Sierra Bancorp (BSRR) Stock Price, News & Analysis

Company Overview

Sierra Bancorp is a bank holding company headquartered in Sacramento, California, offering community-centered banking services through its wholly owned subsidiary. Established in 1977 and publicly traded on the NASDAQ under the symbol BSRR, the company focuses on delivering personalized financial solutions to individuals, families and businesses across Northern California. With deep roots in its communities, Sierra Bancorp emphasizes relationship-driven service and local decision-making.

The company provides a comprehensive range of deposit and lending products, including checking and savings accounts, certificates of deposit, money market accounts, and online banking tools. On the lending side, Sierra Bancorp extends residential mortgage financing, home equity lines of credit, consumer installment loans and a broad spectrum of commercial loans, such as owner-occupied real estate, commercial construction, equipment financing and working capital lines of credit. Ancillary services, such as treasury management, merchant services and wealth management referrals, complement its core offerings.

Sierra Bancorp operates through a network of branch offices strategically located in key Northern California markets, including Sacramento, Chico, Yuba City, Red Bluff and Fairfield. This regional footprint enables the company to serve a diverse customer base spanning urban, suburban and agricultural communities. Over the years, Sierra Bancorp has expanded its market presence both organically and through targeted acquisitions, reinforcing its commitment to local economic development and small-business lending.

The company’s leadership team is led by President and Chief Executive Officer Stephen G. Cummings, who brings more than two decades of banking experience to the role. Supported by an executive management group and a board of directors composed of seasoned community and industry professionals, Sierra Bancorp maintains a governance structure focused on strategic growth, risk management and the long-term financial well-being of its stakeholders.

Key Stats

• Today's Range: $31.70 to $32.10
• 50-Day Range: $26.44 to $32.18
• 52-Week Range: $22.42 to $35.13
• Volume: 35,012 shs
• Average Volume: 40,147 shs
• Market Capitalization: $439.44 million
• P/E Ratio: 11.28
• Dividend Yield: 3.14%
• Price Target: $33.50
• Consensus Rating: Moderate Buy

Sierra Bancorp Stock Analysis - MarketRank™

Sierra Bancorp scored higher than 73% of companies evaluated by MarketBeat, and ranked 386th out of 906 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 1.3 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

Sierra Bancorp has received a consensus rating of Moderate Buy. The company's average rating score is 2.50, and is based on 1 buy rating, 1 hold rating, and no sell ratings.

Amount of Analyst Coverage

Sierra Bancorp has only been the subject of 2 research reports in the past 90 days.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: 3.39%

Earnings Growth

Earnings for Sierra Bancorp are expected to grow by 3.39% in the coming year, from $2.95 to $3.05 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Sierra Bancorp is 11.28, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 25.87.

Price to Earnings Ratio vs. Sector

The P/E ratio of Sierra Bancorp is 11.28, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 20.07.

Price to Book Value per Share Ratio

Sierra Bancorp has a P/B Ratio of 1.28. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 2.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

1.24% of the float of Sierra Bancorp has been sold short.

Short Interest Ratio / Days to Cover

Sierra Bancorp has a short interest ratio ("days to cover") of 4.5.

Change versus previous month

Short interest in Sierra Bancorp has recently increased by 11.11%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Yield

Sierra Bancorp pays a meaningful dividend of 3.16%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

Sierra Bancorp has only been increasing its dividend for 2 years.

Dividend Coverage

The dividend payout ratio of Sierra Bancorp is 35.46%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, Sierra Bancorp will have a dividend payout ratio of 32.79% next year. This indicates that Sierra Bancorp will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: 3.3 / 5
• Environmental Score: -0.55

Percentage of Shares Shorted

1.24% of the float of Sierra Bancorp has been sold short.

Short Interest Ratio / Days to Cover

Sierra Bancorp has a short interest ratio ("days to cover") of 4.5.

Change versus previous month

Short interest in Sierra Bancorp has recently increased by 11.11%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 1.4 / 5
• News Sentiment: 0.43

News Sentiment

Sierra Bancorp has a news sentiment score of 0.43. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.76 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 2 news articles for Sierra Bancorp this week, compared to 2 articles on an average week.

Company Ownership

• Score: 2.5 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, Sierra Bancorp insiders have sold more of their company's stock than they have bought. Specifically, they have bought $0.00 in company stock and sold $240,123.00 in company stock.

Percentage Held by Insiders

11.86% of the stock of Sierra Bancorp is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

55.40% of the stock of Sierra Bancorp is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

BSRR Stock Analysis - Frequently Asked Questions

How have BSRR shares performed this year?

Sierra Bancorp's stock was trading at $28.92 on January 1st, 2025. Since then, BSRR stock has increased by 10.0% and is now trading at $31.80.

How were Sierra Bancorp's earnings last quarter?

Sierra Bancorp (NASDAQ:BSRR) posted its quarterly earnings data on Monday, April, 28th. The financial services provider reported $0.65 earnings per share for the quarter, missing analysts' consensus estimates of $0.66 by $0.01. The financial services provider had revenue of $36.75 million for the quarter, compared to the consensus estimate of $37.51 million. Sierra Bancorp had a net margin of 19.92% and a trailing twelve-month return on equity of 11.38%.

How do I buy shares of Sierra Bancorp?

Shares of BSRR stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Sierra Bancorp own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Sierra Bancorp investors own include Waste Connections (WCN), American Water Works (AWK), The RMR Group (RMR), AU Optronics (AUOTY), DiamondRock Hospitality (DRH), iShares Micro-Cap ETF (IWC) and Voyager Therapeutics (VYGR).

Company Calendar

• Last Earnings: 4/28/2025
• Record date for 5/15 Dividend: 5/05/2025
• Ex-Dividend for 5/15 Dividend: 5/05/2025
• Dividend Payable: 5/15/2025
• Today: 7/10/2025
• Next Earnings (Estimated): 7/28/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: BANKS - WEST
• Sub-Industry: Regional Banks
• Current Symbol: NASDAQ:BSRR
• CIK: 1130144
• Web: www.sierrabancorp.com
• Phone: (559) 782-4900
• Fax: 559-782-4994
• Employees: 490
• Year Founded: 1977

Price Target and Rating

• Average Price Target for Sierra Bancorp: $33.50
• High Price Target: $36.00
• Low Price Target: $31.00
• Potential Upside/Downside: +5.3%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.50
• Research Coverage: 2 Analysts

Profitability

• EPS (Trailing Twelve Months): $2.82
• Trailing P/E Ratio: 11.28
• Forward P/E Ratio: 10.78
• P/E Growth: N/A
• Net Income: $40.56 million
• Net Margins: 19.92%
• Pretax Margin: 26.42%
• Return on Equity: 11.38%
• Return on Assets: 1.11%

Debt

• Debt-to-Equity Ratio: 0.24
• Current Ratio: 0.80
• Quick Ratio: 0.80

Sales & Book Value

• Annual Sales: $203.87 million
• Price / Sales: 2.16
• Cash Flow: $3.22 per share
• Price / Cash Flow: 9.88
• Book Value: $24.82 per share
• Price / Book: 1.28

Miscellaneous

• Outstanding Shares: 13,820,000
• Free Float: 12,180,000
• Market Cap: $439.48 million
• Optionable: Optionable
• Beta: 0.75