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Sierra Bancorp (BSRR) Financials

Sierra Bancorp logo
$30.86 -0.07 (-0.23%)
Closing price 08/28/2025 04:00 PM Eastern
Extended Trading
$30.86 0.00 (0.00%)
As of 08/28/2025 06:25 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Polygon.io. Learn more.
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Annual Income Statements for Sierra Bancorp

Annual Income Statements for Sierra Bancorp

This table shows Sierra Bancorp's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2022 2023 2024
Period end date 12/31/2022 12/31/2023 12/31/2024
Net Income / (Loss) Attributable to Common Shareholders		 34 35 41
Consolidated Net Income / (Loss)		 34 35 41
Net Income / (Loss) Continuing Operations		 34 35 41
Total Pre-Tax Income 		45 46 54
Total Revenue		 140 143 152
Net Interest Income / (Expense)		 110 112 120
Total Interest Income		 122 163 172
Loans and Leases Interest Income		 87 97 114
Investment Securities Interest Income		 35 65 55
Federal Funds Sold and Securities Borrowed Interest Income		 0.52 1.05 2.66
Total Interest Expense		 12 51 52
Deposits Interest Expense		 6.82 32 43
Short-Term Borrowings Interest Expense		 1.06 9.34 3.81
Long-Term Debt Interest Expense		 1.71 1.72 1.72
Federal Funds Purchased and Securities Sold Interest Expense		 2.62 8.11 3.43
Total Non-Interest Income		 31 30 32
Other Service Charges		 30 27 28
Net Realized & Unrealized Capital Gains on Investments		 1.42 1.17 1.17
Other Non-Interest Income		 -1.00 1.77 2.65
Provision for Credit Losses		 11 4.06 4.79
Total Non-Interest Expense		 85 93 93
Salaries and Employee Benefits		 47 51 50
Net Occupancy & Equipment Expense		 9.72 10 12
Other Operating Expenses		 28 32 30
Income Tax Expense		 11 12 13
Basic Earnings per Share		 $2.25 $2.37 $2.84
Weighted Average Basic Shares Outstanding		 14.96M 14.71M 14.28M
Diluted Earnings per Share		 $2.24 $2.36 $2.82
Weighted Average Diluted Shares Outstanding		 15.02M 14.74M 14.40M
Weighted Average Basic & Diluted Shares Outstanding		 15.20M 14.79M 13.96M
Cash Dividends to Common per Share		 $0.92 $0.92 $0.94

Quarterly Income Statements for Sierra Bancorp

This table shows Sierra Bancorp's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024
Net Income / (Loss) Attributable to Common Shareholders		 9.94 7.11 8.75 9.92 9.74 6.44 9.33 10 11 10
Consolidated Net Income / (Loss)		 9.94 7.11 8.75 9.92 9.89 6.29 9.33 10 11 10
Net Income / (Loss) Continuing Operations		 9.94 7.11 8.75 9.92 9.74 6.44 9.33 10 11 10
Total Pre-Tax Income 		13 9.02 11 13 13 8.25 13 14 14 13
Total Revenue		 36 37 35 36 36 36 37 38 39 38
Net Interest Income / (Expense)		 29 29 28 28 28 28 29 30 31 30
Total Interest Income		 32 36 37 41 42 42 41 43 45 43
Loans and Leases Interest Income		 22 22 23 24 25 25 25 29 30 30
Investment Securities Interest Income		 9.99 13 15 16 17 17 15 14 14 12
Federal Funds Sold and Securities Borrowed Interest Income		 0.10 0.05 0.07 0.38 0.42 0.19 0.24 0.60 1.23 0.59
Total Interest Expense		 3.02 6.24 9.29 13 14 15 12 13 14 13
Deposits Interest Expense		 1.76 3.71 6.00 7.94 8.77 8.85 9.65 11 12 11
Short-Term Borrowings Interest Expense		 0.32 0.66 0.63 2.54 3.52 2.65 1.13 1.04 0.79 0.86
Long-Term Debt Interest Expense		 0.43 - 0.43 0.43 0.43 0.43 0.43 0.43 0.43 0.43
Federal Funds Purchased and Securities Sold Interest Expense		 0.51 1.02 2.23 1.65 1.58 2.65 1.04 0.82 0.81 0.75
Total Non-Interest Income		 6.61 7.66 6.58 8.01 7.76 8.05 8.59 7.63 7.79 7.51
Other Service Charges		 6.64 13 6.35 1.31 7.20 13 6.39 7.11 7.18 7.03
Net Realized & Unrealized Capital Gains on Investments		 0.00 0.38 0.06 0.35 0.00 0.76 0.98 0.00 0.07 0.11
Other Non-Interest Income		 -0.02 -5.29 0.17 6.35 0.56 -5.31 1.22 0.52 0.54 0.37
Provision for Credit Losses		 1.26 6.71 0.25 0.03 0.12 3.66 0.10 0.92 1.24 2.54
Total Non-Interest Expense		 21 22 23 23 23 24 25 23 23 23
Salaries and Employee Benefits		 12 12 13 12 13 13 13 12 12 13
Net Occupancy & Equipment Expense		 2.47 2.55 2.33 2.44 2.48 2.91 3.03 3.15 3.00 3.20
Other Operating Expenses		 7.01 6.99 7.85 8.40 7.46 7.82 8.30 7.51 7.45 6.91
Income Tax Expense		 3.33 1.90 2.71 3.51 3.44 1.96 3.32 3.94 3.81 2.23
Basic Earnings per Share		 $0.66 $0.48 $0.58 $0.67 $0.68 $0.44 $0.64 $0.72 $0.75 $0.73
Weighted Average Basic Shares Outstanding		 14.95M 14.96M 14.97M 14.74M 14.58M 14.71M 14.51M 14.30M 14.19M 14.28M
Diluted Earnings per Share		 $0.66 $0.48 $0.58 $0.67 $0.68 $0.43 $0.64 $0.71 $0.74 $0.73
Weighted Average Diluted Shares Outstanding		 15.01M 15.02M 15.00M 14.75M 14.64M 14.74M 14.55M 14.38M 14.34M 14.40M
Weighted Average Basic & Diluted Shares Outstanding		 0.00 15.20M 0.00 0.00 0.00 14.79M 0.00 0.00 0.00 13.96M

