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Sierra Bancorp (BSRR) Financials

Sierra Bancorp logo
$39.76 0.00 (0.00%)
Closing price 10/2/2026 04:00 PM Eastern
Extended Trading
$39.76 +0.00 (+0.00%)
As of 04:02 AM Eastern
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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 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 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 6/30/2026
Net Income / (Loss) Attributable to Common Shareholders		 6.44 9.33 10 11 10 9.10 11 9.70 13 13 9.92
Consolidated Net Income / (Loss)		 6.29 9.33 10 11 10 9.10 11 9.70 13 13 9.92
Net Income / (Loss) Continuing Operations		 6.44 9.33 10 11 10 9.10 11 9.70 13 13 9.92
Total Pre-Tax Income 		8.25 13 14 14 13 12 14 13 17 17 13
Total Revenue		 36 37 38 39 38 37 39 40 39 39 39
Net Interest Income / (Expense)		 28 29 30 31 30 30 31 32 32 31 30
Total Interest Income		 42 41 43 45 43 41 43 44 43 41 41
Loans and Leases Interest Income		 25 25 29 30 30 30 32 33 33 31 31
Investment Securities Interest Income		 17 15 14 14 12 11 11 11 9.86 9.62 9.64
Federal Funds Sold and Securities Borrowed Interest Income		 0.19 0.24 0.60 1.23 0.59 0.59 0.21 0.33 0.17 0.21 0.11
Total Interest Expense		 15 12 13 14 13 11 12 12 11 11 11
Deposits Interest Expense		 8.85 9.65 11 12 11 9.37 9.33 9.61 8.19 8.32 7.86
Short-Term Borrowings Interest Expense		 2.65 1.13 1.04 0.79 0.86 0.82 1.06 0.86 0.88 0.79 0.39
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		 2.65 1.04 0.82 0.81 0.75 0.72 1.25 1.08 1.83 1.05 1.85
Total Non-Interest Income		 8.05 8.59 7.63 7.79 7.51 6.64 8.55 8.06 7.34 7.97 8.57
Other Service Charges		 13 6.39 7.11 7.18 7.03 6.79 7.26 7.04 6.83 7.57 6.77
Net Realized & Unrealized Capital Gains on Investments		 0.76 0.98 0.00 0.07 0.11 -0.38 0.96 0.00 -0.03 -0.02 1.39
Other Non-Interest Income		 -5.31 1.22 0.52 0.54 0.37 0.24 0.34 1.02 0.54 0.42 0.42
Provision for Credit Losses		 3.66 0.10 0.92 1.24 2.54 1.96 1.20 3.71 -0.79 0.08 2.19
Total Non-Interest Expense		 24 25 23 23 23 22 24 24 23 22 24
Salaries and Employee Benefits		 13 13 12 12 13 13 13 13 13 13 13
Net Occupancy & Equipment Expense		 2.91 3.03 3.15 3.00 3.20 2.98 3.14 3.23 3.18 3.09 3.20
Other Operating Expenses		 7.82 8.30 7.51 7.45 6.91 6.44 8.08 7.57 7.15 6.04 7.76
Income Tax Expense		 1.96 3.32 3.94 3.81 2.23 3.17 3.61 3.00 4.24 4.21 3.36
Basic Earnings per Share		 $0.44 $0.64 $0.72 $0.75 $0.73 $0.66 $0.78 $0.73 $0.97 $0.96 $0.77
Weighted Average Basic Shares Outstanding		 14.71M 14.51M 14.30M 14.19M 14.28M 13.82M 13.56M 13.36M 13.50M 12.99M 12.85M
Diluted Earnings per Share		 $0.43 $0.64 $0.71 $0.74 $0.73 $0.65 $0.78 $0.72 $0.96 $0.96 $0.77
Weighted Average Diluted Shares Outstanding		 14.74M 14.55M 14.38M 14.34M 14.40M 13.92M 13.64M 13.47M 13.59M 13.10M 12.96M
Weighted Average Basic & Diluted Shares Outstanding		 14.79M 0.00 0.00 0.00 13.96M 0.00 0.00 0.00 13.19M 13.08M 12.96M

