YOLFTbeta
Sierra Bancorp

Sierra Bancorp

BSRR · NASDAQ · Financial Services / Banks - Regional

42.19USD+0.13 (+0.31%)

Price History

Full chart

Market Stats

Previous Close42.06
Open42.26
Day Range41.93 – 42.36
52-Week Range25.72 – 42.84
Volume35.90K
Market Cap517.24M
P/E (TTM)11.77
Forward P/E11.44
EPS3.39
Dividend Yield2.72%
Beta0.76
50-Day Avg40.59
200-Day Avg37.39

About

Sierra Bancorp operates as the bank holding company for Bank of the Sierra that provides retail and commercial banking products and services to individuals and businesses in California. It accepts various deposit products, such as checking accounts, savings accounts, money market demand accounts, time deposits, retirement accounts, and sweep accounts. The company's loan products include real estate, commercial, mortgage warehouse, agricultural, and consumer loans. It also offers automated teller machines; electronic point-of-sale payment alternatives; multiple account access options; online account opening platform; online banking with bill-pay and mobile banking capabilities, including mobile check deposit; online lending solutions for consumers and small businesses; customer service center services; an automated telephone banking system; and remote deposit capture and payroll services. Sierra Bancorp was founded in 1977 and is headquartered in Porterville, California.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Kevin J. McPhaill
  • Employees452
  • Headquarters86 North Main Street, Porterville, CA, United States, 93257, USA
  • Websitehttps://www.bankofthesierra.com

Leadership

  • Mr. Kevin J. McPhaillPresident, CEO & Director · b. 1973
  • Mr. Christopher G. TreeceExecutive VP, COO & CFO · b. 1969
  • Mr. Michael W. OlagueExecutive VP & Chief Banking Officer · b. 1956
  • Mr. Hugh F. BoyleExecutive VP & Chief Credit Officer · b. 1960
  • Ms. Natalia CoenExecutive VP & Chief Risk Officer · b. 1968
  • Ms. Alexandra BlazarSecretary · b. 1972

Financials

Income Statement

Currency: USD1998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue39.78M39.86M51.96M53.00M50.61M53.02M62.41M73.39M91.99M102.45M93.92M87.42M80.43M70.89M70.74M66.51M68.41M77.41M84.31M97.25M116.65M125.79M127.03M131.43M142.49M168.93M191.14M201.98M
Growth (%)-+0.20%+30.38%+2.00%-4.52%+4.78%+17.71%+17.59%+25.34%+11.37%-8.32%-6.92%-8.00%-11.86%-0.22%-5.98%+2.87%+13.15%+8.92%+15.34%+19.95%+7.84%+0.99%+3.46%+8.42%+18.55%+13.15%+5.67%
Cost of Revenue15.20M13.84M21.44M17.19M12.45M9.98M11.97M16.48M28.98M34.69M40.78M33.75M24.33M17.66M18.53M7.57M3.15M2.58M3.32M4.08M13.59M16.13M13.96M400.00K22.81M54.44M57.11M52.80M
Gross Profit24.58M26.02M30.53M35.81M38.16M43.05M50.45M56.91M63.01M67.76M53.14M53.67M56.10M53.24M52.21M58.94M65.27M74.83M80.99M93.17M103.05M109.66M113.07M131.03M119.68M114.48M134.03M149.18M
Gross Margin61.79%65.28%58.75%67.56%75.41%81.18%80.82%77.54%68.49%66.14%56.58%61.39%69.75%75.09%73.80%88.62%95.40%96.67%96.06%95.80%88.35%87.18%89.01%99.70%83.99%67.77%70.12%73.86%
Operating Expense16.48M17.63M22.30M25.31M26.24M28.30M29.93M32.63M33.84M35.98M35.86M44.14M48.97M44.89M44.37M42.47M43.84M47.69M54.63M59.99M63.47M61.94M66.55M73.83M74.77M68.02M80.16M92.78M
Operating Income8.10M8.39M8.22M10.50M11.92M14.75M20.52M24.28M29.17M31.78M17.28M9.54M7.13M8.34M7.84M16.46M21.43M27.14M26.37M33.18M39.58M47.72M46.52M57.20M44.91M46.46M53.87M56.40M
Operating Margin20.36%21.04%15.82%19.81%23.55%27.81%32.88%33.08%31.71%31.02%18.40%10.91%8.86%11.77%11.08%24.75%31.33%35.06%31.27%34.12%33.93%37.94%36.62%43.52%31.52%27.51%28.18%27.92%
EBITDA9.90M9.97M10.19M12.97M14.32M18.00M24.87M28.74M33.29M35.23M20.27M12.64M10.02M11.04M10.28M18.59M23.55M29.54M29.22M36.72M43.78M51.78M50.62M61.47M48.45M49.70M56.75M59.05M
EBITDA Margin24.89%25.01%19.61%24.48%28.30%33.94%39.85%39.16%36.18%34.39%21.58%14.46%12.46%15.57%14.53%27.96%34.42%38.17%34.66%37.76%37.53%41.16%39.85%46.77%34.00%29.42%29.69%29.23%
Net Income5.20M5.61M5.48M6.88M8.84M10.36M13.35M16.19M19.19M21.02M13.41M8.93M7.36M7.78M8.19M13.37M15.24M18.07M17.57M19.54M29.68M35.96M35.44M43.01M33.66M34.84M40.56M42.33M
Net Income Margin13.07%14.08%10.55%12.98%17.47%19.55%21.38%22.06%20.86%20.52%14.28%10.21%9.15%10.97%11.57%20.10%22.28%23.34%20.83%20.09%25.44%28.59%27.90%32.73%23.62%20.63%21.22%20.96%
R&D-------------00000000-------
R&D as % of Total Revenue-------------0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%-------
Interest Expense12.40M11.72M18.68M15.89M9.10M6.87M8.50M13.33M25.13M31.43M21.33M12.18M7.65M5.66M4.32M3.22M2.80M2.58M3.32M5.22M9.24M13.58M5.41M4.05M12.20M50.72M52.32M46.70M
Interest Expense % of Total Revenue31.17%29.41%35.94%29.98%17.97%12.96%13.61%18.17%27.32%30.68%22.71%13.93%9.51%7.98%6.11%4.84%4.09%3.33%3.94%5.37%7.92%10.79%4.26%3.08%8.56%30.02%27.37%23.12%

