BSRR
Neutral signalScored 2026-10-31 Drivers: trend, fundamentals. Moteurs : tendance, fondamentaux.
Research, not advice.
À propos
Sierra Bancorp
- Nom
- Sierra Bancorp
- Secteur
- Financial Services
- Industrie
- Banks - Regional
- Bourse
- NASDAQ
- Capitalisation
- $546.8M
- Employés
- 452
- PDG
- Kevin J. McPhaill
- Site web
- https://www.bankofthesierra.com
- Marché
- BCALBMRCCWBCOVLYPBAMPCB
Sierra Bancorp serves as the holding company for Bank of the Sierra, providing a full suite of retail and commercial banking services to individuals and businesses across California. The institution offers diverse deposit solutions, including checking, savings, money market, time deposits, retirement, and sweep accounts. Its lending portfolio encompasses agricultural, commercial, consumer, real estate, construction, and mortgage loans. Additionally, the company facilitates access to automated teller machines (ATMs), electronic point-of-sale payment options, online and automated telephone banking, and business-focused services such as remote deposit capture and automated payroll. As of December 31, 2021, Sierra Bancorp operated 35 full-service branches, an online branch, a loan production office, an agricultural credit center, and an SBA center. Founded in 1977, its corporate headquarters are located in Porterville, California.
Price (1 year)
Live chart from TradingView — independent market data, as price context around the filings, not the Quorum score. EMA 50/200 and Bollinger load by default. When the exchange is known it is sent as EXCHANGE:SYMBOL; otherwise TradingView resolves the ticker best-effort.
VENTE TOTALE: 5 850 titres (~247 696,60 $ US)
- Insiders
- Scearcy Lynda
- Total bought
-
—
Avg buy (VWAP, 90d window) —
- Total sold
-
$419,110
Avg sell (VWAP, 90d window) $42.55 vs last close $41.90 (-1.5%)
Total sold sums Form 4 code S in this window. Codes F, M, A and G are left out.
- Last activity
- 2026-10-29
- Liquidity
- Thin $3,383,119/day · 20d vol
- Last synced
-
2026-10-31 10:36:10
Sign in to request a sync of this company's price history and timing levels.
Insider holdings as a share of total assets aren't available for this company.
Avg buy and avg sell are volume-weighted prices (sum of shares × price, divided by shares) for Form 4 rows in this 90-day window that report both figures. A comparison with last close is market context for that average, not advice.
Recent Form 4
Filings in the 90-day window for this company. Value is shares × price from the filing. Research, not advice.
| Date | Person | Side | Shares | Price | Value | Form 4 |
|---|---|---|---|---|---|---|
| 2026-10-29 | McPhaill Kevin J | Sell · S S · 10b5-1: not stated | 4,000 | $42.85 | ≈ $171,413 | Form 4 |
| 2026-10-29 | Scearcy Lynda | Sell · S S · 10b5-1: not stated | 5,850 | $42.34 | ≈ $247,697 | Form 4 |
| 2026-07-31 | Castle Julie G | Sell · S S · 10b5-1: not stated | 1,000 | $40.70 | ≈ $40,703 | Form 4 |
Congressional trades
STOCK Act disclosures (90-day window)
Amounts are STOCK Act brackets as disclosed. Quorum does not turn a bracket into an exact price or a midpoint.
No STOCK Act disclosures for this company in this window.
Signal
Neutral signalScored 2026-10-31 Drivers: trend, fundamentals. Moteurs : tendance, fondamentaux.
BSRR shows a strong earnings catalyst with a significant Q3 EPS beat and a share repurchase program, but the critically weak balance sheet — current ratio of 0.19, negative working capital, and debt-to-EBITDA of 6.49 —…
The first sentence of the analysis written for BSRR on 2026-10-31 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.
Factor checklist — research, not advice
A check leans with a bullish reading. A cross leans against it. A dash is unavailable or mixed.
- Insider Pulls against a bullish reading. Selling cluster — sale value, no purchase value
- Narrative Unavailable or mixed. Stored narrative reading is in the neutral band
- Congress Unavailable or mixed. No purchase disclosures in the stored window
- Timing Supports a bullish reading. Interesting trend — weekly bias up
- Financial indicators Unavailable or mixed. Current ratio 0.19 · operating margin 28% — readings disagree
Suggested stop 40.32, nearest stored support minus 0.5 ATR(3.8% under the last close). Reward/risk to the next stored resistance is 0.15. Wait — that reward/risk is under 2. Research, not advice. Not an order.
Recent news
- 2026-10-29 Best Momentum Stocks to Buy for October 29th BSRR and BOOM made it to the Zacks Rank #1 (Strong Buy) momentum stocks list on October 29th, 2026.