Annual Cash Flow Statements for Sierra Bancorp

This table details how cash moves in and out of Sierra Bancorp's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2022 2023 2024
Period end date 12/31/2022 12/31/2023 12/31/2024
Net Change in Cash & Equivalents		 -180 1.47 22
Net Cash From Operating Activities		 34 53 57
Net Cash From Continuing Operating Activities		 34 53 57
Net Income / (Loss) Continuing Operations		 34 35 41
Consolidated Net Income / (Loss)		 34 35 41
Provision For Loan Losses		 11 4.06 4.59
Depreciation Expense		 2.54 2.36 2.10
Amortization Expense		 4.97 4.41 3.56
Non-Cash Adjustments to Reconcile Net Income		 1.31 -3.73 2.45
Changes in Operating Assets and Liabilities, net		 -20 11 3.90
Net Cash From Investing Activities		 -481 -84 141
Net Cash From Continuing Investing Activities		 -481 -84 141
Purchase of Property, Leasehold Improvements and Equipment		 -1.27 -1.42 -1.16
Purchase of Investment Securities		 -611 -266 -398
Sale of Property, Leasehold Improvements and Equipment		 0.00 20 4.49
Sale and/or Maturity of Investments		 131 164 536
Other Investing Activities, net		 0.07 0.09 0.09
Net Cash From Financing Activities		 267 32 -176
Net Cash From Continuing Financing Activities		 267 32 -176
Net Change in Deposits		 65 -85 130
Issuance of Debt		 0.00 80 0.00
Repayment of Debt		 94 57 -151
Repurchase of Common Equity		 -5.19 -8.88 -16
Payment of Dividends		 -14 -14 -14
Other Financing Activities, Net		 128 2.95 -127
Cash Interest Paid		 11 49 49
Cash Income Taxes Paid		 13 10 8.66

Quarterly Cash Flow Statements for Sierra Bancorp

This table details how cash moves in and out of Sierra Bancorp's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024
Net Change in Cash & Equivalents		 -75 -9.55 6.38 20 -15 -9.94 41 65 -51 -32
Net Cash From Operating Activities		 19 0.11 11 15 20 7.75 6.98 0.62 27 22
Net Cash From Continuing Operating Activities		 19 0.11 11 15 20 7.75 6.98 0.62 27 22
Net Income / (Loss) Continuing Operations		 9.94 7.11 8.75 9.92 9.89 6.29 9.33 10 11 10
Consolidated Net Income / (Loss)		 9.94 7.11 8.75 9.92 9.89 6.29 9.33 10 11 10
Provision For Loan Losses		 1.21 6.52 0.25 0.08 0.12 3.61 0.10 0.92 1.24 2.34
Depreciation Expense		 0.63 0.63 0.60 0.60 0.35 0.80 0.53 0.52 0.37 0.67
Amortization Expense		 1.05 0.89 1.15 1.06 1.17 1.03 1.22 0.48 1.36 0.49
Non-Cash Adjustments to Reconcile Net Income		 0.24 2.26 0.11 -0.68 -0.09 -3.07 -1.59 -0.28 -0.22 4.53
Changes in Operating Assets and Liabilities, net		 6.01 -17 -0.34 4.35 8.21 -0.92 -2.61 -11 14 3.76
Net Cash From Investing Activities		 -222 -80 -83 -46 7.14 39 220 -50 -71 43
Net Cash From Continuing Investing Activities		 -222 -80 -83 -46 7.14 39 220 -50 -71 43
Purchase of Property, Leasehold Improvements and Equipment		 -0.33 -0.37 -0.41 -0.31 -0.39 -0.30 -0.37 -0.42 -0.12 -0.25
Purchase of Investment Securities		 -242 -115 -150 -91 -27 2.09 -67 -112 -169 -50
Sale of Property, Leasehold Improvements and Equipment		 - - 0.03 - 0.00 20 4.52 - -0.00 -0.02
Sale and/or Maturity of Investments		 20 36 67 46 35 17 284 62 98 93
Net Cash From Financing Activities		 128 70 79 51 -42 -56 -187 115 -7.17 -97
Net Cash From Continuing Financing Activities		 128 70 79 51 -42 -56 -187 115 -7.17 -97
Net Change in Deposits		 34 -39 103 -30 -49 -108 86 95 20 -70
Repurchase of Common Equity		 -0.23 -0.08 -2.72 -3.81 -2.21 -0.14 -3.45 -3.67 -1.52 -7.20
Payment of Dividends		 -3.47 -3.47 -3.50 -3.46 -3.41 -3.35 -3.40 -3.35 -3.43 -3.46
Other Financing Activities, Net		 -5.94 122 9.89 -5.34 -8.86 7.26 -115 26 -22 -16
Cash Interest Paid		 2.50 4.82 8.51 11 14 15 13 9.86 14 12
Cash Income Taxes Paid		 2.94 4.22 - - 2.30 2.90 - - 1.15 0.79

