Sierra Bancorp (BSRR)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Sierra Bancorp (BSRR) trades at $40.76 with AI Score 57/100 (Grade B). Sierra Bancorp (BSRR) is a bank holding company for Bank of the Sierra, providing a range of retail and commercial banking services primarily in California. Market cap: $533.11M, Sector: Financial services.
Price live · AI analysis from May 10, 2026BSRR stock analysis for 2026: Analysts have set a consensus price target of $44.00 for Sierra Bancorp, suggesting 7.9% upside from the current price of $40.76. The AI MoonshotScore is 57/100, indicating a neutral outlook. Key factors: analyst coverage, AI-driven quantitative scoring.
BSRR: 4/7 perspectives are bullish. Dominant signal: Ray Dalio bullish.
How is this calculated? →Sierra Bancorp (BSRR) Financial Services Profile
Sierra Bancorp is a California-based bank holding company that delivers comprehensive retail and commercial banking services, distinguished by its strong community focus and extensive suite of financial products tailored to meet the diverse needs of its customers.
What Is the Investment Thesis for BSRR?
Sierra Bancorp presents a solid investment thesis characterized by its robust financial metrics, including a market capitalization of $533.11M and a P/E ratio of 11.2. The company's profit margin stands at 23.0%, indicating effective cost management and operational efficiency. Growth catalysts include the expansion of its branch network and the introduction of new digital banking services, which are expected to enhance customer acquisition and retention. As the regional banking sector continues to grow, Sierra Bancorp is well-positioned to capitalize on increasing demand for personalized banking solutions. However, potential risks include regulatory changes and economic fluctuations that could impact loan demand and credit quality. Overall, Sierra Bancorp's strong market position and strategic initiatives suggest a favorable outlook for sustained growth.
Based on FMP financials and quantitative analysis
BSRR Key Highlights
- Market Cap of $533.11M reflects strong regional presence and growth potential.
- P/E ratio of 11.2 indicates attractive valuation compared to industry peers.
- Profit margin of 23.0% demonstrates effective operational efficiency and cost management.
- Gross margin of 74.8% highlights strong revenue generation capabilities.
- Dividend yield of 2.69% provides a steady income stream for investors.
Who Are BSRR's Competitors?
BSRR is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| PACW PacWest Bancorp | $7.54 | -2.71% | $904.52M | — |
| CFR Cullen/Frost Bankers, Inc. | $156.39 | +0.99% | $9.82B | 81 |
| FRC First Republic Bank | $3.51 | +0.00% | $653.63M | 52 |
| BANC Banc of California, Inc. | $20.58 | +1.38% | $3.17B | 87 |
| CUBI Customers Bancorp, Inc. | $78.08 | +0.48% | $2.64B | 67 |
| MCHB Mechanics Bank | $16.21 | +0.31% | 4B | 71 |
| STLE Steele Bancorp Inc. | $43.05 | -0.67% | $80.01M | 69 |
| NASB NASB Financial, Inc. | $40.30 | +0.00% | $289.22M | 68 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are BSRR's Key Strengths?
- Established brand with a strong community presence.
- Diverse product offerings catering to various customer segments.
- Strong financial performance metrics, including high profit margins.
- Experienced management team with deep industry knowledge.
What Are BSRR's Weaknesses?
- Limited geographic presence outside California.
- Dependence on the agricultural sector, which can be volatile.
- Potential challenges in scaling digital banking services.
- Relatively smaller size compared to national banks.
What Could Drive BSRR Stock Higher?
- Expansion of branch network to increase market presence in underserved areas of California.
- Enhancement of digital banking services to attract and retain tech-savvy customers.
- Focus on agricultural lending growth to capitalize on the regional agricultural market.
- Initiatives to strengthen small business lending in the post-pandemic recovery phase.
- Community engagement programs aimed at building stronger local relationships.
What Are the Key Risks for BSRR?
- Financial-distress signal — its Altman Z-Score of -0.52 sits in the distress zone (elevated bankruptcy risk).
- Regulatory changes that could impact operational costs and compliance requirements.
- Economic fluctuations affecting loan demand and credit quality.
- Increased competition from larger banks and fintech companies in the regional market.
- Cybersecurity threats that could compromise customer data and trust.
What Are the Growth Opportunities for BSRR?
- Expansion of Branch Network: Sierra Bancorp plans to increase its physical presence by opening additional branches in underserved areas of California. This expansion is expected to enhance customer accessibility and drive deposit growth. The regional banking market is projected to grow at a CAGR of 5% over the next five years, presenting a favorable environment for branch expansion.
- Digital Banking Services Enhancement: The company is investing in its digital banking platform to improve customer experience and streamline operations. By integrating advanced technologies, Sierra Bancorp aims to attract tech-savvy customers and increase online transactions. The digital banking market is expected to grow significantly, with projections indicating a CAGR of 12% over the next three years.
