Loading…

Sierra BancorpBSRRCompetitor analysis, valuation and peers

United States · USD·Financials›Regional Banks
Momentum strong 69
Mkt cap
$537M
US dollars, full cap
Free float
88%
of shares outstanding
$/day
$3.94M
20-day average traded
P/B
1.48×
price to book
ROE
14.0%
delivered
Implied ROE
11.4%
what the price asks
Next earnings
87 days
1 Feb 2027
Close · USD$41.42
1D-1.3%
1W-1.1%
1M+4.3%
3M+4.0%
6M+9.1%
YTD+26.7%
1Y+38.4%
ATR %2.8%
Beta0.36
52w lowhigh5.9% off high

What Sierra Bancorp does

Employees: 469

Sierra Bancorp at a glance

Size Sierra Bancorp (BSRR) is a United States Financials company (Regional Banks) with a market value of $537M, the 2643rd largest of 3,117 United States companies the cockpit tracks. Shares closed at $41.42 on 6 Nov 2026.

Performance Over six months the shares gained 9.1%, against +12.6% for the median peer and -1.1% for the United States market (cap-weighted) — 8th lowest of 21 in its peer set.

Growth Revenue fell 1.5% over the last twelve months (peer median +9.4%); the operating margin is 42.7% (peer median 38.0%).

Valuation It trades at 1.48× book value against a peer median of 1.21× (7th most expensive of 21).

Price implies The share price implies a return on equity of about 11.4%; Sierra Bancorp delivers 14.0%, so the price asks less than the business earns today.

Short interest Short interest is 3.0% of the free float (15 Oct 2026).

Next results Next results expected around 1 Feb 2027 (exchange calendar; dates can move).

Relative performance

10011011 May 202611 Aug 20266 Nov 2026Peer median 114BSRR 110
Six months, rebased to 100: Sierra Bancorp against the median of its 20 peers (local-currency closes).

Sierra Bancorp financials

Reported figures in USD; fiscal year ends 2025-12-31. TTM = trailing twelve months.
TTMFY2025FY2024FY2023FY2022
Revenue$199M$202M$200M$193M$152M
Revenue growth—+1%+4%+27%—
Net income$50.6M$42.3M$40.6M$34.8M$33.7M
Free cash flow$50.7M$32.2M$56.0M$51.8M$32.3M
Capital expenditure$1.34M$16.7M$1.43M$1.54M$1.30M
Total debt$251M$519M$298M$575M$420M

Quarterly statements and history in the cockpit →

Sierra Bancorp competitor charts

The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.

Performance: 6-month against 1-month return

0%+20%-20%-10%0%+10%OBTNPBCOFS8550NRIMWTBACBANBSVNMORROWBWFGSFSTBWBUNTYCZNCFMAOCIVB8395FRBADABBSRR6-month return →1-month return →
Up and to the right = strong over both horizons. Sierra Bancorp is the large dot.

Fundamentals: return on equity against price-to-book

7.5%10%12.5%15%17.5%10×1.50×20×OBTNPBCOFS8550NRIMWTBACBANBSVNMORROWBWFGSFSTUNTYCZNCFMAOCIVB8395FRBAMYSDABBSRRReturn on equity →Price / book →
A bank or insurer earning more on its equity usually trades at a higher multiple of book; points far above the trend are priced for more. Sierra Bancorp is the large dot.

Capital: ROE delivered against the ROE the price implies

5%10%15%5%10%15%OBTNPBCOFS8550NRIMWTBACBANBSVNMORROWBWFGSFSTUNTYCZNCFMAO8395FRBAMYSDABBSRRROE delivered →ROE the price implies →
Above the diagonal = the price asks for a higher return on equity than the business earns today. Sierra Bancorp is the large dot.

Sierra Bancorp competitors and peer comparison

How Sierra Bancorp compares with its peers

Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.

