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Sierra Bancorp (BSRR) Financials

Sierra Bancorp logo
$41.28 +0.20 (+0.49%)
Closing price 07/13/2026 04:00 PM Eastern
Extended Trading
$41.28 +0.00 (+0.00%)
As of 05:14 AM 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 Massive. 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 18 18 20 24 29 35 43 34 35 41 42
Consolidated Net Income / (Loss)		 18 18 20 30 36 35 43 34 35 41 42
Net Income / (Loss) Continuing Operations		 18 18 20 24 29 35 43 34 35 41 42
Total Pre-Tax Income 		27 26 33 40 48 47 57 45 46 54 56
Total Revenue		 78 84 97 108 114 131 137 140 143 152 155
Net Interest Income / (Expense)		 60 65 76 92 97 105 109 110 112 120 125
Total Interest Income		 63 69 81 102 111 110 113 122 163 172 171
Loans and Leases Interest Income		 52 57 68 88 96 96 99 87 97 114 128
Investment Securities Interest Income		 11 11 12 14 15 14 13 35 65 55 42
Federal Funds Sold and Securities Borrowed Interest Income		 0.03 0.08 0.36 0.24 0.38 0.16 0.37 0.52 1.05 2.66 1.30
Total Interest Expense		 2.58 3.32 5.22 9.24 14 5.41 4.05 12 51 52 47
Deposits Interest Expense		 1.79 2.17 3.76 7.26 11 3.95 2.39 6.82 32 43 36
Short-Term Borrowings Interest Expense		 0.07 0.17 0.09 0.25 0.36 0.24 0.21 1.06 9.34 3.81 3.61
Long-Term Debt Interest Expense		 0.01 - - - 0.00 0.00 0.47 1.71 1.72 1.72 1.72
Federal Funds Purchased and Securities Sold Interest Expense		 0.72 0.98 1.37 1.73 1.84 1.22 0.98 2.62 8.11 3.43 4.88
Total Non-Interest Income		 18 19 22 22 23 26 28 31 30 32 31
Other Service Charges		 16 18 20 2.65 2.17 4.56 25 30 27 28 28
Net Realized & Unrealized Capital Gains on Investments		 0.67 0.23 0.50 0.00 -0.20 0.39 0.19 1.42 1.21 1.17 0.07
Other Non-Interest Income		 0.91 0.99 1.64 13 15 21 2.65 -1.00 1.77 2.65 2.61
Provision for Credit Losses		 0.00 0.00 -1.14 4.35 2.55 8.55 -3.65 11 4.06 4.59 6.10
Total Non-Interest Expense		 51 58 65 70 71 76 84 85 93 93 93
Salaries and Employee Benefits		 25 27 32 36 36 40 42 47 51 50 51
Net Occupancy & Equipment Expense		 6.90 7.77 9.59 10 9.85 9.84 9.84 9.72 10 12 13
Other Operating Expenses		 19 20 22 23 25 26 31 28 32 30 29
Income Tax Expense		 9.07 8.80 14 9.91 12 11 14 11 12 13 14
Basic Earnings per Share		 $1.34 $1.30 $1.38 $1.94 $2.35 $2.33 $2.82 $2.25 $2.37 $2.84 $3.14
Weighted Average Basic Shares Outstanding		 13.46M 13.53M 14.17M 15.26M 15.31M 15.22M 15.24M 14.96M 14.71M 14.28M 13.50M
Diluted Earnings per Share		 $1.33 $1.29 $1.36 $1.92 $2.33 $2.32 $2.80 $2.24 $2.36 $2.82 $3.11
Weighted Average Diluted Shares Outstanding		 13.59M 13.65M 14.36M 15.43M 15.44M 15.28M 15.35M 15.02M 14.74M 14.40M 13.59M
Weighted Average Basic & Diluted Shares Outstanding		 13.50M 13.50M 14.20M 15.30M 15.30M 15.39M 15.25M 15.20M 14.79M 13.96M 13.19M
Cash Dividends to Common per Share		 $0.42 $0.48 $0.56 $0.00 $0.74 $0.00 $0.86 $0.92 $0.92 $0.94 $1.00

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 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 9.74 6.44 9.33 10 11 10 9.10 11 9.70 13 13
Consolidated Net Income / (Loss)		 9.89 6.29 9.33 10 11 10 9.10 11 9.70 13 13
Net Income / (Loss) Continuing Operations		 9.74 6.44 9.33 10 11 10 9.10 11 9.70 13 13
Total Pre-Tax Income 		13 8.25 13 14 14 13 12 14 13 17 17
Total Revenue		 36 36 37 38 39 38 37 39 40 39 39
Net Interest Income / (Expense)		 28 28 29 30 31 30 30 31 32 32 31
Total Interest Income		 42 42 41 43 45 43 41 43 44 43 41
Loans and Leases Interest Income		 25 25 25 29 30 30 30 32 33 33 31
Investment Securities Interest Income		 17 17 15 14 14 12 11 11 11 9.86 9.62
Federal Funds Sold and Securities Borrowed Interest Income		 0.42 0.19 0.24 0.60 1.23 0.59 0.59 0.21 0.33 0.17 0.21
Total Interest Expense		 14 15 12 13 14 13 11 12 12 11 11
Deposits Interest Expense		 8.77 8.85 9.65 11 12 11 9.37 9.33 9.61 8.19 8.32
Short-Term Borrowings Interest Expense		 3.52 2.65 1.13 1.04 0.79 0.86 0.82 1.06 0.86 0.88 0.79
Long-Term Debt Interest Expense		 0.43 0.43 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		 1.58 2.65 1.04 0.82 0.81 0.75 0.72 1.25 1.08 1.83 1.05
Total Non-Interest Income		 7.76 8.05 8.59 7.63 7.79 7.51 6.64 8.55 8.06 7.34 7.97
Other Service Charges		 7.20 13 6.39 7.11 7.18 7.03 6.79 7.26 7.04 6.83 7.57
Net Realized & Unrealized Capital Gains on Investments		 0.00 0.76 0.98 0.00 0.07 0.11 -0.38 -0.02 0.00 -0.03 -0.02
Other Non-Interest Income		 0.56 -5.31 1.22 0.52 0.54 0.37 0.24 1.32 1.02 0.54 0.42
Provision for Credit Losses		 0.12 3.66 0.10 0.92 1.24 2.54 1.96 1.21 3.71 -0.79 0.08
Total Non-Interest Expense		 23 24 25 23 23 23 22 24 24 23 22
Salaries and Employee Benefits		 13 13 13 12 12 13 13 13 13 13 13
Net Occupancy & Equipment Expense		 2.48 2.91 3.03 3.15 3.00 3.20 2.98 3.14 3.23 3.18 3.09
Other Operating Expenses		 7.46 7.82 8.30 7.51 7.45 6.91 6.44 8.08 7.57 7.15 6.04
Income Tax Expense		 3.44 1.96 3.32 3.94 3.81 2.23 3.17 3.61 3.00 4.24 4.21
Basic Earnings per Share		 $0.68 $0.44 $0.64 $0.72 $0.75 $0.73 $0.66 $0.78 $0.73 $0.97 $0.96
Weighted Average Basic Shares Outstanding		 14.58M 14.71M 14.51M 14.30M 14.19M 14.28M 13.82M 13.56M 13.36M 13.50M 12.99M
Diluted Earnings per Share		 $0.68 $0.43 $0.64 $0.71 $0.74 $0.73 $0.65 $0.78 $0.72 $0.96 $0.96
Weighted Average Diluted Shares Outstanding		 14.64M 14.74M 14.55M 14.38M 14.34M 14.40M 13.92M 13.64M 13.47M 13.59M 13.10M
Weighted Average Basic & Diluted Shares Outstanding		 0.00 14.79M 0.00 0.00 0.00 13.96M 0.00 0.00 0.00 13.19M 13.08M
Cash Dividends to Common per Share		 $0.23 - $0.23 $0.23 $0.24 - $0.25 $0.25 $0.25 - $0.26