Annual Balance Sheets for Sierra Bancorp

This table presents Sierra Bancorp's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2022 2023 2024
Period end date 12/31/2022 12/31/2023 12/31/2024
Total Assets		 3,609 3,730 3,614
Cash and Due from Banks		 73 74 80
Interest Bearing Deposits at Other Banks		 4.33 4.88 21
Trading Account Securities		 - 1,019 656
Loans and Leases, Net of Allowance		 2,367 2,067 2,307
Loans and Leases		 2,390 2,090 2,331
Allowance for Loan and Lease Losses		 23 24 25
Premises and Equipment, Net		 22 17 15
Goodwill		 27 27 27
Intangible Assets		 2.28 1.40 0.62
Other Assets		 1,113 519 508
Total Liabilities & Shareholders' Equity		 3,609 3,730 3,614
Total Liabilities		 3,305 3,392 3,257
Non-Interest Bearing Deposits		 1,088 1,021 1,007
Interest Bearing Deposits		 1,758 1,740 1,884
Long-Term Debt		 304 445 165
Other Long-Term Liabilities		 155 185 200
Commitments & Contingencies		 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 304 338 357
Total Preferred & Common Equity		 304 338 357
Total Common Equity		 304 338 357
Common Stock		 117 115 113
Retained Earnings		 243 259 275
Accumulated Other Comprehensive Income / (Loss)		 -57 -36 -31

Quarterly Balance Sheets for Sierra Bancorp

This table presents Sierra Bancorp's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024
Period end date 9/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024
Total Assets		 3,532 3,694 3,762 3,739 3,553 3,681 3,696
Cash and Due from Banks		 82 82 100 85 71 96 98
Interest Bearing Deposits at Other Banks		 4.40 1.81 3.06 3.89 48 88 35
Loans and Leases, Net of Allowance		 1,997 2,011 2,071 2,078 2,450 2,526 2,607
Loans and Leases		 2,020 2,034 2,094 2,101 2,473 2,548 2,630
Allowance for Loan and Lease Losses		 24 23 23 23 23 22 23
Premises and Equipment, Net		 23 22 22 22 16 16 16
Goodwill		 27 27 27 27 27 27 27
Other Assets		 1,240 1,215 1,208 1,198 939 927 913
Total Liabilities & Shareholders' Equity		 3,532 3,694 3,762 3,739 3,553 3,681 3,696
Total Liabilities		 3,237 3,387 3,453 3,430 3,208 3,331 3,337
Non-Interest Bearing Deposits		 1,118 1,042 1,066 1,060 969 987 1,014
Interest Bearing Deposits		 1,767 1,907 1,852 1,810 1,878 1,955 1,948
Long-Term Debt		 85 302 85 85 165 165 165
Other Long-Term Liabilities		 164 136 124 158 196 224 210
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 295 307 310 309 345 350 359
Total Preferred & Common Equity		 295 307 310 309 345 350 359
Total Common Equity		 295 307 310 309 345 350 359
Common Stock		 117 116 115 115 114 113 114
Retained Earnings		 239 247 251 256 263 267 274
Accumulated Other Comprehensive Income / (Loss)		 -61 -56 -57 -62 -32 -31 -29

Annual Metrics And Ratios for Sierra Bancorp

This table displays calculated financial ratios and metrics derived from Sierra Bancorp's official financial filings.