Balance Sheet

Currency: USD1998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets404.10M458.38M606.73M650.41M701.11M801.67M997.48M1.05B1.22B1.23B1.33B1.34B1.29B1.34B1.44B1.41B1.64B1.80B2.03B2.34B2.52B2.59B3.22B3.37B3.61B3.73B3.61B3.83B
Total Liabilities369.10M421.69M565.94M604.27M647.83M741.70M926.35M973.92M1.12B1.13B1.22B1.20B1.13B1.17B1.26B1.23B1.45B1.61B1.83B2.08B2.25B2.28B2.88B84.44M3.31B3.39B3.26B3.46B
Total Equity35.00M36.70M40.78M46.14M53.29M59.98M71.14M78.76M90.37M99.46M106.80M134.48M159.60M168.56M173.89M181.67M187.09M190.34M205.88M255.94M273.02M309.29M343.90M3.29B303.58M338.10M357.30M364.86M
Cash24.50M31.41M44.66M40.02M55.82M53.04M36.73M50.15M52.73M44.02M46.01M66.23M42.44M63.04M61.82M78.01M50.09M48.62M120.44M70.14M74.13M80.08M71.42M257.53M77.13M78.60M100.66M135.63M
Total Debt9.90M32.44M34.28M136.57M34.32M48.73M173.91M144.79M240.33M307.09M144.85M60.93M60.58M63.05M72.58M36.90M55.13M108.23M99.41M56.49M90.87M54.95M178.02M193.29M412.86M552.59M274.09M519.05M
Net Debt-14.60M1.02M-10.38M96.54M-21.50M-4.32M137.18M94.64M187.61M263.07M98.84M-5.31M18.14M-32.11M-30.89M-41.10M-19.17M-17.70M-86.03M-35.55M-39.37M-45.13M-36.29M-173.09M335.73M473.98M173.43M383.43M

