Stocks · Financial Services · Banks - Regional
Sierra Bancorp BSRR
$39.76 +1.43% Close, Oct 2, 2026 · NASDAQ · Market cap $520.0M
Strong trend
Next earnings report: Oct 26, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- The shares trade at 11.7× trailing earnings, higher than 90% of the company's own readings over the past five years.
- The stock is in an uptrend: above its 200-day average for 218 trading days, with the 50-day average above the 200-day.
- The diluted share count fell 5.4% in a year, mainly through buybacks.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 44%
- EPS growth (TTM, YoY)Bottom 48%
- FCF growth (TTM, YoY)Bottom 23%
- Revenue growth, 3-year CAGRBottom 39%
- Revenue growth accelerationTop 45%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 27%
- Gross marginTop 25%
- Operating marginTop 28%
- Cash conversion (OCF / net income)Bottom 39%
- Accruals (lower is better)Bottom 36%
- Net debt / EBITDA (lower is better)Top 47%
- Interest coverTop 40%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 30%
- Free-cash-flow yieldTop 45%
- EBITDA / enterprise valueTop 25%
- Sales / enterprise valueTop 44%
- P/E vs own 5-year history (lower is better)Bottom 14%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 12%
- 6-month returnTop 25%
- 1-year return vs S&P 500Top 13%
- Distance from 52-week highTop 39%
- Trend checklist (0–4)Top 48%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 37%
- Consecutive EPS beatsBottom 17%
- Share of analysts rating BuyBottom 7%
- Upside to consensus price targetBottom 9%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 25%
- Maximum drawdown, 3 yearsBottom 47%
- Beta vs S&P 500 (lower is better)Bottom 25%
- Net debt / EBITDA (lower is better)Top 47%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 4.6% | 4.8% | ↑ |
| EPS growth (YoY) | 21.6% | 18.0% | ↓ |
| Gross margin | 69.9% | 75.1% | ↑ |
| Operating margin | 28.2% | 30.1% | ↑ |
| FCF margin | 28.0% | 22.5% | ↓ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 4.8% | 4.6% | ↑ | Bottom 44% |
| EPS growth (TTM, YoY) | 18.0% | 21.6% | ↓ | Bottom 48% |
| Gross margin | 75.1% | 69.9% | ↑ | Top 25% |
| Operating margin | 30.1% | 28.2% | ↑ | Top 28% |
| Net margin | 22.6% | 21.4% | ↑ | — |
| Free-cash-flow margin | 22.5% | 28.0% | ↓ | — |
| Return on invested capital | 5.7% | — | Top 27% | |
| Revenue growth, 3-year CAGR | 12.3% | — | Bottom 39% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.01×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.0%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 1.1%
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 1.05×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 1.3×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 2.62%
- Net buyback yield (TTM)
- 5.25%
- Shareholder yield
- 7.87%
- Share count change, 1 year
- -5.4%
- Share count change, 3-year CAGR
- -4.1%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Jul 31, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 0
- Beats in the last 8 reports
- 4 of 8
- Average EPS surprise, last 4
- +2.2%
- Average 2-day reaction, last 8
- +0.2%
- Positive 20 days after report
- 7 of 8
Analysts
- Consensus price target
- $39.00
- Target vs current price
- -1.9%
- Analysts with a rating
- 9
- Share rating Buy or Strong Buy
- 11%
- Consensus rating
- Hold
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 27, 2026 | -13.7% | -1.7% | -2.7% | -4.7% | — |
| Apr 27, 2026 | +17.1% | +2.2% | +0.8% | +5.3% | +14.3% |
| Feb 2, 2026 | +14.1% | +4.9% | +7.0% | +2.1% | +4.2% |
| Oct 27, 2025 | -8.9% | +1.1% | +5.4% | +9.9% | +33.4% |
| Jul 28, 2025 | +5.4% | +1.1% | -6.3% | +1.4% | -11.6% |
| Apr 28, 2025 | -1.5% | +0.6% | +4.2% | +3.2% | +20.2% |
| Jan 27, 2025 | +0.0% | -0.1% | +1.3% | +0.0% | -11.1% |
| Oct 21, 2024 | +1.4% | -6.8% | -5.9% | +5.3% | -0.6% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 27, 2026 | $0.77 | $0.89 | -13.7% | $39.0M |
