About Sierra Bancorp
https://www.sierrabancorp.comSierra Bancorp operates as the bank holding company for Bank of the Sierra that provides retail and commercial banking services to individuals and businesses in California. The company accepts various deposit products, such as checking accounts, savings accounts, money market demand accounts, time deposits, retirement accounts, and sweep accounts.
CEO
Kevin J. McPhaill
Compensation Summary
(Year 2024)
Split Record
| Date | Type | Ratio |
|---|---|---|
| 1997-11-17 | Forward | 2:1 |
| 1996-10-07 | Forward | 2:1 |
ETFs Holding This Stock
VTS.AX
Weight:0.00%
Shares:435.26K
IWM
Weight:0.02%
Shares:339.77K
XSU.TO
Weight:0.02%
Shares:339.77K
Summary
Showing Top 3 of 75
Ratings Snapshot
Rating : A-
Most Recent Analyst Grades
Grade Summary
Showing Top 2 of 2
Price Target
Institutional Ownership
BLACKROCK INC.
Shares:1.36M
Value:$47.68M
BLACKROCK, INC.
Shares:1.29M
Value:$45.27M
DIMENSIONAL FUND ADVISORS LP
Shares:945.4K
Value:$33.14M
Summary
Showing Top 3 of 136
About Sierra Bancorp
https://www.sierrabancorp.comSierra Bancorp operates as the bank holding company for Bank of the Sierra that provides retail and commercial banking services to individuals and businesses in California. The company accepts various deposit products, such as checking accounts, savings accounts, money market demand accounts, time deposits, retirement accounts, and sweep accounts.
Income Statement
| Period | Revenue | Operating Expense | Net Income | Net Profit Margin | Earnings Per Share | EBITDA |
|---|---|---|---|---|---|---|
| Q3-2025 | $49.69M ▲ | $21.33M ▼ | $9.7M ▼ | 19.52% ▼ | $0.73 ▼ | $13.38M ▼ |
| Q2-2025 | $49.04M ▲ | $21.54M ▲ | $10.63M ▲ | 21.68% ▲ | $0.78 ▲ | $14.93M ▲ |
| Q1-2025 | $45.97M ▲ | $20.29M ▲ | $9.1M ▼ | 19.8% ▼ | $0.66 ▼ | $12.95M ▼ |
| Q4-2024 | $44.6M ▼ | $16.86M ▼ | $10.36M ▼ | 23.24% ▲ | $0.73 ▼ | $13.28M ▼ |
| Q3-2024 | $50.25M | $20.48M | $10.6M | 21.1% | $0.75 | $15.12M |
What's going well?
Revenue continues to grow steadily, and the company remains profitable. Operating expenses are under control, and there are no unusual charges distorting results.
What's concerning?
Profit margins are shrinking as costs rise faster than sales. Both operating and net income are down from last quarter, and interest expense remains a significant drag on profits.
Balance Statement
| Period | Cash & Short-term | Total Assets | Total Liabilities | Total Equity |
|---|---|---|---|---|
| Q3-2025 | $692.43M ▼ | $3.71B ▼ | $3.35B ▼ | $360.08M ▲ |
| Q2-2025 | $1.1B ▲ | $3.77B ▲ | $3.41B ▲ | $355.71M ▲ |
| Q1-2025 | $620.7M ▼ | $3.61B ▼ | $3.25B ▼ | $351.76M ▼ |
| Q4-2024 | $756.63M ▼ | $3.61B ▼ | $3.26B ▼ | $357.3M ▼ |
| Q3-2024 | $839.11M | $3.7B | $3.34B | $358.7M |
Cash Flow Statement
| Period | Net Income | Cash From Operations | Cash From Investing | Cash From Financing | Net Change | Free Cash Flow |
|---|---|---|---|---|---|---|
| Q3-2025 | $9.7M ▼ | $14.94M ▲ | $21.62M ▲ | $-71.07M ▼ | $-34.51M ▼ | $14.7M ▲ |
| Q2-2025 | $10.63M ▲ | $-35.86M ▼ | $-193.17M ▼ | $199.34M ▲ | $-29.7M ▼ | $-36.31M ▼ |
| Q1-2025 | $9.1M ▼ | $40.63M ▲ | $67.64M ▲ | $-49.21M ▲ | $59.05M ▲ | $40.24M ▲ |
| Q4-2024 | $10.36M ▼ | $22.15M ▼ | $42.57M ▲ | $-96.85M ▼ | $-32.13M ▲ | $21.9M ▼ |
| Q3-2024 | $10.6M | $27.41M | $-71.43M | $-7.17M | $-51.19M | $27.29M |
Revenue by Products
| Product | Q4-2024 | Q1-2025 | Q2-2025 | Q3-2025 |
|---|---|---|---|---|
 Debit Card | $0 ▲ | $0 ▲ | $0 ▲ | $0 ▲ |
 Other Service Charges on Deposits | $10.00M ▲ | $0 ▼ | $0 ▲ | $0 ▲ |
 Returned Item and Overdraft Fees | $0 ▲ | $0 ▲ | $0 ▲ | $0 ▲ |
CEO
Kevin J. McPhaill
Compensation Summary
(Year 2024)
Split Record
| Date | Type | Ratio |
|---|---|---|
| 1997-11-17 | Forward | 2:1 |
| 1996-10-07 | Forward | 2:1 |
ETFs Holding This Stock
VTS.AX
Weight:0.00%
Shares:435.26K
IWM
Weight:0.02%
Shares:339.77K
XSU.TO
Weight:0.02%
Shares:339.77K
Summary
Showing Top 3 of 75
Ratings Snapshot
Rating : A-
Most Recent Analyst Grades
Grade Summary
Showing Top 2 of 2
Price Target
Institutional Ownership
BLACKROCK INC.
Shares:1.36M
Value:$47.68M
BLACKROCK, INC.
Shares:1.29M
Value:$45.27M
DIMENSIONAL FUND ADVISORS LP
Shares:945.4K
Value:$33.14M
Summary
Showing Top 3 of 136