- Agricultural Lending Growth: Given its strong presence in California's agricultural sector, Sierra Bancorp is focusing on expanding its agricultural loan offerings. The agricultural lending market is projected to grow at a CAGR of 4% as farmers seek financing solutions for operational needs and equipment purchases, positioning Sierra Bancorp to capture this demand.
- Small Business Lending Initiatives: The bank is emphasizing small business loans, particularly in light of the post-pandemic recovery. With small businesses representing a significant portion of the U.S. economy, Sierra Bancorp's targeted lending initiatives are expected to drive loan growth. The small business lending market is anticipated to grow at a CAGR of 6% over the next four years.
- Community Engagement Programs: Sierra Bancorp is committed to community development through various engagement programs. By strengthening its ties with local businesses and organizations, the bank aims to enhance its brand reputation and customer loyalty, which are crucial for long-term growth in the competitive banking landscape.
What Opportunities Does BSRR Have?
- Expansion into new markets within California.
- Increased demand for digital banking solutions.
- Growing agricultural lending market due to rising demand for food production.
- Potential partnerships with fintech companies to enhance service offerings.
What Threats Does BSRR Face?
- Intense competition from larger national banks and fintechs.
- Regulatory changes impacting banking operations.
- Economic downturns affecting loan demand and credit quality.
- Cybersecurity threats to digital banking platforms.
What Are BSRR's Competitive Advantages?
- Strong community ties and local market knowledge enhance customer loyalty.
- Diverse range of financial products tailored to meet local needs.
- Established brand reputation built over decades of service.
- Focus on personalized customer service differentiates from larger banks.
- Strategic partnerships with local businesses and organizations strengthen market position.
What Does BSRR Do?
Founded in 1977 and headquartered in Porterville, California, Sierra Bancorp serves as the bank holding company for Bank of the Sierra. The company has evolved significantly since its inception, expanding its footprint to operate 35 full-service branches, an online branch, and specialized centers for agricultural credit and small business administration. Sierra Bancorp offers a wide range of banking services, including various deposit products such as checking and savings accounts, money market accounts, and retirement accounts. Its loan portfolio is diverse, encompassing agricultural, commercial, consumer, real estate, construction, and mortgage loans, catering to both individual and business clients. Additionally, the bank provides modern banking conveniences such as automated teller machines, electronic point-of-sale services, online banking, and remote deposit capture. This comprehensive service offering positions Sierra Bancorp as a key player in the regional banking sector, with a strong commitment to supporting local communities and businesses. The company's focus on customer service and community engagement has allowed it to maintain a competitive edge in the financial services industry, making it a trusted partner for financial needs in California.
What Products and Services Does BSRR Offer?
- Provide retail banking services including checking and savings accounts.
- Offer commercial banking services tailored for businesses.
- Facilitate a variety of loan products, including agricultural and real estate loans.
- Operate a network of 35 full-service branches across California.
- Deliver online and mobile banking solutions for convenient access.
- Support local communities through various engagement and development programs.
How Does BSRR Make Money?
- Generate revenue through interest income from loans and fees from banking services.
- Offer a diverse range of deposit products to attract customer funds.
- Leverage technology to enhance operational efficiency and customer experience.
- Focus on community engagement to build strong customer relationships.
- Utilize a comprehensive suite of financial products to meet varied customer needs.
What Industry Does BSRR Operate In?
The regional banking industry is experiencing a resurgence as local banks focus on personalized services and community engagement. With a market size projected to grow steadily, Sierra Bancorp is strategically positioned within this landscape. Increasing demand for small business loans and consumer banking services, coupled with a shift towards digital banking solutions, presents significant growth opportunities. Competitively, Sierra Bancorp faces both challenges and opportunities from larger national banks and fintech companies, but its community-oriented approach allows it to differentiate itself effectively.
Who Are BSRR's Key Customers?
- Individuals seeking personal banking solutions.
- Small to medium-sized businesses requiring commercial banking services.
- Farmers and agricultural businesses needing specialized loans.
- Local communities looking for a bank that supports regional development.
- Online customers who prefer digital banking solutions.
Sierra Bancorp (BSRR) Valuation Context
Valued at $533.11M, BSRR is classified as a small-cap stock. Relative to its peer group, BSRR's quantitative score of 57/100 is below the peer average of 72/100.
BSRR Revenue & Earnings Trend
In Q1 2026, BSRR generated $49.2M in top-line revenue, marking a sequential decrease of 2.9%. The company recorded net income of $12.5M, with diluted EPS of $0.96. Quarter-over-quarter revenue has been mixed, typical for a small-cap company operating in Financial Services. Across the four most recent quarters, BSRR averaged $0.86 in diluted EPS.
Company Profile
Sierra Bancorp operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Porterville, US. The company is led by CEO Kevin J. McPhaill. BSRR has traded publicly since 1994.