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 -1.47 72 -50 4.00 5.95 -8.66 186 -180 1.47 22 35
Net Cash From Operating Activities		 29 16 41 30 47 40 53 34 53 57 34
Net Cash From Continuing Operating Activities		 29 16 41 30 47 40 53 34 53 57 34
Net Income / (Loss) Continuing Operations		 18 18 20 30 36 35 43 34 35 41 42
Consolidated Net Income / (Loss)		 18 18 20 30 36 35 43 34 35 41 42
Provision For Loan Losses		 0.00 0.00 -1.14 4.35 2.55 8.55 -3.65 11 4.06 4.59 6.10
Depreciation Expense		 2.27 2.58 3.03 3.17 2.99 3.03 3.24 2.54 2.36 2.10 2.08
Amortization Expense		 7.07 7.40 8.75 9.10 7.65 7.37 6.28 4.97 4.41 3.73 2.68
Non-Cash Adjustments to Reconcile Net Income		 -0.57 -0.75 -2.88 -4.33 -0.67 -5.72 -4.26 1.31 -2.12 4.65 1.83
Changes in Operating Assets and Liabilities, net		 1.86 -11 13 -12 -1.75 -8.64 8.04 -20 9.70 1.53 -21
Net Cash From Investing Activities		 -170 -21 -52 -188 -53 -627 21 -481 -84 141 -183
Net Cash From Continuing Investing Activities		 -170 -21 -52 -188 -53 -627 21 -481 -84 141 -183
Purchase of Property, Leasehold Improvements and Equipment		 -2.53 -3.59 -2.14 -3.12 -0.78 -2.92 -0.37 -1.27 -1.42 -1.16 -1.53
Purchase of Investment Securities		 -301 -177 -262 -307 -224 -769 -106 -611 -266 -398 -619
Sale of Property, Leasehold Improvements and Equipment		 - - 0.00 - - - - 0.00 20 4.49 0.03
Sale and/or Maturity of Investments		 133 159 213 122 171 145 127 131 164 536 437
Net Cash From Financing Activities		 140 78 -39 162 12 579 113 267 32 -176 185
Net Cash From Continuing Financing Activities		 140 78 -39 162 12 579 113 267 32 -176 185
Net Change in Deposits		 98 102 - 128 52 456 157 65 -85 130 -15
Issuance of Debt		 53 - - 34 0.00 0.00 49 0.00 137 -151 13
Repurchase of Common Equity		 -7.96 -2.26 0.00 0.00 -2.54 -2.56 -5.22 -5.19 -8.88 -16 -32
Payment of Dividends		 -5.66 -6.51 -7.94 -9.76 -11 -12 -13 -14 -14 -14 -14
Other Financing Activities, Net		 2.68 -0.66 36 9.34 10 114 -32 128 2.95 -127 233
Cash Interest Paid		 2.56 3.40 5.00 8.71 14 6.01 3.65 11 49 49 50
Cash Income Taxes Paid		 6.39 4.93 7.15 11 12 14 14 13 10 8.66 10

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 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 -15 -9.94 41 65 -51 -32 59 -30 -35 40 21
Net Cash From Operating Activities		 20 7.75 6.98 0.62 27 22 41 -36 15 14 11
Net Cash From Continuing Operating Activities		 20 7.75 6.98 0.62 27 22 41 -36 15 14 11
Net Income / (Loss) Continuing Operations		 9.89 6.29 9.33 10 11 10 9.10 11 9.70 13 13
Consolidated Net Income / (Loss)		 9.89 6.29 9.33 10 11 10 9.10 11 9.70 13 13
Provision For Loan Losses		 0.12 3.61 0.13 0.92 1.24 2.34 2.07 1.20 3.69 -0.87 0.03
Depreciation Expense		 0.35 0.80 0.53 0.52 0.37 0.67 0.52 0.51 0.47 0.72 0.50
Amortization Expense		 1.17 1.03 1.22 0.48 1.36 0.49 0.87 0.82 -0.04 1.02 0.44
Non-Cash Adjustments to Reconcile Net Income		 -0.09 -3.07 -1.59 -0.28 -0.22 4.53 0.36 -1.05 0.45 1.95 -0.63
Changes in Operating Assets and Liabilities, net		 8.21 -0.92 -2.64 -11 14 3.76 28 -48 0.68 -1.71 -1.78
Net Cash From Investing Activities		 7.14 39 220 -50 -71 43 68 -193 22 -80 93
Net Cash From Continuing Investing Activities		 7.14 39 220 -50 -71 43 68 -193 22 -80 93
Purchase of Property, Leasehold Improvements and Equipment		 -0.39 -0.30 -0.37 -0.42 -0.12 -0.25 -0.39 -0.45 -0.24 -0.45 -0.08
Purchase of Investment Securities		 -27 2.09 -67 -112 -169 -50 -136 -235 -100 -147 66
Sale of Property, Leasehold Improvements and Equipment		 0.00 20 4.52 - -0.00 -0.02 0.00 - - 0.03 0.52
Sale and/or Maturity of Investments		 35 17 284 62 98 93 204 43 122 68 27
Net Cash From Financing Activities		 -42 -56 -187 115 -7.17 -97 -49 199 -71 106 -84
Net Cash From Continuing Financing Activities		 -42 -56 -187 115 -7.17 -97 -49 199 -71 106 -84
Net Change in Deposits		 -49 -108 86 95 20 -70 -42 125 -42 -56 49
Repayment of Debt		 22 49 -151 - - - 0.00 34 -4.40 - -38
Repurchase of Common Equity		 -2.21 -0.14 -3.45 -3.67 -1.52 -7.20 -14 -3.98 -6.04 -7.52 -9.92
Payment of Dividends		 -3.41 -3.35 -3.40 -3.35 -3.43 -3.46 -3.51 -3.45 -3.38 -3.39 -3.43
Other Financing Activities, Net		 -8.86 7.26 -115 26 -22 -16 10 48 -16 190 -82
Cash Interest Paid		 14 15 13 9.86 14 12 15 11 13 10 13

