Stocks › BSRR
Sierra Bancorp BSRR
US equityMarket cap rank #3617
$41.42 −$0.54 (-1.29%)
Market closed · Nov 6, 8:10 pm ET · Last extended-hours $41.42 0.00%
Open$41.96
Prev close$41.96
Day range$41.12 – $41.96
Volume76.6K
Market cap$537.07M
P/E (TTM)10.7
Dividend yield2.51%
Fundamentals
Latest reported quarter: Q3, ended Sep 2026
Revenue$38.11M+1.0% YoY
Net profit$15.28M+57.6% YoY
Diluted EPS$1.18+63.9% YoY
Free cash flow$20.73M+41.0% YoY
Operating cash flow$21.43M
Revenue, last 8 quarters
Net profit, last 8 quarters
Diluted EPS by quarter
Free cash flow by quarter
Annual revenue
Profitability & balance sheet
Net margin34.0%
Return on equity14.0%
Return on assets1.4%
Liabilities / assets90.2%
Cash & investments$138.31M
Total debt$137.70M
Net cash (debt)$605,000.00
Free cash flow / sales34.1%
Income statement
| Line item | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| Total Operating Revenue | $38.11M | $36.88M | $36.52M | $146.49M | $37.17M |
| Net Interest Income | $32.37M | $30.41M | $30.61M | $124.69M | $31.95M |
| -Interest Income | $42.92M | $40.94M | $41.20M | $171.39M | $43.28M |
| -Interest Expense | $10.55M | $10.53M | $10.59M | $46.70M | $11.33M |
| Non-Interest Income | $5.74M | $6.47M | $5.91M | $21.81M | $5.22M |
| -Fees and Commissions | $4.14M | $3.89M | $3.61M | $16.69M | $5.85M |
| -Dividend Income | $443,000.00 | – | $796,000.00 | $1.34M | $324,000.00 |
| -Other Non-Interest Income | $1.16M | $2.38M | $898,000.00 | $1.06M | -$3.56M |
| -Gain Loss on Sale of Assets | $0.00 | $203,000.00 | $602,000.00 | $120,000.00 | -$4,000.00 |
| Credit Losses Provision | $2.01M | -$2.19M | -$27,000.00 | -$6.10M | $865,000.00 |
| Non-Interest Expense | $20.34M | $21.41M | $19.76M | $84.00M | $20.85M |
| Occupancy and Equipment | $3.16M | $3.20M | $3.09M | $12.54M | $3.18M |
| Professional Expense and Contract Services Expense | $1.46M | $1.27M | $1.26M | $5.52M | $1.63M |
| Selling and Admin Expenses | $12.97M | $14.26M | $12.82M | $52.58M | $11.16M |
| -Selling & Marketing Expense | $317,000.00 | $338,000.00 | $333,000.00 | $1.53M | $370,000.00 |
| -General & Admin Expense | $12.66M | $13.92M | $12.48M | $51.06M | $10.79M |
| Other Non-Interest Expenses | $2.75M | $2.68M | $2.61M | $13.36M | $4.88M |
| Pretax Profit | $19.78M | $13.28M | $16.73M | $56.34M | $17.14M |
| Tax | $4.50M | $3.36M | $4.21M | $14.02M | $4.24M |
| Net Profit | $15.28M | $9.92M | $12.52M | $42.33M | $12.89M |
| Profit from Continuing Operations | $15.28M | $9.92M | $12.52M | $42.33M | $12.89M |
| Net Income to Parent Company | $15.28M | $9.92M | $12.52M | $42.33M | $12.89M |
| Net Income to Common Stockholders | $15.28M | $9.92M | $12.52M | $42.33M | $12.89M |
| Basic EPS | $1.19 | $0.77 | $0.96 | $3.14 | $0.97 |
| Diluted EPS | $1.18 | $0.77 | $0.96 | $3.11 | $0.97 |
| Dividend Per Share | $0.27 | $0.26 | $0.26 | $1.00 | $0.25 |
| -Total Premiums Earned | – | – | – | $2.61M | – |
| Other Income (Expense) | – | – | – | -$52,000.00 | – |
| Special Income (Charges) | – | – | – | -$52,000.00 | – |
