratio | 32.4% | 33.6% | 39.4% | 41.4% | 30.8% | 34.4% | 31.5% | 32.9% | 40.6% | 37.0% |
| Dividends + buybacks / free cash flow | 141.6% | 52.6% | 43.6% | 59.2% | 35.3% | 39.8% | 30.2% | 35.7% | 20.6% | 73.1% |
| Capex / revenue | 0.8% | 0.6% | 0.8% | 0.9% | 0.3% | 2.3% | 0.6% | 2.7% | 2.2% | 4.3% |
| Capex / operating cash flow | 4.5% | 2.0% | 2.7% | 3.8% | 0.7% | 7.3% | 1.7% | 10.3% | 5.3% | 23.0% |
| Capex / depreciation | 0.58 | 0.40 | 0.44 | 0.36 | 0.09 | 0.71 | 0.19 | 0.74 | 0.61 | 1.26 |
| Stock-based compensation / revenue | 1.1% | 1.0% | 1.0% | 0.9% | 0.8% | 0.5% | 0.4% | 0.3% | 0.5% | 0.2% |
| SG&A / revenue | 32.2% | 27.1% | 31.5% | 34.2% | 33.4% | 33.1% | 31.1% | 34.1% | 35.5% | 36.7% |
| Efficiency | ||||||||||
| Days sales outstanding | 27.3 | 34.7 | 41.8 | 37.9 | 37.9 | 34.9 | 24.4 | 25.5 | 26.3 | 26.3 |
| Days of inventory on hand | — | — | -124.8 | -2,915.4 | -163,031.4 | -2,321.7 | -996.1 | 88.1 | 344.4 | 297.6 |
| Days payables outstanding | — | — | — | 45,030.8 | 2,466,568.7 | 62,667.9 | 48,484.6 | 55,106.1 | 164,659.3 | 173,553.4 |
| Cash conversion cycle (days) | — | — | — | -47,908.3 | -2,629,562.1 | -64,954.7 | -49,456.3 | -54,992.6 | -164,288.5 | -173,229.6 |
| Receivables turnover | 13.39 | 10.52 | 8.73 | 9.63 | 9.62 | 10.45 | 14.96 | 14.34 | 13.86 | 13.87 |
| Payables turnover | — | — | — | 0.01 | 0.00 | 0.01 | 0.01 | 0.01 | 0.00 | 0.00 |
| Inventory turnover | — | — | — | — | — | — | — | 4.14 | 1.06 | 1.23 |
| Asset turnover | 0.05 | 0.05 | 0.05 | 0.04 | 0.04 | 0.04 | 0.05 | 0.05 | 0.04 | 0.04 |
| Average receivables | $15.1M | $18.2M | $19.4M | $14.8M | $13.7M | $12.2M | $8.4M | $8.1M | $7.0M | $6.1M |
| Average payables | — | — | — | $2.81B | $2.70B | $2.40B | $2.14B | $2.05B | $1.84B | $1.58B |
| Average inventory | — | — | −$18.6M | −$182.2M | −$178.7M | −$88.8M | −$44.0M | $3.3M | $3.9M | $2.7M |
| Intangibles / total assets | 0.7% | 0.8% | 0.8% | 0.8% | 0.9% | 1.0% | 1.3% | 1.3% | 1.4% | 0.5% |
Computed from BSRR's annual financial statements (latest annual report filed February 27, 2026) and the closing share price on each fiscal year-end, adjusted for stock splits. Figures in U.S. dollars; data from EODHD. Averages use the opening and closing balance of each year.
BSRR valuation and financial ratios
At the end of fiscal 2025 (December 31, 2025), Sierra Bancorp traded at 10.5 times earnings, against a 10-year median of 10.4. Based on the latest twelve months, the trailing P/E is 11.6 and the forward P/E is 11.4. Sierra Bancorp earned a return on equity of 11.7% and a return on invested capital of 55.1% in fiscal 2025. It ended the year with $519.1 million of debt and $605.0 million in cash and short-term investments, a net cash position of $85.9 million. It returned $45.6 million to shareholders: $13.7 million in dividends and $31.8 million in share buybacks, 142% of free cash flow.
See the BSRR income statement, the BSRR chart for price history, or the BSRR stock overview for the latest quote and news.
BSRR key metrics FAQ
What is Sierra Bancorp's P/E ratio?
Sierra Bancorp's trailing P/E ratio is 11.6 based on the last twelve months of earnings (as of October 18, 2026), and its forward P/E is 11.4. At the end of fiscal 2025 it was 10.5, compared with a 10-year median of 10.4.
What is Sierra Bancorp's EV/EBITDA?
Sierra Bancorp's enterprise value was 6.1 times EBITDA at the end of fiscal 2025 (enterprise value $358.3 million, EBITDA $59.0 million).
What is Sierra Bancorp's return on equity?
Sierra Bancorp's return on equity (ROE) was 11.7% in fiscal 2025: net income of $42.3 million on average shareholders' equity of $361.1 million.
What is Sierra Bancorp's ROIC?
Sierra Bancorp's return on invested capital was 55.1% in fiscal 2025, using after-tax operating income divided by average debt plus equity minus cash.
How much debt does Sierra Bancorp have?
Sierra Bancorp had total debt of $519.1 million at the end of fiscal 2025, a debt-to-equity ratio of 1.42 and more cash than debt.
What is Sierra Bancorp's dividend yield?
Sierra Bancorp's forward dividend yield is 2.73%. Sierra Bancorp paid $13.7 million in dividends in fiscal 2025 ($1.01 per share), a payout ratio of 32.4%.
Does Sierra Bancorp buy back its shares?
Yes. Sierra Bancorp spent $31.8 million on net share repurchases in fiscal 2025 Shares outstanding changed −5.6% over the year, to 13.6M..
What is Sierra Bancorp's free cash flow yield?
Sierra Bancorp generated $32.2 million of free cash flow in fiscal 2025, a free cash flow yield of 7.2% on its market value at year-end ($444.2 million).
What is Sierra Bancorp's current ratio?
Sierra Bancorp's current ratio was 0.19 at the end of fiscal 2025: current assets were 0.19 times current liabilities.