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 1,797 2,033 2,340 2,523 2,594 3,221 3,371 3,609 3,730 3,614 3,829
Cash and Due from Banks		 47 79 61 72 66 68 63 73 74 80 71
Interest Bearing Deposits at Other Banks		 2.00 41 9.00 1.69 15 3.51 194 4.33 4.88 21 64
Loans and Leases, Net of Allowance		 1,125 1,256 1,552 1,725 1,756 2,442 1,959 2,367 2,067 2,612 2,816
Loans and Leases		 1,135 1,265 1,561 1,735 1,765 2,460 1,988 2,390 2,090 2,637 2,838
Allowance for Loan and Lease Losses		 10 9.70 9.04 9.75 9.92 18 29 23 24 25 21
Premises and Equipment, Net		 22 29 29 30 27 28 24 22 17 15 15
Goodwill		 6.91 8.27 27 27 27 27 27 27 27 27 27
Intangible Assets		 0.93 2.80 6.23 6.46 5.38 4.31 3.28 2.28 1.40 0.62 0.05
Other Assets		 86 87 97 100 97 104 112 1,113 519 858 835
Total Liabilities & Shareholders' Equity		 1,797 2,033 2,340 2,523 2,594 3,221 3,371 3,609 3,730 3,614 3,829
Total Liabilities		 1,606 1,827 2,084 2,249 2,285 2,877 3,009 3,305 3,392 3,257 3,464
Non-Interest Bearing Deposits		 432 525 635 663 691 944 1,085 1,088 1,021 1,007 996
Interest Bearing Deposits		 1,032 1,171 1,353 1,454 1,477 1,681 1,697 1,758 1,740 1,884 1,881
Long-Term Debt		 33 34 35 35 35 35 84 304 445 165 388
Other Long-Term Liabilities		 24 32 39 42 61 74 143 155 185 200 200
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 190 206 256 273 309 344 362 304 338 357 365
Total Preferred & Common Equity		 190 206 256 273 309 344 362 304 338 357 365
Total Common Equity		 190 206 256 273 309 344 249 304 338 357 365
Common Stock		 65 75 114 116 116 117 3.91 117 115 113 108
Retained Earnings		 123 132 144 164 187 208 234 243 259 275 280
Accumulated Other Comprehensive Income / (Loss)		 2.55 -1.76 -2.33 -6.67 5.93 18 11 -57 -36 -31 -23

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 Q1 2025 Q2 2025 Q3 2025 Q1 2026
Period end date 9/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026
Total Assets		 3,532 3,694 3,762 3,739 3,553 3,681 3,696 3,606 3,770 3,709 3,754
Cash and Due from Banks		 82 82 100 85 71 96 98 80 113 82 106
Interest Bearing Deposits at Other Banks		 4.40 1.81 3.06 3.89 48 88 35 79 17 14 51
Loans and Leases, Net of Allowance		 1,997 2,011 2,071 2,078 2,450 2,526 2,607 2,582 2,711 2,761 2,733
Loans and Leases		 2,020 2,034 2,094 2,101 2,473 2,548 2,630 2,609 2,733 2,786 2,754
Allowance for Loan and Lease Losses		 24 23 23 23 23 22 23 27 22 25 21
Premises and Equipment, Net		 23 22 22 22 16 16 16 15 15 15 14
Goodwill		 27 27 27 27 27 27 27 27 27 27 27
Intangible Assets		 2.52 2.06 1.84 1.62 1.18 0.96 - 0.46 0.29 0.13 0.01
Other Assets		 1,240 1,215 1,208 1,198 939 927 913 822 886 810 823
Total Liabilities & Shareholders' Equity		 3,532 3,694 3,762 3,739 3,553 3,681 3,696 3,606 3,770 3,709 3,754
Total Liabilities		 3,237 3,387 3,453 3,430 3,208 3,331 3,337 3,254 3,415 3,349 3,391
Non-Interest Bearing Deposits		 1,118 1,042 1,066 1,060 969 987 1,014 1,038 1,066 1,073 1,029
Interest Bearing Deposits		 1,767 1,907 1,852 1,810 1,878 1,955 1,948 1,812 1,909 1,860 1,897
Long-Term Debt		 85 302 85 85 165 165 165 165 240 220 271
Other Long-Term Liabilities		 164 136 124 158 196 224 210 239 200 196 194
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 295 307 310 309 345 350 359 352 356 360 364
Total Preferred & Common Equity		 295 307 310 309 345 350 359 352 356 360 364
Total Common Equity		 295 307 310 309 345 350 359 352 356 360 364
Common Stock		 117 116 115 115 114 113 114 111 110 109 107
Retained Earnings		 239 247 251 256 263 267 274 270 274 276 281
Accumulated Other Comprehensive Income / (Loss)		 -61 -56 -57 -62 -32 -31 -29 -29 -29 -25 -25

