Sierra Bancorp (BSRR) Stock

Sierra Bancorp (BSRR) is a Financials stock trading at $39.89 (as of 2026-08-21), with a market capitalization of $517.11M and a trailing P/E of 11.5. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

Sierra Bancorp is the bank holding company for Bank of the Sierra, providing retail and commercial banking services to individuals and businesses in California. It offers deposit and loan products, along with branch banking services and digital options such as online/telephone banking, remote deposit capture, automated payroll, and electronic payment services.

Understand Sierra Bancorp: how it makes money

Sierra Bancorp is the bank holding company for Bank of the Sierra, providing retail and commercial banking in California, funded by customer deposits and earning money through its loan and deposit-based banking activities.

Bank profits are structurally driven by the size and momentum of the loan book (Gross Loans and New Credit Extended), and the funding mix from customers (Noninterest Demand Deposits and Noninterest-Bearing Deposits), supported by liquidity sources (Overall Primary and Secondary Liquidity Sources).

Business quality (Solid): Operational visibility is strong for core banking drivers like Gross Loans and noninterest deposits, but no reportable segment revenue breakdown is provided in the available data.

Valuation: At 12× earnings, BSRR trades in line with the Banking average (13×). Note: one-time items can distort reported P/E.

Bull case

  • Asset quality shows no observed stress: Past Due Loans is 0.0 USD_B.
  • Funding base includes noninterest deposits: Noninterest Demand Deposits are 1.03 USD_B, and Noninterest-Bearing Deposits are 1.0 USD_B.

Bear case

  • Loan growth momentum appears limited in the latest quarter: New Credit Extended is 0.01 USD_B.
  • Mortgage-related activity is a specific lever: Mortgage Warehouse Balances are 0.52 USD_B, and Mortgage Warehouse Utilization is 41.0 percent.
Valuation — source: SEC EDGAR (first-party)
Price$39.89
Market Cap$517.11M
P/E Ratio11.5
EV / EBITDA7.1
Price / Book1.41
Price / Sales3.85
FCF Yield8.6%
DCF Value (model)$42.83
DCF Upside vs Price7.4%
Profitability & Growth — source: SEC EDGAR
Revenue (TTM)$171.39M
Net Margin24.7%
Revenue Growth (YoY)-86.0%
EPS Growth (YoY)-1.3%
FCF Growth (YoY)-115.0%
Valuation vs Sector & Industry
Stock P/E11.5
Sector P/E (Financials)15.1
Industry P/E (Banking)13.0
vs Sector-23.9%
vs Industry-11.5%
Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional HolderBlackRock, Inc. ($42.23M)
Institutional Holders Tracked10
Company
SectorFinancials
IndustryBanking
CEOKevin J. McPhaill
Employees489
CountryUS
IPO Date1994-04-18

Related Companies (Business model: Universal / Commercial Bank; 8 closest by market cap; US-domiciled)

  • Civista Bancshares, Inc. (CIVB)
  • Flushing Financial Corporation (FFIC)
  • Bankwell Financial Group, Inc. (BWFG)
  • Orange County Bancorp, Inc. (OBT)
  • Bank7 Corp. (BSVN)
  • ChoiceOne Financial Services, Inc. (COFS)
  • West Bancorporation, Inc. (WTBA)
  • Commercial Bancgroup, Inc. Common Stock (CBK)
BSRR earnings history · BSRR institutional & insider holders · BSRR KPIs & operating metrics · BSRR financials · BSRR investor presentations & press releases · BSRR SEC filings · BSRR peers · Congress trades · Insider trades · Short interest · Stock screener

Data as of 2026-08-21.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.