Zacks Investment Research·Jun 18, 2026
Implied Volatility Surging for Sierra Bancorp Stock OptionsInvestors need to pay close attention to BSRR stock based on the movements in the options market lately.
Sierra Bancorp(BSRR)Earnings, Financials & Key Ratios
BSRR•NASDAQ•Banking & Credit
$41.68
13.4× P/E·Price updated Jul 2, 2026
AboutSierra Bancorp operates as the bank holding company for Bank of the Sierra that provides retail and commercial banking services to individuals and businesses in California. The company accepts various deposit products, such as checking accounts, savings accounts, money market demand accounts, time deposits, retirement accounts, and sweep accounts. Its loan products include agricultural, commercial, consumer, real estate, construction, and mortgage loans. The company also offers automated teller machines; electronic point-of-sale payment alternatives; online and automated telephone banking services; and remote deposit capture and automated payroll services for business customers. As of December 31, 2021, it operated 35 full-service branches, an online branch, a loan production office, an agricultural credit center, and an SBA center. Sierra Bancorp was founded in 1977 and is headquartered in Porterville, California.Show more
- Net Interest Income$125M+3.9%
- Total Revenue$202M+5.7%
- Net Income$42M+4.4%
- Return on Equity11.72%+0.5%
- Net Interest Margin3.26%-2.0%
- Efficiency Ratio45.96%+9.6%
- ROA1.14%+3.0%
- Equity / Assets9.53%-3.6%
- Book Value per Share26.84+8.1%
BSRR Price & Volume
Sierra Bancorp (BSRR) stock price & volume — 10-year historical chart
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Stagnant Net Interest Margins Constrain Growth Potential
Investment Thesis • Updated 2026Q1
VerdictNeutral
Growth:Mixed
Profitability:Moderate
Financial:Healthy
Cash Flow:Mixed
Primary Risk:Regional agricultural credit concentration
Key Thesis Takeaways
- Sierra Bancorp maintains a conservative balance sheet with an equity-to-assets ratio of 0.10, yet faces significant headwinds from a stubbornly flat 0.8% net interest margin.
- While the bank demonstrates operational discipline with a 44.4% efficiency ratio, its heavy reliance on a $3.3 billion investment securities portfolio creates potential duration risk in a volatile rate environment.
- Investors should monitor the bank's exposure to regional agricultural cycles, as evidenced by the significant quarterly fluctuations in loan loss provisions.
Verdict Logic
while the bank maintains a robust equity-to-assets ratio of 0.10, the lack of margin expansion and the 2.19 PEG ratio suggest limited upside potential at the current valuation.
BSRR Growth Metrics
Sierra Bancorp (BSRR) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years10.07%
5 Years9.72%
3 Years12.33%
TTM-
Profit CAGR
10 Years8.89%
5 Years3.61%
3 Years7.94%
TTM13.43%
EPS CAGR
10 Years8.87%
5 Years6.04%
3 Years11.56%
TTM21.63%
Return on Capital
10 Years10.88%
5 Years10.01%
3 Years9.16%
Last Year9.3%
BSRR Recent Earnings
Sierra Bancorp (BSRR) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 8/12 qtrs (73%)●Beat Revenue 1/12 qtrs (9%)
Q2 2026Latest
Apr 27, 2026Metric
Actual
Est
EPS
$0.96+17.1%
$0.82
Rev
$39M-2.8%
$40M
Q1 2026
Feb 2, 2026Metric
Actual
Est
EPS
$0.97+14.1%
$0.85
Rev
$39M-1.9%
$40M
Q4 2025
Oct 27, 2025Metric
Actual
Est
EPS
$0.72-8.9%
$0.79
Rev
$38M-5.8%
$40M
Q3 2025
Jul 28, 2025Metric
Actual
Est
EPS
$0.78+5.4%
$0.74
Rev
$37M-5.9%
$39M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 27, 2026 | $0.96vs $0.82+17.1% | $39Mvs $40M-2.8% |
| Q1 2026 | Feb 2, 2026 | $0.97vs $0.85+14.1% | $39Mvs $40M-1.9% |
| Q4 2025 | Oct 27, 2025 | $0.72vs $0.79-8.9% | $38Mvs $40M-5.8% |
| Q3 2025 | Jul 28, 2025 | $0.78vs $0.74+5.4% | $37Mvs $39M-5.9% |
Based on last 12 quarters of dataView full earnings history →
Latest BSRR News
Recent stock market news and headlines for Sierra Bancorp (BSRR)
Peers Comparison
Key metrics vs top competitors for Sierra Bancorp (BSRR)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $41.68 | $545.14M | 13.40 | 5.67% | 20.96% | 11.72% | 2.42% | |
| $23.11 | $3.14B | 15.20 | -2.33% | 32.4% | 9.16% | — | |
| $39.04 | $2.88B | 14.84 | -1.58% | 18.26% | 8.36% | — | |
| $67.83 | $2.3B | 12.03 | -0.95% | 24.82% | 10.66% | — | |
| $33.18 | $987.65M | 13.22 | 3.55% | 18.42% | 10.31% | — | |
| $35.45 | $5.08B | 20.03 | 11.71% | 31.14% | 14.2% | — |
Compare BSRR vs Peers
Sierra Bancorp (BSRR) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
BSRR SEC Filings & Documents
Sierra Bancorp (BSRR) SEC filings — annual & quarterly reports (10-K, 10-Q)
8-K Announcements
6Material company update
May 21, 2026·SEC
Material company update
May 4, 2026·SEC
Material company update
Apr 27, 2026·SEC
10-K Annual Reports
310-Q Quarterly Reports
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BSRR Frequently Asked Questions
Sierra Bancorp (BSRR) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is Sierra Bancorp growing?
Sierra Bancorp (BSRR) grew revenue by 5.7% over the past year. This is steady growth.
Is BSRR profitable?
Yes, Sierra Bancorp (BSRR) is profitable, generating $45.7M in net income for fiscal year 2025 (21.0% net margin).
Dividend & Returns
Does BSRR pay dividends?
Yes, Sierra Bancorp (BSRR) pays a dividend with a yield of 2.42%. This makes it attractive for income-focused investors.
What is BSRR's return on equity?
Sierra Bancorp (BSRR) has a return on equity (ROE) of 11.7%. This is reasonable for most industries.
Industry Metrics
What is Sierra Bancorp's net interest margin?
Sierra Bancorp (BSRR) has a net interest margin (NIM) of 3.3%. This indicates healthy earnings from lending activities.
What is Sierra Bancorp's efficiency ratio?
Sierra Bancorp (BSRR) has an efficiency ratio of 46.0%. This is excellent, indicating strong cost control.