Annual Metrics And Ratios for Sierra Bancorp

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

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
DEI Shares Outstanding		 13,248,048.00 13,791,101.00 15,218,740.00 15,283,310.00 15,292,685.00 15,359,023.00 15,410,784.00 - - - 13,482,458.00
DEI Adjusted Shares Outstanding		 13,248,048.00 13,791,101.00 15,218,740.00 15,283,310.00 15,292,685.00 15,359,023.00 15,410,784.00 - - - 13,482,458.00
DEI Earnings Per Adjusted Shares Outstanding		 1.36 1.27 1.28 1.94 2.35 2.31 2.79 - - - 3.14
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 14.21% 8.45% 15.47% 10.87% 5.72% 14.64% 4.67% 2.39% 1.72% 6.12% 2.46%
EBITDA Growth		 20.96% -0.34% 23.68% 2.26% 12.60% 9.94% 17.22% -21.77% 1.27% 12.63% 2.02%
EBIT Growth		 26.63% -2.84% 25.84% 1.59% 22.04% 13.10% 22.95% -21.88% 3.14% 16.88% 4.21%
NOPAT Growth		 18.55% -2.77% 11.23% 51.89% 21.17% -1.44% 21.35% -21.75% 3.52% 16.40% 4.36%
Net Income Growth		 18.55% -2.77% 11.23% 51.89% 21.17% -1.44% 21.35% -21.75% 3.52% 16.40% 4.36%
EPS Growth		 23.15% -3.01% 5.43% 41.18% 21.35% -0.43% 20.69% -20.00% 5.36% 19.49% 10.28%
Operating Cash Flow Growth		 -2.18% -45.70% 161.08% -25.16% 53.51% -14.36% 31.55% -36.24% 58.60% 7.34% -41.03%
Free Cash Flow Firm Growth		 -166.27% 128.33% 14.29% -275.72% 263.52% -443.18% 196.52% -207.36% -11.65% 313.23% -162.40%
Invested Capital Growth		 23.26% 2.25% 2.34% 16.47% 0.09% 43.29% -14.37% 35.88% 29.03% -33.31% 44.12%
Revenue Q/Q Growth		 2.80% 3.48% 5.15% -3.96% 0.55% 8.97% -0.87% 2.45% -0.77% 1.30% 0.93%
EBITDA Q/Q Growth		 7.93% 2.76% 2.76% -7.53% -0.70% 12.03% 0.42% -7.77% -0.56% 5.88% 9.52%
EBIT Q/Q Growth		 11.50% 1.18% 5.55% -13.20% 1.43% 15.69% 1.38% -8.04% -1.91% 7.97% 8.86%
NOPAT Q/Q Growth		 10.45% 0.88% -7.01% 14.95% 3.99% -0.86% 1.52% -6.93% -2.31% 11.17% 6.36%
Net Income Q/Q Growth		 10.45% 0.88% -7.01% 14.95% 3.99% -0.86% 1.52% -6.93% -2.31% 11.17% 6.36%
EPS Q/Q Growth		 10.83% 0.00% -9.33% 14.29% 4.48% -0.43% 1.45% -6.28% -2.07% 11.90% 7.99%
Operating Cash Flow Q/Q Growth		 19.27% -57.49% 356.40% -36.76% 51.24% -17.35% -42.49% 355.15% 16.75% 33.67% -19.47%
Free Cash Flow Firm Q/Q Growth		 -588.03% 130.47% -82.63% 9.56% 211.86% -8.07% -3.84% -5,492.98% 26.44% 35.01% -1,016.53%
Invested Capital Q/Q Growth		 14.18% -2.93% 18.29% 15.88% -4.26% -1.40% -0.46% 25.78% 10.24% -0.25% 29.72%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 46.86% 43.06% 46.13% 42.54% 45.31% 43.45% 48.66% 37.18% 37.01% 39.28% 39.35%
EBIT Margin		 34.86% 31.23% 34.04% 31.19% 36.00% 35.52% 41.72% 31.83% 32.27% 35.54% 36.29%
Profit (Net Income) Margin		 23.21% 20.81% 20.04% 27.46% 31.47% 27.06% 31.37% 23.98% 24.40% 26.76% 27.26%
Tax Burden Percent		 66.57% 66.62% 58.89% 74.97% 75.36% 76.19% 75.20% 74.94% 74.99% 75.30% 75.12%
Interest Burden Percent		 100.00% 100.00% 100.00% 117.44% 116.01% 100.00% 100.00% 100.52% 100.82% 100.00% 100.00%
Effective Tax Rate		 33.43% 33.38% 41.11% 25.03% 24.64% 23.81% 24.80% 25.06% 25.01% 24.70% 24.88%
Return on Invested Capital (ROIC)		 6.68% 5.82% 6.33% 8.78% 9.88% 8.00% 8.88% 6.39% 5.01% 6.21% 6.64%
ROIC Less NNEP Spread (ROIC-NNEP)		 6.68% 5.82% 6.33% 8.78% 9.88% 8.00% 8.88% 6.39% 5.01% 6.21% 6.64%
Return on Net Nonoperating Assets (RNNOA)		 2.89% 3.05% 2.14% 2.44% 2.47% 2.85% 3.30% 3.72% 5.85% 5.45% 5.09%
Return on Equity (ROE)		 9.57% 8.87% 8.46% 11.22% 12.35% 10.85% 12.18% 10.11% 10.86% 11.67% 11.72%
Cash Return on Invested Capital (CROIC)		 -14.16% 3.59% 4.01% -6.44% 9.78% -27.59% 24.36% -24.03% -20.34% 46.18% -29.51%
Operating Return on Assets (OROA)		 1.58% 1.38% 1.52% 1.39% 1.61% 1.60% 1.74% 1.28% 1.26% 1.47% 1.51%
Return on Assets (ROA)		 1.05% 0.92% 0.89% 1.22% 1.41% 1.22% 1.31% 0.96% 0.95% 1.10% 1.14%
Return on Common Equity (ROCE)		 9.57% 8.87% 8.46% 11.22% 12.35% 10.85% 10.23% 8.39% 10.86% 11.67% 11.72%
Return on Equity Simple (ROE_SIMPLE)		 9.49% 8.53% 7.63% 10.87% 11.63% 10.31% 11.87% 11.09% 10.31% 11.35% 11.60%
Net Operating Profit after Tax (NOPAT)		 18 18 20 30 36 35 43 34 35 41 42
NOPAT Margin		 23.21% 20.81% 20.04% 27.46% 31.47% 27.06% 31.37% 23.98% 24.40% 26.76% 27.26%
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% 0.00%
SG&A Expenses to Revenue		 40.81% 41.72% 42.16% 42.96% 40.10% 38.19% 38.12% 40.44% 42.81% 41.38% 40.95%
Operating Expenses to Revenue		 65.14% 68.77% 67.13% 64.79% 61.77% 57.95% 60.94% 60.41% 64.89% 61.29% 59.79%
Earnings before Interest and Taxes (EBIT)		 27 26 33 34 41 47 57 45 46 54 56
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 36 36 45 46 52 57 67 52 53 60 61
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.92 1.37 1.24 1.08 1.19 0.92 1.49 0.96 0.94 1.16 1.20
Price to Tangible Book Value (P/TBV)		 0.96 1.45 1.43 1.23 1.33 1.01 1.70 1.06 1.02 1.25 1.30
Price to Revenue (P/Rev)		 2.25 3.34 3.26 2.73 3.22 2.41 2.71 2.08 2.22 2.72 2.82
Price to Earnings (P/E)		 9.68 16.05 16.25 12.40 12.52 8.89 8.64 8.66 9.08 10.18 10.34
Dividend Yield		 3.18% 2.35% 2.69% 3.32% 3.08% 3.90% 3.57% 4.76% 4.27% 3.28% 3.08%
Earnings Yield		 10.33% 6.23% 6.16% 8.07% 7.99% 11.25% 11.57% 11.55% 11.01% 9.83% 9.67%
Enterprise Value to Invested Capital (EV/IC)		 0.79 0.85 0.97 0.86 0.94 0.81 0.70 0.85 0.87 0.91 0.92
Enterprise Value to Revenue (EV/Rev)		 3.01 3.09 3.12 2.88 3.00 3.22 2.27 3.69 4.78 3.15 4.44
Enterprise Value to EBITDA (EV/EBITDA)		 6.43 7.18 6.76 6.78 6.62 7.41 4.67 9.92 12.93 8.02 11.29