Metric 2022 2023 2024
Period end date 12/31/2022 12/31/2023 12/31/2024
Growth Metrics		 - - -
Revenue Growth		 2.39% 1.72% 6.12%
EBITDA Growth		 -21.77% 1.27% 12.63%
EBIT Growth		 -21.88% 3.14% 16.88%
NOPAT Growth		 -21.75% 3.52% 16.40%
Net Income Growth		 -21.75% 3.52% 16.40%
EPS Growth		 -20.00% 5.36% 19.49%
Operating Cash Flow Growth		 -36.24% 58.60% 7.34%
Free Cash Flow Firm Growth		 -207.36% -11.65% 313.23%
Invested Capital Growth		 35.88% 29.03% -33.31%
Revenue Q/Q Growth		 2.45% -0.77% 1.30%
EBITDA Q/Q Growth		 -7.77% -0.56% 5.88%
EBIT Q/Q Growth		 -8.04% -1.91% 7.97%
NOPAT Q/Q Growth		 -6.93% -2.31% 11.17%
Net Income Q/Q Growth		 -6.93% -2.31% 11.17%
EPS Q/Q Growth		 -6.28% -2.07% 11.90%
Operating Cash Flow Q/Q Growth		 355.15% 16.75% 33.67%
Free Cash Flow Firm Q/Q Growth		 -5,492.98% 26.44% 35.01%
Invested Capital Q/Q Growth		 25.78% 10.24% -0.25%
Profitability Metrics		 - - -
EBITDA Margin		 37.18% 37.01% 39.28%
EBIT Margin		 31.83% 32.27% 35.54%
Profit (Net Income) Margin		 23.98% 24.40% 26.76%
Tax Burden Percent		 74.94% 74.99% 75.30%
Interest Burden Percent		 100.52% 100.82% 100.00%
Effective Tax Rate		 25.06% 25.01% 24.70%
Return on Invested Capital (ROIC)		 6.39% 5.01% 6.21%
ROIC Less NNEP Spread (ROIC-NNEP)		 6.39% 5.01% 6.21%
Return on Net Nonoperating Assets (RNNOA)		 3.72% 5.85% 5.45%
Return on Equity (ROE)		 10.11% 10.86% 11.67%
Cash Return on Invested Capital (CROIC)		 -24.03% -20.34% 46.18%
Operating Return on Assets (OROA)		 1.28% 1.26% 1.47%
Return on Assets (ROA)		 0.96% 0.95% 1.10%
Return on Common Equity (ROCE)		 8.39% 10.86% 11.67%
Return on Equity Simple (ROE_SIMPLE)		 11.09% 10.31% 11.35%
Net Operating Profit after Tax (NOPAT)		 34 35 41
NOPAT Margin		 23.98% 24.40% 26.76%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 40.44% 42.81% 41.38%
Operating Expenses to Revenue		 60.41% 64.89% 61.29%
Earnings before Interest and Taxes (EBIT)		 45 46 54
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 52 53 60
Valuation Ratios		 - - -
Price to Book Value (P/BV)		 0.96 0.94 1.16
Price to Tangible Book Value (P/TBV)		 1.06 1.02 1.25
Price to Revenue (P/Rev)		 2.08 2.22 2.72
Price to Earnings (P/E)		 8.66 9.08 10.18
Dividend Yield		 4.76% 4.27% 3.28%
Earnings Yield		 11.55% 11.01% 9.83%
Enterprise Value to Invested Capital (EV/IC)		 0.85 0.87 0.91
Enterprise Value to Revenue (EV/Rev)		 3.69 4.78 3.15
Enterprise Value to EBITDA (EV/EBITDA)		 9.92 12.93 8.02
Enterprise Value to EBIT (EV/EBIT)		 11.59 14.83 8.86
Enterprise Value to NOPAT (EV/NOPAT)		 15.39 19.61 11.77
Enterprise Value to Operating Cash Flow (EV/OCF)		 15.43 12.83 8.35
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 1.58
Leverage & Solvency		 - - -
Debt to Equity		 1.00 1.32 0.46
Long-Term Debt to Equity		 1.00 1.32 0.46
Financial Leverage		 0.58 1.17 0.88
Leverage Ratio		 10.48 11.44 10.56
Compound Leverage Factor		 10.53 11.53 10.56
Debt to Total Capital		 50.01% 56.85% 31.62%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 50.01% 56.85% 31.62%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00%
Common Equity to Total Capital		 49.99% 43.15% 68.38%
Debt to EBITDA		 5.82 8.43 2.78
Net Debt to EBITDA		 4.34 6.94 1.08
Long-Term Debt to EBITDA		 5.82 8.43 2.78
Debt to NOPAT		 9.02 12.78 4.07
Net Debt to NOPAT		 6.73 10.53 1.59
Long-Term Debt to NOPAT		 9.02 12.78 4.07
Noncontrolling Interest Sharing Ratio		 16.97% 0.00% 0.00%
Liquidity Ratios		 - - -
Cash Flow Metrics		 - - -
Free Cash Flow to Firm (FCFF)		 -127 -141 302
Operating Cash Flow to CapEx		 2,639.31% 0.00% 0.00%
Free Cash Flow to Firm to Interest Expense		 -10.38 -2.79 5.76
Operating Cash Flow to Interest Expense		 2.75 1.05 1.09
Operating Cash Flow Less CapEx to Interest Expense		 2.65 1.42 1.16
Efficiency Ratios		 - - -
Asset Turnover		 0.04 0.04 0.04
Fixed Asset Turnover		 6.10 7.25 9.37
Capital & Investment Metrics		 - - -
Invested Capital		 607 784 523
Invested Capital Turnover		 0.27 0.21 0.23
Increase / (Decrease) in Invested Capital		 160 176 -261
Enterprise Value (EV)		 518 683 477
Market Capitalization		 291 316 413
Book Value per Share		 $20.12 $23.00 $24.82
Tangible Book Value per Share		 $18.16 $21.04 $22.88
Total Capital		 607 784 523
Total Debt		 304 445 165
Total Long-Term Debt		 304 445 165
Net Debt		 227 367 65
Capital Expenditures (CapEx)		 1.27 -19 -3.34
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 304 445 165
Total Depreciation and Amortization (D&A)		 7.51 6.77 5.66
Earnings Adjustments		 - - -
Adjusted Basic Earnings per Share		 $2.25 $0.00 $2.84
Adjusted Weighted Average Basic Shares Outstanding		 14.96M 0.00 14.28M
Adjusted Diluted Earnings per Share		 $2.24 $0.00 $2.82
Adjusted Weighted Average Diluted Shares Outstanding		 15.02M 0.00 14.40M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 15.20M 0.00 13.96M
Normalized Net Operating Profit after Tax (NOPAT)		 34 35 41
Normalized NOPAT Margin		 23.98% 24.40% 26.76%
Pre Tax Income Margin		 31.99% 32.54% 35.54%
Debt Service Ratios		 - - -
EBIT to Interest Expense		 3.66 0.91 1.03
NOPAT to Interest Expense		 2.76 0.69 0.78
EBIT Less CapEx to Interest Expense		 3.56 1.28 1.09
NOPAT Less CapEx to Interest Expense		 2.65 1.06 0.84
Payout Ratios		 - - -
Dividend Payout Ratio		 41.35% 39.36% 33.61%
Augmented Payout Ratio		 56.78% 64.85% 72.67%