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 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 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 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 6/30/2026
Net Change in Cash & Equivalents		 -9.94 41 65 -51 -32 59 -30 -35 40 21 -14
Net Cash From Operating Activities		 7.75 6.98 0.62 27 22 41 -36 15 14 11 5.48
Net Cash From Continuing Operating Activities		 7.75 6.98 0.62 27 22 41 -36 15 14 11 5.48
Net Income / (Loss) Continuing Operations		 6.29 9.33 10 11 10 9.10 11 9.70 13 13 9.92
Consolidated Net Income / (Loss)		 6.29 9.33 10 11 10 9.10 11 9.70 13 13 9.92
Provision For Loan Losses		 3.61 0.13 0.92 1.24 2.34 2.07 1.20 3.69 -0.87 0.03 2.19
Depreciation Expense		 0.80 0.53 0.52 0.37 0.67 0.52 0.51 0.47 0.72 0.50 0.49
Amortization Expense		 1.03 1.22 0.48 1.36 0.49 0.87 0.82 -0.04 1.02 0.44 0.34
Non-Cash Adjustments to Reconcile Net Income		 -3.07 -1.59 -0.28 -0.22 4.53 0.36 -1.05 0.45 1.95 -0.63 1.73
Changes in Operating Assets and Liabilities, net		 -0.92 -2.64 -11 14 3.76 28 -48 0.68 -1.71 -1.78 -9.19
Net Cash From Investing Activities		 39 220 -50 -71 43 68 -193 22 -80 93 19
Net Cash From Continuing Investing Activities		 39 220 -50 -71 43 68 -193 22 -80 93 19
Purchase of Property, Leasehold Improvements and Equipment		 -0.30 -0.37 -0.42 -0.12 -0.25 -0.39 -0.45 -0.24 -0.45 -0.08 -0.05
Purchase of Investment Securities		 2.09 -67 -112 -169 -50 -136 -235 -100 -147 66 -23
Sale and/or Maturity of Investments		 17 284 62 98 93 204 43 122 68 27 42
Net Cash From Financing Activities		 -56 -187 115 -7.17 -97 -49 199 -71 106 -84 -38
Net Cash From Continuing Financing Activities		 -56 -187 115 -7.17 -97 -49 199 -71 106 -84 -38
Net Change in Deposits		 -108 86 95 20 -70 -42 125 -42 -56 49 5.19
Repayment of Debt		 49 -151 - - - 0.00 34 -4.40 - -38 -7.30
Repurchase of Common Equity		 -0.14 -3.45 -3.67 -1.52 -7.20 -14 -3.98 -6.04 -7.52 -9.92 -4.99
Payment of Dividends		 -3.35 -3.40 -3.35 -3.43 -3.46 -3.51 -3.45 -3.38 -3.39 -3.43 -3.40
Other Financing Activities, Net		 7.26 -115 26 -22 -16 10 48 -16 190 -82 -15
Cash Interest Paid		 15 13 9.86 14 12 15 11 13 10 13 11