Cash Flow

Currency: USD1998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow11.00M6.03M15.88M12.99M15.92M15.08M12.26M27.70M28.87M35.17M30.93M30.98M32.02M34.65M38.70M34.10M29.34M28.70M15.58M40.68M30.45M46.74M40.03M52.66M33.57M53.24M57.15M33.70M
Investing Cash Flow-45.80M-49.61M-63.85M-49.97M-40.50M-107.43M-209.77M-51.65M-160.16M-45.77M-105.25M-12.69M-1.29M-51.34M-132.32M21.04M-145.53M-170.26M-21.34M-51.67M-188.19M-53.29M-627.25M20.62M-481.00M-83.69M141.23M-183.49M
Financing Cash Flow32.60M50.45M60.00M33.38M40.56M89.58M181.20M37.36M140.15M-4.40M81.81M-3.57M-54.32M37.09M92.40M-38.95M88.29M140.09M77.58M-39.31M161.74M12.50M578.57M112.83M267.03M31.92M-176.32M184.75M
Capital Expenditure3.60M3.69M2.60M1.77M5.34M3.17M4.66M3.54M4.13M2.86M3.90M3.44M2.48M2.73M3.41M667.00K2.38M2.53M3.59M2.14M3.12M783.00K2.92M371.00K1.27M1.42M1.16M1.53M
Free Cash Flow7.40M2.34M13.28M11.22M10.59M11.90M7.60M24.16M24.75M32.31M27.03M27.55M29.53M31.91M35.29M33.43M26.96M26.17M11.99M38.54M27.32M45.95M37.11M52.28M32.30M51.83M56.00M32.17M
Dividends Paid1.40M2.03M2.12M1.66M2.59M3.35M3.51M4.40M5.28M6.02M6.54M4.07M2.94M3.37M3.38M3.68M4.78M5.66M6.51M7.93M9.76M11.33M12.21M13.23M13.92M13.71M13.63M13.73M
FCF to OCF67.27%38.76%83.62%86.35%66.48%78.95%62.00%87.21%85.71%91.86%87.39%88.91%92.25%92.11%91.19%98.04%91.89%91.18%76.98%94.74%89.74%98.32%92.71%99.30%96.21%97.34%97.98%95.45%
Dividend Paid to FCF18.92%86.77%15.96%14.77%24.47%28.11%46.13%18.22%21.35%18.63%24.18%14.76%9.94%10.55%9.59%11.01%17.71%21.64%54.24%20.59%35.71%24.66%32.89%25.31%43.09%26.46%24.35%42.69%

Earnings

Report DateMar 31, 1998Jun 30, 1998Sep 30, 1998Mar 31, 1999Jun 30, 1999Mar 31, 2000Jun 30, 2000Sep 30, 2000Dec 31, 2000Mar 31, 2001Jun 30, 2001Sep 30, 2001Dec 31, 2001Mar 31, 2002Jun 30, 2002Sep 30, 2002Dec 31, 2002Apr 22, 2003Jul 21, 2003Oct 22, 2003Mar 24, 2004Apr 19, 2004Jul 20, 2004Oct 25, 2004Jan 24, 2005Apr 21, 2005Jul 22, 2005Oct 24, 2005Jan 23, 2006Apr 24, 2006Jul 24, 2006Oct 23, 2006Jan 22, 2007Apr 23, 2007Jul 23, 2007Oct 22, 2007Jan 22, 2008Apr 21, 2008Jul 21, 2008Oct 20, 2008Jan 26, 2009Apr 20, 2009Jul 20, 2009Oct 30, 2009Jan 25, 2010Apr 19, 2010Jul 19, 2010Oct 14, 2010Jan 24, 2011Apr 25, 2011Jul 25, 2011Oct 24, 2011Jan 23, 2012Apr 23, 2012Jul 23, 2012Oct 22, 2012Jan 22, 2013Apr 22, 2013Jul 22, 2013Oct 21, 2013Jan 21, 2014Apr 25, 2014Jul 21, 2014Oct 20, 2014Jan 20, 2015Apr 20, 2015Jul 20, 2015Oct 19, 2015Jan 25, 2016Apr 25, 2016Jul 25, 2016Oct 24, 2016Jan 23, 2017Apr 24, 2017Jul 24, 2017Oct 23, 2017Jan 22, 2018Apr 23, 2018Jul 23, 2018Oct 22, 2018Jan 22, 2019Apr 22, 2019Jul 22, 2019Oct 21, 2019Jan 21, 2020Apr 20, 2020Jul 20, 2020Oct 19, 2020Jan 25, 2021Apr 19, 2021Jul 19, 2021Oct 25, 2021Jan 24, 2022Apr 25, 2022Jul 25, 2022Oct 24, 2022Jan 30, 2023Apr 24, 2023Jul 24, 2023Oct 23, 2023Jan 29, 2024Apr 22, 2024Jul 22, 2024Oct 21, 2024Jan 27, 2025Apr 28, 2025Jul 28, 2025Oct 27, 2025Feb 2, 2026Apr 27, 2026Jul 27, 2026Oct 26, 2026
EPS Estimate---------------------0.270.290.310.380.340.340.360.420.410.460.490.460.450.560.540.570.500.520.490.480.480.270.250.100.200.180.220.130.130.120.160.160.150.120.160.140.140.130.150.220.210.210.270.250.290.310.310.320.340.330.330.360.340.350.390.430.460.480.470.540.510.550.550.560.470.410.460.630.630.660.630.660.600.590.670.710.640.600.670.620.560.600.730.720.660.740.780.870.820.890.90
EPS Actual0.120.130.120.130.120.130.140.210.180.120.170.220.230.230.230.240.220.250.250.300.240.310.290.390.320.310.360.470.420.430.500.480.460.470.510.530.500.510.470.54-0.19-0.190.270.010.300.200.220.080.120.110.160.180.110.130.180.120.150.160.270.230.270.260.300.250.350.270.330.330.400.300.310.280.400.320.370.430.530.450.530.460.510.580.560.580.600.510.460.600.580.720.760.690.630.490.610.660.470.580.670.680.430.640.710.740.720.650.780.720.970.960.77-
Surprise---------------------14.81%0.00%25.81%-15.79%-8.82%5.88%30.56%0.00%4.88%8.70%-2.04%0.00%4.44%-8.93%-1.85%-12.28%2.00%-9.62%10.20%-139.58%-139.58%0.00%-96.00%200.00%0.00%22.22%-63.64%-7.69%-15.38%33.33%12.50%-31.25%-13.33%50.00%-25.00%7.14%14.29%107.69%53.33%22.73%23.81%42.86%-7.41%40.00%-6.90%6.45%6.45%25.00%-11.76%-6.06%-15.15%11.11%-5.88%5.71%10.26%23.26%-2.17%10.42%-2.13%-5.56%13.73%1.82%5.45%7.14%8.51%12.20%30.43%-7.94%14.29%15.15%9.52%-4.55%-18.33%3.39%-1.49%-33.80%-9.38%11.67%1.49%-30.65%14.29%18.33%1.37%0.00%-1.52%5.41%-7.69%11.49%17.07%-13.48%-
Timing---------------------After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours-After-hoursPre-marketAfter-hoursAfter-hoursPre-marketAfter-hours-After-hoursPre-marketPre-marketAfter-hoursPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-market

