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BSRR

Sierra Bancorp

BSRR

Sierra Bancorp • NASDAQ
$31.06 ▼ -0.16% (-0.05)
Market Cap $418.77 M
52w High $32.48
52w Low $22.42
Dividend Yield 1.00%
P/E 10.78
Volume 25.30K
Outstanding Shares 13.48M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $49.688M ▲ $21.328M ▼ $9.699M ▼ 19.52% ▼ $0.73 ▼ $13.381M ▼
Q2-2025 $49.039M ▲ $21.536M ▲ $10.633M ▲ 21.683% ▲ $0.78 ▲ $14.93M ▲
Q1-2025 $45.966M ▲ $20.288M ▲ $9.101M ▼ 19.799% ▼ $0.66 ▼ $12.949M ▼
Q4-2024 $44.604M ▼ $16.859M ▼ $10.364M ▼ 23.236% ▲ $0.73 ▼ $13.279M ▼
Q3-2024 $50.254M $20.476M $10.603M 21.099% $0.75 $15.115M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $692.434M ▼ $3.709B ▼ $3.349B ▼ $360.083M ▲
Q2-2025 $1.097B ▲ $3.77B ▲ $3.415B ▲ $355.707M ▲
Q1-2025 $620.696M ▼ $3.606B ▼ $3.254B ▼ $351.756M ▼
Q4-2024 $756.631M ▼ $3.614B ▼ $3.257B ▼ $357.302M ▼
Q3-2024 $839.107M $3.696B $3.337B $358.698M

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q3-2025 $9.699M ▼ $14.94M ▲ $21.619M ▲ $-71.07M ▼ $-34.511M ▼ $14.696M ▲
Q2-2025 $10.633M ▲ $-35.86M ▼ $-193.174M ▼ $199.335M ▲ $-29.699M ▼ $-36.311M ▼
Q1-2025 $9.101M ▼ $40.625M ▲ $67.635M ▲ $-49.213M ▲ $59.047M ▲ $40.24M ▲
Q4-2024 $10.364M ▼ $22.147M ▼ $42.572M ▲ $-96.852M ▼ $-32.133M ▲ $21.896M ▼
Q3-2024 $10.603M $27.405M $-71.429M $-7.169M $-51.193M $27.287M

Revenue by Products

Product Q4-2024Q1-2025Q2-2025Q3-2025
Debit Card
Debit Card
 $0 ▲$0 ▲$0 ▲$0 ▲
Other Service Charges on Deposits
Other Service Charges on Deposits
 $10.00M ▲$0 ▼$0 ▲$0 ▲
Returned Item and Overdraft Fees
Returned Item and Overdraft Fees
 $0 ▲$0 ▲$0 ▲$0 ▲

Five-Year Company Overview

Income Statement

Income Statement Sierra Bancorp’s income statement shows a slow but steady climb in revenue and profit over the past five years, with earnings per share now above pre‑2022 levels. Profitability has held up reasonably well despite rate and credit-cycle noise, suggesting disciplined cost control and a stable core franchise. That said, growth is modest rather than explosive, and results still remain sensitive to the broader interest-rate and regional banking environment.

Balance Sheet

Balance Sheet The balance sheet reflects a conservative, traditional community bank profile: assets have grown gradually, equity has edged higher, and leverage looks manageable. Debt usage spiked in the recent past and then moved back down, which may indicate funding adjustments during a more volatile period for banks. Cash levels are not large in absolute terms, but for a regulated bank this is more about the overall funding mix and asset quality than headline cash, both of which management portrays as solid.

Cash Flow

Cash Flow Cash generation from operations has been consistently positive and has improved in recent years, which supports ongoing dividends and organic balance sheet growth. Free cash flow closely tracks operating cash flow, as capital expenditure needs are low for a bank, pointing to a business that does not require heavy reinvestment in physical assets. The main cash-flow risks are thus less about spending and more about credit quality, funding costs, and interest-rate swings.

Competitive Edge

Competitive Edge Sierra Bancorp’s edge comes from being a long‑standing community bank with deep local relationships, especially in agricultural and small business lending. Its focused geography and niche expertise help it compete effectively against larger national banks that may be less tailored to local borrowers. However, its regional concentration and relatively small scale also mean it is more exposed to local economic conditions and competitive pressure from both big banks and digital‑only players.

Innovation and R&D

Innovation and R&D The bank’s innovation strategy is pragmatic rather than cutting‑edge: it leans on proven third‑party technology and layers community‑bank service on top. Recent upgrades to its online and mobile platforms and a fully digital small‑business credit line improve convenience without trying to reinvent banking. The main question going forward is how consistently it keeps pace with rising customer expectations for digital tools while maintaining cost discipline and system reliability.

Summary

Overall, Sierra Bancorp looks like a steady, relationship‑driven regional bank with gradual earnings growth, a solid capital base, and reliable cash generation. Its strengths lie in specialized lending niches, long‑standing community ties, and measured adoption of digital tools that support—not replace—its traditional model. Key uncertainties include sensitivity to interest rates, local economic health in its core markets, and the need to keep modernizing technology enough to stay competitive without sacrificing the conservative risk profile that underpins its stability.

NEWS

October 27, 2025 · 8:01 AM UTC

Sierra Bancorp Reports Financial Results for Third Quarter and First Nine Months of 2025

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October 24, 2025 · 8:01 AM UTC

Sierra Bancorp Announces Share Repurchase Program and Declares Quarterly Cash Dividend

Read more