Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
BSRR
BUYFLAGSierra Bancorp · Financial Services · United States · $548M · Avg Vol: $3M/d
Sierra Bancorp has strong momentum M74 and quality Q53 with a buyback on file, but value at V46 is below the calibrated floor, and insiders sold, so stage one fails.
COMPANY DESCRIPTION
Sierra Bancorp is a bank holding company for Bank of the Sierra, providing commercial, agricultural, and consumer banking services across California's Central Valley. It is a well-established regional bank with deep roots and a strong market presence in its specific California service areas, particularly catering to the agricultural sector. Sierra Bancorp is a prominent regional bank in California's Central Valley, known for its focus on local businesses and agricultural lending.
FINANCIAL SUMMARY (USD)
| Year | 2021 | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | — | 130.3M | 118.2M | 138.8M | 146.5M | 4.0% | 153.0M | 149.8M | 156.4M | 3.3% |
| EPS | 2.82 | 2.25 | 2.37 | 2.84 | 3.14 | 2.7% | 3.40 | 3.76 | 3.92 | 11.8% |
| Shares | — | 15.2M | 14.8M | 14.2M | 13.3M | -12.5% | 13.1M | — | — | — |
| Debt | — | 303.7M | 315.5M | 165.2M | 388.2M | 8.5% | 398.4M | — | — | — |
| Equity | — | 303.6M | 338.1M | 357.3M | 364.9M | 6.3% | — | — | — | — |
| Op CF | — | 33.6M | 53.2M | 57.2M | 33.7M | 0.1% | — | — | — | — |
| Inv CF | — | -481.0M | -83.7M | 141.2M | -183.5M | — | — | — | — | — |
| Fin CF | — | 267.0M | 31.9M | -176.3M | 184.8M | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of BSRR are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| BSRR | Sierra Bancorp(you) | $548M | 74 | BUY |
| GCBC | Greene County Bancorp, Inc. | $562M | 76 | BUY |
| KRNY | Kearny Financial Corp. | $592M | 73 | BUY |
| OBT | Orange County Bancorp, Inc. | $505M | 75 | BUY |
| UNTY | Unity Bancorp, Inc. | $583M | 72 | BUY |
| AROW | Arrow Financial Corporation | $611M | 76 | BUY |
| CBK | Commercial Bancgroup, Inc. | $454M | 74 | BUY |
| CBNK | Capital Bancorp, Inc. | $588M | 78 | BUY |
| RRBI | Red River Bancshares, Inc. | $655M | 76 | BUY |
| HBCP | Home Bancorp, Inc. | $552M | 80 | STRONG BUY |
Peer medians: ROE 9.4% · P/E 13.9x · Gross margin 100.0%