Market cap
$516 Mln
Revenue (TTM)
$199 Mln
P/E Ratio
11.7
P/B Ratio
1.4
Div. Yield
2.6 %
Key Ratios and Highlights
| Growth Score (%) | Quarterly | Annual (TTM) | |||
|---|---|---|---|---|---|
| Particulars | QoQ | YoY | 1-Year | 3-Years | 5-Years |
| Revenue | 0.70 | 0.96 | 4.80 | 6.53 | 7.86 |
| EBIT | -20.61 | -6.74 | 11.89 | 8.27 | 1.36 |
| Net Profit | -20.77 | -6.71 | 10.64 | 8.03 | 1.35 |
| EPS | -20.35 | -1.35 | 17.38 | 12.36 | 4.39 |
| Book Value | -- | -- | 9.38 | 10.53 | 4.20 |
| Key Ratios (%) | Average | Annual (TTM) | |||
|---|---|---|---|---|---|
| Particulars | 3-Years | 5-Years | TTM | Dec-25 | Dec-24 |
| EBIT-Margin
| 27.87 | 31.73 | 30.09 | 27.92 | 28.18 |
| Net Margin
| -- | -- | 22.63 | -- | -- |
| Return on equity
| 11.42 | 7.70 | 12.31 | 11.72 | 11.67 |
| Return on Capital
| 5.08 | 3.80 | -- | 5.59 | 5.33 |
| Return on Assets
| 1.06 | 1.09 | 0.94 | 1.14 | 1.10 |
| Debt to Equity (x)
| -- | -- | 0.33 | 1.42 | 0.77 |
Profitability
ROCE
--
--
Earning before interest and taxes / (Average net worth + Average total Debt) * 100
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Sierra Bancorp (BSRR)
|
--
|
5.59
|
5.33
|
4.34
|
1.60
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
ROE
12.31
Higher than Peers by 2.44
Profit after tax / Average Net worth * 100
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Sierra Bancorp (BSRR)
|
12.31
|
11.72
|
11.67
|
10.86
|
1.88
|
|
Peer Median
|
9.87
|
--
|
--
|
--
|
--
|
ROA
0.94
Lower than Peers by 0.03
Profit after tax / Average Total assets * 100
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Sierra Bancorp (BSRR)
|
0.94
|
1.14
|
1.10
|
0.95
|
0.96
|
|
Peer Median
|
0.96
|
--
|
--
|
--
|
--
|
EBIT Margin
30.09
Higher than Peers by 9.30
Operating profit (EBIT) / Net Sales * 100
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Sierra Bancorp (BSRR)
|
30.09
|
27.92
|
28.18
|
27.51
|
31.52
|
|
Peer Median
|
20.79
|
--
|
--
|
--
|
--
|
Net Margin
22.63
Higher than Peers by 2.60
Net profit / Total Income (Net sales plus other income) * 100
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Sierra Bancorp (BSRR)
|
22.63
|
20.96
|
21.22
|
20.63
|
23.62
|
|
Peer Median
|
20.03
|
--
|
--
|
--
|
--
|
Cash Profit Margin
0.00
Higher than Peers by 0.00
(Net profit + Depreciation) / Gross Sales * 100
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Sierra Bancorp (BSRR)
|
0.00
|
--
|
--
|
--
|
--
|
|
Peer Median
|
0.00
|
--
|
--
|
--
|
--
|
Revenue Growth
4.80
Lower than Peers by 6.30
Year on year growth in net sales
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Sierra Bancorp (BSRR)
|
4.80
|
0.06
|
0.13
|
0.19
|
0.08
|
|
Peer Median
|
11.10
|
--
|
--
|
--
|
--
|
EBIT Growth
11.89
Higher than Peers by 23.38
Year on year growth in operating profit (EBIT)
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Sierra Bancorp (BSRR)
|
11.89
|
4.69
|
15.93
|
3.45
|
-21.48
|
|
Peer Median
|
-11.50
|
--
|
--
|
--
|
--
|
Net Profit Growth
10.64
Higher than Peers by 3.37
Year on year growth in profit after tax
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Sierra Bancorp (BSRR)
|
10.64
|
4.36
|
16.40
|
3.52
|
-21.75
|
|
Peer Median
|
7.27
|
--
|
--
|
--
|
--
|
EPS Growth
17.38
Higher than Peers by 11.59
Year on year growth in earnings per share
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Sierra Bancorp (BSRR)
|
17.38
|
0.12
|
0.19
|
0.06
|
-0.20
|
|
Peer Median
|
5.78
|
--
|
--
|
--
|
--
|
Book Value Growth
9.08
Higher than Peers by 0.31
Year on year growth in book value per share
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Sierra Bancorp (BSRR)
|
9.08
|
--
|
--
|
--
|
--
|
|
Peer Median
|
8.77
|
--
|
--
|
--
|
--
|
Solvency
Debt to Equity
0.33
Higher than Peers by 0.12
Total debt / Net worth
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Sierra Bancorp (BSRR)
|
0.33
|
1.42
|
0.77
|
1.63
|
1.36
|
|