Enterprise Value to EBIT (EV/EBIT)		 8.64 9.90 9.16 9.25 8.33 9.06 5.45 11.59 14.83 8.86 12.25
Enterprise Value to NOPAT (EV/NOPAT)		 12.98 14.85 15.55 10.51 9.53 11.90 7.24 15.39 19.61 11.77 16.31
Enterprise Value to Operating Cash Flow (EV/OCF)		 8.17 16.74 7.47 10.24 7.33 10.54 5.92 15.43 12.83 8.35 20.48
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 24.05 24.50 0.00 9.62 0.00 2.64 0.00 0.00 1.58 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.57 0.48 0.22 0.33 0.18 0.52 0.23 1.00 1.32 0.46 1.06
Long-Term Debt to Equity		 0.17 0.17 0.14 0.13 0.11 0.10 0.23 1.00 1.32 0.46 1.06
Financial Leverage		 0.43 0.52 0.34 0.28 0.25 0.36 0.37 0.58 1.17 0.88 0.77
Leverage Ratio		 9.10 9.66 9.47 9.19 8.79 8.90 9.33 10.48 11.44 10.56 10.31
Compound Leverage Factor		 9.10 9.66 9.47 10.80 10.19 8.90 9.33 10.53 11.53 10.56 10.31
Debt to Total Capital		 36.25% 32.56% 18.08% 24.97% 15.09% 34.11% 18.89% 50.01% 56.85% 31.62% 51.55%
Short-Term Debt to Total Capital		 25.22% 21.29% 7.01% 15.42% 5.49% 27.38% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 11.03% 11.27% 11.07% 9.55% 9.59% 6.73% 18.89% 50.01% 56.85% 31.62% 51.55%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 25.28% 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% 0.00%
Common Equity to Total Capital		 63.75% 67.44% 81.92% 75.03% 84.91% 65.89% 55.82% 49.99% 43.15% 68.38% 48.45%
Debt to EBITDA		 2.97 2.73 1.26 1.98 1.06 3.13 1.27 5.82 8.43 2.78 6.35
Net Debt to EBITDA		 1.63 -0.58 -0.30 0.36 -0.49 1.87 -2.59 4.34 6.94 1.08 4.13
Long-Term Debt to EBITDA		 0.90 0.95 0.77 0.76 0.68 0.62 1.27 5.82 8.43 2.78 6.35
Debt to NOPAT		 5.99 5.66 2.89 3.06 1.53 5.02 1.96 9.02 12.78 4.07 9.17
Net Debt to NOPAT		 3.30 -1.20 -0.70 0.56 -0.70 3.01 -4.02 6.73 10.53 1.59 5.97
Long-Term Debt to NOPAT		 1.82 1.96 1.77 1.17 0.97 0.99 1.96 9.02 12.78 4.07 9.17
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 16.00% 16.97% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -38 11 12 -22 36 -122 118 -127 -141 302 -188
Operating Cash Flow to CapEx		 1,134.23% 434.50% 1,900.00% 974.90% 5,968.97% 1,372.67% 14,192.99% 2,639.31% 0.00% 0.00% 2,247.00%
Free Cash Flow to Firm to Interest Expense		 -14.83 3.26 2.37 -2.36 2.62 -22.60 29.13 -10.38 -2.79 5.76 -4.03
Operating Cash Flow to Interest Expense		 11.12 4.69 7.79 3.29 3.44 7.40 13.00 2.75 1.05 1.09 0.72
Operating Cash Flow Less CapEx to Interest Expense		 10.14 3.61 7.38 2.96 3.38 6.86 12.91 2.65 1.42 1.16 0.69
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.05 0.04 0.04 0.04 0.04 0.05 0.04 0.04 0.04 0.04 0.04
Fixed Asset Turnover		 3.55 3.32 3.35 3.67 4.01 4.77 5.37 6.10 7.25 9.37 10.21
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 299 305 312 364 364 522 447 607 784 523 753
Invested Capital Turnover		 0.29 0.28 0.32 0.32 0.31 0.30 0.28 0.27 0.21 0.23 0.24
Increase / (Decrease) in Invested Capital		 56 6.72 7.14 51 0.34 158 -75 160 176 -261 231
Enterprise Value (EV)		 235 261 304 312 343 422 312 518 683 477 690
Market Capitalization		 175 282 317 295 368 315 372 291 316 413 438
Book Value per Share		 $14.37 $14.93 $16.82 $17.86 $20.22 $22.39 $16.19 $20.12 $23.00 $24.82 $27.06
Tangible Book Value per Share		 $13.78 $14.13 $14.61 $15.65 $18.08 $20.33 $14.20 $18.16 $21.04 $22.88 $25.03
Total Capital		 299 305 312 364 364 522 447 607 784 523 753
Total Debt		 108 99 56 91 55 178 84 304 445 165 388
Total Long-Term Debt		 33 34 35 35 35 35 84 304 445 165 388
Net Debt		 60 -21 -14 17 -25 107 -173 227 367 65 253
Capital Expenditures (CapEx)		 2.53 3.59 2.14 3.12 0.78 2.92 0.37 1.27 -19 -3.34 1.50
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 108 99 56 91 55 178 84 304 445 165 388
Total Depreciation and Amortization (D&A)		 9.34 9.99 12 12 11 10 9.52 7.51 6.77 5.66 4.76
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.34 $1.30 $1.38 $1.94 $2.35 $2.33 $2.82 $2.25 $0.00 $2.84 $3.14
Adjusted Weighted Average Basic Shares Outstanding		 13.46M 13.53M 14.17M 15.26M 15.31M 15.22M 15.24M 14.96M 0.00 14.28M 13.50M
Adjusted Diluted Earnings per Share		 $1.33 $1.29 $1.36 $1.92 $2.33 $2.32 $2.80 $2.24 $0.00 $2.82 $3.11
Adjusted Weighted Average Diluted Shares Outstanding		 13.59M 13.65M 14.36M 15.43M 15.44M 15.28M 15.35M 15.02M 0.00 14.40M 13.59M
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 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 13.27M 13.81M 15.23M 15.32M 15.30M 15.39M 15.25M 15.20M 0.00 13.96M 13.19M
Normalized Net Operating Profit after Tax (NOPAT)		 18 19 21 30 36 35 43 34 35 41 42
Normalized NOPAT Margin		 23.30% 22.71% 21.39% 27.77% 31.49% 27.06% 31.37% 23.98% 24.40% 26.76% 27.26%
Pre Tax Income Margin		 34.86% 31.23% 34.04% 36.62% 41.76% 35.52% 41.72% 31.99% 32.54% 35.54% 36.29%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 10.51 7.93 6.35 3.65 3.03 8.60 14.12 3.66 0.91 1.03 1.21
NOPAT to Interest Expense		 7.00 5.29 3.74 3.21 2.65 6.55 10.62 2.76 0.69 0.78 0.91
EBIT Less CapEx to Interest Expense		 9.53 6.86 5.94 3.31 2.97 8.06 14.03 3.56 1.28 1.09 1.17
NOPAT Less CapEx to Interest Expense		 6.02 4.21 3.33 2.87 2.59 6.01 10.53 2.65 1.06 0.84 0.87
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 31.34% 37.04% 40.61% 32.88% 31.51% 34.44% 30.76% 41.35% 39.36% 33.61% 32.45%
Augmented Payout Ratio		 75.38% 49.89% 40.61% 32.88% 38.59% 41.67% 42.90% 56.78% 64.85% 72.67% 107.65%

