BSRR
NEUTRAL
$34.61
Live
Sierra Bancorp · NASDAQ
Target $38.75
(+12.0%)
$23.53
52W Range
$38.6
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Apr 08, 2026
Market cap
$466.63M
P/E
11.13
ROE
11.7%
Profit margin
28.4%
Debt/Equity
N/A
Dividend yield
3.02%
AI Analysis
AI-powered fundamental assessment
Confidence
80%
BSRR shows neutral fundamentals based on deterministic rules. Financial strength is weak (F-Score 3/9). Mixed signals with both opportunities and risks present.
Key Strengths
Attractive valuation with P/E of 11.1
Undervalued vs Graham Number ($44.13)
Strong profitability (28.4% margin)
Key Risks
Weak financial trend (Piotroski F-Score: 3/9)
AI Fair Value Estimate
Based on comprehensive analysis
$91.74
+165.1% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
55
Moderate
75
60
60
30
50
AI Verdict
BSRR shows neutral fundamentals based on deterministic rules. Financial strength is weak (F-Score 3/9). Mixed signals with both opportunities and risks present.
Key drivers: Attractive valuation with P/E of 11.1, Undervalued vs Graham Number ($44.13), Weak financial trend (Piotroski F-Score: 3/9)
Confidence
60%
Value
75/100
Rule-based valuation (P/E + Graham).
Positives
- Trades at attractive 11.1x trailing earnings.
- Trades below Graham Number.
Watchpoints
No urgent risks highlighted.
Future
60/100
Rule-based growth outlook.
Positives
- Growth-implied value exceeds price.
Watchpoints
No urgent risks highlighted.
Past
60/100
Historical performance + price trend: Shares moved +54.5% over 5Y and +40.1% over 1Y.
Positives
- Healthy profit margin of 28.4%.
Watchpoints
No urgent risks highlighted.
Health
30/100
Balance sheet & liquidity (Z-Score: N/A).
Positives
- Insufficient data for clear positives.
Watchpoints
No urgent risks highlighted.
Dividend
50/100
Dividend policy fallback.
Positives
- Moderate dividend profile (Score: 50/100).
- Yield: 3.0%.
Watchpoints
No urgent risks highlighted.
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$34.61
Analyst Target
$38.75
Upside/Downside
+12.0%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for BSRR and closest competitors.
Updated 2026-04-07
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
BSRR
Sierra Bancorp
Primary
|
+54.5% | +134.1% | +40.1% | +22.7% | +3.3% | +2.0% |
|
BETR
Better Home & Finance Holding Company
Peer
|
-94.5% | -94.4% | +147.6% | +0.8% | -8.9% | -28.7% |
|
CHW
Calamos Global Dynamic Income Fund
Peer
|
+9.8% | +64.0% | +45.4% | +0.5% | -0.3% | +3.0% |
|
ACNB
ACNB Corporation
Peer
|
+69.7% | +57.1% | +18.8% | +5.0% | -11.1% | -2.1% |
|
CIVB
Civista Bancshares, Inc.
Peer
|
+18.0% | +58.8% | +26.2% | +14.0% | +4.9% | +3.0% |
BSR
Sierra Bancorp
Primary
5Y
+54.5%
3Y
+134.1%
1Y
+40.1%
6M
+22.7%
1M
+3.3%
1W
+2.0%
BET
Better Home & Finance Holding Company
Peer
5Y
-94.5%
3Y
-94.4%
1Y
+147.6%
6M
+0.8%
1M
-8.9%
1W
-28.7%
CHW
Calamos Global Dynamic Income Fund
Peer
5Y
+9.8%
3Y
+64.0%
1Y
+45.4%
6M
+0.5%
1M
-0.3%
1W
+3.0%
ACN
ACNB Corporation
Peer
5Y
+69.7%
3Y
+57.1%
1Y
+18.8%
6M
+5.0%
1M
-11.1%
1W
-2.1%
CIV
Civista Bancshares, Inc.
Peer
5Y
+18.0%
3Y
+58.8%
1Y
+26.2%
6M
+14.0%
1M
+4.9%
1W
+3.0%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
11.13
Forward P/E
9.17
PEG Ratio
N/A
P/B Ratio
1.24
P/S Ratio
3.13
EV/Revenue
5.85
EV/EBITDA
N/A
Market Cap
$466.63M
Profitability
Profit margins and return metrics
Profit Margin
28.37%
Operating Margin
42.68%
Gross Margin
N/A
ROE
11.72%
ROA
1.14%
Growth
Revenue and earnings growth rates
Revenue Growth
+13.2%
Earnings Growth
+32.3%
Q/Q Revenue Growth
+16.67%
Q/Q Earnings Growth
+24.4%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$10.41
Financial Statement Flow
Interactive flow visualization showing how money moves through the company Q4 2025
Revenue
$0.0B
Net Margin
34.7%
Total Assets
$3.8B
Liabilities
$3.5B
Equity
$0.4B
Debt/Equity
9.50x
Operating CF
$0.0B
CapEx
$-0.0B
Free Cash Flow
$0.0B
FCF Yield
97%
Quarterly Earnings History
EPS performance vs analyst estimates
2026-04-27
$N/A
2026-02-02
$0.97
+12.1% surprise
2025-10-27
$0.72
-8.2% surprise
2025-07-28
$0.78
+5.7% surprise
Financial Services Sector Comparison
Comparing BSRR against 245 companies in the Financial Services sector
(33 bullish, 106 neutral, 106 bearish)
P/E Ratio
11.13
This Stock
vs
27.96
Sector Avg
-60.2%
(Discount)
Return on Equity (ROE)
11.72%
This Stock
vs
-2.43%
Sector Avg
-582.1%
(Below Avg)
Profit Margin
28.37%
This Stock
vs
80.5%
Sector Avg
-64.8%
(Weaker)
Revenue Growth
13.2%
This Stock
vs
28.96%
Sector Avg
-54.4%
(Slower)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
BSRR
Sierra Bancorp
|
NEUTRAL | $466.63M | 11.13 | 11.7% | 28.4% | $34.61 | |
|
BETR
Better Home & Finance...