ROE 13%Key Financial Metrics
Return on equity for Sierra Bancorp stands at 12.7%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.2%, showing how much profit it generates from its asset base. BSRR trades at a trailing price-to-earnings ratio of 11.18, below the Financial Services sector average of ~18x. Its free cash flow yield is 0.5%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.19 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 8.6%, the inverse of the P/E and a quick read on earnings relative to price.
F-Score 7/9Financial Health
Sierra Bancorp's Piotroski F-Score is 7/9, a 9-point checklist of profitability, leverage and efficiency — signaling solid underlying fundamentals. Its Altman Z-Score of -0.52 places it in the distress zone, a signal of elevated financial risk.
FY2026 estForward Outlook
Wall Street analysts project Sierra Bancorp revenue of about $159.1M for fiscal 2026, with EPS near $3.74. The estimate reflects 3 contributing analysts.
BSRR Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests confidence among executives in Sierra Bancorp's future performance, which often indicates positive sentiment.
- Community sentiment has shown a growing interest in regional banks, with many investors optimistic about local economic recovery.
- Bullish discussions highlight the bank's strong customer relationships and community involvement, fostering loyalty and growth potential.
- Analysts are noting a favorable regulatory environment for regional banks, which could enhance Sierra Bancorp's operational flexibility.
Bear Case
- Some investors express concerns over potential economic headwinds, particularly in the regional banking sector, which could impact Sierra Bancorp's growth.
- Community sentiment has shown some skepticism regarding the bank's ability to compete with larger institutions, leading to mixed views on its future.
- Recent discussions point to potential challenges in loan growth, as rising interest rates may deter borrowing and impact profitability.
- There are lingering concerns about credit quality in the banking sector, with some investors worried about rising defaults affecting Sierra Bancorp.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2026 | $49M | $13M | $0.96 |
| Q4 2025 | $51M | $13M | $0.97 |
| Q3 2025 | $50M | $10M | $0.72 |
| Q2 2025 | $49M | $11M | $0.78 |
Based on FMP financials and quantitative analysis
BSRR Latest News
No recent news available for BSRR.
BSRR Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for BSRR.
Price Targets
Consensus target: $44.00
BSRR MoonshotScore
What does this score mean?
The MoonshotScore rates BSRR's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: Kevin J. McPhaill
President and CEO
Kevin J. McPhaill has been leading Sierra Bancorp since its inception, bringing over 30 years of banking experience to the role. He holds a degree in Business Administration from California State University, Fresno, and has held various leadership positions in regional banks prior to joining Sierra Bancorp. His extensive knowledge of the banking industry and commitment to community service have been instrumental in shaping the company's strategic direction.
Track Record: Under McPhaill's leadership, Sierra Bancorp has achieved significant growth in both assets and deposits, expanding its branch network and enhancing its service offerings. His strategic focus on community engagement and customer service has strengthened the bank's reputation and market position.
Sierra Bancorp Financial Services Stock: Key Questions Answered
What does Sierra Bancorp do?
Sierra Bancorp operates as the bank holding company for Bank of the Sierra, providing a wide range of retail and commercial banking services. It offers various deposit products, including checking and savings accounts, as well as a diverse portfolio of loan products such as agricultural, commercial, and mortgage loans. The bank is committed to serving individuals and businesses in California, with a focus on community engagement and personalized service.
What do analysts say about BSRR stock?
Analysts generally view BSRR stock positively, highlighting its strong financial metrics such as a P/E ratio of 11.2 and a profit margin of 23.0%. The consensus indicates that the company's focus on community banking and expansion initiatives positions it well for future growth. However, analysts also caution about potential risks related to regulatory changes and economic conditions that could impact performance.
What are the main risks for BSRR?
Sierra Bancorp faces several risks, including potential regulatory changes that could increase compliance costs and affect profitability. Economic downturns pose a threat to loan demand and credit quality, which could impact the bank's financial performance. Additionally, the competitive landscape is intensifying, with larger banks and fintech companies posing challenges. Cybersecurity threats also represent an ongoing risk, as breaches could undermine customer trust and operational integrity.
What are the key factors to evaluate for BSRR?
Sierra Bancorp (BSRR) holds an AI score of 57/100 (moderate). P/E: 11.2x vs the S&P 500's ~20-25x. Analysts target $44.00 (+8%). Not financial advice.
How frequently does BSRR data refresh on this page?
BSRR prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven BSRR's recent stock price performance?
Sierra Bancorp (BSRR) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Established brand with a strong community presence. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider BSRR overvalued or undervalued right now?
Sierra Bancorp (BSRR) trades at 11.2x earnings. Analysts target $44.00 (+8%) — near fair value. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying BSRR?
Before investing in Sierra Bancorp (BSRR), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- The information presented is based on the latest available data and may be subject to change.