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 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 - - - - - - 27,928,472.00 13,818,770.00 13,590,273.00 13,482,458.00 13,186,503.00
DEI Adjusted Shares Outstanding		 - - - - - - 27,928,472.00 13,818,770.00 13,590,273.00 13,482,458.00 13,186,503.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - 0.33 0.77 0.71 0.96 0.95
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 0.92% -2.98% 7.48% 4.05% 7.62% 5.43% -1.48% 3.72% 3.75% 3.76% 4.96%
EBITDA Growth		 -1.75% -3.35% 9.21% 1.30% 10.74% 37.02% -4.64% 3.55% -20.90% 35.69% 27.86%
EBIT Growth		 -0.74% -7.60% 10.59% 6.41% 10.32% 53.62% -2.42% 0.30% -12.71% 34.64% 34.74%
NOPAT Growth		 -0.50% -11.58% 6.62% 3.47% 7.26% 64.80% -2.45% 3.61% -8.53% 24.41% 37.57%
Net Income Growth		 -0.50% -11.58% 6.62% 3.47% 7.26% 64.80% -2.45% 3.61% -8.53% 24.41% 37.57%
EPS Growth		 3.03% -10.42% 10.34% 5.97% 8.82% 69.77% 1.56% 9.86% -2.70% 31.51% 47.69%
Operating Cash Flow Growth		 2.93% 6,821.43% -33.68% -95.96% 39.59% 185.69% 481.94% -5,883.87% -45.48% -36.79% -72.76%
Free Cash Flow Firm Growth		 -813.06% -10.94% 156.84% 165.86% 190.57% 259.65% -97.99% -132.46% -123.77% -180.19% -4,925.16%
Invested Capital Growth		 47.21% 29.03% -16.18% -28.42% -26.29% -33.31% 1.36% 15.60% 10.81% 44.12% 22.67%
Revenue Q/Q Growth		 -1.32% 0.18% 3.87% 1.32% 2.06% -1.85% -2.93% 6.67% 2.09% -1.84% -1.81%
EBITDA Q/Q Growth		 -2.07% -32.24% 41.90% 5.19% 7.05% -16.16% -0.58% 14.14% -15.79% 43.38% -6.31%
EBIT Q/Q Growth		 -1.22% -38.38% 52.02% 11.86% 2.41% -14.19% -2.31% 14.97% -10.87% 34.49% -2.23%
NOPAT Q/Q Growth		 -0.34% -36.38% 48.35% 10.00% 3.31% -2.25% -12.19% 16.83% -8.78% 32.94% -2.90%
Net Income Q/Q Growth		 -0.34% -36.38% 48.35% 10.00% 3.31% -2.25% -12.19% 16.83% -8.78% 32.94% -2.90%
EPS Q/Q Growth		 1.49% -36.76% 48.84% 10.94% 4.23% -1.35% -10.96% 20.00% -7.69% 33.33% 0.00%
Operating Cash Flow Q/Q Growth		 28.04% -60.52% 59.46% -91.12% 4,320.16% -19.19% 83.43% -188.27% 141.66% -6.29% -20.96%
Free Cash Flow Firm Q/Q Growth		 33.13% 22.04% 163.40% 99.27% -8.04% 37.42% -99.20% -3,313.04% 32.66% -363.51% 51.89%
Invested Capital Q/Q Growth		 -1.23% 10.24% -34.90% 0.98% 1.70% -0.25% -1.05% 15.17% -2.51% 29.72% -15.77%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 40.96% 27.70% 38.71% 40.19% 42.15% 36.00% 37.47% 39.70% 32.75% 47.84% 45.64%
EBIT Margin		 36.74% 22.60% 34.00% 37.53% 37.66% 32.93% 33.67% 36.29% 31.68% 43.41% 43.23%
Profit (Net Income) Margin		 27.57% 17.51% 25.01% 27.15% 27.48% 27.37% 24.76% 27.12% 24.23% 32.82% 32.45%
Tax Burden Percent		 74.21% 76.20% 73.74% 72.24% 73.58% 82.27% 74.20% 74.68% 76.36% 75.25% 74.85%
Interest Burden Percent		 101.14% 101.69% 99.76% 100.14% 99.18% 101.04% 99.11% 100.07% 100.16% 100.47% 100.31%
Effective Tax Rate		 25.79% 23.80% 26.26% 27.76% 26.42% 17.73% 25.80% 25.32% 23.64% 24.75% 25.15%
Return on Invested Capital (ROIC)		 6.65% 3.60% 6.50% 6.46% 6.66% 6.35% 7.28% 7.44% 6.75% 7.99% 8.86%
ROIC Less NNEP Spread (ROIC-NNEP)		 6.65% 3.60% 6.50% 6.46% 6.66% 6.35% 7.28% 7.44% 6.75% 7.99% 8.86%
Return on Net Nonoperating Assets (RNNOA)		 6.49% 4.20% 4.65% 5.63% 5.66% 5.58% 3.45% 4.27% 3.62% 6.12% 5.40%
Return on Equity (ROE)		 13.14% 7.79% 11.15% 12.09% 12.32% 11.93% 10.73% 11.71% 10.37% 14.11% 14.25%
Cash Return on Invested Capital (CROIC)		 -32.22% -20.34% 23.93% 38.92% 36.19% 46.18% 6.50% -7.14% -3.05% -29.51% -12.42%
Operating Return on Assets (OROA)		 1.45% 0.88% 1.36% 1.48% 1.52% 1.36% 1.42% 1.48% 1.32% 1.81% 1.85%
Return on Assets (ROA)		 1.09% 0.68% 1.00% 1.07% 1.11% 1.13% 1.04% 1.11% 1.01% 1.37% 1.39%
Return on Common Equity (ROCE)		 13.14% 7.79% 11.15% 12.09% 12.32% 11.93% 10.73% 11.71% 10.37% 14.11% 14.25%
Return on Equity Simple (ROE_SIMPLE)		 11.55% 0.00% 10.26% 10.22% 10.17% 0.00% 11.47% 11.44% 11.05% 0.00% 12.58%
Net Operating Profit after Tax (NOPAT)		 9.89 6.29 9.33 10 11 10 9.10 11 9.70 13 13
NOPAT Margin		 27.57% 17.51% 25.01% 27.15% 27.48% 27.37% 24.76% 27.12% 24.23% 32.82% 32.45%
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% 0.00%
SG&A Expenses to Revenue		 42.14% 45.44% 43.48% 40.16% 39.81% 42.13% 43.48% 40.01% 40.13% 40.38% 40.92%
Operating Expenses to Revenue		 62.94% 67.21% 65.74% 60.03% 59.13% 60.38% 60.99% 60.62% 59.05% 58.59% 56.57%
Earnings before Interest and Taxes (EBIT)		 13 8.12 13 14 15 12 12 14 13 17 17
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 15 9.95 14 15 16 14 14 16 13 19 18
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.86 0.94 0.85 0.93 1.15 1.16 1.07 1.15 1.09 1.20 1.23
Price to Tangible Book Value (P/TBV)		 0.95 1.02 0.93 1.01 1.25 1.25 1.16 1.25 1.18 1.30 1.33
Price to Revenue (P/Rev)		 1.85 2.22 2.02 2.21 2.77 2.72 2.49 2.69 2.55 2.82 2.85
Price to Earnings (P/E)		 7.51 9.08 8.27 9.06 11.30 10.18 9.33 10.08 9.87 10.34 9.78
Dividend Yield		 5.11% 4.27% 4.64% 4.14% 3.25% 3.28% 3.56% 3.30% 3.42% 3.08% 2.98%
Earnings Yield		 13.32% 11.01% 12.09% 11.04% 8.85% 9.83% 10.71% 9.92% 10.13% 9.67% 10.23%
Enterprise Value to Invested Capital (EV/IC)		 0.82 0.87 0.66 0.59 0.85 0.91 0.74 0.87 0.89 0.92 0.89
Enterprise Value to Revenue (EV/Rev)		 4.03 4.78 2.33 2.08 2.98 3.15 2.53 3.41 3.37 4.44 3.57
Enterprise Value to EBITDA (EV/EBITDA)		 10.91 12.93 6.22 5.58 7.94 8.02 6.45 8.78 9.28 11.29 8.65