Quarterly Metrics And Ratios for Sierra Bancorp

This table displays calculated financial ratios and metrics derived from Sierra Bancorp's official financial filings.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024
Growth Metrics		 - - - - - - - - - -
Revenue Growth		 3.71% 9.95% 12.63% -1.87% 0.92% -2.98% 7.48% 4.05% 7.62% 5.43%
EBITDA Growth		 -10.21% -29.92% 6.94% 2.82% -1.75% -3.35% 9.21% 1.30% 10.74% 37.02%
EBIT Growth		 -5.07% -30.80% 13.11% 6.72% -0.74% -7.60% 10.59% 6.41% 10.32% 53.62%
NOPAT Growth		 -6.32% -26.07% 18.15% 7.77% -0.50% -11.58% 6.62% 3.47% 7.26% 64.80%
Net Income Growth		 -6.32% -26.07% 18.15% 7.77% -0.50% -11.58% 6.62% 3.47% 7.26% 64.80%
EPS Growth		 -4.35% -23.81% 18.37% 9.84% 3.03% -10.42% 10.34% 5.97% 8.82% 69.77%
Operating Cash Flow Growth		 -66.79% 100.43% 11.94% 207.83% 2.93% 6,821.43% -33.68% -95.96% 39.59% 185.69%
Free Cash Flow Firm Growth		 -126.26% -281.11% -1,196.01% -1,859.42% -813.06% -10.94% 156.84% 165.86% 190.57% 259.65%
Invested Capital Growth		 7.53% 35.88% 48.36% 87.59% 47.21% 29.03% -16.18% -28.42% -26.29% -33.31%
Revenue Q/Q Growth		 -4.05% 4.21% -6.23% 4.66% -1.32% 0.18% 3.87% 1.32% 2.06% -1.85%
EBITDA Q/Q Growth		 2.48% -31.12% 29.04% 13.40% -2.07% -32.24% 41.90% 5.19% 7.05% -16.16%
EBIT Q/Q Growth		 6.21% -33.80% 27.22% 16.24% -1.22% -38.38% 52.02% 11.86% 2.41% -14.19%
NOPAT Q/Q Growth		 7.94% -28.40% 23.03% 13.35% -0.34% -36.38% 48.35% 10.00% 3.31% -2.25%
Net Income Q/Q Growth		 7.94% -28.40% 23.03% 13.35% -0.34% -36.38% 48.35% 10.00% 3.31% -2.25%
EPS Q/Q Growth		 8.20% -27.27% 20.83% 15.52% 1.49% -36.76% 48.84% 10.94% 4.23% -1.35%
Operating Cash Flow Q/Q Growth		 282.96% -99.41% 9,299.11% 45.65% 28.04% -60.52% 59.46% -91.12% 4,320.16% -19.19%
Free Cash Flow Firm Q/Q Growth		 -228.86% -541.57% -23.76% -71.96% 33.13% 22.04% 163.40% 99.27% -8.04% 37.42%
Invested Capital Q/Q Growth		 25.86% 25.78% 0.21% 18.25% -1.23% 10.24% -34.90% 0.98% 1.70% -0.25%
Profitability Metrics		 - - - - - - - - - -
EBITDA Margin		 42.07% 27.81% 38.09% 41.27% 40.96% 27.70% 38.71% 40.19% 42.15% 36.00%
EBIT Margin		 37.35% 23.73% 33.04% 36.70% 36.74% 22.60% 34.00% 37.53% 37.66% 32.93%
Profit (Net Income) Margin		 27.97% 19.21% 25.21% 27.30% 27.57% 17.51% 25.01% 27.15% 27.48% 27.37%
Tax Burden Percent		 74.88% 78.90% 76.37% 73.85% 74.21% 76.20% 73.74% 72.24% 73.58% 82.27%
Interest Burden Percent		 100.00% 102.63% 99.91% 100.75% 101.14% 101.69% 99.76% 100.14% 99.18% 101.04%
Effective Tax Rate		 25.12% 21.10% 23.63% 26.15% 25.79% 23.80% 26.26% 27.76% 26.42% 17.73%
Return on Invested Capital (ROIC)		 8.23% 5.12% 7.14% 7.11% 6.65% 3.60% 6.50% 6.46% 6.66% 6.35%
ROIC Less NNEP Spread (ROIC-NNEP)		 8.23% 5.12% 7.14% 7.11% 6.65% 3.60% 6.50% 6.46% 6.66% 6.35%
Return on Net Nonoperating Assets (RNNOA)		 3.40% 2.98% 4.36% 5.78% 6.49% 4.20% 4.65% 5.63% 5.66% 5.58%
Return on Equity (ROE)		 11.62% 8.10% 11.50% 12.88% 13.14% 7.79% 11.15% 12.09% 12.32% 11.93%
Cash Return on Invested Capital (CROIC)		 0.50% -24.03% -32.07% -54.44% -32.22% -20.34% 23.93% 38.92% 36.19% 46.18%
Operating Return on Assets (OROA)		 1.47% 0.95% 1.34% 1.47% 1.45% 0.88% 1.36% 1.48% 1.52% 1.36%
Return on Assets (ROA)		 1.10% 0.77% 1.02% 1.10% 1.09% 0.68% 1.00% 1.07% 1.11% 1.13%