| Apr 27, 2026 | $0.96 | $0.82 | +17.1% | $38.6M |
| Feb 2, 2026 | $0.97 | $0.85 | +14.1% | $39.3M |
| Oct 27, 2025 | $0.72 | $0.79 | -8.9% | $37.7M |
| Jul 28, 2025 | $0.78 | $0.74 | +5.4% | $37.0M |
| Apr 28, 2025 | $0.65 | $0.66 | -1.5% | $34.6M |
| Jan 27, 2025 | $0.72 | $0.72 | +0.0% | $44.6M |
| Oct 21, 2024 | $0.74 | $0.73 | +1.4% | $36.2M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 11.7× | 9.3× | 90th | Top 30% |
| P/E (forward) | 11.2× | — | — | — |
| EV / EBITDA | 9.4× | — | — | Top 25% |
| EV / Sales | 2.94× | — | — | Top 44% |
| Free-cash-flow yield | 8.61% | — | — | Top 45% |
| Earnings yield | 8.58% | — | — | Top 30% |
P/E over the past five years
Range 6.8× – 12.6× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +38.7%
- Earnings per share growth (TTM)
- +18.0%
- Change in P/E multiple
- +20.8%
Most of the move came from a change in the valuation multiple.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 218
- 50-day average slope (20 days)
- -1.1%
- 200-day average slope (20 days)
- +2.4%
- Distance from 50-day average
- -1.3%
- Distance from 200-day average
- +5.8%
- RSI (14)
- 47.2
- Relative volume
- 0.83×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 15.9%
- Volatility vs own 5-year history
- 0th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.93
- Correlation with S&P 500
- 0.51
- Current drawdown from 1-year high
- -7.2%
- Maximum drawdown, 3 years
- -29.7%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Jan 7, 2022 | May 16, 2023 | -46.3% | 339 days | 297 days (Jul 23, 2024) |
| Nov 6, 2024 | Apr 11, 2025 | -29.7% | 106 days | 191 days (Jan 15, 2026) |
| Mar 12, 2021 | Sep 21, 2021 | -20.5% | 133 days | 76 days (Jan 7, 2022) |
| Jan 14, 2021 | Feb 1, 2021 | -17.1% | 11 days | 23 days (Mar 5, 2021) |
| Feb 17, 2026 | Mar 18, 2026 | -15.3% | 21 days | 44 days (May 20, 2026) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $520.0M
- P/E (TTM)
- 11.7
- EPS, diluted (TTM)
- $3.41
- Revenue (TTM)
- $199.0M
- Dividend yield
- 2.62%
- 52-week range
- $26.49 – $43.13
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $131.4M | $142.5M | $168.9M | $191.1M | $202.0M |
| Gross profit | $131.0M | $119.7M | $114.5M | $134.0M | $149.2M |
| Operating income | $57.2M | $44.9M | $46.5M | $53.9M | $56.4M |
| Net income | $43.0M | $33.7M | $34.8M | $40.6M | $42.3M |
| EPS (diluted) | $2.80 | $2.24 | $2.36 | $2.82 | $3.11 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $50.3M | $44.6M | $46.0M | $49.0M | $49.7M | $50.6M | $49.2M | $49.5M |
| Net income | $10.6M | $10.4M | $9.1M | $10.6M | $9.7M | $12.9M | $12.5M | $9.9M |
| EPS (diluted) | $0.74 | $0.72 | $0.65 | $0.78 | $0.72 | $0.97 | $0.96 | $0.76 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $52.7M | $33.6M | $53.2M | $57.2M | $33.7M |
| Capital expenditure | -$371,000 | -$1.3M | -$1.4M | -$1.2M | -$1.5M |
| Free cash flow | $52.3M | $32.3M | $51.8M | $56.0M | $32.2M |
| Dividends paid | -$13.2M | -$13.9M | -$13.7M | -$13.6M | -$13.7M |
| Net share buybacks | -$5.2M | -$5.2M | -$8.9M | -$14.4M | -$31.0M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $1.04B
- Total assets
- $3.72B
- Total liabilities
- $3.35B
- Total debt
- $208.0M
- Net debt
- $65.3M
- Shareholders’ equity
- $366.9M
As of Jun 30, 2026 (filed Jul 31, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Aug 3, 2026 | $0.27 | Aug 10, 2026 |
| May 4, 2026 | $0.26 | May 11, 2026 |
| Feb 9, 2026 | $0.26 | Feb 17, 2026 |
| Nov 3, 2025 | $0.25 | Nov 14, 2025 |
| Aug 4, 2025 | $0.25 | Aug 14, 2025 |
| May 5, 2025 | $0.25 | May 15, 2025 |
| Feb 3, 2025 | $0.25 | Feb 14, 2025 |
| Oct 31, 2024 | $0.24 | Nov 12, 2024 |
Short interest
- Shares sold short
- 434,821
- Days to cover
- 8.95
- Change vs previous report
- +1.9%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Nov 17, 1997
- 2-for-1
- Oct 7, 1996
- 2-for-1
- Jul 18, 1994
- 3-for-1