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 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026 Q2 2026
Period end date 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 6/30/2026
Total Assets		 3,694 3,762 3,739 3,553 3,681 3,696 3,606 3,770 3,709 3,754 3,721
Cash and Due from Banks		 82 100 85 71 96 98 80 113 82 106 108
Interest Bearing Deposits at Other Banks		 1.81 3.06 3.89 48 88 35 79 17 14 51 35
Loans and Leases, Net of Allowance		 2,011 2,071 2,078 2,450 2,526 2,607 2,582 2,711 2,761 2,733 2,715
Loans and Leases		 2,034 2,094 2,101 2,473 2,548 2,630 2,609 2,733 2,786 2,754 2,739
Allowance for Loan and Lease Losses		 23 23 23 23 22 23 27 22 25 21 24
Premises and Equipment, Net		 22 22 22 16 16 16 15 15 15 14 14
Goodwill		 27 27 27 27 27 27 27 27 27 27 27
Intangible Assets		 2.06 1.84 1.62 1.18 0.96 - 0.46 0.29 0.13 0.01 0.00
Other Assets		 1,215 1,208 1,198 939 927 913 822 886 810 823 821
Total Liabilities & Shareholders' Equity		 3,694 3,762 3,739 3,553 3,681 3,696 3,606 3,770 3,709 3,754 3,721
Total Liabilities		 3,387 3,453 3,430 3,208 3,331 3,337 3,254 3,415 3,349 3,391 3,354
Non-Interest Bearing Deposits		 1,042 1,066 1,060 969 987 1,014 1,038 1,066 1,073 1,029 1,026
Interest Bearing Deposits		 1,907 1,852 1,810 1,878 1,955 1,948 1,812 1,909 1,860 1,897 1,905
Long-Term Debt		 302 85 85 165 165 165 165 240 220 271 241
Other Long-Term Liabilities		 136 124 158 196 224 210 239 200 196 194 182
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		 307 310 309 345 350 359 352 356 360 364 367
Total Preferred & Common Equity		 307 310 309 345 350 359 352 356 360 364 367
Total Common Equity		 307 310 309 345 350 359 352 356 360 364 367
Common Stock		 116 115 115 114 113 114 111 110 109 107 107
Retained Earnings		 247 251 256 263 267 274 270 274 276 281 284
Accumulated Other Comprehensive Income / (Loss)		 -56 -57 -62 -32 -31 -29 -29 -29 -25 -25 -24