|
BEARISH | $468.33M | - | -% | -100.6% | $28.47 | Compare |
|
CHW
Calamos Global Dynamic Income Fund
|
BULLISH | $477.71M | 5.12 | 17.8% | 593.1% | $7.48 | Compare |
|
ACNB
ACNB Corporation
|
NEUTRAL | $482.69M | 12.91 | 10.2% | 25.3% | $46.48 | Compare |
|
CIVB
Civista Bancshares, Inc.
|
NEUTRAL | $486.94M | 8.89 | 9.9% | 27.3% | $23.47 | Compare |
BSRR
Sierra Bancorp
NEUTRAL
Mkt Cap
$467M
P/E
11.1
ROE
11.7%
Price
$34.61
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-02-17 | BERRA ALBERT L | Director | Option Exercise | 5,000 | $86,250 |
| 2026-02-13 | CASTLE JULIE G | Director | Sale | 250 | $9,380 |
| 2026-02-12 | OLAGUE MICHAEL W | Officer | Stock Award | 6,950 | - |
| 2026-02-12 | BOYLE HUGH F. | Officer | Stock Award | 5,368 | - |
| 2026-02-12 | COEN NATALIA M | Officer | Stock Award | 4,868 | - |
| 2026-02-12 | TREECE CHRISTOPHER G | Chief Financial Officer | Stock Award | 6,950 | - |
| 2026-02-12 | MCPHAILL KEVIN J | Chief Executive Officer | Stock Award | 13,204 | - |
| 2026-02-10 | MCPHAILL KEVIN J | Chief Executive Officer | Sale | 20,000 | $747,145 |
| 2026-02-10 | MCPHAILL KEVIN J | Chief Executive Officer | Option Exercise | 20,000 | $549,850 |
| 2026-02-05 | CASTLE JULIE G | Director | Sale | 750 | $28,450 |
| 2026-02-05 | HOLLY JAMES C | Director | Sale | 5,000 | $189,666 |
| 2026-02-05 | HOLLY JAMES C | Director | Option Exercise | 5,000 | $86,250 |
| 2026-01-15 | SCEARCY LYNDA | Director | Sale | 5,000 | $175,000 |
| 2026-01-15 | SCEARCY LYNDA | Director | Option Exercise | 5,000 | $141,050 |
| 2025-12-10 | ABUNDIS SUSAN M. | Director | Sale | 600 | $20,100 |
BERRA ALBERT L
Director
2026-02-17
5,000 shares
·
$86,250
CASTLE JULIE G
Director
2026-02-13
250 shares
·
$9,380
OLAGUE MICHAEL W
Officer
2026-02-12
6,950 shares
BOYLE HUGH F.
Officer
2026-02-12
5,368 shares
COEN NATALIA M
Officer
2026-02-12
4,868 shares
TREECE CHRISTOPHER G
Chief Financial Officer
2026-02-12
6,950 shares
MCPHAILL KEVIN J
Chief Executive Officer
2026-02-12
13,204 shares
MCPHAILL KEVIN J
Chief Executive Officer
2026-02-10
20,000 shares
·
$747,145
MCPHAILL KEVIN J
Chief Executive Officer
2026-02-10
20,000 shares
·
$549,850
CASTLE JULIE G
Director
2026-02-05
750 shares
·
$28,450
HOLLY JAMES C
Director
2026-02-05
5,000 shares
·
$189,666
HOLLY JAMES C
Director
2026-02-05
5,000 shares
·
$86,250
SCEARCY LYNDA
Director
2026-01-15
5,000 shares
·
$175,000
SCEARCY LYNDA
Director
2026-01-15
5,000 shares
·
$141,050
ABUNDIS SUSAN M.
Director
2025-12-10
600 shares
·
$20,100
Insider transactions can signal confidence or concerns about company prospects
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
HOLD
4 analysts
Piper Sandler
2026-04-02
Neutral
Neutral
DA Davidson
2026-02-03
Buy
Buy
Keefe, Bruyette & Woods
2025-10-29
Market Perform
Market Perform
DA Davidson
2025-10-28
Buy
Buy
Past News Coverage
Recent headlines mentioning BSRR from our newsroom.
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