Sierra Bancorp against its 20 peers (data as of 6 Nov 2026)
MeasureBSRRPeer medianRank in peer set
1-month return+4.3%+4.3%11th highest of 21
6-month return+9.1%+12.6%8th lowest of 21
Return on equity14.0%11.4%7th highest of 21
Price / book1.48×1.21×7th most expensive of 21
Trailing P/E10.7×11.3×10th cheapest of 21
ROE the price implies11.4%8.9%4th most demanding of 21
ROE delivered14.0%11.4%7th highest of 21

Peer table

Peer set: Industry: the same industry and sector in any market, nearest in size
CompanyMarketMarket cap6M returnRevenue growthROEPrice / bookImplied ROEDelivered ROE
Sierra Bancorp BSRRUnited States$537M+9%-1%14%1.48×11.4%14.0%
Orange County Bancorp OBTUnited States$530M+14%+3%17%1.71×9.6%17.2%
Northpointe Bancshares NPBUnited States$545M-11%+14%13%0.87×5.9%13.1%
ChoiceOne Financial Services COFSUnited States$547M+17%+19%12%1.17×8.8%11.9%
Tochigi Bank 8550.TJapan$527M-17%+26%5%0.50×5.9%5.4%
Northrim BanCorp NRIMUnited States$523M-5%+3%17%1.47×12.6%16.6%
West Bancorporation WTBAUnited States$520M+27%0%15%1.92×13.1%15.5%
Colony Bankcorp CBANUnited States$555M+2%+21%11%1.10×8.1%10.8%
Bank7 BSVNUnited States$556M+33%-1%16%2.03×14.5%16.0%
Morrow Bank MORROW.STSweden$518M+30%+4%11%1.57×5.7%11.4%
Bankwell Financial BWFGUnited States$559M+34%+10%14%1.67×10.9%14.3%
Southern First Bancshares SFSTUnited States$563M+5%+9%11%1.22×9.7%10.5%
Bridgewater Bancshares BWBUnited States$568M+10%+10%12%1.19×9.0%11.5%
Unity Bancorp UNTYUnited States$575M+7%+10%17%1.48×10.4%17.1%
Citizens & Northern CZNCUnited States$501M+29%+25%11%1.46×8.5%11.0%
Farmers & Merchants Bancorp FMAOUnited States$500M+31%+7%11%1.29×10.3%11.3%
Civista Bancshares CIVBUnited States$587M+13%+5%11%1.06×8.4%10.9%
Bank of Saga 8395.TJapan$589M+10%+16%8%0.72×5.2%8.2%
First Bank FRBAUnited States$488M+30%+1%10%1.06×7.8%9.6%
Mystate MYS.AXAustralia$591M+12%+27%8%1.12×10.2%7.5%
Danske Andelskassers Bank A/S DAB.CODenmark$484M-8%-7%8%1.10×4.8%7.7%

Questions

Which companies are Sierra Bancorp's closest peers?
The cockpit's peer set: Orange County Bancorp (OBT), Northpointe Bancshares (NPB), ChoiceOne Financial Services (COFS), Tochigi Bank (8550.T), Northrim BanCorp (NRIM), West Bancorporation (WTBA), Colony Bankcorp (CBAN), Bank7 (BSVN).
Is Sierra Bancorp expensive compared with its peers?
On price / book it trades at 1.48× against a peer median of 1.21×, 7th most expensive of 21 in its peer set. The share price implies a return on equity of about 11.4%; Sierra Bancorp delivers 14.0%, so the price asks less than the business earns today.
How has Sierra Bancorp stock performed?
Over six months to 6 Nov 2026 the shares returned +9.1% against +12.6% for the median peer; over one year +38.4%.

How these numbers are made. Returns are close-to-close in local currency. Revenue growth and margins are trailing twelve months. Req g is the revenue growth that today's enterprise value requires for seven years at the company's own cost of capital; Delivered g is what it actually grew; the gap is the hurdle (honest precision about ±8 points, so read the ranking more than the decimal). No fair values, price targets or analyst ratings are shown, by design. Method and validation.