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 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 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 6/30/2026
DEI Shares Outstanding		 - - - - - 27,928,472.00 13,818,770.00 13,590,273.00 13,482,458.00 13,186,503.00 13,079,184.00
DEI Adjusted Shares Outstanding		 - - - - - 27,928,472.00 13,818,770.00 13,590,273.00 13,482,458.00 13,186,503.00 13,079,184.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - 0.33 0.77 0.71 0.96 0.95 0.76
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -2.98% 7.48% 4.05% 7.62% 5.43% -1.48% 3.72% 3.75% 3.76% 4.96% -0.57%
EBITDA Growth		 -3.35% 9.21% 1.30% 10.74% 37.02% -4.64% 3.55% -20.90% 35.69% 27.86% -9.51%
EBIT Growth		 -7.60% 10.59% 6.41% 10.32% 53.62% -2.42% 0.30% -12.71% 34.64% 34.74% -6.74%
NOPAT Growth		 -11.58% 6.62% 3.47% 7.26% 64.80% -2.45% 3.61% -8.53% 24.41% 37.57% -6.71%
Net Income Growth		 -11.58% 6.62% 3.47% 7.26% 64.80% -2.45% 3.61% -8.53% 24.41% 37.57% -6.71%
EPS Growth		 -10.42% 10.34% 5.97% 8.82% 69.77% 1.56% 9.86% -2.70% 31.51% 47.69% -1.28%
Operating Cash Flow Growth		 6,821.43% -33.68% -95.96% 39.59% 185.69% 481.94% -5,883.87% -45.48% -36.79% -72.76% 115.29%
Free Cash Flow Firm Growth		 -10.94% 156.84% 165.86% 190.57% 259.65% -97.99% -132.46% -123.77% -180.19% -4,925.16% 96.93%
Invested Capital Growth		 29.03% -16.18% -28.42% -26.29% -33.31% 1.36% 15.60% 10.81% 44.12% 22.67% 2.02%
Revenue Q/Q Growth		 0.18% 3.87% 1.32% 2.06% -1.85% -2.93% 6.67% 2.09% -1.84% -1.81% 1.05%
EBITDA Q/Q Growth		 -32.24% 41.90% 5.19% 7.05% -16.16% -0.58% 14.14% -15.79% 43.38% -6.31% -19.88%
EBIT Q/Q Growth		 -38.38% 52.02% 11.86% 2.41% -14.19% -2.31% 14.97% -10.87% 34.49% -2.23% -20.37%
NOPAT Q/Q Growth		 -36.38% 48.35% 10.00% 3.31% -2.25% -12.19% 16.83% -8.78% 32.94% -2.90% -20.77%
Net Income Q/Q Growth		 -36.38% 48.35% 10.00% 3.31% -2.25% -12.19% 16.83% -8.78% 32.94% -2.90% -20.77%
EPS Q/Q Growth		 -36.76% 48.84% 10.94% 4.23% -1.35% -10.96% 20.00% -7.69% 33.33% 0.00% -19.79%
Operating Cash Flow Q/Q Growth		 -60.52% 59.46% -91.12% 4,320.16% -19.19% 83.43% -188.27% 141.66% -6.29% -20.96% -50.46%
Free Cash Flow Firm Q/Q Growth		 22.04% 163.40% 99.27% -8.04% 37.42% -99.20% -3,313.04% 32.66% -363.51% 51.89% 97.96%
Invested Capital Q/Q Growth		 10.24% -34.90% 0.98% 1.70% -0.25% -1.05% 15.17% -2.51% 29.72% -15.77% -4.22%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 27.70% 38.71% 40.19% 42.15% 36.00% 37.47% 39.70% 32.75% 47.84% 45.64% 36.19%
EBIT Margin		 22.60% 34.00% 37.53% 37.66% 32.93% 33.67% 36.29% 31.68% 43.41% 43.23% 34.06%
Profit (Net Income) Margin		 17.51% 25.01% 27.15% 27.48% 27.37% 24.76% 27.12% 24.23% 32.82% 32.45% 25.45%
Tax Burden Percent		 76.20% 73.74% 72.24% 73.58% 82.27% 74.20% 74.68% 76.36% 75.25% 74.85% 74.70%
Interest Burden Percent		 101.69% 99.76% 100.14% 99.18% 101.04% 99.11% 100.07% 100.16% 100.47% 100.31% 100.00%
Effective Tax Rate		 23.80% 26.26% 27.76% 26.42% 17.73% 25.80% 25.32% 23.64% 24.75% 25.15% 25.30%
Return on Invested Capital (ROIC)		 3.60% 6.50% 6.46% 6.66% 6.35% 7.28% 7.44% 6.75% 7.99% 8.86% 6.64%
ROIC Less NNEP Spread (ROIC-NNEP)		 3.60% 6.50% 6.46% 6.66% 6.35% 7.28% 7.44% 6.75% 7.99% 8.86% 6.64%
Return on Net Nonoperating Assets (RNNOA)		 4.20% 4.65% 5.63% 5.66% 5.58% 3.45% 4.27% 3.62% 6.12% 5.40% 4.41%
Return on Equity (ROE)		 7.79% 11.15% 12.09% 12.32% 11.93% 10.73% 11.71% 10.37% 14.11% 14.25% 11.05%
Cash Return on Invested Capital (CROIC)		 -20.34% 23.93% 38.92% 36.19% 46.18% 6.50% -7.14% -3.05% -29.51% -12.42% 5.48%