Enterprise Value to EBIT (EV/EBIT)		 12.35 14.83 7.11 6.29 8.95 8.86 7.11 9.70 10.01 12.25 9.26
Enterprise Value to NOPAT (EV/NOPAT)		 16.26 19.61 9.56 8.53 12.24 11.77 9.47 12.78 13.01 16.31 12.27
Enterprise Value to Operating Cash Flow (EV/OCF)		 12.72 12.83 6.82 8.72 10.44 8.35 4.21 9.57 12.37 20.48 135.46
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 2.53 1.27 2.00 1.58 11.44 0.00 0.00 0.00 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 1.30 1.32 0.48 0.47 0.46 0.46 0.47 0.67 0.61 1.06 0.74
Long-Term Debt to Equity		 0.27 1.32 0.48 0.47 0.46 0.46 0.47 0.67 0.61 1.06 0.74
Financial Leverage		 0.98 1.17 0.72 0.87 0.85 0.88 0.47 0.57 0.54 0.77 0.61
Leverage Ratio		 12.04 11.44 11.11 11.28 11.14 10.56 10.27 10.56 10.30 10.31 10.29
Compound Leverage Factor		 12.18 11.63 11.09 11.30 11.05 10.67 10.18 10.57 10.32 10.36 10.32
Debt to Total Capital		 56.54% 56.85% 32.35% 32.05% 31.53% 31.62% 31.97% 40.26% 37.97% 51.55% 42.66%
Short-Term Debt to Total Capital		 44.60% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 11.94% 56.85% 32.35% 32.05% 31.53% 31.62% 31.97% 40.26% 37.97% 51.55% 42.66%
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% 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% 0.00%
Common Equity to Total Capital		 43.46% 43.15% 67.65% 67.95% 68.47% 68.38% 68.03% 59.74% 62.03% 48.45% 57.34%
Debt to EBITDA		 7.56 8.43 3.03 3.02 2.94 2.78 2.79 4.05 3.95 6.35 4.17
Net Debt to EBITDA		 5.90 6.94 0.84 -0.35 0.58 1.08 0.09 1.85 2.24 4.13 1.76
Long-Term Debt to EBITDA		 1.60 8.43 3.03 3.02 2.94 2.78 2.79 4.05 3.95 6.35 4.17
Debt to NOPAT		 11.27 12.78 4.66 4.62 4.53 4.07 4.10 5.89 5.54 9.17 5.91
Net Debt to NOPAT		 8.79 10.53 1.29 -0.53 0.89 1.59 0.14 2.70 3.14 5.97 2.50
Long-Term Debt to NOPAT		 2.38 12.78 4.66 4.62 4.53 4.07 4.10 5.89 5.54 9.17 5.91
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 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)		 -218 -170 108 215 197 271 2.17 -70 -47 -218 -105
Operating Cash Flow to CapEx		 5,047.04% 0.00% 0.00% 148.33% 23,029.41% 8,053.45% 10,551.95% -7,951.22% 6,122.95% 3,333.33% 0.00%
Free Cash Flow to Firm to Interest Expense		 -15.25 -11.66 8.80 16.12 14.10 21.30 0.19 -5.78 -3.92 -19.21 -9.89
Operating Cash Flow to Interest Expense		 1.37 0.53 0.57 0.05 1.96 1.74 3.58 -2.97 1.25 1.24 1.05
Operating Cash Flow Less CapEx to Interest Expense		 1.35 1.89 0.91 0.02 1.95 1.72 3.55 -3.01 1.23 1.20 1.09
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04
Fixed Asset Turnover		 6.45 7.25 7.58 7.71 7.96 9.37 9.62 9.74 10.02 10.21 10.55
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 711 784 510 515 524 523 517 595 581 753 634
Invested Capital Turnover		 0.24 0.21 0.26 0.24 0.24 0.23 0.29 0.27 0.28 0.24 0.27
Increase / (Decrease) in Invested Capital		 228 176 -98 -205 -187 -261 6.93 80 57 231 117
Enterprise Value (EV)		 580 683 339 305 446 477 382 520 518 690 561
Market Capitalization		 267 316 293 324 414 413 376 410 393 438 447
Book Value per Share		 $20.85 $23.00 $23.34 $23.98 $24.81 $24.82 $25.19 $25.74 $26.50 $27.06 $27.58
Tangible Book Value per Share		 $18.90 $21.04 $21.41 $22.04 $22.92 $22.88 $23.20 $23.74 $24.47 $25.03 $25.51
Total Capital		 711 784 510 515 524 523 517 595 581 753 634
Total Debt		 402 445 165 165 165 165 165 240 220 388 271
Total Long-Term Debt		 85 445 165 165 165 165 165 240 220 388 271
Net Debt		 313 367 46 -19 32 65 5.59 110 125 253 114
Capital Expenditures (CapEx)		 0.39 -20 -4.15 0.42 0.12 0.28 0.39 0.45 0.24 0.42 -0.44
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 402 445 165 165 165 165 165 240 220 388 271
Total Depreciation and Amortization (D&A)		 1.51 1.83 1.76 1.00 1.73 1.17 1.40 1.34 0.43 1.74 0.93
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.68 $0.44 $0.64 $0.72 $0.75 $0.73 $0.66 $0.78 $0.73 $0.97 $0.96
Adjusted Weighted Average Basic Shares Outstanding		 14.58M 14.71M 14.51M 14.30M 14.19M 14.28M 13.82M 13.56M 13.36M 13.50M 12.99M
Adjusted Diluted Earnings per Share		 $0.68 $0.43 $0.64 $0.71 $0.74 $0.73 $0.65 $0.78 $0.72 $0.96 $0.96
Adjusted Weighted Average Diluted Shares Outstanding		 14.64M 14.74M 14.55M 14.38M 14.34M 14.40M 13.92M 13.64M 13.47M 13.59M 13.10M
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 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 0.00 14.79M 0.00 0.00 0.00 13.96M 0.00 0.00 0.00 13.19M 13.08M
Normalized Net Operating Profit after Tax (NOPAT)		 9.89 6.29 9.33 10 11 10 9.10 11 9.70 13 13
Normalized NOPAT Margin		 27.57% 17.51% 25.01% 27.15% 27.48% 27.37% 24.76% 27.12% 24.23% 32.82% 32.45%
Pre Tax Income Margin		 37.16% 22.98% 33.92% 37.58% 37.35% 33.27% 33.37% 36.32% 31.73% 43.62% 43.36%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.92 0.56 1.04 1.06 1.04 0.98 1.09 1.18 1.06 1.51 1.58
NOPAT to Interest Expense		 0.69 0.43 0.76 0.77 0.76 0.81 0.80 0.88 0.81 1.14 1.18
EBIT Less CapEx to Interest Expense		 0.89 1.91 1.37 1.03 1.03 0.96 1.06 1.14 1.04 1.47 1.62
NOPAT Less CapEx to Interest Expense		 0.66 1.79 1.10 0.74 0.75 0.79 0.77 0.84 0.79 1.10 1.22
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 38.78% 39.36% 38.44% 37.77% 37.09% 33.61% 34.10% 34.03% 34.68% 32.45% 29.85%
Augmented Payout Ratio		 63.51% 64.85% 65.58% 64.25% 61.16% 72.67% 100.26% 100.36% 113.86% 107.65% 89.87%

