Sierra Bancorp
BSRR Nasdaq· State Commercial Banks
Last close · Oct 27, 2026
$42.92
KIRA · Stoqly’s AI analyst, in plain words
- Sierra Bancorp had $155M of revenue in fiscal 2025, up 2.5% on the year before. Over five years, revenue changed +3.5% a year on average.
- Sierra Bancorp made $42.3M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 10.3% a year.
- Sierra Bancorp returned $45.6M to shareholders in fiscal 2025, 142% of free cash flow. The diluted share count fell 5.6%.
- It earned 11.7% on shareholders’ money. Running costs took 59.8% of revenue (the efficiency ratio; lower is better).
Market cap
$556M
P/E
12.6x
Revenue
$155M
Net income
$42.3M
Return on equity
11.7%
Efficiency ratio
59.8%
Sierra Bancorp in 30 seconds · fiscal 2025
Are sales growing?
+2.5%
Only a little. Sales grew 2.5% last year.
Does it make a profit?
27.3%
Yes. It keeps 27.3% of every sale as profit.
How lean are its costs?
59.8%
Average. Running costs take 59.8% of revenue.
How much does it earn on its capital?
11.7%
Fair. It earns 11.7% a year on shareholders’ money.
How is the share priced?
12.6x
One share costs 12.6 times its yearly profit per share.
What Sierra Bancorp does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Feb 27, 2026
- Legal name
- SIERRA BANCORP
- CIK
- 0001130144
Sierra Bancorp · BSRR
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $137M | $140M | $143M | $152M | $155M |
| Revenue growth | 4.7% | 2.4% | 1.7% | 6.1% | 2.5% |
| Net interest income | $109M | $110M | $112M | $120M | $125M |
| Net income | $43.0M | $33.7M | $34.8M | $40.6M | $42.3M |
| Net margin | 31.4% | 24.0% | 24.4% | 26.8% | 27.3% |
| Diluted EPS | $2.80 | $2.24 | $2.36 | $2.82 | $3.11 |
| Cash | |||||
| Cash from operations | $52.7M | $33.6M | $53.2M | $57.2M | $33.7M |
| Capital expenditure | $0.4M | $1.3M | $1.4M | $1.2M | $1.5M |
| Free cash flow | $52.3M | $32.3M | $51.8M | $56.0M | $32.2M |
| FCF margin | 38.1% | 23.0% | 36.3% | 36.9% | 20.7% |
| Dividends paid | $13.2M | $13.9M | $13.7M | $13.6M | $13.7M |
| Share buybacks | $5.2M | $5.2M | $8.9M | $15.8M | $31.8M |
| Share count change | 0.5% | −2.2% | −1.9% | −2.3% | −5.6% |
| Debt and strength | |||||
| Cash and short-term investments | $258M | $77.1M | $78.6M | $101M | $136M |
| Debt incl. finance leases | $156M | $377M | $437M | $158M | $403M |
| Loans, net | $2.0B | $2.0B | $2.1B | $2.3B | $2.5B |
| Deposits | $2.8B | $2.8B | $2.8B | $2.9B | $2.9B |
| Shareholders' equity | $362M | $304M | $338M | $357M | $365M |
| Returns and quality | |||||
| Return on equity | 12.2% | 10.1% | 10.9% | 11.7% | 11.7% |
| Return on tangible equity | 13.0% | 12.3% | 11.3% | 12.3% | 12.5% |
| Efficiency ratio | 60.9% | 60.4% | 64.9% | 61.3% | 59.8% |
| Piotroski F-score | 6 | 3 | 5 | 7 | 3 |
Insiders bought, 12 months
$0.0M
1 insider
Insiders sold, 12 months
$2.3M
9 insiders
Of sales under plans
8%
$0.2M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Sierra Bancorp · BSRR
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $42.92 a share, the company is worth $556M: 12.6 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0001130144). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.