| -Less:Other Special Charges | – | – | – | $52,000.00 | – |
Balance sheet
| Line item | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| Total Assets | $3.68B | $3.72B | $3.75B | $3.83B | $3.83B |
| Cash, Cash Equivalents & Federal Funds Sold | $138.31M | $142.70M | $156.37M | $135.63M | $135.63M |
| -Cash and Cash Equivalents | $138.31M | $142.70M | $156.37M | $135.63M | $135.63M |
| Securities Investment | $862.47M | $894.70M | $902.98M | $938.76M | $938.76M |
| -Available for Sale Securities | $153.59M | $156.70M | $158.23M | $178.59M | $178.59M |
| -Held to Maturity Securities | $277.58M | $281.55M | $287.58M | $290.81M | $290.81M |
| -Short Term Investments | $431.31M | $456.46M | $457.17M | $469.36M | $469.36M |
| Net Loan | $2.41B | $2.43B | $2.45B | $2.55B | $2.55B |
| -Gross Loan | $2.43B | $2.46B | $2.47B | $2.57B | $2.57B |
| -Allowance for Loans and Lease Losses | $21.65M | $23.60M | $21.25M | $21.48M | $21.48M |
| -Unearned Income | -$99,000.00 | -$146,000.00 | -$97,000.00 | -$35,000.00 | -$35,000.00 |
| Net PPE | $14.30M | $14.05M | $14.45M | $14.97M | $14.97M |
| Goodwill and Other Intangible Assets | $27.36M | $27.36M | $27.37M | $27.41M | $27.41M |
| -Goodwill | $27.36M | $27.36M | $27.36M | $27.36M | $27.36M |
| Bank-Owned Life Insurance | $70.49M | $70.08M | $68.69M | $69.28M | $69.28M |
| Foreclosed Assets | $0.00 | $0.00 | $0.00 | $1.57M | $1.57M |
| Other Assets | $155.41M | $139.26M | $139.06M | $38.71M | $38.71M |
| Total Liabilities | $3.31B | $3.35B | $3.39B | $3.46B | $3.46B |
| Total Deposits | $2.98B | $2.93B | $2.93B | $2.88B | $2.88B |
| Federal Funds Purchased and Securities Sold Under Agreement to Repurchase | $113.09M | $122.36M | $127.81M | $130.85M | $130.85M |
| Short-Term Debt and Capital Lease Obligation | $17.00M | $120.00M | $130.00M | $222.70M | $222.70M |
| -Current Debt | $17.00M | $120.00M | $130.00M | $222.70M | $222.70M |
| Long Term Debt and Capital Lease Obligation | $120.70M | $120.63M | $140.57M | $165.50M | $165.50M |
| -Long Term Debt | $120.70M | $120.63M | $140.57M | $165.50M | $165.50M |
| Non-Current Liabilities | $580,000.00 | $570,000.00 | $660,000.00 | $710,000.00 | $710,000.00 |
| Other Liabilities | $77.34M | $59.16M | $65.90M | $68.22M | $68.22M |
| Total Equity | $361.75M | $366.90M | $363.71M | $364.86M | $364.86M |
| Stockholders' Equity | $361.75M | $366.90M | $363.71M | $364.86M | $364.86M |
| Capital Stock | $102.71M | $102.60M | $103.02M | $103.39M | $103.39M |
| -Common Stock | $102.71M | $102.60M | $103.02M | $103.39M | $103.39M |
| Additional Paid-In Capital | $5.09M | $4.58M | $4.18M | $4.64M | $4.64M |
| Retained Earnings | $295.69M | $283.91M | $281.44M | $280.00M | $280.00M |
| Gains/Losses Not Affecting Retained Earnings | -$41.74M | -$24.20M | -$24.93M | -$23.17M | -$23.17M |
| -Other Intangible Assets | – | – | $13,000.00 | $52,000.00 | $52,000.00 |
| Long Term Equity Investment | – | – | – | $4.36M | $4.36M |
| Receivables | – | – | – | $14.17M | $14.17M |