Financials Breakdown Chart

Key Financial Trends

Sierra Bancorp (NASDAQ: BSRR) delivered a solid start to 2026, with earnings and capital levels holding up well even as deposit and loan mix trends remain an area to watch. Over the last four years, the company has generally shown steady profitability, but recent quarters suggest pressure from funding costs, deposit volatility, and elevated credit provisions.

What stands out most: Sierra Bancorp is still producing consistent quarterly profits and meaningful operating cash flow, but the balance sheet has grown more leveraged, and earnings per share have been held back by share repurchases and a higher expense base.

  • Profitability remains steady: Q1 2026 net income was $12.5 million, up from $9.7 million in Q3 2025 and $10.4 million in Q4 2025, showing the bank remains profitable through changing rate conditions.
  • Operating cash flow is healthy: Q1 2026 operating cash flow was $11.1 million, which supports the business and indicates the core banking franchise is still generating cash.
  • Revenue improved sequentially: Q1 2026 total revenue rose to $38.6 million from $39.3 million in Q4 2025 and $40.0 million in Q3 2025, staying in a relatively stable range.
  • Loan book continues to expand over the long term: Net loans and leases rose to $2.73 billion in Q1 2026 from $2.45 billion in Q1 2024, suggesting continued balance sheet growth.
  • Equity has edged higher: Total common equity increased to $363.7 million in Q1 2026 from $351.8 million in Q1 2025, which supports capital strength.
  • Net interest income is relatively stable, but not accelerating: Q1 2026 net interest income was $30.6 million, roughly in line with recent quarters, indicating the margin environment is steady rather than improving sharply.
  • Non-interest income remains an important contributor: Fee and service income continues to provide a meaningful offset to lending spread pressure, but it has not shown a dramatic growth trend.
  • Share count has been managed lower: Weighted average basic shares fell to 12.99 million in Q1 2026 from 14.58 million in Q3 2025, which supports EPS but also reflects capital deployment through repurchases.
  • Book value has grown modestly: Retained earnings climbed to $281.4 million in Q1 2026 from $269.9 million in Q1 2025, pointing to continued internal capital generation.
  • Deposit balances are choppy: Net change in deposits was a large outflow in Q1 2026 at $49.4 million, after an inflow in Q4 2025 and an outflow in Q3 2025, showing funding volatility.
  • Loan loss provisioning has been volatile and recently higher: Q3 2025 provision for credit losses jumped to $3.7 million, and Q1 2026 still required a provision, suggesting some credit normalization pressure.
  • Non-interest expense remains elevated: Salaries, occupancy, and other operating expenses have kept total non-interest expense in the low-$20 million range, limiting margin expansion.
  • Long-term debt increased materially versus early 2025: Long-term debt was $270.6 million in Q1 2026, up from $165.3 million in Q1 2025, which raises financing leverage and interest sensitivity.
  • Asset quality metrics need monitoring: The allowance for loan losses has moved around quarter to quarter, and the bank has also seen fluctuations in provisions, which can be a warning sign if credit conditions weaken.

Bottom line: Sierra Bancorp looks like a generally profitable regional bank with decent cash generation and a stable earnings base, but investors should pay close attention to deposit trends, credit costs, and funding leverage. The company’s fundamentals appear resilient, yet the balance sheet and funding mix suggest the next few quarters will need to confirm that earnings stability can continue.

07/14/26 06:12 AM ETAI Generated. May Contain Errors.

Sierra Bancorp Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Sierra Bancorp's financial year ends in December. Their financial year 2025 ended on December 31, 2025.

Sierra Bancorp's net income appears to be on an upward trend, with a most recent value of $42.33 million in 2025, rising from $18.07 million in 2015. The previous period was $40.56 million in 2024. See Sierra Bancorp's forecast for analyst expectations on what's next for the company.

Over the last 10 years, Sierra Bancorp's total revenue changed from $77.84 million in 2015 to $155.28 million in 2025, a change of 99.5%.

Sierra Bancorp's total liabilities were at $3.46 billion at the end of 2025, a 6.4% increase from 2024, and a 115.7% increase since 2015.

In the past 10 years, Sierra Bancorp's cash and equivalents has ranged from $46.63 million in 2015 to $79.62 million in 2024, and is currently $71.41 million as of their latest financial filing in 2025.

Over the last 10 years, Sierra Bancorp's book value per share changed from 14.37 in 2015 to 27.06 in 2025, a change of 88.4%.


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Financial statements for NASDAQ:BSRR last updated on 7/2/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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