📊 BSRR Key Takeaways
Is Sierra Bancorp (BSRR) a Good Investment?
Sierra Bancorp demonstrates solid fundamental strength with robust revenue growth of 37.5% YoY and healthy profitability margins (24.7% net margin, 32.9% operating margin). The bank maintains a conservative capital structure (0.14x debt-to-equity) with strong interest coverage of 5.0x, though ROE of 11.6% and ROA of 1.1% suggest moderate efficiency relative to size.
Sierra Bancorp shows solid core fundamentals with strong operating and net margins, healthy returns on assets and equity, and positive free cash flow generation. Balance sheet leverage appears conservative, but the quality of recent growth is mixed because revenue expanded sharply while net income was flat, suggesting margin pressure, higher funding costs, or elevated credit costs may be offsetting top-line gains.
Why Buy Sierra Bancorp Stock? BSRR Key Strengths
- Strong revenue growth of 37.5% YoY indicating business expansion
- Healthy net profit margin of 24.7% and operating margin of 32.9%
- Conservative leverage with 0.14x debt-to-equity ratio and solid interest coverage of 5.0x
- Positive free cash flow generation of $32.2M with 18.8% FCF margin
- Significant insider activity with 17 Form 4 filings in last 90 days
- Strong profitability profile with 32.9% operating margin, 24.7% net margin, 1.1% ROA, and 11.6% ROE
- Conservative leverage and solid financial health, with debt/equity of 0.14x and relatively low long-term debt versus equity
- Positive cash generation, including $33.70M in operating cash flow and $32.17M in free cash flow
BSRR Stock Risks: Sierra Bancorp Investment Risks
- Modest ROE of 11.6% and ROA of 1.1% suggest below-average capital efficiency for a regional bank
- Net income flat YoY despite 37.5% revenue growth indicates margin compression or expense growth
- EPS growth of 10.3% lags revenue growth, raising concerns about operational leverage
- Limited asset quality and loan portfolio details available for comprehensive credit risk assessment
- Regional bank exposure to economic cycles and interest rate sensitivity
- Revenue growth did not convert into net income growth, which raises questions about earnings quality and cost pressure
- Interest coverage of 5.0x is adequate but not especially strong if funding costs remain elevated
- Key banking risks such as credit quality deterioration, loan loss provisioning, and deposit mix pressure are not visible in the provided data
Key Metrics to Watch
- Net income growth trajectory and margin sustainability
- Loan-to-deposit ratio and asset quality metrics (NPL ratio, charge-offs)
- Net interest margin and sensitivity to interest rate changes
- ROE and ROA trends for efficiency improvements
- Capital adequacy ratios and regulatory compliance
- Net interest margin and deposit funding costs
- Credit quality trends, including nonperforming loans and loan loss provisions
Sierra Bancorp (BSRR) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
BSRR Profit Margin, ROE & Profitability Analysis
BSRR vs Finance Sector: How Sierra Bancorp Compares
How Sierra Bancorp compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Sierra Bancorp Stock Overvalued? BSRR Valuation Analysis 2026
Based on fundamental analysis, Sierra Bancorp has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Sierra Bancorp Balance Sheet: BSRR Debt, Cash & Liquidity
BSRR Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Sierra Bancorp's revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $2.36 reflects profitable operations.
BSRR Revenue Growth, EPS Growth & YoY Performance
Sierra Bancorp Dividends, Buybacks & Capital Allocation
BSRR SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Sierra Bancorp (CIK: 0001130144)
📋 Recent SEC Filings
❓ Frequently Asked Questions about BSRR
What is the AI rating for BSRR?
Sierra Bancorp (BSRR) has a Combined AI Rating of BUY from Claude (BUY) and ChatGPT (BUY) with 72% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are BSRR's key strengths?
Claude: Strong revenue growth of 37.5% YoY indicating business expansion. Healthy net profit margin of 24.7% and operating margin of 32.9%. ChatGPT: Strong profitability profile with 32.9% operating margin, 24.7% net margin, 1.1% ROA, and 11.6% ROE. Conservative leverage and solid financial health, with debt/equity of 0.14x and relatively low long-term debt versus equity.
What are the risks of investing in BSRR?
Claude: Modest ROE of 11.6% and ROA of 1.1% suggest below-average capital efficiency for a regional bank. Net income flat YoY despite 37.5% revenue growth indicates margin compression or expense growth. ChatGPT: Revenue growth did not convert into net income growth, which raises questions about earnings quality and cost pressure. Interest coverage of 5.0x is adequate but not especially strong if funding costs remain elevated.
What is BSRR's revenue and growth?
Sierra Bancorp reported revenue of $171.4M.
Does BSRR pay dividends?
Sierra Bancorp pays dividends, with $13.7M distributed to shareholders in the trailing twelve months.
Where can I find BSRR SEC filings?
Official SEC filings for Sierra Bancorp (CIK: 0001130144) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is BSRR's EPS?
Sierra Bancorp has a diluted EPS of $3.11.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is BSRR a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, Sierra Bancorp has a BUY rating with 72% confidence. The AI analysis suggests favorable fundamentals based on SEC filings. This is not investment advice.
Is BSRR stock overvalued or undervalued?
Valuation metrics for BSRR: ROE of 11.6% (sector avg: 12%), net margin of 24.7% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
Should I buy BSRR stock in 2026?
Our dual AI analysis gives Sierra Bancorp a combined BUY rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is BSRR's free cash flow?
Sierra Bancorp's operating cash flow is $33.7M, with capital expenditures of $1.5M. FCF margin is 18.8%.
How does BSRR compare to other Finance stocks?
Vs Finance sector averages: Net margin 24.7% (avg: 25%), ROE 11.6% (avg: 12%), current ratio N/A (avg: 1.2).