| -Accounts Receivable | – | – | – | $14.17M | $14.17M |
| -Gross PPE | – | – | – | $46.29M | $46.29M |
| -Accumulated Depreciation | – | – | – | -$31.31M | -$31.31M |
| Federal Home Loan Bank Stock | – | – | – | $14.68M | $14.68M |
| Deferred Assets | – | – | – | $19.38M | $19.38M |
Cash flow
| Line item | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| Operating Cash Flow | $21.43M | $5.48M | $11.07M | $33.71M | $14.00M |
| Net cash flow from continuing operations | $21.43M | $5.48M | $11.07M | $33.71M | $14.00M |
| Net Income from Continuing Operations | $15.28M | $9.92M | $12.52M | $42.33M | $12.89M |
| Gain/Loss from Continuing Operations | $5.87M | $739,000.00 | $337,000.00 | $2.76M | $1.39M |
| Depreciation & Depletion & Amortization | $503,000.00 | $498,000.00 | $535,000.00 | $2.65M | $597,000.00 |
| Deferred Tax | -$159,000.00 | $1.23M | -$145,000.00 | -$105,000.00 | -$684,000.00 |
| Other Non-Cash Items | $23,000.00 | $22,000.00 | $23,000.00 | – | – |
| Change in Working Capital | $1.83M | -$9.19M | -$2.38M | -$21.31M | $355,000.00 |
| -Change in Receivables | -$15.83M | -$877,000.00 | $643,000.00 | $3.93M | $2.41M |
| -Change in Other Current Liabilities | $18.19M | -$6.51M | -$2.38M | -$22.63M | -$1.51M |
| -Change in Other Working Capital | -$533,000.00 | -$1.80M | -$642,000.00 | -$2.61M | -$539,000.00 |
| Net cash flow from investing | $36.13M | $19.02M | $93.39M | -$183.49M | -$79.57M |
| Net Cash Flow from Continuing Investing Activities | $36.13M | $19.02M | $93.39M | -$183.49M | -$79.57M |
| Net PPE Purchase and Sale | -$700,000.00 | -$46,000.00 | $435,000.00 | -$1.50M | -$420,000.00 |
| Net Investment Purchase and Sale | $9.13M | $8.19M | $10.99M | $57.66M | -$21.53M |
| Net Income from Loans | $27.58M | $10.79M | $79.76M | -$226.22M | -$57.69M |
| Net Other Investing Changes | $119,000.00 | $85,000.00 | $2.20M | -$13.43M | $73,000.00 |
| Financing Cash Flow | -$61.94M | -$38.18M | -$83.71M | $184.75M | $105.70M |
| Net Cash Flow from Continuing Financing Activities | -$61.94M | -$38.18M | -$83.71M | $184.75M | $105.70M |
| Change in Federal Funds and Securities Sold for Repurchase | -$202.28M | $74.55M | -$83.04M | $231.99M | $190.10M |
| Increase/Decrease in Deposit | $53.75M | $5.19M | $49.37M | -$15.23M | -$56.32M |
| Net Issuance Payments of Debt | $90.00M | -$110.00M | -$37.70M | $12.70M | -$17.30M |
| Net Common Stock Issuance | $0.00 | -$4.99M | -$9.92M | -$31.83M | -$7.52M |
| Cash Dividends Paid | -$3.50M | -$3.40M | -$3.43M | -$13.73M | -$3.39M |
| Proceeds from Stock Option Exercised | $84,000.00 | $466,000.00 | $1.02M | $854,000.00 | $126,000.00 |
| Ending Cash Balance | $138.31M | $142.70M | $156.37M | $135.63M | $135.63M |
| Net Change in Cash | -$4.39M | -$13.68M | $20.74M | $34.96M | $40.13M |
| Beginning Cash Balance | $142.70M | $156.37M | $135.63M | $100.66M | $95.50M |
| Free Cash Flow | $20.73M | $5.44M | $10.98M | $32.17M | $13.55M |
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