Return on Common Equity (ROCE)		 11.62% 6.73% 11.50% 12.88% 13.14% 7.79% 11.15% 12.09% 12.32% 11.93%
Return on Equity Simple (ROE_SIMPLE)		 12.26% 0.00% 11.40% 11.54% 11.55% 0.00% 10.26% 10.22% 10.17% 0.00%
Net Operating Profit after Tax (NOPAT)		 9.94 7.11 8.75 9.92 9.89 6.29 9.33 10 11 10
NOPAT Margin		 27.97% 19.21% 25.21% 27.30% 27.57% 17.51% 25.01% 27.15% 27.48% 27.37%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 39.39% 39.25% 43.63% 40.10% 42.14% 45.44% 43.48% 40.16% 39.81% 42.13%
Operating Expenses to Revenue		 59.11% 58.14% 66.24% 63.22% 62.94% 67.21% 65.74% 60.03% 59.13% 60.38%
Earnings before Interest and Taxes (EBIT)		 13 8.78 11 13 13 8.12 13 14 15 12
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 15 10 13 15 15 9.95 14 15 16 14
Valuation Ratios		 - - - - - - - - - -
Price to Book Value (P/BV)		 0.92 0.96 0.80 0.78 0.86 0.94 0.85 0.93 1.15 1.16
Price to Tangible Book Value (P/TBV)		 1.03 1.06 0.88 0.86 0.95 1.02 0.93 1.01 1.25 1.25
Price to Revenue (P/Rev)		 1.99 2.08 1.70 1.69 1.85 2.22 2.02 2.21 2.77 2.72
Price to Earnings (P/E)		 7.54 8.66 6.99 6.77 7.51 9.08 8.27 9.06 11.30 10.18
Dividend Yield		 5.04% 4.76% 5.72% 5.72% 5.11% 4.27% 4.64% 4.14% 3.25% 3.28%
Earnings Yield		 13.27% 11.55% 14.31% 14.76% 13.32% 11.01% 12.09% 11.04% 8.85% 9.83%
Enterprise Value to Invested Capital (EV/IC)		 0.77 0.85 0.76 0.76 0.82 0.87 0.66 0.59 0.85 0.91
Enterprise Value to Revenue (EV/Rev)		 2.73 3.69 3.21 3.82 4.03 4.78 2.33 2.08 2.98 3.15
Enterprise Value to EBITDA (EV/EBITDA)		 6.60 9.92 8.73 10.27 10.91 12.93 6.22 5.58 7.94 8.02
Enterprise Value to EBIT (EV/EBIT)		 7.69 11.59 10.00 11.65 12.35 14.83 7.11 6.29 8.95 8.86
Enterprise Value to NOPAT (EV/NOPAT)		 10.33 15.39 13.22 15.36 16.26 19.61 9.56 8.53 12.24 11.77
Enterprise Value to Operating Cash Flow (EV/OCF)		 50.66 15.43 13.33 12.18 12.72 12.83 6.82 8.72 10.44 8.35
Enterprise Value to Free Cash Flow (EV/FCFF)		 159.06 0.00 0.00 0.00 0.00 0.00 2.53 1.27 2.00 1.58
Leverage & Solvency		 - - - - - - - - - -
Debt to Equity		 0.64 1.00 0.98 1.32 1.30 1.32 0.48 0.47 0.46 0.46
Long-Term Debt to Equity		 0.29 1.00 0.98 0.27 0.27 1.32 0.48 0.47 0.46 0.46
Financial Leverage		 0.41 0.58 0.61 0.81 0.98 1.17 0.72 0.87 0.85 0.88
Leverage Ratio		 10.58 10.48 11.24 11.76 12.04 11.44 11.11 11.28 11.14 10.56
Compound Leverage Factor		 10.58 10.75 11.23 11.85 12.18 11.63 11.09 11.30 11.05 10.67
Debt to Total Capital		 38.88% 50.01% 49.55% 56.98% 56.54% 56.85% 32.35% 32.05% 31.53% 31.62%
Short-Term Debt to Total Capital		 21.35% 0.00% 0.00% 45.19% 44.60% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 17.53% 50.01% 49.55% 11.79% 11.94% 56.85% 32.35% 32.05% 31.53% 31.62%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 61.12% 49.99% 50.45% 43.02% 43.46% 43.15% 67.65% 67.95% 68.47% 68.38%
Debt to EBITDA		 3.32 5.82 5.69 7.68 7.56 8.43 3.03 3.02 2.94 2.78
Net Debt to EBITDA		 1.79 4.34 4.11 5.74 5.90 6.94 0.84 -0.35 0.58 1.08
Long-Term Debt to EBITDA		 1.50 5.82 5.69 1.59 1.60 8.43 3.03 3.02 2.94 2.78
Debt to NOPAT		 5.19 9.02 8.62 11.48 11.27 12.78 4.66 4.62 4.53 4.07
Net Debt to NOPAT		 2.79 6.73 6.23 8.58 8.79 10.53 1.29 -0.53 0.89 1.59
Long-Term Debt to NOPAT		 2.34 9.02 8.62 2.38 2.38 12.78 4.66 4.62 4.53 4.07