Operating Return on Assets (OROA)		 0.88% 1.36% 1.48% 1.52% 1.36% 1.42% 1.48% 1.32% 1.81% 1.85% 1.43%
Return on Assets (ROA)		 0.68% 1.00% 1.07% 1.11% 1.13% 1.04% 1.11% 1.01% 1.37% 1.39% 1.07%
Return on Common Equity (ROCE)		 7.79% 11.15% 12.09% 12.32% 11.93% 10.73% 11.71% 10.37% 14.11% 14.25% 11.05%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 10.26% 10.22% 10.17% 0.00% 11.47% 11.44% 11.05% 0.00% 12.58% 12.27%
Net Operating Profit after Tax (NOPAT)		 6.29 9.33 10 11 10 9.10 11 9.70 13 13 9.92
NOPAT Margin		 17.51% 25.01% 27.15% 27.48% 27.37% 24.76% 27.12% 24.23% 32.82% 32.45% 25.45%
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		 45.44% 43.48% 40.16% 39.81% 42.13% 43.48% 40.01% 40.13% 40.38% 40.92% 40.41%
Operating Expenses to Revenue		 67.21% 65.74% 60.03% 59.13% 60.38% 60.99% 60.62% 59.05% 58.59% 56.57% 60.31%
Earnings before Interest and Taxes (EBIT)		 8.12 13 14 15 12 12 14 13 17 17 13
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 9.95 14 15 16 14 14 16 13 19 18 14
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.94 0.85 0.93 1.15 1.16 1.07 1.15 1.09 1.20 1.23 1.45
Price to Tangible Book Value (P/TBV)		 1.02 0.93 1.01 1.25 1.25 1.16 1.25 1.18 1.30 1.33 1.57
Price to Revenue (P/Rev)		 2.22 2.02 2.21 2.77 2.72 2.49 2.69 2.55 2.82 2.85 3.40
Price to Earnings (P/E)		 9.08 8.27 9.06 11.30 10.18 9.33 10.08 9.87 10.34 9.78 11.84
Dividend Yield		 4.27% 4.64% 4.14% 3.25% 3.28% 3.56% 3.30% 3.42% 3.08% 2.98% 2.50%
Earnings Yield		 11.01% 12.09% 11.04% 8.85% 9.83% 10.71% 9.92% 10.13% 9.67% 10.23% 8.45%
Enterprise Value to Invested Capital (EV/IC)		 0.87 0.66 0.59 0.85 0.91 0.74 0.87 0.89 0.92 0.89 1.04
Enterprise Value to Revenue (EV/Rev)		 4.78 2.33 2.08 2.98 3.15 2.53 3.41 3.37 4.44 3.57 4.02
Enterprise Value to EBITDA (EV/EBITDA)		 12.93 6.22 5.58 7.94 8.02 6.45 8.78 9.28 11.29 8.65 9.94
Enterprise Value to EBIT (EV/EBIT)		 14.83 7.11 6.29 8.95 8.86 7.11 9.70 10.01 12.25 9.26 10.57
Enterprise Value to NOPAT (EV/NOPAT)		 19.61 9.56 8.53 12.24 11.77 9.47 12.78 13.01 16.31 12.27 14.01
Enterprise Value to Operating Cash Flow (EV/OCF)		 12.83 6.82 8.72 10.44 8.35 4.21 9.57 12.37 20.48 135.46 13.87
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 2.53 1.27 2.00 1.58 11.44 0.00 0.00 0.00 0.00 19.14
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 1.32 0.48 0.47 0.46 0.46 0.47 0.67 0.61 1.06 0.74 0.66
Long-Term Debt to Equity		 1.32 0.48 0.47 0.46 0.46 0.47 0.67 0.61 1.06 0.74 0.66
Financial Leverage		 1.17 0.72 0.87 0.85 0.88 0.47 0.57 0.54 0.77 0.61 0.66
Leverage Ratio		 11.44 11.11 11.28 11.14 10.56 10.27 10.56 10.30 10.31 10.29 10.37
Compound Leverage Factor		 11.63 11.09 11.30 11.05 10.67 10.18 10.57 10.32 10.36 10.32 10.37
Debt to Total Capital		 56.85% 32.35% 32.05% 31.53% 31.62% 31.97% 40.26% 37.97% 51.55% 42.66% 39.61%
Short-Term Debt 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%
Long-Term Debt to Total Capital		 56.85% 32.35% 32.05% 31.53% 31.62% 31.97% 40.26% 37.97% 51.55% 42.66% 39.61%
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		 43.15% 67.65% 67.95% 68.47% 68.38% 68.03% 59.74% 62.03% 48.45% 57.34% 60.39%
Debt to EBITDA		 8.43 3.03 3.02 2.94 2.78 2.79 4.05 3.95 6.35 4.17 3.79
Net Debt to EBITDA		 6.94 0.84 -0.35 0.58 1.08 0.09 1.85 2.24 4.13 1.76 1.54
Long-Term Debt to EBITDA		 8.43 3.03 3.02 2.94 2.78 2.79 4.05 3.95 6.35 4.17 3.79
Debt to NOPAT		 12.78 4.66 4.62 4.53 4.07 4.10 5.89 5.54 9.17 5.91 5.34