- 2026-10-29 New Strong Buy Stocks for October 29th ODD, BOOM, BSRR, AIN and MUR have been added to the Zacks Rank #1 (Strong Buy) List on October 29th, 2026.
- 2026-10-26 Sierra Bancorp (BSRR) Reports Q3 Earnings: What Key Metrics Have to Say The headline numbers for Sierra Bancorp (BSRR) give insight into how the company performed in the quarter ended September 2026, but it may be worthwhile to compare some of its key metrics to Wall Street estimates and the year-ago actuals.
- 2026-10-26 Sierra Bancorp (BSRR) Tops Q3 Earnings and Revenue Estimates Sierra Bancorp (BSRR) came out with quarterly earnings of $1.18 per share, beating the Zacks Consensus Estimate of $0.9 per share. This compares to earnings of $0.72 per share a year ago.
- 2026-10-26 Sierra Bancorp Reports Record Quarterly Income PORTERVILLE, Calif.--(BUSINESS WIRE)--Sierra Bancorp Reports Record Quarterly Income.
- 2026-10-23 Sierra Bancorp Announces Share Repurchase Program and Declares Quarterly Cash Dividend PORTERVILLE, Calif.--(BUSINESS WIRE)--Sierra Bancorp Announces Share Repurchase Program and Declares Quarterly Cash Dividend.
- 2026-10-19 Sierra Bancorp (BSRR) to Report Q3 Results: Wall Street Expects Earnings Growth Sierra Bancorp (BSRR) doesn''t possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.
- 2026-09-01 Beacon Pointe Advisors LLC Takes $804,000 Position in Sierra Bancorp $BSRR Beacon Pointe Advisors LLC acquired a new position in Sierra Bancorp (NASDAQ: BSRR) during the undefined quarter, according to its most recent filing with the SEC. The fund acquired 20,439 shares of the financial services provider''s stock, valued at approximately $804,000. Beacon Pointe Advisors LLC owned approximately 0.16% of Sierra Bancorp as of
- 2026-08-11 Is the Options Market Predicting a Spike in Sierra Bancorp Stock? Investors need to pay close attention to BSRR stock based on the movements in the options market lately.
- 2026-08-05 Sierra Bancorp $BSRR Shares Purchased by Arrowstreet Capital Limited Partnership Arrowstreet Capital Limited Partnership boosted its holdings in Sierra Bancorp (NASDAQ: BSRR) by 19.2% during the undefined quarter, according to its most recent disclosure with the Securities and Exchange Commission (SEC). The fund owned 98,619 shares of the financial services provider''s stock after buying an additional 15,877 shares during the quarter. Arrowstreet Capital
Market snapshot
Financial ratios
| Metric | Trend | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|---|
| Gross Profit Margin | 73.9% | 70.1% | 67.8% | 84.0% | 99.7% | |
| Ebit Margin | 27.9% | 28.2% | 27.5% | 31.5% | 43.5% | |
| Ebitda Margin | 29.2% | 29.7% | 29.4% | 34.0% | 46.8% | |
| Operating Profit Margin | 27.9% | 28.2% | 27.5% | 31.5% | 43.5% | |
| Pretax Profit Margin | 27.9% | 28.2% | 27.5% | 31.5% | 43.5% | |
| Continuous Operations Profit Margin | 21.0% | 21.2% | 20.6% | 23.6% | 32.7% | |
| Net Profit Margin | 21.0% | 21.2% | 20.6% | 23.6% | 32.7% | |
| Bottom Line Profit Margin | 21.0% | 21.2% | 20.6% | 23.6% | 32.7% | |
| Current Ratio | 0.192 | 0.257 | 0.355 | 0.325 | 0.430 | |
| Quick Ratio | 0.192 | 0.257 | 0.355 | 0.325 | 0.430 | |
| Solvency Ratio | 0.013 | 0.013 | 0.011 | 0.011 | 0.016 | |