Noncontrolling Interest Sharing Ratio		 0.00% 16.97% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -24 -153 -190 -326 -218 -170 108 215 197 271
Operating Cash Flow to CapEx		 5,728.23% 30.03% 2,713.14% 4,962.14% 5,047.04% 0.00% 0.00% 148.33% 23,029.41% 8,053.45%
Free Cash Flow to Firm to Interest Expense		 -7.92 -24.55 -20.42 -25.97 -15.25 -11.66 8.80 16.12 14.10 21.30
Operating Cash Flow to Interest Expense		 6.32 0.02 1.13 1.22 1.37 0.53 0.57 0.05 1.96 1.74
Operating Cash Flow Less CapEx to Interest Expense		 6.21 -0.04 1.09 1.20 1.35 1.89 0.91 0.02 1.95 1.72
Efficiency Ratios		 - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04
Fixed Asset Turnover		 5.81 6.10 6.33 6.38 6.45 7.25 7.58 7.71 7.96 9.37
Capital & Investment Metrics		 - - - - - - - - - -
Invested Capital		 483 607 609 720 711 784 510 515 524 523
Invested Capital Turnover		 0.29 0.27 0.28 0.26 0.24 0.21 0.26 0.24 0.24 0.23
Increase / (Decrease) in Invested Capital		 34 160 198 336 228 176 -98 -205 -187 -261
Enterprise Value (EV)		 374 518 463 548 580 683 339 305 446 477
Market Capitalization		 273 291 245 242 267 316 293 324 414 413
Book Value per Share		 $19.55 $20.12 $20.20 $20.58 $20.85 $23.00 $23.34 $23.98 $24.81 $24.82
Tangible Book Value per Share		 $17.57 $18.16 $18.26 $18.64 $18.90 $21.04 $21.41 $22.04 $22.92 $22.88
Total Capital		 483 607 609 720 711 784 510 515 524 523
Total Debt		 188 304 302 410 402 445 165 165 165 165
Total Long-Term Debt		 85 304 302 85 85 445 165 165 165 165
Net Debt		 101 227 218 307 313 367 46 -19 32 65
Capital Expenditures (CapEx)		 0.33 0.37 0.39 0.31 0.39 -20 -4.15 0.42 0.12 0.28
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 188 304 302 410 402 445 165 165 165 165
Total Depreciation and Amortization (D&A)		 1.68 1.51 1.75 1.66 1.51 1.83 1.76 1.00 1.73 1.17
Earnings Adjustments		 - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.66 $0.48 $0.58 $0.67 $0.68 $0.44 $0.64 $0.72 $0.75 $0.73
Adjusted Weighted Average Basic Shares Outstanding		 14.95M 14.96M 15.05M 14.74M 14.58M 14.71M 14.51M 14.30M 14.19M 14.28M
Adjusted Diluted Earnings per Share		 $0.66 $0.48 $0.58 $0.67 $0.68 $0.43 $0.64 $0.71 $0.74 $0.73
Adjusted Weighted Average Diluted Shares Outstanding		 15.01M 15.02M 15.05M 14.75M 14.64M 14.74M 14.55M 14.38M 14.34M 14.40M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 15.09M 15.20M 15.05M 0.00 0.00 14.79M 0.00 0.00 0.00 13.96M
Normalized Net Operating Profit after Tax (NOPAT)		 9.94 7.11 8.75 9.92 9.89 6.29 9.33 10 11 10
Normalized NOPAT Margin		 27.97% 19.21% 25.21% 27.30% 27.57% 17.51% 25.01% 27.15% 27.48% 27.37%
Pre Tax Income Margin		 37.35% 24.35% 33.01% 36.97% 37.16% 22.98% 33.92% 37.58% 37.35% 33.27%
Debt Service Ratios		 - - - - - - - - - -
EBIT to Interest Expense		 4.40 1.41 1.24 1.06 0.92 0.56 1.04 1.06 1.04 0.98
NOPAT to Interest Expense		 3.29 1.14 0.94 0.79 0.69 0.43 0.76 0.77 0.76 0.81
EBIT Less CapEx to Interest Expense		 4.29 1.35 1.19 1.04 0.89 1.91 1.37 1.03 1.03 0.96
NOPAT Less CapEx to Interest Expense		 3.18 1.08 0.90 0.77 0.66 1.79 1.10 0.74 0.75 0.79
Payout Ratios		 - - - - - - - - - -
Dividend Payout Ratio		 38.26% 41.35% 39.73% 38.90% 38.78% 39.36% 38.44% 37.77% 37.09% 33.61%
Augmented Payout Ratio		 66.01% 56.78% 48.37% 58.04% 63.51% 64.85% 65.58% 64.25% 61.16% 72.67%