Net Debt to NOPAT		 10.53 1.29 -0.53 0.89 1.59 0.14 2.70 3.14 5.97 2.50 2.17
Long-Term Debt to NOPAT		 12.78 4.66 4.62 4.53 4.07 4.10 5.89 5.54 9.17 5.91 5.34
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)		 -170 108 215 197 271 2.17 -70 -47 -218 -105 -2.14
Operating Cash Flow to CapEx		 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% 11,917.39%
Free Cash Flow to Firm to Interest Expense		 -11.66 8.80 16.12 14.10 21.30 0.19 -5.78 -3.92 -19.21 -9.89 -0.20
Operating Cash Flow to Interest Expense		 0.53 0.57 0.05 1.96 1.74 3.58 -2.97 1.25 1.24 1.05 0.52
Operating Cash Flow Less CapEx to Interest Expense		 1.89 0.91 0.02 1.95 1.72 3.55 -3.01 1.23 1.20 1.09 0.52
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		 7.25 7.58 7.71 7.96 9.37 9.62 9.74 10.02 10.21 10.55 10.69
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 784 510 515 524 523 517 595 581 753 634 608
Invested Capital Turnover		 0.21 0.26 0.24 0.24 0.23 0.29 0.27 0.28 0.24 0.27 0.26
Increase / (Decrease) in Invested Capital		 176 -98 -205 -187 -261 6.93 80 57 231 117 12
Enterprise Value (EV)		 683 339 305 446 477 382 520 518 690 561 631
Market Capitalization		 316 293 324 414 413 376 410 393 438 447 533
Book Value per Share		 $23.00 $23.34 $23.98 $24.81 $24.82 $25.19 $25.74 $26.50 $27.06 $27.58 $28.05
Tangible Book Value per Share		 $21.04 $21.41 $22.04 $22.92 $22.88 $23.20 $23.74 $24.47 $25.03 $25.51 $25.96
Total Capital		 784 510 515 524 523 517 595 581 753 634 608
Total Debt		 445 165 165 165 165 165 240 220 388 271 241
Total Long-Term Debt		 445 165 165 165 165 165 240 220 388 271 241
Net Debt		 367 46 -19 32 65 5.59 110 125 253 114 98
Capital Expenditures (CapEx)		 -20 -4.15 0.42 0.12 0.28 0.39 0.45 0.24 0.42 -0.44 0.05
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)		 445 165 165 165 165 165 240 220 388 271 241
Total Depreciation and Amortization (D&A)		 1.83 1.76 1.00 1.73 1.17 1.40 1.34 0.43 1.74 0.93 0.83
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.44 $0.64 $0.72 $0.75 $0.73 $0.66 $0.78 $0.73 $0.97 $0.96 $0.77
Adjusted Weighted Average Basic Shares Outstanding		 14.71M 14.51M 14.30M 14.19M 14.28M 13.82M 13.56M 13.36M 13.50M 12.99M 12.85M
Adjusted Diluted Earnings per Share		 $0.43 $0.64 $0.71 $0.74 $0.73 $0.65 $0.78 $0.72 $0.96 $0.96 $0.77
Adjusted Weighted Average Diluted Shares Outstanding		 14.74M 14.55M 14.38M 14.34M 14.40M 13.92M 13.64M 13.47M 13.59M 13.10M 12.96M
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		 14.79M 0.00 0.00 0.00 13.96M 0.00 0.00 0.00 13.19M 13.08M 12.96M
Normalized Net Operating Profit after Tax (NOPAT)		 6.29 9.33 10 11 10 9.10 11 9.70 13 13 9.92
Normalized NOPAT Margin		 17.51% 25.01% 27.15% 27.48% 27.37% 24.76% 27.12% 24.23% 32.82% 32.45% 25.45%
Pre Tax Income Margin		 22.98% 33.92% 37.58% 37.35% 33.27% 33.37% 36.32% 31.73% 43.62% 43.36% 34.06%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.56 1.04 1.06 1.04 0.98 1.09 1.18 1.06 1.51 1.58 1.26
NOPAT to Interest Expense		 0.43 0.76 0.77 0.76 0.81 0.80 0.88 0.81 1.14 1.18 0.94
EBIT Less CapEx to Interest Expense		 1.91 1.37 1.03 1.03 0.96 1.06 1.14 1.04 1.47 1.62 1.26
NOPAT Less CapEx to Interest Expense		 1.79 1.10 0.74 0.75 0.79 0.77 0.84 0.79 1.10 1.22 0.94
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 39.36% 38.44% 37.77% 37.09% 33.61% 34.10% 34.03% 34.68% 32.45% 29.85% 30.21%
Augmented Payout Ratio		 64.85% 65.58% 64.25% 61.16% 72.67% 100.26% 100.36% 113.86% 107.65% 89.87% 93.41%