| Cash Ratio | 0.042 | 0.034 | 0.025 | 0.024 | 0.089 | |
| Price To Earnings Ratio | 10.408 | 10.183 | 9.515 | 9.440 | 9.628 | |
| Price To Earnings Growth Ratio | 0.985 | 0.513 | 1.784 | -0.467 | 0.458 | |
| Forward Price To Earnings Growth Ratio | 0.985 | 0.513 | 1.784 | -0.467 | 0.458 | |
| Price To Earnings Diluted Ratio | 10.508 | 10.255 | 9.555 | 9.482 | 9.696 | |
| Price To Earnings Diluted Growth Ratio | 1.022 | 0.526 | 1.784 | -0.474 | 0.469 | |
| Price To Book Ratio | 1.209 | 1.156 | 0.981 | 1.046 | 1.142 | |
| Price To Sales Ratio | 2.184 | 2.161 | 1.963 | 2.229 | 3.149 | |
| Price To Free Cash Flow Ratio | 13.709 | 7.377 | 6.398 | 9.835 | 7.915 | |
| Price To Operating Cash Flow Ratio | 13.086 | 7.228 | 6.228 | 9.462 | 7.859 | |
| Debt To Assets Ratio | 0.136 | 0.076 | 0.148 | 0.114 | 0.057 | |
| Debt To Equity Ratio | 1.423 | 0.767 | 1.634 | 1.360 | 0.528 | |
| Debt To Capital Ratio | 0.587 | 0.434 | 0.620 | 0.576 | 0.346 | |
| Long Term Debt To Capital Ratio | 0.312 | 0.316 | 0.328 | 0.218 | 0.189 | |
| Financial Leverage Ratio | 10.495 | 10.115 | 11.032 | 11.887 | 9.300 | |
| Working Capital Turnover Ratio | -0.083 | -0.090 | -0.081 | -0.075 | -0.069 | |
| Operating Cash Flow Ratio | 0.010 | 0.019 | 0.017 | 0.011 | 0.018 | |
| Operating Cash Flow Sales Ratio | 0.167 | 0.299 | 0.315 | 0.236 | 0.401 | |
| Free Cash Flow Operating Cash Flow Ratio | 0.955 | 0.980 | 0.973 | 0.962 | 0.993 | |
| Debt Service Coverage Ratio | 0.113 | 0.270 | 0.087 | 0.109 | 0.426 | |
| Interest Coverage Ratio | 1.208 | 1.030 | 0.916 | 3.680 | 14.123 | |
| Short Term Operating Cash Flow Coverage Ratio | 0.095 | 0.525 | 0.137 | 0.102 | 0.492 | |
| Operating Cash Flow Coverage Ratio | 0.065 | 0.209 | 0.096 | 0.081 | 0.275 | |
| Capital Expenditure Coverage Ratio | 22.001 | 49.440 | 37.629 | 26.393 | 141.930 | |
| Dividend Paid And Capex Coverage Ratio | 2.208 | 3.864 | 3.519 | 2.210 | 3.871 | |
| Dividend Payout Ratio | 0.324 | 0.336 | 0.394 | 0.414 | 0.308 | |
| Enterprise Value Multiple | 13.964 | 10.335 | 16.211 | 13.486 | 5.656 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 73.9% | ▲3.7% | ▼-5.2% |
| Ebit Margin | 27.9% | ▼-0.3% | ▼-3.8% |
| Ebitda Margin | 29.2% | ▼-0.5% | ▼-4.6% |
| Operating Profit Margin | 27.9% | ▼-0.3% | ▼-3.8% |
| Pretax Profit Margin | 27.9% | ▼-0.3% | ▼-3.8% |
| Continuous Operations Profit Margin | 21.0% | ▼-0.3% | ▼-2.9% |
| Net Profit Margin | 21.0% | ▼-0.3% | ▼-2.9% |
| Bottom Line Profit Margin | 21.0% | ▼-0.3% | ▼-2.9% |
| Current Ratio | 0.192 | ▼-0.066 | ▼-0.120 |
| Quick Ratio | 0.192 | ▼-0.066 | ▼-0.120 |
| Solvency Ratio | 0.013 | ▼-0.000 | ▲0.000 |
| Cash Ratio | 0.042 | ▲0.008 | ▼-0.001 |
| Price To Earnings Ratio | 10.408 | ▲0.225 | ▲0.573 |
| Price To Earnings Growth Ratio | 0.985 | ▲0.472 | ▲0.331 |
| Forward Price To Earnings Growth Ratio | 0.985 | ▲0.472 | ▲0.331 |
| Price To Earnings Diluted Ratio | 10.508 | ▲0.253 | ▲0.609 |
| Price To Earnings Diluted Growth Ratio | 1.022 | ▲0.496 | ▲0.357 |
| Price To Book Ratio | 1.209 | ▲0.053 | ▲0.102 |
| Price To Sales Ratio | 2.184 | ▲0.023 | ▼-0.153 |
| Price To Free Cash Flow Ratio | 13.709 | ▲6.332 | ▲4.662 |
| Price To Operating Cash Flow Ratio | 13.086 | ▲5.858 | ▲4.314 |
| Debt To Assets Ratio | 0.136 | ▲0.060 | ▲0.029 |