Key Financial Trends

Sierra Bancorp (NASDAQ: BSRR) Recent Financial Summary:

Sierra Bancorp has demonstrated solid financial performance and growth trends through 2022 and 2023 into 2024, with key metrics reflecting growth in net interest income, stable non-interest income, controlled expenses, and improving net income. Below is a detailed highlight of the most significant financial trends and events over the last four years, focusing on quarterly results and key balance sheet developments:

  • Net Interest Income has generally increased, rising from about $28.1 million in Q1 2023 to over $30.4 million in Q4 2024, demonstrating improved earnings from loans and investments despite some fluctuations in interest expense.
  • Total Revenue showed resilience with quarterly totals generally above $35 million, peaking around $38.7 million in Q4 2024, helped by consistent other service charges (~$7 million range) and net realized/unrealized capital gains on investments.
  • Provision for Credit Losses, an expense reflecting credit risk, has generally declined from a Q4 2022 high of $6.7 million to $2.5 million in Q4 2024, indicating improving asset quality or more conservative reserves.
  • Net Income available to common shareholders increased from approximately $7.1 million in Q4 2022 up to $10.36 million in Q4 2024, with earnings per share rising from $0.48 (Q1 2023) to $0.73 (Q4 2024), reflecting profitable growth and effective capital management.
  • Loan balances have grown steadily, from about $2.03 billion in Q3 2022 to about $2.63 billion as of Q3 2024, after adjusting for allowances for loan losses, indicating robust loan portfolio expansion.
  • Cash and Due from Banks increased from about $82.3 million in Q3 2022 to approximately $97.6 million in Q3 2024, indicating improved liquidity positioning.
  • Total Common Equity rose from approximately $295 million in Q1 2022 to about $358.7 million by Q3 2024, reflecting retained earnings growth and a stronger capital base.
  • Salaries and Employee Benefits have increased somewhat consistently, from about $11.5 million in Q3 2022 to $12.7 million in Q4 2024, indicating investment in workforce but also rising costs to monitor.
  • Deposit levels have fluctuated, with net changes in deposits showing sizeable inflows and outflows each quarter, reflecting varying customer behavior and competitive pressures.
  • Total Non-Interest Expense remains significant and somewhat elevated, around $22-24 million quarterly, with other operating expenses showing some variability, which could weigh on net margins if not managed carefully.

Overall Analysis:

Sierra Bancorp shows a positive trajectory with strengthening net interest income and improved net income and profitability per share over the last several quarters. Asset quality appears to be improving as indicated by a reduced provision for credit losses. The steady growth in loans and equity indicates a solid foundation for continued expansion.

However, rising operating expenses and variability in core deposit inflows inject some caution, requiring vigilant cost control and funding management. Liquidity and capital positions remain healthy, supporting operational stability.

Retail investors may view Sierra Bancorp as a bank demonstrating sustainable earnings growth and improving fundamentals, with awareness needed on expense management and deposit volatility.

08/29/25 07:26 AM ETAI Generated. May Contain Errors.

Financials Breakdown Chart

Frequently Asked Questions About Sierra Bancorp's Financials

When does Sierra Bancorp's financial year end?

According to the most recent income statement we have on file, Sierra Bancorp's fiscal year ends in December. Their fiscal year 2024 ended on December 31, 2024.

How has Sierra Bancorp's net income changed over the last 2 years?

Sierra Bancorp's net income appears to be on an upward trend, with a most recent value of $40.56 million in 2024, rising from $33.66 million in 2022. The previous period was $34.84 million in 2023. Find out what analysts predict for Sierra Bancorp in the coming months.

How has Sierra Bancorp's revenue changed over the last 2 years?

Over the last 2 years, Sierra Bancorp's total revenue changed from $140.39 million in 2022 to $151.55 million in 2024, a change of 8.0%.

How much debt does Sierra Bancorp have?

Sierra Bancorp's total liabilities were at $3.26 billion at the end of 2024, a 4.0% decrease from 2023, and a 1.5% decrease since 2022.

How much cash does Sierra Bancorp have?

In the past 2 years, Sierra Bancorp's cash and equivalents has ranged from $72.80 million in 2022 to $79.62 million in 2024, and is currently $79.62 million as of their latest financial filing in 2024.

How has Sierra Bancorp's book value per share changed over the last 2 years?

Over the last 2 years, Sierra Bancorp's book value per share changed from 20.12 in 2022 to 24.82 in 2024, a change of 23.4%.


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This page (NASDAQ:BSRR) was last updated on 8/29/2025 by MarketBeat.com Staff
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