Financials Breakdown Chart

Key Financial Trends

Sierra Bancorp’s latest financial statements show a generally stable banking franchise, with long-term growth in loans, assets and shareholders’ equity. However, second-quarter 2026 earnings softened sequentially and year over year as credit-loss provisions increased and cash declined due to shareholder returns and other financing outflows.

  • Loan growth remains a key strength. Net loans reached $2.72 billion at June 30, 2026, up from $2.53 billion in Q2 2024 and $2.07 billion in Q2 2023. The loan portfolio has expanded meaningfully over the past several years, supporting recurring interest income.
  • Capital and equity have improved over the longer term. Total common equity increased to $366.9 million in Q2 2026 from $350.0 million in Q2 2024 and $309.6 million in Q2 2023. Retained earnings have also risen steadily, while accumulated other comprehensive losses have narrowed.
  • Net interest income has held up despite changing interest-rate conditions. Q2 2026 net interest income was $30.4 million, compared with $30.7 million in Q2 2025 and $30.2 million in Q2 2024. It was still well above the $28.3 million reported in Q2 2023.
  • Non-interest income remains a useful earnings supplement. Q2 2026 non-interest income was $8.6 million, roughly unchanged from Q2 2025 and above Q2 2024. Service charges contributed $6.8 million, while investment gains added $1.4 million during the quarter.
  • Operating expenses improved year over year. Non-interest expense declined to $23.5 million in Q2 2026 from $23.8 million in Q2 2025, helped by lower salaries and other operating expenses. This provided some offset to weaker revenue and higher credit provisions.
  • Shareholder distributions remain substantial. Sierra Bancorp paid $3.4 million in dividends and repurchased $5.0 million of common stock during Q2 2026. These actions can support per-share value over time, provided capital remains adequate.
  • Operating cash flow was positive but volatile. Cash from operating activities totaled $5.5 million in Q2 2026, compared with negative $35.9 million in Q2 2025 and $14.0 million in Q4 2025. The improvement is encouraging, but quarterly banking cash flows can be heavily influenced by deposit and securities activity.
  • Deposits were broadly stable in the latest quarter. Total deposits increased by approximately $5.2 million during Q2 2026, as interest-bearing deposits rose while non-interest-bearing deposits declined modestly. Deposit stability supports liquidity, although the mix may affect funding costs.
  • Quarterly profitability declined. Net income fell to $9.9 million, or $0.77 per diluted share, from $12.5 million, or $0.96 per share, in Q1 2026. Net income was also below the $10.6 million reported in Q2 2025, although earnings per share remain above the levels reported in 2023 and 2024.
  • Credit costs increased materially. The provision for credit losses rose to $2.2 million in Q2 2026 from $77,000 in Q1 2026 and $1.2 million in Q2 2025. The allowance for loan and lease losses also increased to $23.6 million from $21.3 million at the end of Q1, indicating that investors should monitor asset quality and future provisioning trends.

Overall, Sierra Bancorp continues to benefit from a larger loan base, improving equity and relatively steady core revenue. The primary near-term risks are rising credit costs, margin pressure from funding expenses and continued cash use for buybacks, dividends and debt repayment. The next several quarters will be important for determining whether Q2’s earnings decline was temporary or the beginning of a broader slowdown.

10/05/26 07:27 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 fiscal year ends in December. Their fiscal 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. Check out Sierra Bancorp's forecast to explore projected trends and price targets.

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%.

In the past 13 quarters, Sierra Bancorp's cash and equivalents has ranged from $70.91 million in Q1 2024 to $112.91 million in Q2 2025, and is currently $107.58 million as of their latest financial filing in Q2 2026.

Sierra Bancorp had total debt of $388.20 million at the end of 2025, a 134.9% increase from 2024, and a 258.7% increase since 2015.

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 7/31/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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