| Debt To Equity Ratio | 1.423 | ▲0.655 | ▲0.280 |
| Debt To Capital Ratio | 0.587 | ▲0.153 | ▲0.074 |
| Long Term Debt To Capital Ratio | 0.312 | ▼-0.004 | ▲0.039 |
| Financial Leverage Ratio | 10.495 | ▲0.380 | ▼-0.071 |
| Working Capital Turnover Ratio | -0.084 | ▲0.006 | ▼-0.004 |
| Operating Cash Flow Ratio | 0.010 | ▼-0.009 | ▼-0.005 |
| Operating Cash Flow Sales Ratio | 0.167 | ▼-0.132 | ▼-0.117 |
| Free Cash Flow Operating Cash Flow Ratio | 0.955 | ▼-0.025 | ▼-0.018 |
| Debt Service Coverage Ratio | 0.113 | ▼-0.157 | ▼-0.088 |
| Interest Coverage Ratio | 1.208 | ▲0.178 | ▼-2.984 |
| Short Term Operating Cash Flow Coverage Ratio | 0.095 | ▼-0.430 | ▼-0.175 |
| Operating Cash Flow Coverage Ratio | 0.065 | ▼-0.144 | ▼-0.080 |
| Capital Expenditure Coverage Ratio | 22.001 | ▼-27.440 | ▼-33.478 |
| Dividend Paid And Capex Coverage Ratio | 2.208 | ▼-1.657 | ▼-0.927 |
| Dividend Payout Ratio | 0.325 | ▼-0.012 | ▼-0.031 |
| Enterprise Value Multiple | 13.964 | ▲3.628 | ▲2.034 |
Key metrics
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Market cap | $441.1M | $413.1M | $331.6M | $317.7M | $413.8M | |
| Enterprise value | $824.5M | $586.5M | $805.6M | $653.4M | $347.7M | |
| EV / Sales | 4.08x | 3.07x | 4.77x | 4.59x | 2.65x | |
| EV / Op. cash flow | 24.46x | 10.26x | 15.13x | 19.46x | 6.60x | |
| EV / Free cash flow | 25.63x | 10.47x | 15.54x | 20.23x | 6.65x | |
| EV / EBITDA | 13.96x | 10.34x | 16.21x | 13.49x | 5.66x | |
| Net debt / EBITDA | 6.49x | 3.06x | 9.54x | 6.93x | -1.08x | |
| Current ratio | 0.19x | 0.26x | 0.35x | 0.33x | 0.43x | |
| Income quality | 0.80x | 1.41x | 1.53x | 1.00x | 1.22x | |
| Graham number | $44 | $40 | $35 | $32 | $39 | |
| Graham net-net | -$211 | -$174 | -$155 | -$152 | -$116 | |
| Tax burden | 75.1% | 75.3% | 75.0% | 74.9% | 75.2% | |
| Interest burden | 99.9% | 100.0% | 100.0% | 100.0% | 100.0% | |
| Working capital | -$2.61B | -$2.23B | -$2.03B | -$2.14B | -$1.65B | |
| Invested capital | -$2.57B | -$2.18B | -$1.99B | -$2.09B | -$1.59B | |
| Return on assets | 1.1% | 1.1% | 0.9% | 0.9% | 1.3% | |
| Operating ROA | 1.5% | 1.5% | 1.3% | 1.3% | 1.7% | |
| Return on tangible assets | 1.1% | 1.1% | 0.9% | 0.9% | 1.3% | |
| Return on equity | 11.6% | 11.4% | 10.3% | 11.1% | 11.9% | |
| Return on invested capital | 4.4% | 5.6% | 3.6% | 4.4% | 7.3% | |
| Return on capital employed | 9.4% | 8.8% | 8.0% | 10.3% | 11.9% | |
| Earnings yield | 9.6% | 9.8% | 10.5% | 10.6% | 10.4% | |
| Free cash flow yield | 7.3% | 13.6% | 15.6% | 10.2% | 12.6% | |
| Capex / Op. cash flow | 4.5% | 2.0% | 2.7% | 3.8% | 0.7% | |
| Capex / Depreciation | 57.8% | 40.1% | 43.8% | 36.0% | 8.7% | |
| Capex / Sales | 0.8% | 0.6% | 0.8% | 0.9% | 0.3% | |
| SG&A / Sales | 32.2% | 27.1% | 31.5% | 34.2% | 33.4% | |
| R&D / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Stock comp / Sales | 1.1% | 1.0% | 1.0% | 0.9% | 0.8% | |
| Intangibles / Total assets | 0.7% | 0.8% | 0.8% | 0.8% | 0.9% | |
| Days sales outstanding | 26d | 31d | 44d | 47d | 31d | |
| Days payables outstanding | 0d | 0d | 0d | 0d | 0d | |
| Operating cycle | 26d | 31d | 44d | 47d | 31d | |
| Cash conversion cycle | 26d | 31d | 44d | 47d | 31d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Change over 5 years