Key Statistics & Ratios

Market Cap517.24M
Enterprise Value730.62M
Trailing P/E11.77
Forward P/E11.44
PEG Ratio1.43
Price / Sales3.41
Price / Book1.39
EPS3.39
Book Value28.69
Revenue (TTM)151.83M
Gross Profit (TTM)151.83M
Profit Margin29.66%
Operating Margin36.10%
Return on Equity12.46%
Return on Assets1.20%
Shares Outstanding12.96M
Shares Float11.39M
Beta0.76
Dividend Yield2.72%
Dividend Rate1.08
Payout Ratio30.41%

Analyst Ratings

Hold
Based on 5 analystsTarget 43.00
  • Strong Buy
    1
  • Hold
    4

Ownership Breakdown

Institutions
62.34%
Insiders
10.93%
Retail / Other
26.73%

Top Institutional Holders

  • BlackRock Inc
    1.24M9.60%
  • Dimensional Fund Advisors, Inc.
    921.63K7.11%
  • Vanguard Capital Management, LLC
    540.45K4.17%
  • Private Management Group Inc
    524.22K4.04%
  • American Century Companies Inc
    372.68K2.87%
  • Manufacturers Life Insurance Co
    359.95K2.78%
  • HHG PLC
    344.13K2.65%
  • Geode Capital Management, LLC
    285.34K2.20%
  • State Street Corp
    266.96K2.06%
  • FMR Inc
    215.50K1.66%
  • Basswood Capital Management LLC
    184.09K1.42%
  • Renaissance Technologies Corp
    180.85K1.40%
  • CSM Advisors, LLC
    164.17K1.27%
  • Northern Trust Corp
    160.74K1.24%

Top Fund Holders

  • Janus Henderson Small Cap Value L
    438.24K3.38%
  • Vanguard MStar Total Stk Mkt Idx Invest
    378.76K2.92%
  • Avantis US Small Cap Value ETF
    348.32K2.69%
  • iShares Russell 2000 ETF
    336.19K2.59%
  • DFA US Small Cap Value I
    278.15K2.15%
  • JHancock Regional Bank A
    176.79K1.36%

Dividends

20264×
0.27Nov 2, 20260.27Aug 3, 20260.26May 4, 20260.26Feb 9, 2026
20254×
0.25Nov 3, 20250.25Aug 4, 20250.25May 5, 20250.25Feb 3, 2025
20244×
0.24Oct 31, 20240.24Jul 31, 20240.23Apr 29, 20240.23Jan 30, 2024
20234×
0.23Oct 30, 20230.23Jul 28, 20230.23Apr 28, 20230.23Jan 30, 2023
20224×
0.23Oct 28, 20220.23Jul 29, 20220.23Apr 29, 20220.23Jan 28, 2022
20214×
0.22Oct 28, 20210.22Jul 29, 20210.21Apr 28, 20210.21Jan 28, 2021

Stock Splits

  • Nov 17, 19972:1
  • Oct 7, 19962:1