Peer Median
|
0.21
|
--
|
--
|
--
|
--
|
Short term debt to equity ratio
0.33
--
(Short term borrowings / Net worth)
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Sierra Bancorp (BSRR)
|
0.33
|
0.97
|
0.30
|
1.15
|
1.08
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Current Ratio
0.34
Higher than Peers by 0.03
Current Assets / Current Liabilities and Provisions
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Sierra Bancorp (BSRR)
|
0.34
|
0.19
|
0.26
|
0.36
|
0.32
|
|
Peer Median
|
0.31
|
--
|
--
|
--
|
--
|
Quick Ratio
0.34
Lower than Peers by 0.02
(Current Assets - Inventory) / Current Liabilities and Provisions
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Sierra Bancorp (BSRR)
|
0.34
|
--
|
--
|
0.34
|
0.35
|
|
Peer Median
|
0.36
|
--
|
--
|
--
|
--
|
Interest Coverage
2.35
Higher than Peers by 0.60
Earning before interest and taxes (EBIT) / Interest Expenses
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Sierra Bancorp (BSRR)
|
2.35
|
1.21
|
1.03
|
0.92
|
3.68
|
|
Peer Median
|
1.75
|
--
|
--
|
--
|
--
|
Operating Efficiency
Debtors to sales
--
--
Debtors outstanding / Net Sales * 100
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Sierra Bancorp (BSRR)
|
--
|
7.02
|
8.37
|
12.04
|
12.88
|
|
Peer Median
|
6.90
|
--
|
--
|
--
|
--
|
Asset Turnover
0.04
Lower than Peers by 0.01
Sales / Average Total Assets
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Sierra Bancorp (BSRR)
|
0.04
|
0.05
|
0.05
|
0.05
|
0.04
|
|
Peer Median
|
0.05
|
--
|
--
|
--
|
--
|
Receivable days
--
--
Average Debtors / Sales * 365
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Sierra Bancorp (BSRR)
|
--
|
27.28
|
34.73
|
41.84
|
37.94
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Inventory Days
--
--
Average Inventory / Sales * 365
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Sierra Bancorp (BSRR)
|
--
|
--
|
372.56
|
-124.88
|
-2,917.39
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Payable days
--
--
Average Creditors / Cost of goods sold * 365
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Sierra Bancorp (BSRR)
|
--
|
--
|
--
|
19,094.14
|
45,061.61
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Cash Conversion Cycle
--
--
Receivable Days + Inventory Days - Payable Days
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Sierra Bancorp (BSRR)
|
--
|
--
|
--
|
-19,177.18
|
-47,941.06
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Valuation
Price / Earnings
11.72
Lower than Peers by 1.07
Current share price divided by earning per share in the last twelve months
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Sierra Bancorp (BSRR)
|
11.72
|
10.31
|
10.20
|
9.44
|
9.46
|
|
Peer Median
|
12.79
|
--
|
--
|
--
|
--
|
Price / Book Value
1.41
Higher than Peers by 0.09
Current share price divided by book value per share in the latest financial year
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Sierra Bancorp (BSRR)
|
1.41
|
1.20
|
1.16
|
0.97
|
1.05
|
|
Peer Median
|
1.32
|
--
|
--
|
--
|
--
|
Dividend Yield
2.61
Higher than Peers by 0.13
Dividend per share in the past twelve months divided by current share price
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Sierra Bancorp (BSRR)
|
2.61
|
--
|
--
|
--
|
--
|
|
Peer Median
|
2.48
|
--
|
--
|
--
|
--
|
EV/EBITDA
--
--
Enterprise Value (Current Market Capitalisation + Total Debt - Cash & Equivalents) / Earnings before interest, taxes, depreciation and taxes (EBITDA)
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Sierra Bancorp (BSRR)
|
--
|
5.93
|
-1.22
|
-4.35
|
-5.79
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Market Cap
516
Higher than Peers by 203
Current Share price multiplied by latest total number of shares outstanding
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Sierra Bancorp (BSRR)
|
516
|
--
|
--
|
--
|
--
|
|
Peer Median
|
314
|
--
|
--
|
--
|
--
|